What is Unity Bancorp's free cash flow margin?

Unity Bancorp (UNTY) reported free cash flow margin of 30.3% in Q1 2026.

What does free cash flow margin mean?

Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.

Unity Bancorp UNTY Free cash flow margin

Free cash flow margin at other companies

Valley National BankVLY

26.5%—

Midland States BancorpMSBI

37%-5.4pp

Greene County BancorpGCBC

41.3%+5.9pp

Farmers National Banc CorpFMNB

16.1%-11.7pp

Mid Penn BancorpMPB

30.9%+6.8pp

CTB

Community Trust BancorpCTBI

34.7%-7.4pp

Other financials

Income statement

See full

Revenue$33.6M+14.5%

Net income$14.3M+23.2%

EPS (diluted)$1.40+23.9%

Balance sheet

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Cash & equivalents$229.2M+8.3%

Total debt$5.0M+4.2%

Total equity$358.1M+17.0%

Total assets$3.0B+9.4%

Cash flow

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Operating cash flow$14.9M-16.4%

CapEx$425.0K+52.3%

Free cash flow$14.5M-17.5%

Valuation

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Market cap$581.77M+32.4%

P/E9.6×-0.5×

P/S4.3×+0.3×

Profitability

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Net margin44.6%+5.4pp

Returns & leverage

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Return on equity18.3%+3.1pp

Debt / equity0×0.0×

Where this comes from

Calculated from Unity Bancorp’s reported figures.

free cash flow/total revenue=30.3%

Based on trailing twelve months.

The official record: Unity Bancorp’s 10-Q, filed May 7, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Unity Bancorp's free cash flow margin?: Unity Bancorp (UNTY) reported free cash flow margin of 30.3% in Q1 2026.
What does free cash flow margin mean?: Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.