vs
Side-by-side financial comparison of Loar Holdings Inc. (LOAR) 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 $131.8M, roughly 1.5× Loar Holdings Inc.). TOMPKINS FINANCIAL CORP runs the higher net margin — 49.4% vs 9.5%, a 39.9% gap on every dollar of revenue. On growth, TOMPKINS FINANCIAL CORP posted the faster year-over-year revenue change (152.7% vs 19.3%). Over the past eight quarters, TOMPKINS FINANCIAL CORP's revenue compounded faster (63.6% CAGR vs 19.8%).
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.
LOAR vs TMP — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $131.8M | $194.8M |
| Net Profit | $12.5M | $96.2M |
| Gross Margin | 52.1% | — |
| Operating Margin | 18.0% | 71.7% |
| Net Margin | 9.5% | 49.4% |
| Revenue YoY | 19.3% | 152.7% |
| Net Profit YoY | 239.5% | 388.9% |
| EPS (diluted) | $0.13 | $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 | $131.8M | $194.8M | ||
| Q3 25 | $126.8M | $87.4M | ||
| Q2 25 | $123.1M | $82.6M | ||
| Q1 25 | $114.7M | $81.7M | ||
| Q4 24 | $110.4M | $77.1M | ||
| Q3 24 | $103.5M | $76.6M | ||
| Q2 24 | $97.0M | $72.7M | ||
| Q1 24 | $91.8M | $72.8M |
| Q4 25 | $12.5M | $96.2M | ||
| Q3 25 | $27.6M | $23.7M | ||
| Q2 25 | $16.7M | $21.5M | ||
| Q1 25 | $15.3M | $19.7M | ||
| Q4 24 | $3.7M | $19.7M | ||
| Q3 24 | $8.7M | $18.6M | ||
| Q2 24 | $7.6M | $15.7M | ||
| Q1 24 | $2.2M | $16.9M |
| Q4 25 | 52.1% | — | ||
| Q3 25 | 52.7% | — | ||
| Q2 25 | 53.8% | — | ||
| Q1 25 | 52.1% | — | ||
| Q4 24 | 48.9% | — | ||
| Q3 24 | 51.1% | — | ||
| Q2 24 | 49.0% | — | ||
| Q1 24 | 48.4% | — |
| Q4 25 | 18.0% | 71.7% | ||
| Q3 25 | 22.9% | 35.6% | ||
| Q2 25 | 22.2% | 34.2% | ||
| Q1 25 | 22.8% | 31.6% | ||
| Q4 24 | 19.2% | 33.4% | ||
| Q3 24 | 22.1% | 32.0% | ||
| Q2 24 | 22.9% | 28.3% | ||
| Q1 24 | 23.3% | 30.4% |
| Q4 25 | 9.5% | 49.4% | ||
| Q3 25 | 21.8% | 27.1% | ||
| Q2 25 | 13.6% | 26.0% | ||
| Q1 25 | 13.4% | 24.1% | ||
| Q4 24 | 3.3% | 25.5% | ||
| Q3 24 | 8.4% | 24.3% | ||
| Q2 24 | 7.9% | 21.6% | ||
| Q1 24 | 2.4% | 23.2% |
| Q4 25 | $0.13 | $6.72 | ||
| Q3 25 | $0.29 | $1.65 | ||
| Q2 25 | $0.17 | $1.50 | ||
| Q1 25 | $0.16 | $1.37 | ||
| Q4 24 | $-11023.48 | $1.39 | ||
| Q3 24 | $0.09 | $1.30 | ||
| Q2 24 | $0.09 | $1.10 | ||
| Q1 24 | $11023.54 | $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 | $84.8M | $132.8M |
| Total DebtLower is stronger | $715.7M | — |
| Stockholders' EquityBook value | $1.2B | $938.4M |
| Total Assets | $2.0B | $8.7B |
| Debt / EquityLower = less leverage | 0.61× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $84.8M | $132.8M | ||
| Q3 25 | $99.0M | $193.5M | ||
| Q2 25 | $103.3M | $212.6M | ||
| Q1 25 | $80.5M | $193.1M | ||
| Q4 24 | $54.1M | $134.4M | ||
| Q3 24 | $55.2M | $132.3M | ||
| Q2 24 | $73.2M | $70.9M | ||
| Q1 24 | $28.2M | $57.1M |
| Q4 25 | $715.7M | — | ||
| Q3 25 | $279.4M | — | ||
| Q2 25 | $277.7M | — | ||
| Q1 25 | $277.5M | — | ||
| Q4 24 | $277.3M | — | ||
| Q3 24 | $602.1M | — | ||
| Q2 24 | $250.7M | — | ||
| Q1 24 | $534.2M | — |
| Q4 25 | $1.2B | $938.4M | ||
| Q3 25 | $1.2B | $788.8M | ||
| Q2 25 | $1.1B | $761.8M | ||
| Q1 25 | $1.1B | $741.4M | ||
| Q4 24 | $1.1B | $713.4M | ||
| Q3 24 | $769.8M | $719.9M | ||
| Q2 24 | $758.4M | $674.6M | ||
| Q1 24 | $420.6M | $667.9M |
| Q4 25 | $2.0B | $8.7B | ||
| Q3 25 | $1.5B | $8.5B | ||
| Q2 25 | $1.5B | $8.4B | ||
| Q1 25 | $1.5B | $8.2B | ||
| Q4 24 | $1.5B | $8.1B | ||
| Q3 24 | $1.5B | $8.0B | ||
| Q2 24 | $1.1B | $7.9B | ||
| Q1 24 | $1.1B | $7.8B |
| Q4 25 | 0.61× | — | ||
| Q3 25 | 0.24× | — | ||
| Q2 25 | 0.25× | — | ||
| Q1 25 | 0.25× | — | ||
| Q4 24 | 0.25× | — | ||
| Q3 24 | 0.78× | — | ||
| Q2 24 | 0.33× | — | ||
| Q1 24 | 1.27× | — |
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 | $30.4M | $38.9M |
| Free Cash FlowOCF − Capex | — | $31.9M |
| FCF MarginFCF / Revenue | — | 16.4% |
| Capex IntensityCapex / Revenue | — | 3.6% |
| Cash ConversionOCF / Net Profit | 2.43× | 0.40× |
| TTM Free Cash FlowTrailing 4 quarters | — | $105.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $30.4M | $38.9M | ||
| Q3 25 | $29.7M | $34.9M | ||
| Q2 25 | $23.8M | $18.9M | ||
| Q1 25 | $28.4M | $22.2M | ||
| Q4 24 | $20.7M | $95.0M | ||
| Q3 24 | $16.3M | $21.2M | ||
| Q2 24 | $7.1M | $27.3M | ||
| Q1 24 | $10.8M | $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 | 2.43× | 0.40× | ||
| Q3 25 | 1.08× | 1.47× | ||
| Q2 25 | 1.42× | 0.88× | ||
| Q1 25 | 1.85× | 1.13× | ||
| Q4 24 | 5.62× | 4.82× | ||
| Q3 24 | 1.89× | 1.14× | ||
| Q2 24 | 0.93× | 1.74× | ||
| Q1 24 | 4.81× | 1.38× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
LOAR
| Other | $76.8M | 58% |
| Commercial Aerospace | $21.2M | 16% |
| Business Jet And General Aviation | $17.6M | 13% |
| Defense | $16.2M | 12% |
TMP
Segment breakdown not available.
