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Side-by-side financial comparison of Millrose Properties, Inc. (MRP) 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 $189.5M, roughly 1.0× Millrose Properties, Inc.). Millrose Properties, Inc. runs the higher net margin — 64.5% vs 49.4%, a 15.1% gap on every dollar of revenue.
Millrose Properties, Inc. is a U.S.-based real estate enterprise primarily focused on the acquisition, ownership, operation, and management of income-generating multi-family residential assets. Its core markets span the U.S. Mid-Atlantic and Southeast regions, and it also offers professional property management services to select third-party property owners.
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.
MRP vs TMP — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $189.5M | $194.8M |
| Net Profit | $122.2M | $96.2M |
| Gross Margin | — | — |
| Operating Margin | 84.8% | 71.7% |
| Net Margin | 64.5% | 49.4% |
| Revenue YoY | — | 152.7% |
| Net Profit YoY | 285.8% | 388.9% |
| EPS (diluted) | $0.74 | $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 | $189.5M | $194.8M | ||
| Q3 25 | $179.3M | $87.4M | ||
| Q2 25 | $149.0M | $82.6M | ||
| Q1 25 | $82.7M | $81.7M | ||
| Q4 24 | — | $77.1M | ||
| Q3 24 | — | $76.6M | ||
| Q2 24 | — | $72.7M | ||
| Q1 24 | — | $72.8M |
| Q4 25 | $122.2M | $96.2M | ||
| Q3 25 | $105.1M | $23.7M | ||
| Q2 25 | $112.8M | $21.5M | ||
| Q1 25 | $39.8M | $19.7M | ||
| Q4 24 | — | $19.7M | ||
| Q3 24 | — | $18.6M | ||
| Q2 24 | — | $15.7M | ||
| Q1 24 | — | $16.9M |
| Q4 25 | 84.8% | 71.7% | ||
| Q3 25 | 85.3% | 35.6% | ||
| Q2 25 | 85.1% | 34.2% | ||
| Q1 25 | 55.2% | 31.6% | ||
| Q4 24 | — | 33.4% | ||
| Q3 24 | — | 32.0% | ||
| Q2 24 | — | 28.3% | ||
| Q1 24 | — | 30.4% |
| Q4 25 | 64.5% | 49.4% | ||
| Q3 25 | 58.6% | 27.1% | ||
| Q2 25 | 75.7% | 26.0% | ||
| Q1 25 | 48.1% | 24.1% | ||
| Q4 24 | — | 25.5% | ||
| Q3 24 | — | 24.3% | ||
| Q2 24 | — | 21.6% | ||
| Q1 24 | — | 23.2% |
| Q4 25 | $0.74 | $6.72 | ||
| Q3 25 | $0.63 | $1.65 | ||
| Q2 25 | $0.68 | $1.50 | ||
| Q1 25 | $0.39 | $1.37 | ||
| Q4 24 | — | $1.39 | ||
| Q3 24 | — | $1.30 | ||
| Q2 24 | — | $1.10 | ||
| Q1 24 | — | $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 | $35.0M | $132.8M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $5.9B | $938.4M |
| Total Assets | $9.3B | $8.7B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $35.0M | $132.8M | ||
| Q3 25 | $242.6M | $193.5M | ||
| Q2 25 | $66.6M | $212.6M | ||
| Q1 25 | $89.5M | $193.1M | ||
| Q4 24 | — | $134.4M | ||
| Q3 24 | — | $132.3M | ||
| Q2 24 | — | $70.9M | ||
| Q1 24 | — | $57.1M |
| Q4 25 | $5.9B | $938.4M | ||
| Q3 25 | $5.9B | $788.8M | ||
| Q2 25 | $5.9B | $761.8M | ||
| Q1 25 | $5.9B | $741.4M | ||
| Q4 24 | — | $713.4M | ||
| Q3 24 | — | $719.9M | ||
| Q2 24 | — | $674.6M | ||
| Q1 24 | — | $667.9M |
| Q4 25 | $9.3B | $8.7B | ||
| Q3 25 | $9.0B | $8.5B | ||
| Q2 25 | $8.0B | $8.4B | ||
| Q1 25 | $7.2B | $8.2B | ||
| Q4 24 | — | $8.1B | ||
| Q3 24 | — | $8.0B | ||
| Q2 24 | — | $7.9B | ||
| Q1 24 | — | $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 | $3.7B | $38.9M |
| Free Cash FlowOCF − Capex | — | $31.9M |
| FCF MarginFCF / Revenue | — | 16.4% |
| Capex IntensityCapex / Revenue | — | 3.6% |
| Cash ConversionOCF / Net Profit | 30.05× | 0.40× |
| TTM Free Cash FlowTrailing 4 quarters | — | $105.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $3.7B | $38.9M | ||
| Q3 25 | $123.1M | $34.9M | ||
| Q2 25 | $109.1M | $18.9M | ||
| Q1 25 | $21.3M | $22.2M | ||
| Q4 24 | — | $95.0M | ||
| Q3 24 | — | $21.2M | ||
| Q2 24 | — | $27.3M | ||
| Q1 24 | — | $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 | 30.05× | 0.40× | ||
| Q3 25 | 1.17× | 1.47× | ||
| Q2 25 | 0.97× | 0.88× | ||
| Q1 25 | 0.53× | 1.13× | ||
| Q4 24 | — | 4.82× | ||
| Q3 24 | — | 1.14× | ||
| Q2 24 | — | 1.74× | ||
| Q1 24 | — | 1.38× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
