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Side-by-side financial comparison of HEARTLAND EXPRESS INC (HTLD) 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 $179.4M, roughly 1.1× HEARTLAND EXPRESS INC). TOMPKINS FINANCIAL CORP runs the higher net margin — 49.4% vs -10.8%, a 60.2% gap on every dollar of revenue. On growth, TOMPKINS FINANCIAL CORP posted the faster year-over-year revenue change (152.7% vs -26.1%). TOMPKINS FINANCIAL CORP produced more free cash flow last quarter ($31.9M vs $-44.2M). Over the past eight quarters, TOMPKINS FINANCIAL CORP's revenue compounded faster (63.6% CAGR vs -18.5%).
Heartland Express is an American trucking company headquartered in North Liberty, Iowa. The company offers truckload shipping services across 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.
HTLD vs TMP — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $179.4M | $194.8M |
| Net Profit | $-19.4M | $96.2M |
| Gross Margin | — | — |
| Operating Margin | -12.7% | 71.7% |
| Net Margin | -10.8% | 49.4% |
| Revenue YoY | -26.1% | 152.7% |
| Net Profit YoY | -949.2% | 388.9% |
| EPS (diluted) | $-0.24 | $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 | $179.4M | $194.8M | ||
| Q3 25 | $196.5M | $87.4M | ||
| Q2 25 | $210.4M | $82.6M | ||
| Q1 25 | $219.4M | $81.7M | ||
| Q4 24 | $242.6M | $77.1M | ||
| Q3 24 | $259.9M | $76.6M | ||
| Q2 24 | $274.8M | $72.7M | ||
| Q1 24 | $270.3M | $72.8M |
| Q4 25 | $-19.4M | $96.2M | ||
| Q3 25 | $-8.3M | $23.7M | ||
| Q2 25 | $-10.9M | $21.5M | ||
| Q1 25 | $-13.9M | $19.7M | ||
| Q4 24 | $-1.9M | $19.7M | ||
| Q3 24 | $-9.3M | $18.6M | ||
| Q2 24 | $-3.5M | $15.7M | ||
| Q1 24 | $-15.1M | $16.9M |
| Q4 25 | -12.7% | 71.7% | ||
| Q3 25 | -3.7% | 35.6% | ||
| Q2 25 | -5.9% | 34.2% | ||
| Q1 25 | -6.8% | 31.6% | ||
| Q4 24 | 0.4% | 33.4% | ||
| Q3 24 | -2.7% | 32.0% | ||
| Q2 24 | 0.1% | 28.3% | ||
| Q1 24 | -5.3% | 30.4% |
| Q4 25 | -10.8% | 49.4% | ||
| Q3 25 | -4.2% | 27.1% | ||
| Q2 25 | -5.2% | 26.0% | ||
| Q1 25 | -6.3% | 24.1% | ||
| Q4 24 | -0.8% | 25.5% | ||
| Q3 24 | -3.6% | 24.3% | ||
| Q2 24 | -1.3% | 21.6% | ||
| Q1 24 | -5.6% | 23.2% |
| Q4 25 | $-0.24 | $6.72 | ||
| Q3 25 | $-0.11 | $1.65 | ||
| Q2 25 | $-0.14 | $1.50 | ||
| Q1 25 | $-0.18 | $1.37 | ||
| Q4 24 | $-0.03 | $1.39 | ||
| Q3 24 | $-0.12 | $1.30 | ||
| Q2 24 | $-0.04 | $1.10 | ||
| Q1 24 | $-0.19 | $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 | $18.5M | $132.8M |
| Total DebtLower is stronger | $154.1M | — |
| Stockholders' EquityBook value | $755.3M | $938.4M |
| Total Assets | $1.2B | $8.7B |
| Debt / EquityLower = less leverage | 0.20× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $18.5M | $132.8M | ||
| Q3 25 | $32.7M | $193.5M | ||
| Q2 25 | $22.9M | $212.6M | ||
| Q1 25 | $23.9M | $193.1M | ||
| Q4 24 | $12.8M | $134.4M | ||
| Q3 24 | $30.7M | $132.3M | ||
| Q2 24 | $23.9M | $70.9M | ||
| Q1 24 | $23.8M | $57.1M |
| Q4 25 | $154.1M | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $187.9M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $755.3M | $938.4M | ||
| Q3 25 | $775.6M | $788.8M | ||
| Q2 25 | $786.7M | $761.8M | ||
| Q1 25 | $807.7M | $741.4M | ||
| Q4 24 | $822.6M | $713.4M | ||
| Q3 24 | $825.7M | $719.9M | ||
| Q2 24 | $836.8M | $674.6M | ||
| Q1 24 | $848.8M | $667.9M |
| Q4 25 | $1.2B | $8.7B | ||
| Q3 25 | $1.3B | $8.5B | ||
| Q2 25 | $1.3B | $8.4B | ||
| Q1 25 | $1.3B | $8.2B | ||
| Q4 24 | $1.3B | $8.1B | ||
| Q3 24 | $1.4B | $8.0B | ||
| Q2 24 | $1.4B | $7.9B | ||
| Q1 24 | $1.5B | $7.8B |
| Q4 25 | 0.20× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.23× | — | ||
| 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 | $14.9M | $38.9M |
| Free Cash FlowOCF − Capex | $-44.2M | $31.9M |
| FCF MarginFCF / Revenue | -24.6% | 16.4% |
| Capex IntensityCapex / Revenue | 33.0% | 3.6% |
| Cash ConversionOCF / Net Profit | — | 0.40× |
| TTM Free Cash FlowTrailing 4 quarters | $-66.9M | $105.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $14.9M | $38.9M | ||
| Q3 25 | $27.5M | $34.9M | ||
| Q2 25 | $21.0M | $18.9M | ||
| Q1 25 | $25.8M | $22.2M | ||
| Q4 24 | $37.8M | $95.0M | ||
| Q3 24 | $35.6M | $21.2M | ||
| Q2 24 | $40.0M | $27.3M | ||
| Q1 24 | $31.0M | $23.2M |
| Q4 25 | $-44.2M | $31.9M | ||
| Q3 25 | $-12.2M | $33.9M | ||
| Q2 25 | $-12.8M | $18.3M | ||
| Q1 25 | $2.3M | $20.9M | ||
| Q4 24 | $-45.5M | $88.8M | ||
| Q3 24 | $24.6M | $18.9M | ||
| Q2 24 | $29.4M | $26.3M | ||
| Q1 24 | $26.3M | $21.9M |
| Q4 25 | -24.6% | 16.4% | ||
| Q3 25 | -6.2% | 38.8% | ||
| Q2 25 | -6.1% | 22.1% | ||
| Q1 25 | 1.0% | 25.5% | ||
| Q4 24 | -18.8% | 115.1% | ||
| Q3 24 | 9.5% | 24.7% | ||
| Q2 24 | 10.7% | 36.2% | ||
| Q1 24 | 9.7% | 30.0% |
| Q4 25 | 33.0% | 3.6% | ||
| Q3 25 | 20.2% | 1.1% | ||
| Q2 25 | 16.1% | 0.8% | ||
| Q1 25 | 10.7% | 1.7% | ||
| Q4 24 | 34.3% | 8.1% | ||
| Q3 24 | 4.2% | 2.9% | ||
| Q2 24 | 3.8% | 1.3% | ||
| Q1 24 | 1.7% | 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 | — | 1.38× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
