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Side-by-side financial comparison of DULUTH HOLDINGS INC. (DLTH) 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 $114.9M, roughly 1.7× DULUTH HOLDINGS INC.). TOMPKINS FINANCIAL CORP runs the higher net margin — 49.4% vs -8.8%, a 58.2% gap on every dollar of revenue. On growth, TOMPKINS FINANCIAL CORP posted the faster year-over-year revenue change (152.7% vs -9.6%). TOMPKINS FINANCIAL CORP produced more free cash flow last quarter ($31.9M vs $-8.9M). Over the past eight quarters, TOMPKINS FINANCIAL CORP's revenue compounded faster (63.6% CAGR vs -31.6%).
Duluth Holdings Inc., which primarily sells goods through its Duluth Trading Company brand, is an American workwear and accessories company.
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.
DLTH vs TMP — Head-to-Head
Income Statement — Q3 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $114.9M | $194.8M |
| Net Profit | $-10.1M | $96.2M |
| Gross Margin | 53.8% | — |
| Operating Margin | -7.7% | 71.7% |
| Net Margin | -8.8% | 49.4% |
| Revenue YoY | -9.6% | 152.7% |
| Net Profit YoY | 64.6% | 388.9% |
| EPS (diluted) | $-0.29 | $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 | $114.9M | $194.8M | ||
| Q3 25 | $131.7M | $87.4M | ||
| Q2 25 | $102.7M | $82.6M | ||
| Q1 25 | $241.3M | $81.7M | ||
| Q4 24 | $127.1M | $77.1M | ||
| Q3 24 | $141.6M | $76.6M | ||
| Q2 24 | $116.7M | $72.7M | ||
| Q1 24 | $245.6M | $72.8M |
| Q4 25 | $-10.1M | $96.2M | ||
| Q3 25 | $1.3M | $23.7M | ||
| Q2 25 | $-15.3M | $21.5M | ||
| Q1 25 | $-5.6M | $19.7M | ||
| Q4 24 | $-28.2M | $19.7M | ||
| Q3 24 | $-2.0M | $18.6M | ||
| Q2 24 | $-7.9M | $15.7M | ||
| Q1 24 | $6.4M | $16.9M |
| Q4 25 | 53.8% | — | ||
| Q3 25 | 54.7% | — | ||
| Q2 25 | 52.0% | — | ||
| Q1 25 | 44.1% | — | ||
| Q4 24 | 52.3% | — | ||
| Q3 24 | 52.3% | — | ||
| Q2 24 | 52.8% | — | ||
| Q1 24 | 48.2% | — |
| Q4 25 | -7.7% | 71.7% | ||
| Q3 25 | 1.8% | 35.6% | ||
| Q2 25 | -12.0% | 34.2% | ||
| Q1 25 | -1.8% | 31.6% | ||
| Q4 24 | -17.4% | 33.4% | ||
| Q3 24 | -1.1% | 32.0% | ||
| Q2 24 | -7.7% | 28.3% | ||
| Q1 24 | 3.6% | 30.4% |
| Q4 25 | -8.8% | 49.4% | ||
| Q3 25 | 1.0% | 27.1% | ||
| Q2 25 | -14.9% | 26.0% | ||
| Q1 25 | -2.3% | 24.1% | ||
| Q4 24 | -22.2% | 25.5% | ||
| Q3 24 | -1.4% | 24.3% | ||
| Q2 24 | -6.7% | 21.6% | ||
| Q1 24 | 2.6% | 23.2% |
| Q4 25 | $-0.29 | $6.72 | ||
| Q3 25 | $0.04 | $1.65 | ||
| Q2 25 | $-0.45 | $1.50 | ||
| Q1 25 | $-0.17 | $1.37 | ||
| Q4 24 | $-0.84 | $1.39 | ||
| Q3 24 | $-0.06 | $1.30 | ||
| Q2 24 | $-0.24 | $1.10 | ||
| Q1 24 | $0.20 | $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 | $8.2M | $132.8M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $160.6M | $938.4M |
| Total Assets | $468.0M | $8.7B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $8.2M | $132.8M | ||
| Q3 25 | $5.7M | $193.5M | ||
| Q2 25 | $8.6M | $212.6M | ||
| Q1 25 | $3.3M | $193.1M | ||
| Q4 24 | $9.3M | $134.4M | ||
| Q3 24 | $9.8M | $132.3M | ||
| Q2 24 | $6.8M | $70.9M | ||
| Q1 24 | $32.2M | $57.1M |
| Q4 25 | $160.6M | $938.4M | ||
| Q3 25 | $170.0M | $788.8M | ||
| Q2 25 | $167.9M | $761.8M | ||
| Q1 25 | $182.7M | $741.4M | ||
| Q4 24 | $188.1M | $713.4M | ||
| Q3 24 | $215.7M | $719.9M | ||
| Q2 24 | $218.4M | $674.6M | ||
| Q1 24 | $222.8M | $667.9M |
| Q4 25 | $468.0M | $8.7B | ||
| Q3 25 | $433.8M | $8.5B | ||
| Q2 25 | $463.7M | $8.4B | ||
| Q1 25 | $452.4M | $8.2B | ||
| Q4 24 | $533.1M | $8.1B | ||
| Q3 24 | $488.6M | $8.0B | ||
| Q2 24 | $471.4M | $7.9B | ||
| Q1 24 | $491.2M | $7.8B |
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 | $-6.7M | $38.9M |
| Free Cash FlowOCF − Capex | $-8.9M | $31.9M |
| FCF MarginFCF / Revenue | -7.8% | 16.4% |
| Capex IntensityCapex / Revenue | 2.0% | 3.6% |
| Cash ConversionOCF / Net Profit | — | 0.40× |
| TTM Free Cash FlowTrailing 4 quarters | $1.7M | $105.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-6.7M | $38.9M | ||
| Q3 25 | $32.0M | $34.9M | ||
| Q2 25 | $-56.5M | $18.9M | ||
| Q1 25 | $41.2M | $22.2M | ||
| Q4 24 | $-41.1M | $95.0M | ||
| Q3 24 | $16.6M | $21.2M | ||
| Q2 24 | $-33.7M | $27.3M | ||
| Q1 24 | $69.7M | $23.2M |
| Q4 25 | $-8.9M | $31.9M | ||
| Q3 25 | $29.8M | $33.9M | ||
| Q2 25 | $-57.8M | $18.3M | ||
| Q1 25 | $38.7M | $20.9M | ||
| Q4 24 | $-43.7M | $88.8M | ||
| Q3 24 | $15.0M | $18.9M | ||
| Q2 24 | $-35.2M | $26.3M | ||
| Q1 24 | $60.6M | $21.9M |
| Q4 25 | -7.8% | 16.4% | ||
| Q3 25 | 22.6% | 38.8% | ||
| Q2 25 | -56.3% | 22.1% | ||
| Q1 25 | 16.0% | 25.5% | ||
| Q4 24 | -34.4% | 115.1% | ||
| Q3 24 | 10.6% | 24.7% | ||
| Q2 24 | -30.2% | 36.2% | ||
| Q1 24 | 24.7% | 30.0% |
| Q4 25 | 2.0% | 3.6% | ||
| Q3 25 | 1.7% | 1.1% | ||
| Q2 25 | 1.3% | 0.8% | ||
| Q1 25 | 1.0% | 1.7% | ||
| Q4 24 | 2.1% | 8.1% | ||
| Q3 24 | 1.2% | 2.9% | ||
| Q2 24 | 1.3% | 1.3% | ||
| Q1 24 | 3.7% | 1.9% |
| Q4 25 | — | 0.40× | ||
| Q3 25 | 25.40× | 1.47× | ||
| Q2 25 | — | 0.88× | ||
| Q1 25 | — | 1.13× | ||
| Q4 24 | — | 4.82× | ||
| Q3 24 | — | 1.14× | ||
| Q2 24 | — | 1.74× | ||
| Q1 24 | 10.86× | 1.38× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
DLTH
| Sales Channel Directly To Consumer | $67.4M | 59% |
| Sales Channel Through Intermediary | $47.4M | 41% |
TMP
Segment breakdown not available.
