Unity Bancorp, Inc. — Earnings Quality Grade C
UNTY · Financial Services
Some red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 35 days, change -9 days YoY
AR growth 1.6% vs revenue growth 28.1%
Revenue grew 28.1% but CFFO declined -6.4%
Small-cap context: Small-cap revenue/CFFO ratio is sensitive to growth-stage working-capital draws.
Expense Quality
No material inventory
CapEx growth -18.6% vs revenue 28.1%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 0.77. Below 1.0
FCF $0.0B, FCF/NI = 0.77
Accruals ratio = 0.4%. Low accruals
Cash $0.2B covers 81% of debt $0.3B
Balance Sheet Health
Goodwill+Intangibles $0.0B = 0% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change 0% YoY. Normal
Manipulation Score
Insufficient data
Portfolio monitoring
Monitor UNTY continuously
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Altman Z-Score — Not Applicable
Unity Bancorp, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25