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Side-by-side financial comparison of H2O AMERICA (HTO) and TOMPKINS FINANCIAL CORP (TMP). Click either name above to swap in a different company.
H2O AMERICA is the larger business by last-quarter revenue ($199.4M vs $194.8M, roughly 1.0× TOMPKINS FINANCIAL CORP). TOMPKINS FINANCIAL CORP runs the higher net margin — 49.4% vs 8.1%, a 41.3% gap on every dollar of revenue. On growth, TOMPKINS FINANCIAL CORP posted the faster year-over-year revenue change (152.7% vs 1.5%). Over the past eight quarters, TOMPKINS FINANCIAL CORP's revenue compounded faster (63.6% CAGR vs 15.3%).
H2O Wireless is a United States-based prepaid cell phone service, that utilizes the AT&T network. It is a brand of the mobile virtual network operator (MVNO) Locus Telecommunications, a subsidiary of Telrite Holdings, Inc., since 2019. Locus was formerly a subsidiary of KDDI America corporation, starting in 2010. H2O Wireless is primarily advertised as a non-restrictive phone service for customers to bring or buy unlocked smartphones, although AT&T contract/locked phones may be accepted as well.
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.
HTO vs TMP — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $199.4M | $194.8M |
| Net Profit | $16.2M | $96.2M |
| Gross Margin | — | — |
| Operating Margin | 16.6% | 71.7% |
| Net Margin | 8.1% | 49.4% |
| Revenue YoY | 1.5% | 152.7% |
| Net Profit YoY | -29.2% | 388.9% |
| EPS (diluted) | $0.45 | $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 | $199.4M | $194.8M | ||
| Q3 25 | $243.5M | $87.4M | ||
| Q2 25 | $197.8M | $82.6M | ||
| Q1 25 | $164.9M | $81.7M | ||
| Q4 24 | $196.5M | $77.1M | ||
| Q3 24 | $216.7M | $76.6M | ||
| Q2 24 | $173.1M | $72.7M | ||
| Q1 24 | $150.0M | $72.8M |
| Q4 25 | $16.2M | $96.2M | ||
| Q3 25 | $45.1M | $23.7M | ||
| Q2 25 | $24.7M | $21.5M | ||
| Q1 25 | $16.6M | $19.7M | ||
| Q4 24 | $22.9M | $19.7M | ||
| Q3 24 | $38.7M | $18.6M | ||
| Q2 24 | $20.7M | $15.7M | ||
| Q1 24 | $11.7M | $16.9M |
| Q4 25 | 16.6% | 71.7% | ||
| Q3 25 | 26.5% | 35.6% | ||
| Q2 25 | 22.2% | 34.2% | ||
| Q1 25 | 21.8% | 31.6% | ||
| Q4 24 | 22.2% | 33.4% | ||
| Q3 24 | 26.9% | 32.0% | ||
| Q2 24 | 23.4% | 28.3% | ||
| Q1 24 | 18.6% | 30.4% |
| Q4 25 | 8.1% | 49.4% | ||
| Q3 25 | 18.5% | 27.1% | ||
| Q2 25 | 12.5% | 26.0% | ||
| Q1 25 | 10.0% | 24.1% | ||
| Q4 24 | 11.7% | 25.5% | ||
| Q3 24 | 17.8% | 24.3% | ||
| Q2 24 | 12.0% | 21.6% | ||
| Q1 24 | 7.8% | 23.2% |
| Q4 25 | $0.45 | $6.72 | ||
| Q3 25 | $1.27 | $1.65 | ||
| Q2 25 | $0.71 | $1.50 | ||
| Q1 25 | $0.49 | $1.37 | ||
| Q4 24 | $0.70 | $1.39 | ||
| Q3 24 | $1.17 | $1.30 | ||
| Q2 24 | $0.64 | $1.10 | ||
| Q1 24 | $0.36 | $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 | $20.7M | $132.8M |
| Total DebtLower is stronger | $1.9B | — |
| Stockholders' EquityBook value | $1.5B | $938.4M |
| Total Assets | $5.1B | $8.7B |
| Debt / EquityLower = less leverage | 1.23× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $20.7M | $132.8M | ||
| Q3 25 | $11.3M | $193.5M | ||
| Q2 25 | $19.8M | $212.6M | ||
| Q1 25 | $23.7M | $193.1M | ||
| Q4 24 | $11.1M | $134.4M | ||
| Q3 24 | $4.0M | $132.3M | ||
| Q2 24 | $22.8M | $70.9M | ||
| Q1 24 | $4.5M | $57.1M |
| Q4 25 | $1.9B | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $1.7B | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $1.5B | $938.4M | ||
| Q3 25 | $1.5B | $788.8M | ||
| Q2 25 | $1.5B | $761.8M | ||
| Q1 25 | $1.4B | $741.4M | ||
| Q4 24 | $1.4B | $713.4M | ||
| Q3 24 | $1.3B | $719.9M | ||
| Q2 24 | $1.3B | $674.6M | ||
| Q1 24 | $1.2B | $667.9M |
| Q4 25 | $5.1B | $8.7B | ||
| Q3 25 | $5.0B | $8.5B | ||
| Q2 25 | $4.8B | $8.4B | ||
| Q1 25 | $4.7B | $8.2B | ||
| Q4 24 | $4.7B | $8.1B | ||
| Q3 24 | $4.6B | $8.0B | ||
| Q2 24 | $4.4B | $7.9B | ||
| Q1 24 | $4.4B | $7.8B |
| Q4 25 | 1.23× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 1.26× | — | ||
| 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 | $63.5M | $38.9M |
| Free Cash FlowOCF − Capex | — | $31.9M |
| FCF MarginFCF / Revenue | — | 16.4% |
| Capex IntensityCapex / Revenue | — | 3.6% |
| Cash ConversionOCF / Net Profit | 3.92× | 0.40× |
| TTM Free Cash FlowTrailing 4 quarters | — | $105.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $63.5M | $38.9M | ||
| Q3 25 | $77.3M | $34.9M | ||
| Q2 25 | $60.8M | $18.9M | ||
| Q1 25 | $43.2M | $22.2M | ||
| Q4 24 | $41.5M | $95.0M | ||
| Q3 24 | $53.5M | $21.2M | ||
| Q2 24 | $49.3M | $27.3M | ||
| Q1 24 | $51.2M | $23.2M |
| 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 24 | — | $21.9M |
| 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 24 | — | 30.0% |
| 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 24 | — | 1.9% |
| Q4 25 | 3.92× | 0.40× | ||
| Q3 25 | 1.71× | 1.47× | ||
| Q2 25 | 2.47× | 0.88× | ||
| Q1 25 | 2.61× | 1.13× | ||
| Q4 24 | 1.81× | 4.82× | ||
| Q3 24 | 1.39× | 1.14× | ||
| Q2 24 | 2.38× | 1.74× | ||
| Q1 24 | 4.38× | 1.38× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
HTO
| Water Utility Services | $191.0M | 96% |
| Other | $8.4M | 4% |
TMP
Segment breakdown not available.
