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Side-by-side financial comparison of NACCO INDUSTRIES INC (NC) and UNITY BANCORP INC (UNTY). Click either name above to swap in a different company.
NACCO INDUSTRIES INC is the larger business by last-quarter revenue ($66.8M vs $35.3M, roughly 1.9× UNITY BANCORP INC). UNITY BANCORP INC runs the higher net margin — 43.9% vs -5.8%, a 49.6% gap on every dollar of revenue. On growth, UNITY BANCORP INC posted the faster year-over-year revenue change (24.2% vs -5.2%). Over the past eight quarters, UNITY BANCORP INC's revenue compounded faster (17.5% CAGR vs 11.9%).
NACCO Industries, Inc. is an American publicly traded holding company, headquartered in Cleveland, Ohio. Through a portfolio of mining and natural resources businesses, the company operates under three business segments: Coal Mining, North American Mining, and Minerals Management. The Coal Mining segment operates surface coal mines under long-term contracts with power generation companies and an activated carbon producer pursuant to a service-based business model. The North American Mining se...
Unity Bancorp Inc is a New Jersey-headquartered financial holding company operating Unity Bank. It offers a full range of commercial and retail banking services including business loans, deposit products, mortgage services, and personal banking solutions, primarily serving small and medium-sized enterprises and individual consumers across local communities in New Jersey and eastern Pennsylvania.
NC vs UNTY — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $66.8M | $35.3M |
| Net Profit | $-3.8M | $15.5M |
| Gross Margin | 18.0% | — |
| Operating Margin | 11.3% | 55.8% |
| Net Margin | -5.8% | 43.9% |
| Revenue YoY | -5.2% | 24.2% |
| Net Profit YoY | -150.8% | 34.5% |
| EPS (diluted) | $-0.53 | $1.52 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $66.8M | $35.3M | ||
| Q3 25 | $76.6M | $32.8M | ||
| Q2 25 | $68.2M | $34.4M | ||
| Q1 25 | $65.6M | $29.4M | ||
| Q4 24 | $70.4M | $28.4M | ||
| Q3 24 | $61.7M | $27.7M | ||
| Q2 24 | $52.3M | $25.5M | ||
| Q1 24 | $53.3M | $25.6M |
| Q4 25 | $-3.8M | $15.5M | ||
| Q3 25 | $13.3M | $14.4M | ||
| Q2 25 | $3.3M | $16.5M | ||
| Q1 25 | $4.9M | $11.6M | ||
| Q4 24 | $7.6M | $11.5M | ||
| Q3 24 | $15.6M | $10.9M | ||
| Q2 24 | $6.0M | $9.5M | ||
| Q1 24 | $4.6M | $9.6M |
| Q4 25 | 18.0% | — | ||
| Q3 25 | 13.0% | — | ||
| Q2 25 | 10.0% | — | ||
| Q1 25 | 14.7% | — | ||
| Q4 24 | 12.0% | — | ||
| Q3 24 | 11.7% | — | ||
| Q2 24 | 13.4% | — | ||
| Q1 24 | 13.2% | — |
| Q4 25 | 11.3% | 55.8% | ||
| Q3 25 | 8.8% | 57.5% | ||
| Q2 25 | -0.1% | 62.6% | ||
| Q1 25 | 11.7% | 52.6% | ||
| Q4 24 | 5.5% | 51.0% | ||
| Q3 24 | 31.9% | 52.7% | ||
| Q2 24 | 14.1% | 49.3% | ||
| Q1 24 | 8.9% | 50.0% |
| Q4 25 | -5.8% | 43.9% | ||
| Q3 25 | 17.3% | 43.8% | ||
| Q2 25 | 4.8% | 48.0% | ||
| Q1 25 | 7.5% | 39.5% | ||
| Q4 24 | 10.7% | 40.5% | ||
| Q3 24 | 25.4% | 39.4% | ||
| Q2 24 | 11.4% | 37.1% | ||
| Q1 24 | 8.6% | 37.5% |
| Q4 25 | $-0.53 | $1.52 | ||
| Q3 25 | $1.78 | $1.41 | ||
| Q2 25 | $0.44 | $1.61 | ||
| Q1 25 | $0.66 | $1.13 | ||
| Q4 24 | $0.99 | $1.13 | ||
| Q3 24 | $2.14 | $1.07 | ||
| Q2 24 | $0.81 | $0.92 | ||
| Q1 24 | $0.61 | $0.94 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $49.7M | — |
| Total DebtLower is stronger | $100.8M | — |
| Stockholders' EquityBook value | $429.2M | $345.6M |
| Total Assets | $661.2M | $3.0B |
| Debt / EquityLower = less leverage | 0.23× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $49.7M | — | ||
| Q3 25 | $52.7M | — | ||
| Q2 25 | $49.4M | — | ||
| Q1 25 | $61.9M | — | ||
| Q4 24 | $72.8M | — | ||
| Q3 24 | $63.1M | — | ||
| Q2 24 | $62.4M | — | ||
| Q1 24 | $61.8M | — |
| Q4 25 | $100.8M | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $99.4M | $230.8M | ||
| Q3 24 | — | — | ||
| Q2 24 | $29.0M | — | ||
| Q1 24 | $28.4M | — |
| Q4 25 | $429.2M | $345.6M | ||
| Q3 25 | $426.4M | $334.0M | ||
| Q2 25 | $413.1M | $319.8M | ||
| Q1 25 | $409.1M | $306.1M | ||
| Q4 24 | $404.9M | $295.6M | ||
| Q3 24 | $397.3M | $284.3M | ||
| Q2 24 | $384.1M | $273.4M | ||
| Q1 24 | $381.6M | $266.8M |
| Q4 25 | $661.2M | $3.0B | ||
| Q3 25 | $637.6M | $2.9B | ||
| Q2 25 | $631.3M | $2.9B | ||
| Q1 25 | $634.2M | $2.8B | ||
| Q4 24 | $631.7M | $2.7B | ||
| Q3 24 | $597.4M | $2.6B | ||
| Q2 24 | $560.1M | $2.6B | ||
| Q1 24 | $538.0M | $2.6B |
| Q4 25 | 0.23× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.25× | 0.78× | ||
| Q3 24 | — | — | ||
| Q2 24 | 0.08× | — | ||
| Q1 24 | 0.07× | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $11.4M | $44.9M |
| Free Cash FlowOCF − Capex | — | $44.3M |
| FCF MarginFCF / Revenue | — | 125.7% |
| Capex IntensityCapex / Revenue | — | 1.6% |
| Cash ConversionOCF / Net Profit | — | 2.90× |
| TTM Free Cash FlowTrailing 4 quarters | — | $81.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $11.4M | $44.9M | ||
| Q3 25 | $42.3M | $45.5M | ||
| Q2 25 | $-7.8M | $-25.3M | ||
| Q1 25 | $5.0M | $17.9M | ||
| Q4 24 | $25.2M | $48.0M | ||
| Q3 24 | $2.8M | $17.7M | ||
| Q2 24 | $4.1M | $-8.4M | ||
| Q1 24 | $-9.8M | $15.8M |
| Q4 25 | — | $44.3M | ||
| Q3 25 | — | $45.3M | ||
| Q2 25 | — | $-25.5M | ||
| Q1 25 | — | $17.6M | ||
| Q4 24 | — | $47.3M | ||
| Q3 24 | — | $17.5M | ||
| Q2 24 | — | $-8.6M | ||
| Q1 24 | — | $15.7M |
| Q4 25 | — | 125.7% | ||
| Q3 25 | — | 138.1% | ||
| Q2 25 | — | -74.2% | ||
| Q1 25 | — | 59.9% | ||
| Q4 24 | — | 166.5% | ||
| Q3 24 | — | 63.3% | ||
| Q2 24 | — | -33.7% | ||
| Q1 24 | — | 61.4% |
| Q4 25 | — | 1.6% | ||
| Q3 25 | — | 0.7% | ||
| Q2 25 | — | 0.5% | ||
| Q1 25 | — | 1.0% | ||
| Q4 24 | — | 2.4% | ||
| Q3 24 | — | 0.5% | ||
| Q2 24 | — | 0.5% | ||
| Q1 24 | — | 0.3% |
| Q4 25 | — | 2.90× | ||
| Q3 25 | 3.19× | 3.16× | ||
| Q2 25 | -2.39× | -1.54× | ||
| Q1 25 | 1.03× | 1.54× | ||
| Q4 24 | 3.33× | 4.17× | ||
| Q3 24 | 0.18× | 1.62× | ||
| Q2 24 | 0.68× | -0.89× | ||
| Q1 24 | -2.14× | 1.64× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
NC
| Transferred Over Time | $42.7M | 64% |
| Transferred At Point In Time | $24.1M | 36% |
UNTY
Segment breakdown not available.
