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Side-by-side financial comparison of PAMT CORP (PAMT) 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 $141.3M, roughly 1.4× PAMT CORP). TOMPKINS FINANCIAL CORP runs the higher net margin — 49.4% vs -20.7%, a 70.1% gap on every dollar of revenue. On growth, TOMPKINS FINANCIAL CORP posted the faster year-over-year revenue change (152.7% vs -15.1%). TOMPKINS FINANCIAL CORP produced more free cash flow last quarter ($31.9M vs $-25.0M). Over the past eight quarters, TOMPKINS FINANCIAL CORP's revenue compounded faster (63.6% CAGR vs -12.0%).
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.
PAMT vs TMP — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $141.3M | $194.8M |
| Net Profit | $-29.3M | $96.2M |
| Gross Margin | — | — |
| Operating Margin | -27.0% | 71.7% |
| Net Margin | -20.7% | 49.4% |
| Revenue YoY | -15.1% | 152.7% |
| Net Profit YoY | 7.4% | 388.9% |
| EPS (diluted) | $-1.38 | $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 | $141.3M | $194.8M | ||
| Q3 25 | $150.3M | $87.4M | ||
| Q2 25 | $151.1M | $82.6M | ||
| Q1 25 | $155.3M | $81.7M | ||
| Q4 24 | $166.5M | $77.1M | ||
| Q3 24 | $182.6M | $76.6M | ||
| Q2 24 | $182.9M | $72.7M | ||
| Q1 24 | $182.6M | $72.8M |
| Q4 25 | $-29.3M | $96.2M | ||
| Q3 25 | $-5.6M | $23.7M | ||
| Q2 25 | $-9.6M | $21.5M | ||
| Q1 25 | $-8.1M | $19.7M | ||
| Q4 24 | $-31.6M | $19.7M | ||
| Q3 24 | $2.4M | $18.6M | ||
| Q2 24 | $-2.9M | $15.7M | ||
| Q1 24 | $281.0K | $16.9M |
| Q4 25 | -27.0% | 71.7% | ||
| Q3 25 | -3.8% | 35.6% | ||
| Q2 25 | -7.3% | 34.2% | ||
| Q1 25 | -5.9% | 31.6% | ||
| Q4 24 | -22.6% | 33.4% | ||
| Q3 24 | 1.3% | 32.0% | ||
| Q2 24 | -0.4% | 28.3% | ||
| Q1 24 | -0.4% | 30.4% |
| Q4 25 | -20.7% | 49.4% | ||
| Q3 25 | -3.7% | 27.1% | ||
| Q2 25 | -6.4% | 26.0% | ||
| Q1 25 | -5.2% | 24.1% | ||
| Q4 24 | -19.0% | 25.5% | ||
| Q3 24 | 1.3% | 24.3% | ||
| Q2 24 | -1.6% | 21.6% | ||
| Q1 24 | 0.2% | 23.2% |
| Q4 25 | $-1.38 | $6.72 | ||
| Q3 25 | $-0.27 | $1.65 | ||
| Q2 25 | $-0.46 | $1.50 | ||
| Q1 25 | $-0.37 | $1.37 | ||
| Q4 24 | $-1.44 | $1.39 | ||
| Q3 24 | $0.11 | $1.30 | ||
| Q2 24 | $-0.13 | $1.10 | ||
| Q1 24 | $0.01 | $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 | $83.7M | $132.8M |
| Total DebtLower is stronger | $333.9M | — |
| Stockholders' EquityBook value | $210.5M | $938.4M |
| Total Assets | $697.9M | $8.7B |
| Debt / EquityLower = less leverage | 1.59× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $83.7M | $132.8M | ||
| Q3 25 | $115.6M | $193.5M | ||
| Q2 25 | $117.3M | $212.6M | ||
| Q1 25 | $102.7M | $193.1M | ||
| Q4 24 | $110.7M | $134.4M | ||
| Q3 24 | $92.3M | $132.3M | ||
| Q2 24 | $114.0M | $70.9M | ||
| Q1 24 | $125.8M | $57.1M |
| Q4 25 | $333.9M | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $325.6M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $210.5M | $938.4M | ||
| Q3 25 | $239.5M | $788.8M | ||
| Q2 25 | $244.9M | $761.8M | ||
| Q1 25 | $269.6M | $741.4M | ||
| Q4 24 | $277.5M | $713.4M | ||
| Q3 24 | $308.9M | $719.9M | ||
| Q2 24 | $306.7M | $674.6M | ||
| Q1 24 | $314.6M | $667.9M |
| Q4 25 | $697.9M | $8.7B | ||
| Q3 25 | $715.2M | $8.5B | ||
| Q2 25 | $707.9M | $8.4B | ||
| Q1 25 | $712.6M | $8.2B | ||
| Q4 24 | $741.7M | $8.1B | ||
| Q3 24 | $756.7M | $8.0B | ||
| Q2 24 | $733.5M | $7.9B | ||
| Q1 24 | $746.4M | $7.8B |
| Q4 25 | 1.59× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 1.17× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $-5.8M | $38.9M |
| Free Cash FlowOCF − Capex | $-25.0M | $31.9M |
| FCF MarginFCF / Revenue | -17.7% | 16.4% |
| Capex IntensityCapex / Revenue | 13.6% | 3.6% |
| Cash ConversionOCF / Net Profit | — | 0.40× |
| TTM Free Cash FlowTrailing 4 quarters | $-23.4M | $105.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-5.8M | $38.9M | ||
| Q3 25 | $5.9M | $34.9M | ||
| Q2 25 | $12.2M | $18.9M | ||
| Q1 25 | $5.0M | $22.2M | ||
| Q4 24 | $15.2M | $95.0M | ||
| Q3 24 | $15.5M | $21.2M | ||
| Q2 24 | $18.7M | $27.3M | ||
| Q1 24 | $9.6M | $23.2M |
| Q4 25 | $-25.0M | $31.9M | ||
| Q3 25 | $2.5M | $33.9M | ||
| Q2 25 | $5.9M | $18.3M | ||
| Q1 25 | $-6.8M | $20.9M | ||
| Q4 24 | $-39.9M | $88.8M | ||
| Q3 24 | $-33.6M | $18.9M | ||
| Q2 24 | $4.1M | $26.3M | ||
| Q1 24 | $-12.2M | $21.9M |
| Q4 25 | -17.7% | 16.4% | ||
| Q3 25 | 1.7% | 38.8% | ||
| Q2 25 | 3.9% | 22.1% | ||
| Q1 25 | -4.4% | 25.5% | ||
| Q4 24 | -24.0% | 115.1% | ||
| Q3 24 | -18.4% | 24.7% | ||
| Q2 24 | 2.2% | 36.2% | ||
| Q1 24 | -6.7% | 30.0% |
| Q4 25 | 13.6% | 3.6% | ||
| Q3 25 | 2.3% | 1.1% | ||
| Q2 25 | 4.2% | 0.8% | ||
| Q1 25 | 7.6% | 1.7% | ||
| Q4 24 | 33.1% | 8.1% | ||
| Q3 24 | 26.9% | 2.9% | ||
| Q2 24 | 8.0% | 1.3% | ||
| Q1 24 | 12.0% | 1.9% |
| Q4 25 | — | 0.40× | ||
| Q3 25 | — | 1.47× | ||
| Q2 25 | — | 0.88× | ||
| Q1 25 | — | 1.13× | ||
| Q4 24 | — | 4.82× | ||
| Q3 24 | 6.44× | 1.14× | ||
| Q2 24 | — | 1.74× | ||
| Q1 24 | 34.11× | 1.38× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
PAMT
| Freight Transportation Service | $123.1M | 87% |
| Fuel Surcharge | $18.2M | 13% |
TMP
Segment breakdown not available.
