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Side-by-side financial comparison of El Pollo Loco Holdings, Inc. (LOCO) 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 $123.5M, roughly 1.6× El Pollo Loco Holdings, Inc.). TOMPKINS FINANCIAL CORP runs the higher net margin — 49.4% vs 5.3%, a 44.1% gap on every dollar of revenue. On growth, TOMPKINS FINANCIAL CORP posted the faster year-over-year revenue change (152.7% vs 8.1%). TOMPKINS FINANCIAL CORP produced more free cash flow last quarter ($31.9M vs $5.1M). Over the past eight quarters, TOMPKINS FINANCIAL CORP's revenue compounded faster (63.6% CAGR vs 3.1%).
El Pollo Loco, Inc., is a restaurant chain based in the United States, specializing in Mexican-style grilled chicken. Restaurant service consists of dine-in and take-out, with some locations offering drive-through options. The company is headquartered in Costa Mesa, California, and operates about 500 company-owned and franchised restaurants in the Southwestern 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.
LOCO vs TMP — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $123.5M | $194.8M |
| Net Profit | $6.5M | $96.2M |
| Gross Margin | — | — |
| Operating Margin | 8.3% | 71.7% |
| Net Margin | 5.3% | 49.4% |
| Revenue YoY | 8.1% | 152.7% |
| Net Profit YoY | 9.9% | 388.9% |
| EPS (diluted) | $0.22 | $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 | $123.5M | $194.8M | ||
| Q3 25 | $121.5M | $87.4M | ||
| Q2 25 | $125.8M | $82.6M | ||
| Q1 25 | $119.2M | $81.7M | ||
| Q4 24 | $114.3M | $77.1M | ||
| Q3 24 | $120.4M | $76.6M | ||
| Q2 24 | $122.2M | $72.7M | ||
| Q1 24 | $116.2M | $72.8M |
| Q4 25 | $6.5M | $96.2M | ||
| Q3 25 | $7.4M | $23.7M | ||
| Q2 25 | $7.1M | $21.5M | ||
| Q1 25 | $5.5M | $19.7M | ||
| Q4 24 | $6.0M | $19.7M | ||
| Q3 24 | $6.2M | $18.6M | ||
| Q2 24 | $7.6M | $15.7M | ||
| Q1 24 | $5.9M | $16.9M |
| Q4 25 | 8.3% | 71.7% | ||
| Q3 25 | 9.4% | 35.6% | ||
| Q2 25 | 9.0% | 34.2% | ||
| Q1 25 | 7.5% | 31.6% | ||
| Q4 24 | 7.9% | 33.4% | ||
| Q3 24 | 8.4% | 32.0% | ||
| Q2 24 | 10.1% | 28.3% | ||
| Q1 24 | 8.3% | 30.4% |
| Q4 25 | 5.3% | 49.4% | ||
| Q3 25 | 6.1% | 27.1% | ||
| Q2 25 | 5.6% | 26.0% | ||
| Q1 25 | 4.6% | 24.1% | ||
| Q4 24 | 5.2% | 25.5% | ||
| Q3 24 | 5.1% | 24.3% | ||
| Q2 24 | 6.2% | 21.6% | ||
| Q1 24 | 5.1% | 23.2% |
| Q4 25 | $0.22 | $6.72 | ||
| Q3 25 | $0.25 | $1.65 | ||
| Q2 25 | $0.24 | $1.50 | ||
| Q1 25 | $0.19 | $1.37 | ||
| Q4 24 | $0.21 | $1.39 | ||
| Q3 24 | $0.21 | $1.30 | ||
| Q2 24 | $0.25 | $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 | $6.2M | $132.8M |
| Total DebtLower is stronger | $51.0M | — |
| Stockholders' EquityBook value | $291.1M | $938.4M |
| Total Assets | $606.6M | $8.7B |
| Debt / EquityLower = less leverage | 0.18× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $6.2M | $132.8M | ||
| Q3 25 | $10.9M | $193.5M | ||
| Q2 25 | $9.0M | $212.6M | ||
| Q1 25 | $4.3M | $193.1M | ||
| Q4 24 | $2.5M | $134.4M | ||
| Q3 24 | $7.9M | $132.3M | ||
| Q2 24 | $10.5M | $70.9M | ||
| Q1 24 | $9.1M | $57.1M |
| Q4 25 | $51.0M | — | ||
| Q3 25 | $61.0M | — | ||
| Q2 25 | $69.0M | — | ||
| Q1 25 | $73.0M | — | ||
| Q4 24 | $71.0M | — | ||
| Q3 24 | $76.0M | — | ||
| Q2 24 | $87.0M | — | ||
| Q1 24 | $80.0M | — |
| Q4 25 | $291.1M | $938.4M | ||
| Q3 25 | $282.9M | $788.8M | ||
| Q2 25 | $274.2M | $761.8M | ||
| Q1 25 | $265.7M | $741.4M | ||
| Q4 24 | $260.7M | $713.4M | ||
| Q3 24 | $255.2M | $719.9M | ||
| Q2 24 | $248.6M | $674.6M | ||
| Q1 24 | $256.3M | $667.9M |
| Q4 25 | $606.6M | $8.7B | ||
| Q3 25 | $602.7M | $8.5B | ||
| Q2 25 | $596.8M | $8.4B | ||
| Q1 25 | $590.5M | $8.2B | ||
| Q4 24 | $592.0M | $8.1B | ||
| Q3 24 | $590.0M | $8.0B | ||
| Q2 24 | $593.8M | $7.9B | ||
| Q1 24 | $598.0M | $7.8B |
| Q4 25 | 0.18× | — | ||
| Q3 25 | 0.22× | — | ||
| Q2 25 | 0.25× | — | ||
| Q1 25 | 0.27× | — | ||
| Q4 24 | 0.27× | — | ||
| Q3 24 | 0.30× | — | ||
| Q2 24 | 0.35× | — | ||
| Q1 24 | 0.31× | — |
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 | $13.9M | $38.9M |
| Free Cash FlowOCF − Capex | $5.1M | $31.9M |
| FCF MarginFCF / Revenue | 4.1% | 16.4% |
| Capex IntensityCapex / Revenue | 7.1% | 3.6% |
| Cash ConversionOCF / Net Profit | 2.13× | 0.40× |
| TTM Free Cash FlowTrailing 4 quarters | $25.4M | $105.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $13.9M | $38.9M | ||
| Q3 25 | $15.3M | $34.9M | ||
| Q2 25 | $14.1M | $18.9M | ||
| Q1 25 | $4.7M | $22.2M | ||
| Q4 24 | $5.6M | $95.0M | ||
| Q3 24 | $13.0M | $21.2M | ||
| Q2 24 | $17.0M | $27.3M | ||
| Q1 24 | $11.2M | $23.2M |
| Q4 25 | $5.1M | $31.9M | ||
| Q3 25 | $9.9M | $33.9M | ||
| Q2 25 | $9.1M | $18.3M | ||
| Q1 25 | $1.3M | $20.9M | ||
| Q4 24 | $1.1M | $88.8M | ||
| Q3 24 | $9.1M | $18.9M | ||
| Q2 24 | $10.4M | $26.3M | ||
| Q1 24 | $7.0M | $21.9M |
| Q4 25 | 4.1% | 16.4% | ||
| Q3 25 | 8.2% | 38.8% | ||
| Q2 25 | 7.2% | 22.1% | ||
| Q1 25 | 1.1% | 25.5% | ||
| Q4 24 | 1.0% | 115.1% | ||
| Q3 24 | 7.6% | 24.7% | ||
| Q2 24 | 8.5% | 36.2% | ||
| Q1 24 | 6.0% | 30.0% |
| Q4 25 | 7.1% | 3.6% | ||
| Q3 25 | 4.4% | 1.1% | ||
| Q2 25 | 4.0% | 0.8% | ||
| Q1 25 | 2.8% | 1.7% | ||
| Q4 24 | 3.9% | 8.1% | ||
| Q3 24 | 3.2% | 2.9% | ||
| Q2 24 | 5.3% | 1.3% | ||
| Q1 24 | 3.6% | 1.9% |
| Q4 25 | 2.13× | 0.40× | ||
| Q3 25 | 2.08× | 1.47× | ||
| Q2 25 | 1.99× | 0.88× | ||
| Q1 25 | 0.86× | 1.13× | ||
| Q4 24 | 0.95× | 4.82× | ||
| Q3 24 | 2.11× | 1.14× | ||
| Q2 24 | 2.22× | 1.74× | ||
| Q1 24 | 1.89× | 1.38× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
LOCO
| Services | $102.4M | 83% |
| Franchise | $13.0M | 11% |
| Franchise Advertising Fee | $8.1M | 7% |
TMP
Segment breakdown not available.
