Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net income | $13.2M | $12.9M | $21.9M | $23.7M | $23.6M | $36.1M | $38.5M | $39.7M | $41.5M | $58.0M |
| EPS (diluted) | $1.38 | $1.20 | $2.01 | $2.14 | $2.19 | $3.43 | $3.59 | $3.84 | $4.06 | $5.67 |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $8.79M | $14.4M | $38.6M | $33.2M | $22.3M | $32.5M | $42.7M | $46.9M | $48.0M | $44.9M |
| Capital expenditures | $9.60M | $1.51M | $1.51M | $709K | $559K | $1.25M | $1.48M | $955K | $693K | $564K |
| Free cash flow | -$807K | $12.9M | $37.1M | $32.5M | $21.8M | $31.3M | $41.2M | $46.0M | $47.3M | $44.3M |
| Share buybacks | — | — | — | — | $7.44M | $4.19M | $42.0K | $15.7M | $6.21M | $5.04M |
| Dividends paid | $1.52M | $2.38M | $2.80M | $3.25M | $3.30M | $3.62M | $4.37M | $4.72M | $5.02M | $5.61M |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $106M | $150M | $146M | $158M | $219M | $245M | $115M | $195M | $180M | $217M |
| Total assets | $1.19B | $1.46B | $1.58B | $1.72B | $1.96B | $2.03B | $2.44B | $2.58B | $2.65B | $2.97B |
| Total liabilities | $1.08B | $1.34B | $1.44B | $1.56B | $1.79B | $1.83B | $2.21B | $2.32B | $2.36B | $2.62B |
| Long-term debt | $131M | $285M | $220M | $293M | $210M | $50.3M | $393M | $367M | $231M | — |
| Shareholders' equity | $106M | $118M | $138M | $161M | $174M | $206M | $239M | $261M | $296M | $346M |
| Retained earnings | $20.7M | $31.1M | $50.2M | $70.4M | $90.7M | $123M | $157M | $191M | $227M | $244M |
| Shares (wtd avg diluted) | 9.57M | 10.7M | 10.9M | 11.0M | 10.8M | 10.5M | 10.7M | 10.3M | 10.2M | 10.2M |
Every figure is extracted from UNITY BANCORP INC /NJ/’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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