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Side-by-side financial comparison of Andersons, Inc. (ANDE) and TOMPKINS FINANCIAL CORP (TMP). Click either name above to swap in a different company.
Andersons, Inc. is the larger business by last-quarter revenue ($329.5M vs $194.8M, roughly 1.7× TOMPKINS FINANCIAL CORP). TOMPKINS FINANCIAL CORP runs the higher net margin — 49.4% vs 20.5%, a 28.9% gap on every dollar of revenue. On growth, TOMPKINS FINANCIAL CORP posted the faster year-over-year revenue change (152.7% vs -2.4%). TOMPKINS FINANCIAL CORP produced more free cash flow last quarter ($31.9M vs $-77.1M). Over the past eight quarters, TOMPKINS FINANCIAL CORP's revenue compounded faster (63.6% CAGR vs -1.8%).
The Andersons, Inc. is an American agribusiness established in 1947, that began as Andersons Truck Terminal (ATT) in the 1940s for the grain industry, headquartered in Maumee, Ohio. It is a diversified company rooted in agriculture that conducts business in the commodity merchandising, renewables, and plant nutrient sectors.
Tompkins Financial Corporation is a small, diversified financial services company based in Ithaca, New York. It is the parent of the Tompkins Trust Company, as well as several other banks, an insurance agency, and a wealth management division.
ANDE vs TMP — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $329.5M | $194.8M |
| Net Profit | $67.4M | $96.2M |
| Gross Margin | 70.3% | — |
| Operating Margin | 26.6% | 71.7% |
| Net Margin | 20.5% | 49.4% |
| Revenue YoY | -2.4% | 152.7% |
| Net Profit YoY | 49.6% | 388.9% |
| EPS (diluted) | — | $6.72 |
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 | $329.5M | $194.8M | ||
| Q3 25 | $295.8M | $87.4M | ||
| Q2 25 | $535.0M | $82.6M | ||
| Q1 25 | $370.8M | $81.7M | ||
| Q4 24 | $337.5M | $77.1M | ||
| Q3 24 | $231.9M | $76.6M | ||
| Q2 24 | $492.5M | $72.7M | ||
| Q1 24 | $341.4M | $72.8M |
| Q4 25 | $67.4M | $96.2M | ||
| Q3 25 | $20.1M | $23.7M | ||
| Q2 25 | $7.9M | $21.5M | ||
| Q1 25 | $284.0K | $19.7M | ||
| Q4 24 | $45.1M | $19.7M | ||
| Q3 24 | $27.4M | $18.6M | ||
| Q2 24 | $36.0M | $15.7M | ||
| Q1 24 | $5.6M | $16.9M |
| Q4 25 | 70.3% | — | ||
| Q3 25 | 57.8% | — | ||
| Q2 25 | 29.6% | — | ||
| Q1 25 | 41.2% | — | ||
| Q4 24 | 63.1% | — | ||
| Q3 24 | 76.4% | — | ||
| Q2 24 | 35.6% | — | ||
| Q1 24 | 37.6% | — |
| Q4 25 | 26.6% | 71.7% | ||
| Q3 25 | 8.7% | 35.6% | ||
| Q2 25 | 4.6% | 34.2% | ||
| Q1 25 | 0.9% | 31.6% | ||
| Q4 24 | 19.9% | 33.4% | ||
| Q3 24 | 26.8% | 32.0% | ||
| Q2 24 | 11.6% | 28.3% | ||
| Q1 24 | 4.1% | 30.4% |
| Q4 25 | 20.5% | 49.4% | ||
| Q3 25 | 6.8% | 27.1% | ||
| Q2 25 | 1.5% | 26.0% | ||
| Q1 25 | 0.1% | 24.1% | ||
| Q4 24 | 13.4% | 25.5% | ||
| Q3 24 | 11.8% | 24.3% | ||
| Q2 24 | 7.3% | 21.6% | ||
| Q1 24 | 1.6% | 23.2% |
| Q4 25 | — | $6.72 | ||
| Q3 25 | $0.59 | $1.65 | ||
| Q2 25 | $0.23 | $1.50 | ||
| Q1 25 | $0.01 | $1.37 | ||
| Q4 24 | $1.31 | $1.39 | ||
| Q3 24 | $0.80 | $1.30 | ||
| Q2 24 | $1.05 | $1.10 | ||
| Q1 24 | $0.16 | $1.18 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $98.3M | $132.8M |
| Total DebtLower is stronger | $560.0M | — |
| Stockholders' EquityBook value | $1.2B | $938.4M |
| Total Assets | $3.7B | $8.7B |
| Debt / EquityLower = less leverage | 0.45× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $98.3M | $132.8M | ||
| Q3 25 | — | $193.5M | ||
| Q2 25 | — | $212.6M | ||
| Q1 25 | — | $193.1M | ||
| Q4 24 | $561.8M | $134.4M | ||
| Q3 24 | — | $132.3M | ||
| Q2 24 | — | $70.9M | ||
| Q1 24 | — | $57.1M |
| Q4 25 | $560.0M | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $608.2M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $1.2B | $938.4M | ||
| Q3 25 | $1.2B | $788.8M | ||
| Q2 25 | $1.4B | $761.8M | ||
| Q1 25 | $1.4B | $741.4M | ||
| Q4 24 | $1.4B | $713.4M | ||
| Q3 24 | $1.3B | $719.9M | ||
| Q2 24 | $1.3B | $674.6M | ||
| Q1 24 | $1.3B | $667.9M |
| Q4 25 | $3.7B | $8.7B | ||
| Q3 25 | $3.3B | $8.5B | ||
| Q2 25 | $3.4B | $8.4B | ||
| Q1 25 | $3.8B | $8.2B | ||
| Q4 24 | $4.1B | $8.1B | ||
| Q3 24 | $3.4B | $8.0B | ||
| Q2 24 | $3.3B | $7.9B | ||
| Q1 24 | $3.3B | $7.8B |
| Q4 25 | 0.45× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.45× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $-6.2M | $38.9M |
| Free Cash FlowOCF − Capex | $-77.1M | $31.9M |
| FCF MarginFCF / Revenue | -23.4% | 16.4% |
| Capex IntensityCapex / Revenue | 21.5% | 3.6% |
| Cash ConversionOCF / Net Profit | -0.09× | 0.40× |
| TTM Free Cash FlowTrailing 4 quarters | $-56.1M | $105.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-6.2M | $38.9M | ||
| Q3 25 | $233.9M | $34.9M | ||
| Q2 25 | $299.3M | $18.9M | ||
| Q1 25 | $-350.0M | $22.2M | ||
| Q4 24 | $268.8M | $95.0M | ||
| Q3 24 | $-2.1M | $21.2M | ||
| Q2 24 | $304.4M | $27.3M | ||
| Q1 24 | $-239.6M | $23.2M |
| Q4 25 | $-77.1M | $31.9M | ||
| Q3 25 | $167.0M | $33.9M | ||
| Q2 25 | $250.5M | $18.3M | ||
| Q1 25 | $-396.6M | $20.9M | ||
| Q4 24 | $212.9M | $88.8M | ||
| Q3 24 | $-40.0M | $18.9M | ||
| Q2 24 | $275.8M | $26.3M | ||
| Q1 24 | $-266.4M | $21.9M |
| Q4 25 | -23.4% | 16.4% | ||
| Q3 25 | 56.5% | 38.8% | ||
| Q2 25 | 46.8% | 22.1% | ||
| Q1 25 | -106.9% | 25.5% | ||
| Q4 24 | 63.1% | 115.1% | ||
| Q3 24 | -17.2% | 24.7% | ||
| Q2 24 | 56.0% | 36.2% | ||
| Q1 24 | -78.0% | 30.0% |
| Q4 25 | 21.5% | 3.6% | ||
| Q3 25 | 22.6% | 1.1% | ||
| Q2 25 | 9.1% | 0.8% | ||
| Q1 25 | 12.6% | 1.7% | ||
| Q4 24 | 16.6% | 8.1% | ||
| Q3 24 | 16.3% | 2.9% | ||
| Q2 24 | 5.8% | 1.3% | ||
| Q1 24 | 7.8% | 1.9% |
| Q4 25 | -0.09× | 0.40× | ||
| Q3 25 | 11.61× | 1.47× | ||
| Q2 25 | 38.10× | 0.88× | ||
| Q1 25 | -1232.46× | 1.13× | ||
| Q4 24 | 5.96× | 4.82× | ||
| Q3 24 | -0.08× | 1.14× | ||
| Q2 24 | 8.46× | 1.74× | ||
| Q1 24 | -42.94× | 1.38× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ANDE
| Specialty And Primary Nutrients | $137.1M | 42% |
| Premium Ingredients | $66.1M | 20% |
| Segment Reporting Reconciling Item Other | $63.2M | 19% |
| Other | $63.1M | 19% |
TMP
Segment breakdown not available.
