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Side-by-side financial comparison of TOMPKINS FINANCIAL CORP (TMP) and TREX CO INC (TREX). Click either name above to swap in a different company.
TOMPKINS FINANCIAL CORP is the larger business by last-quarter revenue ($194.8M vs $161.1M, roughly 1.2× TREX CO INC). TOMPKINS FINANCIAL CORP runs the higher net margin — 49.4% vs 1.4%, a 48.0% gap on every dollar of revenue. On growth, TOMPKINS FINANCIAL CORP posted the faster year-over-year revenue change (152.7% vs -3.9%). TOMPKINS FINANCIAL CORP produced more free cash flow last quarter ($31.9M vs $22.1M). Over the past eight quarters, TOMPKINS FINANCIAL CORP's revenue compounded faster (63.6% CAGR vs -34.3%).
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.
Trex Company, Inc. is a manufacturer of wood-alternative composite decking, residential railing, and other outdoor items made from recycled materials. Its headquarters is in Winchester, Virginia.
TMP vs TREX — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $194.8M | $161.1M |
| Net Profit | $96.2M | $2.3M |
| Gross Margin | — | 30.2% |
| Operating Margin | 71.7% | 2.2% |
| Net Margin | 49.4% | 1.4% |
| Revenue YoY | 152.7% | -3.9% |
| Net Profit YoY | 388.9% | -76.4% |
| EPS (diluted) | $6.72 | $0.03 |
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 | $194.8M | $161.1M | ||
| Q3 25 | $87.4M | $285.3M | ||
| Q2 25 | $82.6M | $387.8M | ||
| Q1 25 | $81.7M | $340.0M | ||
| Q4 24 | $77.1M | $167.6M | ||
| Q3 24 | $76.6M | $233.7M | ||
| Q2 24 | $72.7M | $376.5M | ||
| Q1 24 | $72.8M | $373.6M |
| Q4 25 | $96.2M | $2.3M | ||
| Q3 25 | $23.7M | $51.8M | ||
| Q2 25 | $21.5M | $75.9M | ||
| Q1 25 | $19.7M | $60.4M | ||
| Q4 24 | $19.7M | $9.8M | ||
| Q3 24 | $18.6M | $40.6M | ||
| Q2 24 | $15.7M | $87.0M | ||
| Q1 24 | $16.9M | $89.1M |
| Q4 25 | — | 30.2% | ||
| Q3 25 | — | 40.5% | ||
| Q2 25 | — | 40.8% | ||
| Q1 25 | — | 40.5% | ||
| Q4 24 | — | 32.7% | ||
| Q3 24 | — | 39.9% | ||
| Q2 24 | — | 44.7% | ||
| Q1 24 | — | 45.4% |
| Q4 25 | 71.7% | 2.2% | ||
| Q3 25 | 35.6% | 24.7% | ||
| Q2 25 | 34.2% | 26.4% | ||
| Q1 25 | 31.6% | 24.0% | ||
| Q4 24 | 33.4% | 9.2% | ||
| Q3 24 | 32.0% | 23.2% | ||
| Q2 24 | 28.3% | 31.1% | ||
| Q1 24 | 30.4% | 31.9% |
| Q4 25 | 49.4% | 1.4% | ||
| Q3 25 | 27.1% | 18.1% | ||
| Q2 25 | 26.0% | 19.6% | ||
| Q1 25 | 24.1% | 17.8% | ||
| Q4 24 | 25.5% | 5.8% | ||
| Q3 24 | 24.3% | 17.4% | ||
| Q2 24 | 21.6% | 23.1% | ||
| Q1 24 | 23.2% | 23.8% |
| Q4 25 | $6.72 | $0.03 | ||
| Q3 25 | $1.65 | $0.48 | ||
| Q2 25 | $1.50 | $0.71 | ||
| Q1 25 | $1.37 | $0.56 | ||
| Q4 24 | $1.39 | $0.10 | ||
| Q3 24 | $1.30 | $0.37 | ||
| Q2 24 | $1.10 | $0.80 | ||
| Q1 24 | $1.18 | $0.82 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $132.8M | $3.8M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $938.4M | $1.0B |
| Total Assets | $8.7B | $1.5B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $132.8M | $3.8M | ||
| Q3 25 | $193.5M | $11.4M | ||
| Q2 25 | $212.6M | $5.5M | ||
| Q1 25 | $193.1M | $5.0M | ||
| Q4 24 | $134.4M | $1.3M | ||
| Q3 24 | $132.3M | $12.8M | ||
| Q2 24 | $70.9M | $1.2M | ||
| Q1 24 | $57.1M | $3.1M |
| Q4 25 | $938.4M | $1.0B | ||
| Q3 25 | $788.8M | $1.0B | ||
| Q2 25 | $761.8M | $989.3M | ||
| Q1 25 | $741.4M | $910.1M | ||
| Q4 24 | $713.4M | $850.1M | ||
| Q3 24 | $719.9M | $887.9M | ||
| Q2 24 | $674.6M | $894.9M | ||
| Q1 24 | $667.9M | $804.1M |
| Q4 25 | $8.7B | $1.5B | ||
| Q3 25 | $8.5B | $1.5B | ||
| Q2 25 | $8.4B | $1.5B | ||
| Q1 25 | $8.2B | $1.6B | ||
| Q4 24 | $8.1B | $1.3B | ||
| Q3 24 | $8.0B | $1.3B | ||
| Q2 24 | $7.9B | $1.3B | ||
| Q1 24 | $7.8B | $1.3B |
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 | $38.9M | $65.5M |
| Free Cash FlowOCF − Capex | $31.9M | $22.1M |
| FCF MarginFCF / Revenue | 16.4% | 13.7% |
| Capex IntensityCapex / Revenue | 3.6% | 26.9% |
| Cash ConversionOCF / Net Profit | 0.40× | 28.45× |
| TTM Free Cash FlowTrailing 4 quarters | $105.0M | $134.5M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $38.9M | $65.5M | ||
| Q3 25 | $34.9M | $196.9M | ||
| Q2 25 | $18.9M | $249.8M | ||
| Q1 25 | $22.2M | $-154.0M | ||
| Q4 24 | $95.0M | $-8.5M | ||
| Q3 24 | $21.2M | $132.8M | ||
| Q2 24 | $27.3M | $193.7M | ||
| Q1 24 | $23.2M | $-174.0M |
| Q4 25 | $31.9M | $22.1M | ||
| Q3 25 | $33.9M | $142.9M | ||
| Q2 25 | $18.3M | $203.0M | ||
| Q1 25 | $20.9M | $-233.5M | ||
| Q4 24 | $88.8M | $-89.3M | ||
| Q3 24 | $18.9M | $54.5M | ||
| Q2 24 | $26.3M | $158.2M | ||
| Q1 24 | $21.9M | $-211.8M |
| Q4 25 | 16.4% | 13.7% | ||
| Q3 25 | 38.8% | 50.1% | ||
| Q2 25 | 22.1% | 52.3% | ||
| Q1 25 | 25.5% | -68.7% | ||
| Q4 24 | 115.1% | -53.3% | ||
| Q3 24 | 24.7% | 23.3% | ||
| Q2 24 | 36.2% | 42.0% | ||
| Q1 24 | 30.0% | -56.7% |
| Q4 25 | 3.6% | 26.9% | ||
| Q3 25 | 1.1% | 18.9% | ||
| Q2 25 | 0.8% | 12.1% | ||
| Q1 25 | 1.7% | 23.4% | ||
| Q4 24 | 8.1% | 48.2% | ||
| Q3 24 | 2.9% | 33.5% | ||
| Q2 24 | 1.3% | 9.4% | ||
| Q1 24 | 1.9% | 10.1% |
| Q4 25 | 0.40× | 28.45× | ||
| Q3 25 | 1.47× | 3.80× | ||
| Q2 25 | 0.88× | 3.29× | ||
| Q1 25 | 1.13× | -2.55× | ||
| Q4 24 | 4.82× | -0.87× | ||
| Q3 24 | 1.14× | 3.27× | ||
| Q2 24 | 1.74× | 2.23× | ||
| Q1 24 | 1.38× | -1.95× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
