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Side-by-side financial comparison of Lovesac Co (LOVE) 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 $150.2M, roughly 1.3× Lovesac Co). TOMPKINS FINANCIAL CORP runs the higher net margin — 49.4% vs -7.0%, a 56.4% gap on every dollar of revenue. On growth, TOMPKINS FINANCIAL CORP posted the faster year-over-year revenue change (152.7% vs 0.2%). TOMPKINS FINANCIAL CORP produced more free cash flow last quarter ($31.9M vs $-10.2M). Over the past eight quarters, TOMPKINS FINANCIAL CORP's revenue compounded faster (63.6% CAGR vs -22.6%).
The Lovesac Company is an American furniture retailer, specializing in a patented modular furniture system called Sactionals. Sactionals consist of two combinable pieces, “Seats” and “Sides,” as well as custom-fit covers and associated accessories. Lovesac also sells Sacs, a bag seat filled with a proprietary foam mixture.
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.
LOVE vs TMP — Head-to-Head
Income Statement — Q3 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $150.2M | $194.8M |
| Net Profit | $-10.6M | $96.2M |
| Gross Margin | 56.1% | — |
| Operating Margin | -10.5% | 71.7% |
| Net Margin | -7.0% | 49.4% |
| Revenue YoY | 0.2% | 152.7% |
| Net Profit YoY | -114.0% | 388.9% |
| EPS (diluted) | $-0.72 | $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 | $150.2M | $194.8M | ||
| Q3 25 | $160.5M | $87.4M | ||
| Q2 25 | $138.4M | $82.6M | ||
| Q1 25 | $241.5M | $81.7M | ||
| Q4 24 | $149.9M | $77.1M | ||
| Q3 24 | $156.6M | $76.6M | ||
| Q2 24 | $132.6M | $72.7M | ||
| Q1 24 | $250.5M | $72.8M |
| Q4 25 | $-10.6M | $96.2M | ||
| Q3 25 | $-6.7M | $23.7M | ||
| Q2 25 | $-10.8M | $21.5M | ||
| Q1 25 | $35.3M | $19.7M | ||
| Q4 24 | $-4.9M | $19.7M | ||
| Q3 24 | $-5.9M | $18.6M | ||
| Q2 24 | $-13.0M | $15.7M | ||
| Q1 24 | $31.0M | $16.9M |
| Q4 25 | 56.1% | — | ||
| Q3 25 | 56.4% | — | ||
| Q2 25 | 53.7% | — | ||
| Q1 25 | 60.4% | — | ||
| Q4 24 | 58.5% | — | ||
| Q3 24 | 59.0% | — | ||
| Q2 24 | 54.3% | — | ||
| Q1 24 | 59.7% | — |
| Q4 25 | -10.5% | 71.7% | ||
| Q3 25 | -5.5% | 35.6% | ||
| Q2 25 | -10.8% | 34.2% | ||
| Q1 25 | 19.7% | 31.6% | ||
| Q4 24 | -5.2% | 33.4% | ||
| Q3 24 | -5.3% | 32.0% | ||
| Q2 24 | -13.5% | 28.3% | ||
| Q1 24 | 16.1% | 30.4% |
| Q4 25 | -7.0% | 49.4% | ||
| Q3 25 | -4.1% | 27.1% | ||
| Q2 25 | -7.8% | 26.0% | ||
| Q1 25 | 14.6% | 24.1% | ||
| Q4 24 | -3.3% | 25.5% | ||
| Q3 24 | -3.7% | 24.3% | ||
| Q2 24 | -9.8% | 21.6% | ||
| Q1 24 | 12.4% | 23.2% |
| Q4 25 | $-0.72 | $6.72 | ||
| Q3 25 | $-0.45 | $1.65 | ||
| Q2 25 | $-0.73 | $1.50 | ||
| Q1 25 | $2.22 | $1.37 | ||
| Q4 24 | $-0.32 | $1.39 | ||
| Q3 24 | $-0.38 | $1.30 | ||
| Q2 24 | $-0.83 | $1.10 | ||
| Q1 24 | $1.91 | $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 | $23.7M | $132.8M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $189.3M | $938.4M |
| Total Assets | $495.5M | $8.7B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $23.7M | $132.8M | ||
| Q3 25 | $34.2M | $193.5M | ||
| Q2 25 | $26.9M | $212.6M | ||
| Q1 25 | $83.7M | $193.1M | ||
| Q4 24 | $61.7M | $134.4M | ||
| Q3 24 | $72.1M | $132.3M | ||
| Q2 24 | $72.4M | $70.9M | ||
| Q1 24 | $87.0M | $57.1M |
| Q4 25 | $189.3M | $938.4M | ||
| Q3 25 | $197.5M | $788.8M | ||
| Q2 25 | $201.2M | $761.8M | ||
| Q1 25 | $216.4M | $741.4M | ||
| Q4 24 | $196.5M | $713.4M | ||
| Q3 24 | $202.1M | $719.9M | ||
| Q2 24 | $205.3M | $674.6M | ||
| Q1 24 | $217.5M | $667.9M |
| Q4 25 | $495.5M | $8.7B | ||
| Q3 25 | $493.7M | $8.5B | ||
| Q2 25 | $483.7M | $8.4B | ||
| Q1 25 | $532.3M | $8.2B | ||
| Q4 24 | $499.7M | $8.1B | ||
| Q3 24 | $481.1M | $8.0B | ||
| Q2 24 | $477.2M | $7.9B | ||
| Q1 24 | $482.2M | $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 | $-4.9M | $38.9M |
| Free Cash FlowOCF − Capex | $-10.2M | $31.9M |
| FCF MarginFCF / Revenue | -6.8% | 16.4% |
| Capex IntensityCapex / Revenue | 3.5% | 3.6% |
| Cash ConversionOCF / Net Profit | — | 0.40× |
| TTM Free Cash FlowTrailing 4 quarters | $-13.6M | $105.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-4.9M | $38.9M | ||
| Q3 25 | $12.2M | $34.9M | ||
| Q2 25 | $-41.4M | $18.9M | ||
| Q1 25 | $44.0M | $22.2M | ||
| Q4 24 | $-4.2M | $95.0M | ||
| Q3 24 | $6.2M | $21.2M | ||
| Q2 24 | $-7.0M | $27.3M | ||
| Q1 24 | $56.3M | $23.2M |
| Q4 25 | $-10.2M | $31.9M | ||
| Q3 25 | $7.8M | $33.9M | ||
| Q2 25 | $-50.0M | $18.3M | ||
| Q1 25 | $38.7M | $20.9M | ||
| Q4 24 | $-6.6M | $88.8M | ||
| Q3 24 | $119.0K | $18.9M | ||
| Q2 24 | $-14.3M | $26.3M | ||
| Q1 24 | $49.5M | $21.9M |
| Q4 25 | -6.8% | 16.4% | ||
| Q3 25 | 4.9% | 38.8% | ||
| Q2 25 | -36.1% | 22.1% | ||
| Q1 25 | 16.0% | 25.5% | ||
| Q4 24 | -4.4% | 115.1% | ||
| Q3 24 | 0.1% | 24.7% | ||
| Q2 24 | -10.8% | 36.2% | ||
| Q1 24 | 19.8% | 30.0% |
| Q4 25 | 3.5% | 3.6% | ||
| Q3 25 | 2.7% | 1.1% | ||
| Q2 25 | 6.2% | 0.8% | ||
| Q1 25 | 2.2% | 1.7% | ||
| Q4 24 | 1.6% | 8.1% | ||
| Q3 24 | 3.9% | 2.9% | ||
| Q2 24 | 5.5% | 1.3% | ||
| Q1 24 | 2.7% | 1.9% |
| Q4 25 | — | 0.40× | ||
| Q3 25 | — | 1.47× | ||
| Q2 25 | — | 0.88× | ||
| Q1 25 | 1.25× | 1.13× | ||
| Q4 24 | — | 4.82× | ||
| Q3 24 | — | 1.14× | ||
| Q2 24 | — | 1.74× | ||
| Q1 24 | 1.82× | 1.38× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
LOVE
| Showrooms | $102.7M | 68% |
| Internet | $37.3M | 25% |
| Other | $10.2M | 7% |
TMP
Segment breakdown not available.
