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Side-by-side financial comparison of OFG BANCORP (OFG) 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 $184.3M, roughly 1.1× OFG BANCORP). TOMPKINS FINANCIAL CORP runs the higher net margin — 49.4% vs 30.3%, a 19.1% gap on every dollar of revenue. On growth, TOMPKINS FINANCIAL CORP posted the faster year-over-year revenue change (152.7% vs 0.9%). OFG BANCORP produced more free cash flow last quarter ($199.3M vs $31.9M). Over the past eight quarters, TOMPKINS FINANCIAL CORP's revenue compounded faster (63.6% CAGR vs 2.8%).
OFG Bancorp, founded in 1964, is the financial holding company for Oriental Bank, located in San Juan, Puerto Rico. OFG offers a wide range of retail and commercial banking, lending and wealth management products, services and technology, primarily in Puerto Rico and the U.S. Virgin Islands through its principal subsidiaries: Oriental Bank, Oriental Financial Services LLC, and Oriental Insurance LLC. Its headquarters are located at Oriental Center, 254 Muñoz Rivera Avenue, San Juan, PR 00918....
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.
OFG vs TMP — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $184.3M | $194.8M |
| Net Profit | $55.9M | $96.2M |
| Gross Margin | — | — |
| Operating Margin | 25.7% | 71.7% |
| Net Margin | 30.3% | 49.4% |
| Revenue YoY | 0.9% | 152.7% |
| Net Profit YoY | 11.0% | 388.9% |
| EPS (diluted) | $1.27 | $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 | $184.3M | $194.8M | ||
| Q3 25 | $186.2M | $87.4M | ||
| Q2 25 | $182.4M | $82.6M | ||
| Q1 25 | $178.6M | $81.7M | ||
| Q4 24 | $182.7M | $77.1M | ||
| Q3 24 | $174.7M | $76.6M | ||
| Q2 24 | $179.8M | $72.7M | ||
| Q1 24 | $174.4M | $72.8M |
| Q4 25 | $55.9M | $96.2M | ||
| Q3 25 | $51.8M | $23.7M | ||
| Q2 25 | $51.8M | $21.5M | ||
| Q1 25 | $45.6M | $19.7M | ||
| Q4 24 | $50.3M | $19.7M | ||
| Q3 24 | $47.0M | $18.6M | ||
| Q2 24 | $51.1M | $15.7M | ||
| Q1 24 | $49.7M | $16.9M |
| Q4 25 | 25.7% | 71.7% | ||
| Q3 25 | 33.0% | 35.6% | ||
| Q2 25 | 36.1% | 34.2% | ||
| Q1 25 | 33.3% | 31.6% | ||
| Q4 24 | 28.9% | 33.4% | ||
| Q3 24 | 35.4% | 32.0% | ||
| Q2 24 | 39.6% | 28.3% | ||
| Q1 24 | 38.9% | 30.4% |
| Q4 25 | 30.3% | 49.4% | ||
| Q3 25 | 27.8% | 27.1% | ||
| Q2 25 | 28.4% | 26.0% | ||
| Q1 25 | 25.5% | 24.1% | ||
| Q4 24 | 27.6% | 25.5% | ||
| Q3 24 | 26.9% | 24.3% | ||
| Q2 24 | 28.4% | 21.6% | ||
| Q1 24 | 28.5% | 23.2% |
| Q4 25 | $1.27 | $6.72 | ||
| Q3 25 | $1.16 | $1.65 | ||
| Q2 25 | $1.15 | $1.50 | ||
| Q1 25 | $1.00 | $1.37 | ||
| Q4 24 | $1.10 | $1.39 | ||
| Q3 24 | $1.00 | $1.30 | ||
| Q2 24 | $1.08 | $1.10 | ||
| Q1 24 | $1.05 | $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 | $1.0B | $132.8M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $1.4B | $938.4M |
| Total Assets | $12.5B | $8.7B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.0B | $132.8M | ||
| Q3 25 | $740.3M | $193.5M | ||
| Q2 25 | $851.8M | $212.6M | ||
| Q1 25 | $710.6M | $193.1M | ||
| Q4 24 | $591.1M | $134.4M | ||
| Q3 24 | $680.6M | $132.3M | ||
| Q2 24 | $740.4M | $70.9M | ||
| Q1 24 | $754.4M | $57.1M |
| Q4 25 | $1.4B | $938.4M | ||
| Q3 25 | $1.4B | $788.8M | ||
| Q2 25 | $1.3B | $761.8M | ||
| Q1 25 | $1.3B | $741.4M | ||
| Q4 24 | $1.3B | $713.4M | ||
| Q3 24 | $1.3B | $719.9M | ||
| Q2 24 | $1.2B | $674.6M | ||
| Q1 24 | $1.2B | $667.9M |
| Q4 25 | $12.5B | $8.7B | ||
| Q3 25 | $12.2B | $8.5B | ||
| Q2 25 | $12.2B | $8.4B | ||
| Q1 25 | $11.7B | $8.2B | ||
| Q4 24 | $11.5B | $8.1B | ||
| Q3 24 | $11.5B | $8.0B | ||
| Q2 24 | $11.3B | $7.9B | ||
| Q1 24 | $11.2B | $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 | $217.7M | $38.9M |
| Free Cash FlowOCF − Capex | $199.3M | $31.9M |
| FCF MarginFCF / Revenue | 108.1% | 16.4% |
| Capex IntensityCapex / Revenue | 10.0% | 3.6% |
| Cash ConversionOCF / Net Profit | 3.90× | 0.40× |
| TTM Free Cash FlowTrailing 4 quarters | $345.4M | $105.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $217.7M | $38.9M | ||
| Q3 25 | $39.5M | $34.9M | ||
| Q2 25 | $35.9M | $18.9M | ||
| Q1 25 | $83.1M | $22.2M | ||
| Q4 24 | $252.5M | $95.0M | ||
| Q3 24 | $58.1M | $21.2M | ||
| Q2 24 | $95.1M | $27.3M | ||
| Q1 24 | $61.0M | $23.2M |
| Q4 25 | $199.3M | $31.9M | ||
| Q3 25 | $35.5M | $33.9M | ||
| Q2 25 | $31.8M | $18.3M | ||
| Q1 25 | $78.7M | $20.9M | ||
| Q4 24 | $231.2M | $88.8M | ||
| Q3 24 | $51.8M | $18.9M | ||
| Q2 24 | $90.4M | $26.3M | ||
| Q1 24 | $54.8M | $21.9M |
| Q4 25 | 108.1% | 16.4% | ||
| Q3 25 | 19.1% | 38.8% | ||
| Q2 25 | 17.4% | 22.1% | ||
| Q1 25 | 44.1% | 25.5% | ||
| Q4 24 | 126.5% | 115.1% | ||
| Q3 24 | 29.6% | 24.7% | ||
| Q2 24 | 50.3% | 36.2% | ||
| Q1 24 | 31.4% | 30.0% |
| Q4 25 | 10.0% | 3.6% | ||
| Q3 25 | 2.1% | 1.1% | ||
| Q2 25 | 2.3% | 0.8% | ||
| Q1 25 | 2.4% | 1.7% | ||
| Q4 24 | 11.7% | 8.1% | ||
| Q3 24 | 3.6% | 2.9% | ||
| Q2 24 | 2.6% | 1.3% | ||
| Q1 24 | 3.5% | 1.9% |
| Q4 25 | 3.90× | 0.40× | ||
| Q3 25 | 0.76× | 1.47× | ||
| Q2 25 | 0.69× | 0.88× | ||
| Q1 25 | 1.82× | 1.13× | ||
| Q4 24 | 5.02× | 4.82× | ||
| Q3 24 | 1.24× | 1.14× | ||
| Q2 24 | 1.86× | 1.74× | ||
| Q1 24 | 1.23× | 1.38× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
