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Side-by-side financial comparison of MONRO, INC. (MNRO) and TOMPKINS FINANCIAL CORP (TMP). Click either name above to swap in a different company.
MONRO, INC. is the larger business by last-quarter revenue ($293.4M vs $194.8M, roughly 1.5× TOMPKINS FINANCIAL CORP). TOMPKINS FINANCIAL CORP runs the higher net margin — 49.4% vs 3.8%, a 45.6% gap on every dollar of revenue. On growth, TOMPKINS FINANCIAL CORP posted the faster year-over-year revenue change (152.7% vs -4.0%). TOMPKINS FINANCIAL CORP produced more free cash flow last quarter ($31.9M vs $9.1M). Over the past eight quarters, TOMPKINS FINANCIAL CORP's revenue compounded faster (63.6% CAGR vs -2.7%).
Monro, Inc. is an automotive services company founded and headquartered in Rochester, New York, U.S. As of 2025, Monro has 1,260 locations making them the second-largest automotive services company in North America after Driven Brands by number of locations and by revenue.
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.
MNRO vs TMP — Head-to-Head
Income Statement — Q3 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $293.4M | $194.8M |
| Net Profit | $11.1M | $96.2M |
| Gross Margin | 34.9% | — |
| Operating Margin | 6.3% | 71.7% |
| Net Margin | 3.8% | 49.4% |
| Revenue YoY | -4.0% | 152.7% |
| Net Profit YoY | 143.1% | 388.9% |
| EPS (diluted) | $0.35 | $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 | $293.4M | $194.8M | ||
| Q3 25 | $288.9M | $87.4M | ||
| Q2 25 | $301.0M | $82.6M | ||
| Q1 25 | $295.0M | $81.7M | ||
| Q4 24 | $305.8M | $77.1M | ||
| Q3 24 | $301.4M | $76.6M | ||
| Q2 24 | $293.2M | $72.7M | ||
| Q1 24 | $310.1M | $72.8M |
| Q4 25 | $11.1M | $96.2M | ||
| Q3 25 | $5.7M | $23.7M | ||
| Q2 25 | $-8.1M | $21.5M | ||
| Q1 25 | $-21.3M | $19.7M | ||
| Q4 24 | $4.6M | $19.7M | ||
| Q3 24 | $5.6M | $18.6M | ||
| Q2 24 | $5.9M | $15.7M | ||
| Q1 24 | $3.7M | $16.9M |
| Q4 25 | 34.9% | — | ||
| Q3 25 | 35.7% | — | ||
| Q2 25 | 35.5% | — | ||
| Q1 25 | 33.0% | — | ||
| Q4 24 | 34.3% | — | ||
| Q3 24 | 35.3% | — | ||
| Q2 24 | 37.2% | — | ||
| Q1 24 | 35.5% | — |
| Q4 25 | 6.3% | 71.7% | ||
| Q3 25 | 4.4% | 35.6% | ||
| Q2 25 | -2.0% | 34.2% | ||
| Q1 25 | -8.1% | 31.6% | ||
| Q4 24 | 3.3% | 33.4% | ||
| Q3 24 | 4.4% | 32.0% | ||
| Q2 24 | 4.5% | 28.3% | ||
| Q1 24 | 3.3% | 30.4% |
| Q4 25 | 3.8% | 49.4% | ||
| Q3 25 | 2.0% | 27.1% | ||
| Q2 25 | -2.7% | 26.0% | ||
| Q1 25 | -7.2% | 24.1% | ||
| Q4 24 | 1.5% | 25.5% | ||
| Q3 24 | 1.9% | 24.3% | ||
| Q2 24 | 2.0% | 21.6% | ||
| Q1 24 | 1.2% | 23.2% |
| Q4 25 | $0.35 | $6.72 | ||
| Q3 25 | $0.18 | $1.65 | ||
| Q2 25 | $-0.28 | $1.50 | ||
| Q1 25 | $-0.74 | $1.37 | ||
| Q4 24 | $0.15 | $1.39 | ||
| Q3 24 | $0.18 | $1.30 | ||
| Q2 24 | $0.19 | $1.10 | ||
| Q1 24 | $0.12 | $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 | $4.9M | $132.8M |
| Total DebtLower is stronger | $45.0M | — |
| Stockholders' EquityBook value | $604.9M | $938.4M |
| Total Assets | $1.6B | $8.7B |
| Debt / EquityLower = less leverage | 0.07× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $4.9M | $132.8M | ||
| Q3 25 | $10.5M | $193.5M | ||
| Q2 25 | $7.8M | $212.6M | ||
| Q1 25 | $20.8M | $193.1M | ||
| Q4 24 | $10.2M | $134.4M | ||
| Q3 24 | $20.9M | $132.3M | ||
| Q2 24 | $18.7M | $70.9M | ||
| Q1 24 | $6.6M | $57.1M |
| Q4 25 | $45.0M | — | ||
| Q3 25 | $60.0M | — | ||
| Q2 25 | $71.5M | — | ||
| Q1 25 | $61.3M | — | ||
| Q4 24 | $59.3M | — | ||
| Q3 24 | $62.0M | — | ||
| Q2 24 | $112.0M | — | ||
| Q1 24 | $102.0M | — |
| Q4 25 | $604.9M | $938.4M | ||
| Q3 25 | $601.7M | $788.8M | ||
| Q2 25 | $604.9M | $761.8M | ||
| Q1 25 | $620.8M | $741.4M | ||
| Q4 24 | $648.9M | $713.4M | ||
| Q3 24 | $651.9M | $719.9M | ||
| Q2 24 | $654.4M | $674.6M | ||
| Q1 24 | $656.8M | $667.9M |
| Q4 25 | $1.6B | $8.7B | ||
| Q3 25 | $1.6B | $8.5B | ||
| Q2 25 | $1.6B | $8.4B | ||
| Q1 25 | $1.6B | $8.2B | ||
| Q4 24 | $1.7B | $8.1B | ||
| Q3 24 | $1.7B | $8.0B | ||
| Q2 24 | $1.7B | $7.9B | ||
| Q1 24 | $1.7B | $7.8B |
| Q4 25 | 0.07× | — | ||
| Q3 25 | 0.10× | — | ||
| Q2 25 | 0.12× | — | ||
| Q1 25 | 0.10× | — | ||
| Q4 24 | 0.09× | — | ||
| Q3 24 | 0.10× | — | ||
| Q2 24 | 0.17× | — | ||
| Q1 24 | 0.16× | — |
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 | $17.8M | $38.9M |
| Free Cash FlowOCF − Capex | $9.1M | $31.9M |
| FCF MarginFCF / Revenue | 3.1% | 16.4% |
| Capex IntensityCapex / Revenue | 3.0% | 3.6% |
| Cash ConversionOCF / Net Profit | 1.60× | 0.40× |
| TTM Free Cash FlowTrailing 4 quarters | $49.6M | $105.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $17.8M | $38.9M | ||
| Q3 25 | $32.3M | $34.9M | ||
| Q2 25 | $-1.9M | $18.9M | ||
| Q1 25 | $28.9M | $22.2M | ||
| Q4 24 | $14.8M | $95.0M | ||
| Q3 24 | $62.6M | $21.2M | ||
| Q2 24 | $25.6M | $27.3M | ||
| Q1 24 | $-5.3M | $23.2M |
| Q4 25 | $9.1M | $31.9M | ||
| Q3 25 | $26.6M | $33.9M | ||
| Q2 25 | $-9.3M | $18.3M | ||
| Q1 25 | $23.2M | $20.9M | ||
| Q4 24 | $7.9M | $88.8M | ||
| Q3 24 | $57.6M | $18.9M | ||
| Q2 24 | $16.8M | $26.3M | ||
| Q1 24 | $-11.9M | $21.9M |
| Q4 25 | 3.1% | 16.4% | ||
| Q3 25 | 9.2% | 38.8% | ||
| Q2 25 | -3.1% | 22.1% | ||
| Q1 25 | 7.9% | 25.5% | ||
| Q4 24 | 2.6% | 115.1% | ||
| Q3 24 | 19.1% | 24.7% | ||
| Q2 24 | 5.7% | 36.2% | ||
| Q1 24 | -3.8% | 30.0% |
| Q4 25 | 3.0% | 3.6% | ||
| Q3 25 | 2.0% | 1.1% | ||
| Q2 25 | 2.5% | 0.8% | ||
| Q1 25 | 1.9% | 1.7% | ||
| Q4 24 | 2.2% | 8.1% | ||
| Q3 24 | 1.6% | 2.9% | ||
| Q2 24 | 3.0% | 1.3% | ||
| Q1 24 | 2.1% | 1.9% |
| Q4 25 | 1.60× | 0.40× | ||
| Q3 25 | 5.71× | 1.47× | ||
| Q2 25 | — | 0.88× | ||
| Q1 25 | — | 1.13× | ||
| Q4 24 | 3.23× | 4.82× | ||
| Q3 24 | 11.08× | 1.14× | ||
| Q2 24 | 4.37× | 1.74× | ||
| Q1 24 | -1.42× | 1.38× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
MNRO
| Tires | $150.2M | 51% |
| Maintenance | $73.5M | 25% |
| Brakes | $35.1M | 12% |
| Steering | $24.9M | 8% |
| Batteries | $6.2M | 2% |
| Exhaust | $3.2M | 1% |
TMP
Segment breakdown not available.
