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Side-by-side financial comparison of BRC Inc. (BRCC) 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 $112.7M, roughly 1.7× BRC Inc.). TOMPKINS FINANCIAL CORP runs the higher net margin — 49.4% vs -2.8%, a 52.3% gap on every dollar of revenue. On growth, TOMPKINS FINANCIAL CORP posted the faster year-over-year revenue change (152.7% vs 6.5%). TOMPKINS FINANCIAL CORP produced more free cash flow last quarter ($31.9M vs $-9.4M). Over the past eight quarters, TOMPKINS FINANCIAL CORP's revenue compounded faster (63.6% CAGR vs 7.0%).
BRC Inc., operating under the Black Rifle Coffee brand, is a U.S.-headquartered premium coffee and lifestyle brand. It sells roasted coffee beans, ready-to-drink coffee products, branded apparel, and outdoor gear, targeting primarily veteran, first responder, and outdoor enthusiast consumer segments across North America, via both e-commerce and physical retail channels.
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.
BRCC vs TMP — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $112.7M | $194.8M |
| Net Profit | $-3.2M | $96.2M |
| Gross Margin | 32.1% | — |
| Operating Margin | -6.3% | 71.7% |
| Net Margin | -2.8% | 49.4% |
| Revenue YoY | 6.5% | 152.7% |
| Net Profit YoY | -29.3% | 388.9% |
| EPS (diluted) | $-0.02 | $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 | $112.7M | $194.8M | ||
| Q3 25 | $100.7M | $87.4M | ||
| Q2 25 | $94.8M | $82.6M | ||
| Q1 25 | $90.0M | $81.7M | ||
| Q4 24 | $105.9M | $77.1M | ||
| Q3 24 | $98.2M | $76.6M | ||
| Q2 24 | $89.0M | $72.7M | ||
| Q1 24 | $98.4M | $72.8M |
| Q4 25 | $-3.2M | $96.2M | ||
| Q3 25 | $-486.0K | $23.7M | ||
| Q2 25 | $-5.3M | $21.5M | ||
| Q1 25 | $-2.9M | $19.7M | ||
| Q4 24 | $-2.5M | $19.7M | ||
| Q3 24 | $-535.0K | $18.6M | ||
| Q2 24 | $-482.0K | $15.7M | ||
| Q1 24 | $548.0K | $16.9M |
| Q4 25 | 32.1% | — | ||
| Q3 25 | 36.9% | — | ||
| Q2 25 | 33.9% | — | ||
| Q1 25 | 36.1% | — | ||
| Q4 24 | 38.1% | — | ||
| Q3 24 | 42.1% | — | ||
| Q2 24 | 41.9% | — | ||
| Q1 24 | 42.9% | — |
| Q4 25 | -6.3% | 71.7% | ||
| Q3 25 | 0.5% | 35.6% | ||
| Q2 25 | -13.3% | 34.2% | ||
| Q1 25 | -6.0% | 31.6% | ||
| Q4 24 | -2.1% | 33.4% | ||
| Q3 24 | 1.1% | 32.0% | ||
| Q2 24 | 1.1% | 28.3% | ||
| Q1 24 | 4.0% | 30.4% |
| Q4 25 | -2.8% | 49.4% | ||
| Q3 25 | -0.5% | 27.1% | ||
| Q2 25 | -5.6% | 26.0% | ||
| Q1 25 | -3.2% | 24.1% | ||
| Q4 24 | -2.3% | 25.5% | ||
| Q3 24 | -0.5% | 24.3% | ||
| Q2 24 | -0.5% | 21.6% | ||
| Q1 24 | 0.6% | 23.2% |
| Q4 25 | $-0.02 | $6.72 | ||
| Q3 25 | $0.00 | $1.65 | ||
| Q2 25 | $-0.07 | $1.50 | ||
| Q1 25 | $-0.04 | $1.37 | ||
| Q4 24 | $-0.03 | $1.39 | ||
| Q3 24 | $-0.01 | $1.30 | ||
| Q2 24 | $-0.01 | $1.10 | ||
| Q1 24 | $0.01 | $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 | $4.3M | $132.8M |
| Total DebtLower is stronger | $34.7M | — |
| Stockholders' EquityBook value | $45.7M | $938.4M |
| Total Assets | $209.2M | $8.7B |
| Debt / EquityLower = less leverage | 0.76× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $4.3M | $132.8M | ||
| Q3 25 | $9.5M | $193.5M | ||
| Q2 25 | $4.3M | $212.6M | ||
| Q1 25 | $3.9M | $193.1M | ||
| Q4 24 | $6.8M | $134.4M | ||
| Q3 24 | $7.3M | $132.3M | ||
| Q2 24 | $9.6M | $70.9M | ||
| Q1 24 | $4.0M | $57.1M |
| Q4 25 | $34.7M | — | ||
| Q3 25 | $35.0M | — | ||
| Q2 25 | $72.7M | — | ||
| Q1 25 | $68.8M | — | ||
| Q4 24 | $65.1M | — | ||
| Q3 24 | $64.9M | — | ||
| Q2 24 | $66.5M | — | ||
| Q1 24 | $61.5M | — |
| Q4 25 | $45.7M | $938.4M | ||
| Q3 25 | $48.0M | $788.8M | ||
| Q2 25 | $10.1M | $761.8M | ||
| Q1 25 | $11.2M | $741.4M | ||
| Q4 24 | $13.2M | $713.4M | ||
| Q3 24 | $14.5M | $719.9M | ||
| Q2 24 | $14.9M | $674.6M | ||
| Q1 24 | $14.6M | $667.9M |
| Q4 25 | $209.2M | $8.7B | ||
| Q3 25 | $222.4M | $8.5B | ||
| Q2 25 | $225.3M | $8.4B | ||
| Q1 25 | $222.9M | $8.2B | ||
| Q4 24 | $227.4M | $8.1B | ||
| Q3 24 | $233.7M | $8.0B | ||
| Q2 24 | $229.9M | $7.9B | ||
| Q1 24 | $227.2M | $7.8B |
| Q4 25 | 0.76× | — | ||
| Q3 25 | 0.73× | — | ||
| Q2 25 | 7.19× | — | ||
| Q1 25 | 6.15× | — | ||
| Q4 24 | 4.94× | — | ||
| Q3 24 | 4.47× | — | ||
| Q2 24 | 4.46× | — | ||
| Q1 24 | 4.21× | — |
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 | $-8.7M | $38.9M |
| Free Cash FlowOCF − Capex | $-9.4M | $31.9M |
| FCF MarginFCF / Revenue | -8.3% | 16.4% |
| Capex IntensityCapex / Revenue | 0.6% | 3.6% |
| Cash ConversionOCF / Net Profit | — | 0.40× |
| TTM Free Cash FlowTrailing 4 quarters | $-13.5M | $105.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-8.7M | $38.9M | ||
| Q3 25 | $6.4M | $34.9M | ||
| Q2 25 | $-3.3M | $18.9M | ||
| Q1 25 | $-4.1M | $22.2M | ||
| Q4 24 | $2.2M | $95.0M | ||
| Q3 24 | $1.9M | $21.2M | ||
| Q2 24 | $2.3M | $27.3M | ||
| Q1 24 | $4.9M | $23.2M |
| Q4 25 | $-9.4M | $31.9M | ||
| Q3 25 | $5.6M | $33.9M | ||
| Q2 25 | $-4.3M | $18.3M | ||
| Q1 25 | $-5.3M | $20.9M | ||
| Q4 24 | $504.0K | $88.8M | ||
| Q3 24 | $-205.0K | $18.9M | ||
| Q2 24 | $147.0K | $26.3M | ||
| Q1 24 | $2.2M | $21.9M |
| Q4 25 | -8.3% | 16.4% | ||
| Q3 25 | 5.5% | 38.8% | ||
| Q2 25 | -4.5% | 22.1% | ||
| Q1 25 | -5.9% | 25.5% | ||
| Q4 24 | 0.5% | 115.1% | ||
| Q3 24 | -0.2% | 24.7% | ||
| Q2 24 | 0.2% | 36.2% | ||
| Q1 24 | 2.2% | 30.0% |
| Q4 25 | 0.6% | 3.6% | ||
| Q3 25 | 0.8% | 1.1% | ||
| Q2 25 | 1.0% | 0.8% | ||
| Q1 25 | 1.3% | 1.7% | ||
| Q4 24 | 1.6% | 8.1% | ||
| Q3 24 | 2.2% | 2.9% | ||
| Q2 24 | 2.4% | 1.3% | ||
| Q1 24 | 2.8% | 1.9% |
| Q4 25 | — | 0.40× | ||
| Q3 25 | — | 1.47× | ||
| Q2 25 | — | 0.88× | ||
| Q1 25 | — | 1.13× | ||
| Q4 24 | — | 4.82× | ||
| Q3 24 | — | 1.14× | ||
| Q2 24 | — | 1.74× | ||
| Q1 24 | 8.97× | 1.38× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
BRCC
| Sales Channel Through Intermediary | $72.9M | 65% |
| Sales Channel Directly To Consumer | $34.4M | 31% |
| Outpost | $5.4M | 5% |
TMP
Segment breakdown not available.
