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Side-by-side financial comparison of BJs RESTAURANTS INC (BJRI) and TOMPKINS FINANCIAL CORP (TMP). Click either name above to swap in a different company.
BJs RESTAURANTS INC is the larger business by last-quarter revenue ($355.4M vs $194.8M, roughly 1.8× TOMPKINS FINANCIAL CORP). TOMPKINS FINANCIAL CORP runs the higher net margin — 49.4% vs 3.6%, a 45.8% gap on every dollar of revenue. On growth, TOMPKINS FINANCIAL CORP posted the faster year-over-year revenue change (152.7% vs 3.2%). Over the past eight quarters, TOMPKINS FINANCIAL CORP's revenue compounded faster (63.6% CAGR vs 2.6%).
BJ's Restaurants Inc. operates a chain of casual dining restaurants across the United States. Its menu features signature deep-dish pizzas, craft beers, handcrafted cocktails, and a wide range of American comfort food. The brand primarily serves family groups, friend gatherings, and casual diners seeking affordable, high-quality meals in a relaxed, welcoming in-store environment.
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.
BJRI vs TMP — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $355.4M | $194.8M |
| Net Profit | $12.6M | $96.2M |
| Gross Margin | 74.5% | — |
| Operating Margin | 3.1% | 71.7% |
| Net Margin | 3.6% | 49.4% |
| Revenue YoY | 3.2% | 152.7% |
| Net Profit YoY | -24.2% | 388.9% |
| EPS (diluted) | $0.58 | $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 | $355.4M | $194.8M | ||
| Q3 25 | $365.6M | $87.4M | ||
| Q2 25 | $348.0M | $82.6M | ||
| Q1 25 | — | $81.7M | ||
| Q4 24 | $325.7M | $77.1M | ||
| Q3 24 | $349.9M | $76.6M | ||
| Q2 24 | $337.3M | $72.7M | ||
| Q1 24 | — | $72.8M |
| Q4 25 | $12.6M | $96.2M | ||
| Q3 25 | $22.2M | $23.7M | ||
| Q2 25 | $13.5M | $21.5M | ||
| Q1 25 | — | $19.7M | ||
| Q4 24 | $-2.9M | $19.7M | ||
| Q3 24 | $17.2M | $18.6M | ||
| Q2 24 | $7.7M | $15.7M | ||
| Q1 24 | — | $16.9M |
| Q4 25 | 74.5% | — | ||
| Q3 25 | 75.2% | — | ||
| Q2 25 | 75.0% | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 73.4% | — | ||
| Q3 24 | 74.3% | — | ||
| Q2 24 | 74.8% | — | ||
| Q1 24 | — | — |
| Q4 25 | 3.1% | 71.7% | ||
| Q3 25 | 5.8% | 35.6% | ||
| Q2 25 | 4.3% | 34.2% | ||
| Q1 25 | — | 31.6% | ||
| Q4 24 | -0.8% | 33.4% | ||
| Q3 24 | 3.8% | 32.0% | ||
| Q2 24 | 2.4% | 28.3% | ||
| Q1 24 | — | 30.4% |
| Q4 25 | 3.6% | 49.4% | ||
| Q3 25 | 6.1% | 27.1% | ||
| Q2 25 | 3.9% | 26.0% | ||
| Q1 25 | — | 24.1% | ||
| Q4 24 | -0.9% | 25.5% | ||
| Q3 24 | 4.9% | 24.3% | ||
| Q2 24 | 2.3% | 21.6% | ||
| Q1 24 | — | 23.2% |
| Q4 25 | $0.58 | $6.72 | ||
| Q3 25 | $0.97 | $1.65 | ||
| Q2 25 | $0.58 | $1.50 | ||
| Q1 25 | — | $1.37 | ||
| Q4 24 | $-0.13 | $1.39 | ||
| Q3 24 | $0.72 | $1.30 | ||
| Q2 24 | $0.32 | $1.10 | ||
| Q1 24 | — | $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 | $23.8M | $132.8M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $366.2M | $938.4M |
| Total Assets | $1.0B | $8.7B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $23.8M | $132.8M | ||
| Q3 25 | $26.0M | $193.5M | ||
| Q2 25 | $19.0M | $212.6M | ||
| Q1 25 | — | $193.1M | ||
| Q4 24 | $18.4M | $134.4M | ||
| Q3 24 | $16.2M | $132.3M | ||
| Q2 24 | $18.8M | $70.9M | ||
| Q1 24 | — | $57.1M |
| Q4 25 | — | — | ||
| Q3 25 | $60.5M | — | ||
| Q2 25 | $85.5M | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $66.5M | — | ||
| Q3 24 | $63.5M | — | ||
| Q2 24 | $58.0M | — | ||
| Q1 24 | — | — |
| Q4 25 | $366.2M | $938.4M | ||
| Q3 25 | $386.6M | $788.8M | ||
| Q2 25 | $371.5M | $761.8M | ||
| Q1 25 | — | $741.4M | ||
| Q4 24 | $376.2M | $713.4M | ||
| Q3 24 | $386.5M | $719.9M | ||
| Q2 24 | $375.4M | $674.6M | ||
| Q1 24 | — | $667.9M |
| Q4 25 | $1.0B | $8.7B | ||
| Q3 25 | $1.0B | $8.5B | ||
| Q2 25 | $1.0B | $8.4B | ||
| Q1 25 | — | $8.2B | ||
| Q4 24 | $1.0B | $8.1B | ||
| Q3 24 | $1.0B | $8.0B | ||
| Q2 24 | $1.0B | $7.9B | ||
| Q1 24 | — | $7.8B |
| Q4 25 | — | — | ||
| Q3 25 | 0.16× | — | ||
| Q2 25 | 0.23× | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.18× | — | ||
| Q3 24 | 0.16× | — | ||
| Q2 24 | 0.15× | — | ||
| 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 | — | $38.9M |
| Free Cash FlowOCF − Capex | — | $31.9M |
| FCF MarginFCF / Revenue | — | 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.
| Q4 25 | — | $38.9M | ||
| Q3 25 | $62.3M | $34.9M | ||
| Q2 25 | $4.6M | $18.9M | ||
| Q1 25 | — | $22.2M | ||
| Q4 24 | $27.3M | $95.0M | ||
| Q3 24 | $20.2M | $21.2M | ||
| Q2 24 | $22.3M | $27.3M | ||
| Q1 24 | — | $23.2M |
| Q4 25 | — | $31.9M | ||
| Q3 25 | $41.9M | $33.9M | ||
| Q2 25 | $-12.1M | $18.3M | ||
| Q1 25 | — | $20.9M | ||
| Q4 24 | $7.6M | $88.8M | ||
| Q3 24 | $735.0K | $18.9M | ||
| Q2 24 | $448.0K | $26.3M | ||
| Q1 24 | — | $21.9M |
| Q4 25 | — | 16.4% | ||
| Q3 25 | 11.5% | 38.8% | ||
| Q2 25 | -3.5% | 22.1% | ||
| Q1 25 | — | 25.5% | ||
| Q4 24 | 2.3% | 115.1% | ||
| Q3 24 | 0.2% | 24.7% | ||
| Q2 24 | 0.1% | 36.2% | ||
| Q1 24 | — | 30.0% |
| Q4 25 | — | 3.6% | ||
| Q3 25 | 5.6% | 1.1% | ||
| Q2 25 | 4.8% | 0.8% | ||
| Q1 25 | — | 1.7% | ||
| Q4 24 | 6.0% | 8.1% | ||
| Q3 24 | 5.6% | 2.9% | ||
| Q2 24 | 6.5% | 1.3% | ||
| Q1 24 | — | 1.9% |
| Q4 25 | — | 0.40× | ||
| Q3 25 | 2.80× | 1.47× | ||
| Q2 25 | 0.34× | 0.88× | ||
| Q1 25 | — | 1.13× | ||
| Q4 24 | — | 4.82× | ||
| Q3 24 | 1.18× | 1.14× | ||
| Q2 24 | 2.89× | 1.74× | ||
| Q1 24 | — | 1.38× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
