For the quarter ending 2025-09-30, UNTY had -$90,247K decrease in cash & cash equivalents over the period. $45,326K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 14,395 | 28,089 |
| Provision for credit losses, loans | 1,408 | 3,083 |
| (release) provision for credit losses, securities | -788 | -2,036 |
| Net accretion of purchase premiums and discounts on securities | 24 | 36 |
| Depreciation and amortization | 727 | 979 |
| Deferred income tax benefit | -446 | -719 |
| Net realized security gains | 1 | 3,497 |
| Stock compensation expense | 536 | 1,029 |
| Gain on sale of mortgage loans, net | 582 | 603 |
| Gain on sale of sba loans held for sale, net | 238 | 302 |
| Boli income | 212 | 334 |
| Ppp deferred fees and costs | - | -2 |
| Net change in other assets and liabilities | -30,763 | 33,117 |
| Net cash provided by operating activities | 45,540 | -7,466 |
| Purchases of equity securities | -1 | 501 |
| Purchases of afs securities | 950 | 10,500 |
| (purchase) redemption of fhlb stock, at cost, net | 6,512 | -7,223 |
| Maturities, calls, and principal payments on htm securities | -54 | 4,893 |
| Maturities, calls, and principal payments on afs securities | 11,276 | 10,643 |
| Proceeds from sales on afs securities | 0 | 998 |
| Proceeds from sales of equity securities | 1 | 6,490 |
| Net increase in loans | 84,235 | 123,633 |
| Net decrease in sba ppp loans | - | -1,449 |
| Purchases of premises and equipment | 214 | 466 |
| Net cash used in investing activities | -69,112 | -117,850 |
| Proceeds from (repayments of) short-term borrowings, net | - | 135,400 |
| Net increase in deposits | 80,118 | 87,053 |
| Proceeds from long-term borrowings, net | -10,000 | 21,203 |
| (shares withheld for taxes), net of proceeds from stock option exercises | 53 | -400 |
| Dividends on common stock | 1,446 | 2,707 |
| Purchase of treasury stock, including excise tax accrual | 0 | 1,938 |
| Net cash provided by financing activities | -66,675 | 238,611 |
| Increase (decrease) in cash and cash equivalents | -90,247 | 113,295 |
| Cash and cash equivalents at beginning of period | 180,438 | - |
| Cash and cash equivalents at end of period | 203,486 | - |
UNITY BANCORP INC NJ (UNTY)
UNITY BANCORP INC NJ (UNTY)