vs
Side-by-side financial comparison of Bandwidth Inc. (BAND) and TOMPKINS FINANCIAL CORP (TMP). Click either name above to swap in a different company.
Bandwidth Inc. is the larger business by last-quarter revenue ($208.8M vs $194.8M, roughly 1.1× TOMPKINS FINANCIAL CORP). TOMPKINS FINANCIAL CORP runs the higher net margin — 49.4% vs 1.9%, a 47.5% gap on every dollar of revenue. On growth, TOMPKINS FINANCIAL CORP posted the faster year-over-year revenue change (152.7% vs 20.1%). TOMPKINS FINANCIAL CORP produced more free cash flow last quarter ($31.9M vs $-1.0M). Over the past eight quarters, TOMPKINS FINANCIAL CORP's revenue compounded faster (63.6% CAGR vs 9.7%).
Bandwidth Inc. is a communications platform as a service company. It sells software application programming interfaces for voice, text messaging and emergency services, using its own global IP voice network.
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.
BAND vs TMP — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $208.8M | $194.8M |
| Net Profit | $4.0M | $96.2M |
| Gross Margin | 37.3% | — |
| Operating Margin | 60.5% | 71.7% |
| Net Margin | 1.9% | 49.4% |
| Revenue YoY | 20.1% | 152.7% |
| Net Profit YoY | 200.0% | 388.9% |
| EPS (diluted) | $-0.08 | $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.
| Q1 26 | $208.8M | — | ||
| Q4 25 | $207.7M | $194.8M | ||
| Q3 25 | $191.9M | $87.4M | ||
| Q2 25 | $180.0M | $82.6M | ||
| Q1 25 | $174.2M | $81.7M | ||
| Q4 24 | $210.0M | $77.1M | ||
| Q3 24 | $193.9M | $76.6M | ||
| Q2 24 | $173.6M | $72.7M |
| Q1 26 | $4.0M | — | ||
| Q4 25 | — | $96.2M | ||
| Q3 25 | $-1.2M | $23.7M | ||
| Q2 25 | $-4.9M | $21.5M | ||
| Q1 25 | $-3.7M | $19.7M | ||
| Q4 24 | — | $19.7M | ||
| Q3 24 | $413.0K | $18.6M | ||
| Q2 24 | $4.1M | $15.7M |
| Q1 26 | 37.3% | — | ||
| Q4 25 | 37.6% | — | ||
| Q3 25 | 38.5% | — | ||
| Q2 25 | 39.8% | — | ||
| Q1 25 | 41.0% | — | ||
| Q4 24 | 36.4% | — | ||
| Q3 24 | 37.7% | — | ||
| Q2 24 | 37.3% | — |
| Q1 26 | 60.5% | — | ||
| Q4 25 | -1.9% | 71.7% | ||
| Q3 25 | -1.0% | 35.6% | ||
| Q2 25 | -2.1% | 34.2% | ||
| Q1 25 | -2.7% | 31.6% | ||
| Q4 24 | -1.3% | 33.4% | ||
| Q3 24 | -0.5% | 32.0% | ||
| Q2 24 | -3.5% | 28.3% |
| Q1 26 | 1.9% | — | ||
| Q4 25 | — | 49.4% | ||
| Q3 25 | -0.6% | 27.1% | ||
| Q2 25 | -2.7% | 26.0% | ||
| Q1 25 | -2.1% | 24.1% | ||
| Q4 24 | — | 25.5% | ||
| Q3 24 | 0.2% | 24.3% | ||
| Q2 24 | 2.3% | 21.6% |
| Q1 26 | $-0.08 | — | ||
| Q4 25 | $-0.10 | $6.72 | ||
| Q3 25 | $-0.04 | $1.65 | ||
| Q2 25 | $-0.16 | $1.50 | ||
| Q1 25 | $-0.13 | $1.37 | ||
| Q4 24 | $0.27 | $1.39 | ||
| Q3 24 | $0.01 | $1.30 | ||
| Q2 24 | $-0.17 | $1.10 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $47.3M | $132.8M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $405.7M | $938.4M |
| Total Assets | $984.2M | $8.7B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $47.3M | — | ||
| Q4 25 | $111.3M | $132.8M | ||
| Q3 25 | $80.4M | $193.5M | ||
| Q2 25 | $68.1M | $212.6M | ||
| Q1 25 | $41.7M | $193.1M | ||
| Q4 24 | $83.8M | $134.4M | ||
| Q3 24 | $79.9M | $132.3M | ||
| Q2 24 | $76.4M | $70.9M |
| Q1 26 | $405.7M | — | ||
| Q4 25 | $400.0M | $938.4M | ||
| Q3 25 | $392.7M | $788.8M | ||
| Q2 25 | $384.5M | $761.8M | ||
| Q1 25 | $345.4M | $741.4M | ||
| Q4 24 | $312.5M | $713.4M | ||
| Q3 24 | $336.6M | $719.9M | ||
| Q2 24 | $307.4M | $674.6M |
| Q1 26 | $984.2M | — | ||
| Q4 25 | $1.1B | $8.7B | ||
| Q3 25 | $1.0B | $8.5B | ||
| Q2 25 | $1.0B | $8.4B | ||
| Q1 25 | $964.4M | $8.2B | ||
| Q4 24 | $989.2M | $8.1B | ||
| Q3 24 | $1.0B | $8.0B | ||
| Q2 24 | $1.0B | $7.9B |
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 | — | $38.9M |
| Free Cash FlowOCF − Capex | $-1.0M | $31.9M |
| FCF MarginFCF / Revenue | -0.5% | 16.4% |
| Capex IntensityCapex / Revenue | — | 3.6% |
| Cash ConversionOCF / Net Profit | — | 0.40× |
| TTM Free Cash FlowTrailing 4 quarters | — | $105.0M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $38.6M | $38.9M | ||
| Q3 25 | $22.2M | $34.9M | ||
| Q2 25 | $31.7M | $18.9M | ||
| Q1 25 | $-3.1M | $22.2M | ||
| Q4 24 | $36.5M | $95.0M | ||
| Q3 24 | $20.5M | $21.2M | ||
| Q2 24 | $24.4M | $27.3M |
| Q1 26 | $-1.0M | — | ||
| Q4 25 | — | $31.9M | ||
| Q3 25 | — | $33.9M | ||
| Q2 25 | — | $18.3M | ||
| Q1 25 | — | $20.9M | ||
| Q4 24 | — | $88.8M | ||
| Q3 24 | — | $18.9M | ||
| Q2 24 | — | $26.3M |
| Q1 26 | -0.5% | — | ||
| Q4 25 | — | 16.4% | ||
| Q3 25 | — | 38.8% | ||
| Q2 25 | — | 22.1% | ||
| Q1 25 | — | 25.5% | ||
| Q4 24 | — | 115.1% | ||
| Q3 24 | — | 24.7% | ||
| Q2 24 | — | 36.2% |
| Q1 26 | — | — | ||
| Q4 25 | — | 3.6% | ||
| Q3 25 | — | 1.1% | ||
| Q2 25 | — | 0.8% | ||
| Q1 25 | — | 1.7% | ||
| Q4 24 | — | 8.1% | ||
| Q3 24 | — | 2.9% | ||
| Q2 24 | — | 1.3% |
| Q1 26 | — | — | ||
| Q4 25 | — | 0.40× | ||
| Q3 25 | — | 1.47× | ||
| Q2 25 | — | 0.88× | ||
| Q1 25 | — | 1.13× | ||
| Q4 24 | — | 4.82× | ||
| Q3 24 | 49.55× | 1.14× | ||
| Q2 24 | 6.03× | 1.74× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
