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Side-by-side financial comparison of TANDY LEATHER FACTORY INC (TLF) and Western New England Bancorp, Inc. (WNEB). Click either name above to swap in a different company.
TANDY LEATHER FACTORY INC is the larger business by last-quarter revenue ($22.3M vs $22.0M, roughly 1.0× Western New England Bancorp, Inc.). Western New England Bancorp, Inc. runs the higher net margin — 23.7% vs -4.2%, a 27.9% gap on every dollar of revenue. On growth, Western New England Bancorp, Inc. posted the faster year-over-year revenue change (18.8% vs 8.7%). Western New England Bancorp, Inc. produced more free cash flow last quarter ($17.1M vs $4.0M). Over the past eight quarters, Western New England Bancorp, Inc.'s revenue compounded faster (10.5% CAGR vs 7.4%).
Tandy Leather Factory, Inc. is an American specialty retailer and wholesale distributor of leather and leatherwork related products. It operates more than 100 stores worldwide. Originally part of the Tandy Corporation, Tandy Leather has gone through a series of acquisitions and mergers, eventually being sold to The Leather Factory in 2000. The Tandy Leather flagship store next to their corporate headquarters in Fort Worth, Texas also houses the Al and Ann Stohlman Leathercraft Museum.
The Bank of New England Corporation refers to a current online real estate bank based in New Hampshire and former regional banking institution based in Boston, Massachusetts, which was seized by the Federal Deposit Insurance Corporation (FDIC) in 1991 as a result of heavy losses in its loan portfolio and was placed into Chapter 7 liquidation. At the time, it was the 33rd largest bank in the United States, and its federal seizure bailout was the second-largest on record. At its peak, it had be...
TLF vs WNEB — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $22.3M | $22.0M |
| Net Profit | $-930.0K | $5.2M |
| Gross Margin | 54.3% | — |
| Operating Margin | -2.8% | 30.1% |
| Net Margin | -4.2% | 23.7% |
| Revenue YoY | 8.7% | 18.8% |
| Net Profit YoY | -379.3% | 58.4% |
| EPS (diluted) | $-0.18 | $0.25 |
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 | $22.3M | $22.0M | ||
| Q3 25 | $17.3M | $21.3M | ||
| Q2 25 | $17.8M | $21.1M | ||
| Q1 25 | $19.0M | $18.3M | ||
| Q4 24 | $20.5M | $18.5M | ||
| Q3 24 | $17.4M | $17.9M | ||
| Q2 24 | $17.3M | $18.3M | ||
| Q1 24 | $19.3M | $18.0M |
| Q4 25 | $-930.0K | $5.2M | ||
| Q3 25 | $-1.4M | $3.2M | ||
| Q2 25 | $-199.0K | $4.6M | ||
| Q1 25 | $11.6M | $2.3M | ||
| Q4 24 | $333.0K | $3.3M | ||
| Q3 24 | $-132.0K | $1.9M | ||
| Q2 24 | $101.0K | $3.5M | ||
| Q1 24 | $525.0K | $3.0M |
| Q4 25 | 54.3% | — | ||
| Q3 25 | 58.9% | — | ||
| Q2 25 | 59.5% | — | ||
| Q1 25 | 56.3% | — | ||
| Q4 24 | 53.0% | — | ||
| Q3 24 | 57.8% | — | ||
| Q2 24 | 58.0% | — | ||
| Q1 24 | 56.7% | — |
| Q4 25 | -2.8% | 30.1% | ||
| Q3 25 | -3.9% | 19.7% | ||
| Q2 25 | 0.4% | 28.6% | ||
| Q1 25 | 1.4% | 16.2% | ||
| Q4 24 | 0.9% | 23.5% | ||
| Q3 24 | -1.5% | 14.1% | ||
| Q2 24 | 0.4% | 23.4% | ||
| Q1 24 | 3.4% | 21.0% |
| Q4 25 | -4.2% | 23.7% | ||
| Q3 25 | -7.8% | 14.9% | ||
| Q2 25 | -1.1% | 21.8% | ||
| Q1 25 | 60.8% | 12.6% | ||
| Q4 24 | 1.6% | 17.7% | ||
| Q3 24 | -0.8% | 10.7% | ||
| Q2 24 | 0.6% | 19.2% | ||
| Q1 24 | 2.7% | 16.4% |
| Q4 25 | $-0.18 | $0.25 | ||
| Q3 25 | $-0.17 | $0.16 | ||
| Q2 25 | $-0.02 | $0.23 | ||
| Q1 25 | $1.47 | $0.11 | ||
| Q4 24 | $0.04 | $0.16 | ||
| Q3 24 | $-0.02 | $0.09 | ||
| Q2 24 | $0.01 | $0.17 | ||
| Q1 24 | $0.06 | $0.14 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $16.1M | — |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $52.6M | $247.6M |
| Total Assets | $86.6M | $2.7B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $16.1M | — | ||
| Q3 25 | $12.0M | — | ||
| Q2 25 | $16.4M | — | ||
| Q1 25 | $23.6M | — | ||
| Q4 24 | $13.3M | — | ||
| Q3 24 | $10.1M | — | ||
| Q2 24 | $11.5M | — | ||
| Q1 24 | $12.3M | — |
| Q4 25 | $52.6M | $247.6M | ||
| Q3 25 | $53.4M | $243.6M | ||
| Q2 25 | $56.1M | $239.4M | ||
| Q1 25 | $55.8M | $237.7M | ||
| Q4 24 | $57.2M | $235.9M | ||
| Q3 24 | $57.6M | $240.7M | ||
| Q2 24 | $57.5M | $236.5M | ||
| Q1 24 | $57.2M | $235.8M |
| Q4 25 | $86.6M | $2.7B | ||
| Q3 25 | $84.5M | $2.7B | ||
| Q2 25 | $76.5M | $2.7B | ||
| Q1 25 | $77.9M | $2.7B | ||
| Q4 24 | $74.9M | $2.7B | ||
| Q3 24 | $73.0M | $2.6B | ||
| Q2 24 | $72.8M | $2.6B | ||
| Q1 24 | $72.4M | $2.6B |
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 | $5.0M | $18.2M |
| Free Cash FlowOCF − Capex | $4.0M | $17.1M |
| FCF MarginFCF / Revenue | 18.1% | 77.9% |
| Capex IntensityCapex / Revenue | 4.3% | 4.9% |
| Cash ConversionOCF / Net Profit | — | 3.50× |
| TTM Free Cash FlowTrailing 4 quarters | $-8.1M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $5.0M | $18.2M | ||
| Q3 25 | $-1.0M | $5.6M | ||
| Q2 25 | $-4.0M | $6.8M | ||
| Q1 25 | $-536.0K | $-1.2M | ||
| Q4 24 | $4.5M | $12.2M | ||
| Q3 24 | $-535.0K | $3.0M | ||
| Q2 24 | $-514.0K | $2.0M | ||
| Q1 24 | $1.1M | $1.2M |
| Q4 25 | $4.0M | $17.1M | ||
| Q3 25 | $-3.0M | — | ||
| Q2 25 | $-7.3M | — | ||
| Q1 25 | $-1.9M | — | ||
| Q4 24 | $3.8M | $11.0M | ||
| Q3 24 | $-1.4M | — | ||
| Q2 24 | $-715.0K | — | ||
| Q1 24 | $-141.0K | — |
| Q4 25 | 18.1% | 77.9% | ||
| Q3 25 | -17.2% | — | ||
| Q2 25 | -41.0% | — | ||
| Q1 25 | -9.8% | — | ||
| Q4 24 | 18.8% | 59.2% | ||
| Q3 24 | -8.2% | — | ||
| Q2 24 | -4.1% | — | ||
| Q1 24 | -0.7% | — |
| Q4 25 | 4.3% | 4.9% | ||
| Q3 25 | 11.2% | — | ||
| Q2 25 | 18.7% | — | ||
| Q1 25 | 7.0% | — | ||
| Q4 24 | 3.3% | 6.5% | ||
| Q3 24 | 5.1% | — | ||
| Q2 24 | 1.2% | — | ||
| Q1 24 | 6.4% | — |
| Q4 25 | — | 3.50× | ||
| Q3 25 | — | 1.76× | ||
| Q2 25 | — | 1.49× | ||
| Q1 25 | -0.05× | -0.54× | ||
| Q4 24 | 13.55× | 3.70× | ||
| Q3 24 | — | 1.57× | ||
| Q2 24 | -5.09× | 0.56× | ||
| Q1 24 | 2.07× | 0.40× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
