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Side-by-side financial comparison of Natural Grocers by Vitamin Cottage, Inc. (NGVC) and TOMPKINS FINANCIAL CORP (TMP). Click either name above to swap in a different company.
Natural Grocers by Vitamin Cottage, Inc. is the larger business by last-quarter revenue ($335.6M vs $194.8M, roughly 1.7× TOMPKINS FINANCIAL CORP). TOMPKINS FINANCIAL CORP runs the higher net margin — 49.4% vs 3.4%, a 46.0% gap on every dollar of revenue. On growth, TOMPKINS FINANCIAL CORP posted the faster year-over-year revenue change (152.7% vs 1.6%). TOMPKINS FINANCIAL CORP produced more free cash flow last quarter ($31.9M vs $11.6M). Over the past eight quarters, TOMPKINS FINANCIAL CORP's revenue compounded faster (63.6% CAGR vs 4.4%).
Natural Grocers by Vitamin Cottage, Inc. is a U.S.-based specialty retail chain that offers certified organic groceries, dietary supplements, natural personal care items, and eco-friendly household products. It serves health-conscious consumers across multiple U.S. states, following strict quality standards that exclude artificial preservatives, colors, flavors and harmful additives.
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.
NGVC vs TMP — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $335.6M | $194.8M |
| Net Profit | $11.3M | $96.2M |
| Gross Margin | 29.5% | — |
| Operating Margin | 4.4% | 71.7% |
| Net Margin | 3.4% | 49.4% |
| Revenue YoY | 1.6% | 152.7% |
| Net Profit YoY | 14.0% | 388.9% |
| EPS (diluted) | $0.49 | $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 | $335.6M | $194.8M | ||
| Q3 25 | $336.1M | $87.4M | ||
| Q2 25 | $328.7M | $82.6M | ||
| Q1 25 | $335.8M | $81.7M | ||
| Q4 24 | $330.2M | $77.1M | ||
| Q3 24 | $322.7M | $76.6M | ||
| Q2 24 | $309.1M | $72.7M | ||
| Q1 24 | $308.1M | $72.8M |
| Q4 25 | $11.3M | $96.2M | ||
| Q3 25 | $11.8M | $23.7M | ||
| Q2 25 | $11.6M | $21.5M | ||
| Q1 25 | $13.1M | $19.7M | ||
| Q4 24 | $9.9M | $19.7M | ||
| Q3 24 | $9.0M | $18.6M | ||
| Q2 24 | $9.2M | $15.7M | ||
| Q1 24 | $8.0M | $16.9M |
| Q4 25 | 29.5% | — | ||
| Q3 25 | 29.5% | — | ||
| Q2 25 | 29.9% | — | ||
| Q1 25 | 30.3% | — | ||
| Q4 24 | 29.9% | — | ||
| Q3 24 | 29.6% | — | ||
| Q2 24 | 29.2% | — | ||
| Q1 24 | 29.3% | — |
| Q4 25 | 4.4% | 71.7% | ||
| Q3 25 | 4.6% | 35.6% | ||
| Q2 25 | 4.7% | 34.2% | ||
| Q1 25 | 5.2% | 31.6% | ||
| Q4 24 | 4.0% | 33.4% | ||
| Q3 24 | 3.7% | 32.0% | ||
| Q2 24 | 4.2% | 28.3% | ||
| Q1 24 | 3.7% | 30.4% |
| Q4 25 | 3.4% | 49.4% | ||
| Q3 25 | 3.5% | 27.1% | ||
| Q2 25 | 3.5% | 26.0% | ||
| Q1 25 | 3.9% | 24.1% | ||
| Q4 24 | 3.0% | 25.5% | ||
| Q3 24 | 2.8% | 24.3% | ||
| Q2 24 | 3.0% | 21.6% | ||
| Q1 24 | 2.6% | 23.2% |
| Q4 25 | $0.49 | $6.72 | ||
| Q3 25 | $0.51 | $1.65 | ||
| Q2 25 | $0.50 | $1.50 | ||
| Q1 25 | $0.56 | $1.37 | ||
| Q4 24 | $0.43 | $1.39 | ||
| Q3 24 | $0.38 | $1.30 | ||
| Q2 24 | $0.40 | $1.10 | ||
| Q1 24 | $0.35 | $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 | $23.2M | $132.8M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $220.0M | $938.4M |
| Total Assets | $668.6M | $8.7B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $23.2M | $132.8M | ||
| Q3 25 | $17.1M | $193.5M | ||
| Q2 25 | $13.2M | $212.6M | ||
| Q1 25 | $21.2M | $193.1M | ||
| Q4 24 | $6.3M | $134.4M | ||
| Q3 24 | $8.9M | $132.3M | ||
| Q2 24 | $13.9M | $70.9M | ||
| Q1 24 | $11.0M | $57.1M |
| Q4 25 | $220.0M | $938.4M | ||
| Q3 25 | $212.4M | $788.8M | ||
| Q2 25 | $202.5M | $761.8M | ||
| Q1 25 | $193.0M | $741.4M | ||
| Q4 24 | $181.9M | $713.4M | ||
| Q3 24 | $174.3M | $719.9M | ||
| Q2 24 | $167.8M | $674.6M | ||
| Q1 24 | $160.0M | $667.9M |
| Q4 25 | $668.6M | $8.7B | ||
| Q3 25 | $670.5M | $8.5B | ||
| Q2 25 | $659.0M | $8.4B | ||
| Q1 25 | $664.6M | $8.2B | ||
| Q4 24 | $648.9M | $8.1B | ||
| Q3 24 | $655.5M | $8.0B | ||
| Q2 24 | $654.4M | $7.9B | ||
| Q1 24 | $656.6M | $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 | $21.1M | $38.9M |
| Free Cash FlowOCF − Capex | $11.6M | $31.9M |
| FCF MarginFCF / Revenue | 3.4% | 16.4% |
| Capex IntensityCapex / Revenue | 2.9% | 3.6% |
| Cash ConversionOCF / Net Profit | 1.86× | 0.40× |
| TTM Free Cash FlowTrailing 4 quarters | $42.6M | $105.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $21.1M | $38.9M | ||
| Q3 25 | $15.6M | $34.9M | ||
| Q2 25 | $2.9M | $18.9M | ||
| Q1 25 | $34.1M | $22.2M | ||
| Q4 24 | $2.7M | $95.0M | ||
| Q3 24 | $24.5M | $21.2M | ||
| Q2 24 | $12.4M | $27.3M | ||
| Q1 24 | $20.2M | $23.2M |
| Q4 25 | $11.6M | $31.9M | ||
| Q3 25 | $7.5M | $33.9M | ||
| Q2 25 | $-4.2M | $18.3M | ||
| Q1 25 | $27.6M | $20.9M | ||
| Q4 24 | $-6.9M | $88.8M | ||
| Q3 24 | $18.0M | $18.9M | ||
| Q2 24 | $3.6M | $26.3M | ||
| Q1 24 | $9.8M | $21.9M |
| Q4 25 | 3.4% | 16.4% | ||
| Q3 25 | 2.2% | 38.8% | ||
| Q2 25 | -1.3% | 22.1% | ||
| Q1 25 | 8.2% | 25.5% | ||
| Q4 24 | -2.1% | 115.1% | ||
| Q3 24 | 5.6% | 24.7% | ||
| Q2 24 | 1.2% | 36.2% | ||
| Q1 24 | 3.2% | 30.0% |
| Q4 25 | 2.9% | 3.6% | ||
| Q3 25 | 2.4% | 1.1% | ||
| Q2 25 | 2.2% | 0.8% | ||
| Q1 25 | 1.9% | 1.7% | ||
| Q4 24 | 2.9% | 8.1% | ||
| Q3 24 | 2.0% | 2.9% | ||
| Q2 24 | 2.9% | 1.3% | ||
| Q1 24 | 3.4% | 1.9% |
| Q4 25 | 1.86× | 0.40× | ||
| Q3 25 | 1.32× | 1.47× | ||
| Q2 25 | 0.25× | 0.88× | ||
| Q1 25 | 2.60× | 1.13× | ||
| Q4 24 | 0.27× | 4.82× | ||
| Q3 24 | 2.72× | 1.14× | ||
| Q2 24 | 1.35× | 1.74× | ||
| Q1 24 | 2.54× | 1.38× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
NGVC
| Grocery | $243.8M | 73% |
| Dietary Supplements | $60.7M | 18% |
| Manufactured Product Other | $31.0M | 9% |
TMP
Segment breakdown not available.
