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Side-by-side financial comparison of CPI Card Group Inc. (PMTS) 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 $153.1M, roughly 1.3× CPI Card Group Inc.). TOMPKINS FINANCIAL CORP runs the higher net margin — 49.4% vs 4.8%, a 44.6% gap on every dollar of revenue. On growth, TOMPKINS FINANCIAL CORP posted the faster year-over-year revenue change (152.7% vs 22.3%). CPI Card Group Inc. produced more free cash flow last quarter ($35.2M vs $31.9M). Over the past eight quarters, TOMPKINS FINANCIAL CORP's revenue compounded faster (63.6% CAGR vs 16.9%).
CPI Card Group Inc. is a leading provider of payment card production and associated solutions, including contactless and contact credit/debit cards, prepaid cards, and card personalization services. It primarily serves financial institutions, fintech firms, and retail brands across its core North American market.
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.
PMTS vs TMP — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $153.1M | $194.8M |
| Net Profit | $7.3M | $96.2M |
| Gross Margin | 31.5% | — |
| Operating Margin | 12.0% | 71.7% |
| Net Margin | 4.8% | 49.4% |
| Revenue YoY | 22.3% | 152.7% |
| Net Profit YoY | 8.5% | 388.9% |
| EPS (diluted) | $0.62 | $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 | $153.1M | $194.8M | ||
| Q3 25 | $138.0M | $87.4M | ||
| Q2 25 | $129.8M | $82.6M | ||
| Q1 25 | $122.8M | $81.7M | ||
| Q4 24 | $125.1M | $77.1M | ||
| Q3 24 | $124.8M | $76.6M | ||
| Q2 24 | $118.8M | $72.7M | ||
| Q1 24 | $111.9M | $72.8M |
| Q4 25 | $7.3M | $96.2M | ||
| Q3 25 | $2.3M | $23.7M | ||
| Q2 25 | $518.0K | $21.5M | ||
| Q1 25 | $4.8M | $19.7M | ||
| Q4 24 | $6.8M | $19.7M | ||
| Q3 24 | $1.3M | $18.6M | ||
| Q2 24 | $6.0M | $15.7M | ||
| Q1 24 | $5.5M | $16.9M |
| Q4 25 | 31.5% | — | ||
| Q3 25 | 29.7% | — | ||
| Q2 25 | 30.9% | — | ||
| Q1 25 | 33.2% | — | ||
| Q4 24 | 34.1% | — | ||
| Q3 24 | 35.8% | — | ||
| Q2 24 | 35.7% | — | ||
| Q1 24 | 37.1% | — |
| Q4 25 | 12.0% | 71.7% | ||
| Q3 25 | 9.4% | 35.6% | ||
| Q2 25 | 7.3% | 34.2% | ||
| Q1 25 | 11.5% | 31.6% | ||
| Q4 24 | 12.7% | 33.4% | ||
| Q3 24 | 14.3% | 32.0% | ||
| Q2 24 | 12.5% | 28.3% | ||
| Q1 24 | 12.6% | 30.4% |
| Q4 25 | 4.8% | 49.4% | ||
| Q3 25 | 1.7% | 27.1% | ||
| Q2 25 | 0.4% | 26.0% | ||
| Q1 25 | 3.9% | 24.1% | ||
| Q4 24 | 5.4% | 25.5% | ||
| Q3 24 | 1.0% | 24.3% | ||
| Q2 24 | 5.1% | 21.6% | ||
| Q1 24 | 4.9% | 23.2% |
| Q4 25 | $0.62 | $6.72 | ||
| Q3 25 | $0.19 | $1.65 | ||
| Q2 25 | $0.04 | $1.50 | ||
| Q1 25 | $0.40 | $1.37 | ||
| Q4 24 | $0.56 | $1.39 | ||
| Q3 24 | $0.11 | $1.30 | ||
| Q2 24 | $0.51 | $1.10 | ||
| Q1 24 | $0.46 | $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 | $21.7M | $132.8M |
| Total DebtLower is stronger | $286.7M | — |
| Stockholders' EquityBook value | $-17.3M | $938.4M |
| Total Assets | $403.2M | $8.7B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $21.7M | $132.8M | ||
| Q3 25 | $16.0M | $193.5M | ||
| Q2 25 | $17.1M | $212.6M | ||
| Q1 25 | $31.5M | $193.1M | ||
| Q4 24 | $33.5M | $134.4M | ||
| Q3 24 | $14.7M | $132.3M | ||
| Q2 24 | $7.5M | $70.9M | ||
| Q1 24 | $17.1M | $57.1M |
| Q4 25 | $286.7M | — | ||
| Q3 25 | $308.4M | — | ||
| Q2 25 | $310.9M | — | ||
| Q1 25 | $280.7M | — | ||
| Q4 24 | $280.4M | — | ||
| Q3 24 | $280.2M | — | ||
| Q2 24 | $269.7M | — | ||
| Q1 24 | $265.3M | — |
| Q4 25 | $-17.3M | $938.4M | ||
| Q3 25 | $-25.7M | $788.8M | ||
| Q2 25 | $-29.0M | $761.8M | ||
| Q1 25 | $-29.7M | $741.4M | ||
| Q4 24 | $-35.6M | $713.4M | ||
| Q3 24 | $-42.8M | $719.9M | ||
| Q2 24 | $-44.6M | $674.6M | ||
| Q1 24 | $-48.5M | $667.9M |
| Q4 25 | $403.2M | $8.7B | ||
| Q3 25 | $407.1M | $8.5B | ||
| Q2 25 | $399.8M | $8.4B | ||
| Q1 25 | $351.9M | $8.2B | ||
| Q4 24 | $349.7M | $8.1B | ||
| Q3 24 | $342.3M | $8.0B | ||
| Q2 24 | $321.4M | $7.9B | ||
| Q1 24 | $319.8M | $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 | $39.6M | $38.9M |
| Free Cash FlowOCF − Capex | $35.2M | $31.9M |
| FCF MarginFCF / Revenue | 23.0% | 16.4% |
| Capex IntensityCapex / Revenue | 2.9% | 3.6% |
| Cash ConversionOCF / Net Profit | 5.39× | 0.40× |
| TTM Free Cash FlowTrailing 4 quarters | $41.3M | $105.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $39.6M | $38.9M | ||
| Q3 25 | $10.0M | $34.9M | ||
| Q2 25 | $4.3M | $18.9M | ||
| Q1 25 | $5.6M | $22.2M | ||
| Q4 24 | $26.7M | $95.0M | ||
| Q3 24 | $12.5M | $21.2M | ||
| Q2 24 | $-4.8M | $27.3M | ||
| Q1 24 | $8.9M | $23.2M |
| Q4 25 | $35.2M | $31.9M | ||
| Q3 25 | $5.3M | $33.9M | ||
| Q2 25 | $533.0K | $18.3M | ||
| Q1 25 | $292.0K | $20.9M | ||
| Q4 24 | $21.6M | $88.8M | ||
| Q3 24 | $11.1M | $18.9M | ||
| Q2 24 | $-6.0M | $26.3M | ||
| Q1 24 | $7.4M | $21.9M |
| Q4 25 | 23.0% | 16.4% | ||
| Q3 25 | 3.8% | 38.8% | ||
| Q2 25 | 0.4% | 22.1% | ||
| Q1 25 | 0.2% | 25.5% | ||
| Q4 24 | 17.3% | 115.1% | ||
| Q3 24 | 8.9% | 24.7% | ||
| Q2 24 | -5.0% | 36.2% | ||
| Q1 24 | 6.6% | 30.0% |
| Q4 25 | 2.9% | 3.6% | ||
| Q3 25 | 3.4% | 1.1% | ||
| Q2 25 | 2.9% | 0.8% | ||
| Q1 25 | 4.3% | 1.7% | ||
| Q4 24 | 4.0% | 8.1% | ||
| Q3 24 | 1.2% | 2.9% | ||
| Q2 24 | 1.0% | 1.3% | ||
| Q1 24 | 1.3% | 1.9% |
| Q4 25 | 5.39× | 0.40× | ||
| Q3 25 | 4.32× | 1.47× | ||
| Q2 25 | 8.39× | 0.88× | ||
| Q1 25 | 1.17× | 1.13× | ||
| Q4 24 | 3.94× | 4.82× | ||
| Q3 24 | 9.70× | 1.14× | ||
| Q2 24 | -0.79× | 1.74× | ||
| Q1 24 | 1.63× | 1.38× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
PMTS
| US Debit And Credit | $128.9M | 84% |
| US Prepaid Debit | $24.4M | 16% |
TMP
Segment breakdown not available.
