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Side-by-side financial comparison of ONESPAWORLD HOLDINGS Ltd (OSW) and TOMPKINS FINANCIAL CORP (TMP). Click either name above to swap in a different company.
ONESPAWORLD HOLDINGS Ltd is the larger business by last-quarter revenue ($242.1M vs $194.8M, roughly 1.2× TOMPKINS FINANCIAL CORP). TOMPKINS FINANCIAL CORP runs the higher net margin — 49.4% vs 5.0%, a 44.4% gap on every dollar of revenue. On growth, TOMPKINS FINANCIAL CORP posted the faster year-over-year revenue change (152.7% vs 11.5%). TOMPKINS FINANCIAL CORP produced more free cash flow last quarter ($31.9M vs $14.9M). Over the past eight quarters, TOMPKINS FINANCIAL CORP's revenue compounded faster (63.6% CAGR vs 7.1%).
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.
OSW vs TMP — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $242.1M | $194.8M |
| Net Profit | $12.1M | $96.2M |
| Gross Margin | — | — |
| Operating Margin | 6.8% | 71.7% |
| Net Margin | 5.0% | 49.4% |
| Revenue YoY | 11.5% | 152.7% |
| Net Profit YoY | -16.2% | 388.9% |
| EPS (diluted) | $0.12 | $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 | $242.1M | $194.8M | ||
| Q3 25 | $258.5M | $87.4M | ||
| Q2 25 | $240.7M | $82.6M | ||
| Q1 25 | $219.6M | $81.7M | ||
| Q4 24 | $217.2M | $77.1M | ||
| Q3 24 | $241.7M | $76.6M | ||
| Q2 24 | $224.9M | $72.7M | ||
| Q1 24 | $211.2M | $72.8M |
| Q4 25 | $12.1M | $96.2M | ||
| Q3 25 | $24.3M | $23.7M | ||
| Q2 25 | $19.9M | $21.5M | ||
| Q1 25 | $15.3M | $19.7M | ||
| Q4 24 | $14.4M | $19.7M | ||
| Q3 24 | $21.6M | $18.6M | ||
| Q2 24 | $15.8M | $15.7M | ||
| Q1 24 | $21.2M | $16.9M |
| Q4 25 | 6.8% | 71.7% | ||
| Q3 25 | 10.2% | 35.6% | ||
| Q2 25 | 9.2% | 34.2% | ||
| Q1 25 | 7.7% | 31.6% | ||
| Q4 24 | 7.9% | 33.4% | ||
| Q3 24 | 10.3% | 32.0% | ||
| Q2 24 | 8.4% | 28.3% | ||
| Q1 24 | 8.0% | 30.4% |
| Q4 25 | 5.0% | 49.4% | ||
| Q3 25 | 9.4% | 27.1% | ||
| Q2 25 | 8.3% | 26.0% | ||
| Q1 25 | 7.0% | 24.1% | ||
| Q4 24 | 6.6% | 25.5% | ||
| Q3 24 | 8.9% | 24.3% | ||
| Q2 24 | 7.0% | 21.6% | ||
| Q1 24 | 10.0% | 23.2% |
| Q4 25 | $0.12 | $6.72 | ||
| Q3 25 | $0.23 | $1.65 | ||
| Q2 25 | $0.19 | $1.50 | ||
| Q1 25 | $0.15 | $1.37 | ||
| Q4 24 | $0.13 | $1.39 | ||
| Q3 24 | $0.20 | $1.30 | ||
| Q2 24 | $0.15 | $1.10 | ||
| Q1 24 | $0.21 | $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 | $16.3M | $132.8M |
| Total DebtLower is stronger | $84.0M | — |
| Stockholders' EquityBook value | $542.6M | $938.4M |
| Total Assets | $707.1M | $8.7B |
| Debt / EquityLower = less leverage | 0.15× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $16.3M | $132.8M | ||
| Q3 25 | $29.6M | $193.5M | ||
| Q2 25 | $35.0M | $212.6M | ||
| Q1 25 | $22.6M | $193.1M | ||
| Q4 24 | $57.4M | $134.4M | ||
| Q3 24 | $48.8M | $132.3M | ||
| Q2 24 | $62.5M | $70.9M | ||
| Q1 24 | $65.4M | $57.1M |
| Q4 25 | $84.0M | — | ||
| Q3 25 | $85.2M | — | ||
| Q2 25 | $96.2M | — | ||
| Q1 25 | $97.4M | — | ||
| Q4 24 | $98.6M | — | ||
| Q3 24 | $98.7M | — | ||
| Q2 24 | $123.8M | — | ||
| Q1 24 | $138.6M | — |
| Q4 25 | $542.6M | $938.4M | ||
| Q3 25 | $552.8M | $788.8M | ||
| Q2 25 | $548.3M | $761.8M | ||
| Q1 25 | $530.6M | $741.4M | ||
| Q4 24 | $554.5M | $713.4M | ||
| Q3 24 | $540.1M | $719.9M | ||
| Q2 24 | $532.7M | $674.6M | ||
| Q1 24 | $515.5M | $667.9M |
| Q4 25 | $707.1M | $8.7B | ||
| Q3 25 | $732.6M | $8.5B | ||
| Q2 25 | $731.8M | $8.4B | ||
| Q1 25 | $708.7M | $8.2B | ||
| Q4 24 | $746.4M | $8.1B | ||
| Q3 24 | $734.0M | $8.0B | ||
| Q2 24 | $756.8M | $7.9B | ||
| Q1 24 | $763.6M | $7.8B |
| Q4 25 | 0.15× | — | ||
| Q3 25 | 0.15× | — | ||
| Q2 25 | 0.18× | — | ||
| Q1 25 | 0.18× | — | ||
| Q4 24 | 0.18× | — | ||
| Q3 24 | 0.18× | — | ||
| Q2 24 | 0.23× | — | ||
| Q1 24 | 0.27× | — |
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 | $20.0M | $38.9M |
| Free Cash FlowOCF − Capex | $14.9M | $31.9M |
| FCF MarginFCF / Revenue | 6.2% | 16.4% |
| Capex IntensityCapex / Revenue | 2.1% | 3.6% |
| Cash ConversionOCF / Net Profit | 1.65× | 0.40× |
| TTM Free Cash FlowTrailing 4 quarters | $68.4M | $105.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $20.0M | $38.9M | ||
| Q3 25 | $33.2M | $34.9M | ||
| Q2 25 | $20.3M | $18.9M | ||
| Q1 25 | $10.1M | $22.2M | ||
| Q4 24 | $16.6M | $95.0M | ||
| Q3 24 | $28.6M | $21.2M | ||
| Q2 24 | $18.7M | $27.3M | ||
| Q1 24 | $15.0M | $23.2M |
| Q4 25 | $14.9M | $31.9M | ||
| Q3 25 | $27.6M | $33.9M | ||
| Q2 25 | $17.6M | $18.3M | ||
| Q1 25 | $8.4M | $20.9M | ||
| Q4 24 | $13.2M | $88.8M | ||
| Q3 24 | $27.5M | $18.9M | ||
| Q2 24 | $17.6M | $26.3M | ||
| Q1 24 | $13.7M | $21.9M |
| Q4 25 | 6.2% | 16.4% | ||
| Q3 25 | 10.7% | 38.8% | ||
| Q2 25 | 7.3% | 22.1% | ||
| Q1 25 | 3.8% | 25.5% | ||
| Q4 24 | 6.1% | 115.1% | ||
| Q3 24 | 11.4% | 24.7% | ||
| Q2 24 | 7.8% | 36.2% | ||
| Q1 24 | 6.5% | 30.0% |
| Q4 25 | 2.1% | 3.6% | ||
| Q3 25 | 2.2% | 1.1% | ||
| Q2 25 | 1.1% | 0.8% | ||
| Q1 25 | 0.8% | 1.7% | ||
| Q4 24 | 1.5% | 8.1% | ||
| Q3 24 | 0.5% | 2.9% | ||
| Q2 24 | 0.5% | 1.3% | ||
| Q1 24 | 0.6% | 1.9% |
| Q4 25 | 1.65× | 0.40× | ||
| Q3 25 | 1.36× | 1.47× | ||
| Q2 25 | 1.02× | 0.88× | ||
| Q1 25 | 0.66× | 1.13× | ||
| Q4 24 | 1.15× | 4.82× | ||
| Q3 24 | 1.33× | 1.14× | ||
| Q2 24 | 1.19× | 1.74× | ||
| Q1 24 | 0.71× | 1.38× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
OSW
| Services | $197.3M | 82% |
| Products | $44.8M | 18% |
TMP
Segment breakdown not available.
