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Side-by-side financial comparison of AMERICAN STATES WATER CO (AWR) and TOMPKINS FINANCIAL CORP (TMP). Click either name above to swap in a different company.
TOMPKINS FINANCIAL CORP is the larger business by last-quarter revenue ($194.8M vs $164.3M, roughly 1.2× AMERICAN STATES WATER CO). TOMPKINS FINANCIAL CORP runs the higher net margin — 49.4% vs 17.5%, a 31.9% gap on every dollar of revenue. On growth, TOMPKINS FINANCIAL CORP posted the faster year-over-year revenue change (152.7% vs 14.8%). TOMPKINS FINANCIAL CORP produced more free cash flow last quarter ($31.9M vs $-36.0M). Over the past eight quarters, TOMPKINS FINANCIAL CORP's revenue compounded faster (63.6% CAGR vs 10.2%).
American Water is an American public utility company that, through its subsidiaries, provides water and wastewater services in the United States.
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.
AWR vs TMP — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $164.3M | $194.8M |
| Net Profit | $28.7M | $96.2M |
| Gross Margin | 88.9% | — |
| Operating Margin | 27.4% | 71.7% |
| Net Margin | 17.5% | 49.4% |
| Revenue YoY | 14.8% | 152.7% |
| Net Profit YoY | 1.1% | 388.9% |
| EPS (diluted) | $0.74 | $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 | $164.3M | $194.8M | ||
| Q3 25 | $182.7M | $87.4M | ||
| Q2 25 | $163.1M | $82.6M | ||
| Q1 25 | $148.0M | $81.7M | ||
| Q4 24 | $143.1M | $77.1M | ||
| Q3 24 | $161.8M | $76.6M | ||
| Q2 24 | $155.3M | $72.7M | ||
| Q1 24 | $135.3M | $72.8M |
| Q4 25 | $28.7M | $96.2M | ||
| Q3 25 | $41.2M | $23.7M | ||
| Q2 25 | $33.7M | $21.5M | ||
| Q1 25 | $26.8M | $19.7M | ||
| Q4 24 | $28.4M | $19.7M | ||
| Q3 24 | $35.8M | $18.6M | ||
| Q2 24 | $31.9M | $15.7M | ||
| Q1 24 | $23.1M | $16.9M |
| Q4 25 | 88.9% | — | ||
| Q3 25 | 91.0% | — | ||
| Q2 25 | 92.1% | — | ||
| Q1 25 | 91.3% | — | ||
| Q4 24 | 92.4% | — | ||
| Q3 24 | 92.7% | — | ||
| Q2 24 | 89.6% | — | ||
| Q1 24 | 88.4% | — |
| Q4 25 | 27.4% | 71.7% | ||
| Q3 25 | 33.8% | 35.6% | ||
| Q2 25 | 31.3% | 34.2% | ||
| Q1 25 | 30.8% | 31.6% | ||
| Q4 24 | 27.0% | 33.4% | ||
| Q3 24 | 34.0% | 32.0% | ||
| Q2 24 | 33.3% | 28.3% | ||
| Q1 24 | 28.8% | 30.4% |
| Q4 25 | 17.5% | 49.4% | ||
| Q3 25 | 22.5% | 27.1% | ||
| Q2 25 | 20.7% | 26.0% | ||
| Q1 25 | 18.1% | 24.1% | ||
| Q4 24 | 19.9% | 25.5% | ||
| Q3 24 | 22.1% | 24.3% | ||
| Q2 24 | 20.5% | 21.6% | ||
| Q1 24 | 17.1% | 23.2% |
| Q4 25 | $0.74 | $6.72 | ||
| Q3 25 | $1.06 | $1.65 | ||
| Q2 25 | $0.87 | $1.50 | ||
| Q1 25 | $0.70 | $1.37 | ||
| Q4 24 | $0.75 | $1.39 | ||
| Q3 24 | $0.95 | $1.30 | ||
| Q2 24 | $0.85 | $1.10 | ||
| Q1 24 | $0.62 | $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 | $18.8M | $132.8M |
| Total DebtLower is stronger | $782.7M | — |
| Stockholders' EquityBook value | $1.0B | $938.4M |
| Total Assets | $2.7B | $8.7B |
| Debt / EquityLower = less leverage | 0.75× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $18.8M | $132.8M | ||
| Q3 25 | $26.1M | $193.5M | ||
| Q2 25 | $20.2M | $212.6M | ||
| Q1 25 | $21.2M | $193.1M | ||
| Q4 24 | $26.7M | $134.4M | ||
| Q3 24 | $16.5M | $132.3M | ||
| Q2 24 | $3.6M | $70.9M | ||
| Q1 24 | $17.0M | $57.1M |
| Q4 25 | $782.7M | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $640.4M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $1.0B | $938.4M | ||
| Q3 25 | $1.0B | $788.8M | ||
| Q2 25 | $972.5M | $761.8M | ||
| Q1 25 | $956.4M | $741.4M | ||
| Q4 24 | $920.1M | $713.4M | ||
| Q3 24 | $879.5M | $719.9M | ||
| Q2 24 | $833.5M | $674.6M | ||
| Q1 24 | $800.5M | $667.9M |
| Q4 25 | $2.7B | $8.7B | ||
| Q3 25 | $2.7B | $8.5B | ||
| Q2 25 | $2.6B | $8.4B | ||
| Q1 25 | $2.5B | $8.2B | ||
| Q4 24 | $2.5B | $8.1B | ||
| Q3 24 | $2.4B | $8.0B | ||
| Q2 24 | $2.3B | $7.9B | ||
| Q1 24 | $2.3B | $7.8B |
| Q4 25 | 0.75× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.70× | — | ||
| 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 | $27.7M | $38.9M |
| Free Cash FlowOCF − Capex | $-36.0M | $31.9M |
| FCF MarginFCF / Revenue | -21.9% | 16.4% |
| Capex IntensityCapex / Revenue | 38.8% | 3.6% |
| Cash ConversionOCF / Net Profit | 0.96× | 0.40× |
| TTM Free Cash FlowTrailing 4 quarters | $-7.1M | $105.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $27.7M | $38.9M | ||
| Q3 25 | $92.4M | $34.9M | ||
| Q2 25 | $64.6M | $18.9M | ||
| Q1 25 | $45.1M | $22.2M | ||
| Q4 24 | $64.5M | $95.0M | ||
| Q3 24 | $63.7M | $21.2M | ||
| Q2 24 | $24.7M | $27.3M | ||
| Q1 24 | $45.8M | $23.2M |
| Q4 25 | $-36.0M | $31.9M | ||
| Q3 25 | $37.7M | $33.9M | ||
| Q2 25 | $13.7M | $18.3M | ||
| Q1 25 | $-22.5M | $20.9M | ||
| Q4 24 | $6.0M | $88.8M | ||
| Q3 24 | $-478.0K | $18.9M | ||
| Q2 24 | $-37.0M | $26.3M | ||
| Q1 24 | $-1.7M | $21.9M |
| Q4 25 | -21.9% | 16.4% | ||
| Q3 25 | 20.7% | 38.8% | ||
| Q2 25 | 8.4% | 22.1% | ||
| Q1 25 | -15.2% | 25.5% | ||
| Q4 24 | 4.2% | 115.1% | ||
| Q3 24 | -0.3% | 24.7% | ||
| Q2 24 | -23.8% | 36.2% | ||
| Q1 24 | -1.3% | 30.0% |
| Q4 25 | 38.8% | 3.6% | ||
| Q3 25 | 29.9% | 1.1% | ||
| Q2 25 | 31.2% | 0.8% | ||
| Q1 25 | 45.6% | 1.7% | ||
| Q4 24 | 40.9% | 8.1% | ||
| Q3 24 | 39.7% | 2.9% | ||
| Q2 24 | 39.8% | 1.3% | ||
| Q1 24 | 35.2% | 1.9% |
| Q4 25 | 0.96× | 0.40× | ||
| Q3 25 | 2.24× | 1.47× | ||
| Q2 25 | 1.92× | 0.88× | ||
| Q1 25 | 1.68× | 1.13× | ||
| Q4 24 | 2.27× | 4.82× | ||
| Q3 24 | 1.78× | 1.14× | ||
| Q2 24 | 0.78× | 1.74× | ||
| Q1 24 | 1.98× | 1.38× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
AWR
| Water Service Utility Operations | $110.0M | 67% |
| Public Utilities Inventory Water | $22.3M | 14% |
| Wastewater | $15.9M | 10% |
| Electric Service Utility Operations | $15.2M | 9% |
TMP
Segment breakdown not available.
