vs
Side-by-side financial comparison of TOMPKINS FINANCIAL CORP (TMP) and Terreno Realty Corp (TRNO). Click either name above to swap in a different company.
TOMPKINS FINANCIAL CORP is the larger business by last-quarter revenue ($194.8M vs $137.5M, roughly 1.4× Terreno Realty Corp). Terreno Realty Corp runs the higher net margin — 115.1% vs 49.4%, a 65.7% gap on every dollar of revenue. On growth, TOMPKINS FINANCIAL CORP posted the faster year-over-year revenue change (152.7% vs 32.6%). Over the past eight quarters, TOMPKINS FINANCIAL CORP's revenue compounded faster (63.6% CAGR vs 27.2%).
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.
Terreno Realty Corp is a publicly traded real estate investment trust that specializes in owning, operating, and acquiring high-quality industrial real estate assets. Its portfolio mainly includes distribution warehouses and logistics facilities located in high-demand coastal U.S. metropolitan markets, serving tenants across e-commerce, last-mile delivery, retail supply chain, and light manufacturing segments.
TMP vs TRNO — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $194.8M | $137.5M |
| Net Profit | $96.2M | $158.2M |
| Gross Margin | — | — |
| Operating Margin | 71.7% | — |
| Net Margin | 49.4% | 115.1% |
| Revenue YoY | 152.7% | 32.6% |
| Net Profit YoY | 388.9% | 107.9% |
| EPS (diluted) | $6.72 | $1.54 |
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 | $137.5M | ||
| Q3 25 | $87.4M | $116.2M | ||
| Q2 25 | $82.6M | $112.2M | ||
| Q1 25 | $81.7M | $110.4M | ||
| Q4 24 | $77.1M | $103.7M | ||
| Q3 24 | $76.6M | $99.6M | ||
| Q2 24 | $72.7M | $94.2M | ||
| Q1 24 | $72.8M | $85.0M |
| Q4 25 | $96.2M | $158.2M | ||
| Q3 25 | $23.7M | $103.4M | ||
| Q2 25 | $21.5M | $93.3M | ||
| Q1 25 | $19.7M | $48.1M | ||
| Q4 24 | $19.7M | $76.1M | ||
| Q3 24 | $18.6M | $36.6M | ||
| Q2 24 | $15.7M | $35.7M | ||
| Q1 24 | $16.9M | $36.1M |
| Q4 25 | 71.7% | — | ||
| Q3 25 | 35.6% | — | ||
| Q2 25 | 34.2% | — | ||
| Q1 25 | 31.6% | — | ||
| Q4 24 | 33.4% | — | ||
| Q3 24 | 32.0% | — | ||
| Q2 24 | 28.3% | — | ||
| Q1 24 | 30.4% | — |
| Q4 25 | 49.4% | 115.1% | ||
| Q3 25 | 27.1% | 88.9% | ||
| Q2 25 | 26.0% | 83.1% | ||
| Q1 25 | 24.1% | 43.6% | ||
| Q4 24 | 25.5% | 73.4% | ||
| Q3 24 | 24.3% | 36.8% | ||
| Q2 24 | 21.6% | 37.9% | ||
| Q1 24 | 23.2% | 42.4% |
| Q4 25 | $6.72 | $1.54 | ||
| Q3 25 | $1.65 | $1.00 | ||
| Q2 25 | $1.50 | $0.90 | ||
| Q1 25 | $1.37 | $0.47 | ||
| Q4 24 | $1.39 | $0.78 | ||
| Q3 24 | $1.30 | $0.37 | ||
| Q2 24 | $1.10 | $0.37 | ||
| Q1 24 | $1.18 | $0.40 |
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 | $25.0M |
| Total DebtLower is stronger | — | $943.3M |
| Stockholders' EquityBook value | $938.4M | $4.1B |
| Total Assets | $8.7B | $5.4B |
| Debt / EquityLower = less leverage | — | 0.23× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $132.8M | $25.0M | ||
| Q3 25 | $193.5M | $26.2M | ||
| Q2 25 | $212.6M | $128.4M | ||
| Q1 25 | $193.1M | $156.5M | ||
| Q4 24 | $134.4M | $18.1M | ||
| Q3 24 | $132.3M | $243.7M | ||
| Q2 24 | $70.9M | $182.0M | ||
| Q1 24 | $57.1M | $649.6M |
| Q4 25 | — | $943.3M | ||
| Q3 25 | — | $1.0B | ||
| Q2 25 | — | $742.4M | ||
| Q1 25 | — | $741.9M | ||
| Q4 24 | — | $823.4M | ||
| Q3 24 | — | $672.2M | ||
| Q2 24 | — | $772.0M | ||
| Q1 24 | — | $771.8M |
| Q4 25 | $938.4M | $4.1B | ||
| Q3 25 | $788.8M | $4.0B | ||
| Q2 25 | $761.8M | $3.9B | ||
| Q1 25 | $741.4M | $3.9B | ||
| Q4 24 | $713.4M | $3.7B | ||
| Q3 24 | $719.9M | $3.6B | ||
| Q2 24 | $674.6M | $3.4B | ||
| Q1 24 | $667.9M | $3.4B |
| Q4 25 | $8.7B | $5.4B | ||
| Q3 25 | $8.5B | $5.3B | ||
| Q2 25 | $8.4B | $5.0B | ||
| Q1 25 | $8.2B | $4.9B | ||
| Q4 24 | $8.1B | $4.8B | ||
| Q3 24 | $8.0B | $4.6B | ||
| Q2 24 | $7.9B | $4.5B | ||
| Q1 24 | $7.8B | $4.4B |
| Q4 25 | — | 0.23× | ||
| Q3 25 | — | 0.26× | ||
| Q2 25 | — | 0.19× | ||
| Q1 25 | — | 0.19× | ||
| Q4 24 | — | 0.22× | ||
| Q3 24 | — | 0.19× | ||
| Q2 24 | — | 0.22× | ||
| Q1 24 | — | 0.22× |
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 | $271.9M |
| Free Cash FlowOCF − Capex | $31.9M | — |
| FCF MarginFCF / Revenue | 16.4% | — |
| Capex IntensityCapex / Revenue | 3.6% | — |
| Cash ConversionOCF / Net Profit | 0.40× | 1.72× |
| TTM Free Cash FlowTrailing 4 quarters | $105.0M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $38.9M | $271.9M | ||
| Q3 25 | $34.9M | $79.5M | ||
| Q2 25 | $18.9M | $60.6M | ||
| Q1 25 | $22.2M | $61.4M | ||
| Q4 24 | $95.0M | $232.7M | ||
| Q3 24 | $21.2M | $70.0M | ||
| Q2 24 | $27.3M | $64.3M | ||
| Q1 24 | $23.2M | $47.0M |
| Q4 25 | $31.9M | — | ||
| Q3 25 | $33.9M | — | ||
| Q2 25 | $18.3M | — | ||
| Q1 25 | $20.9M | — | ||
| Q4 24 | $88.8M | — | ||
| Q3 24 | $18.9M | — | ||
| Q2 24 | $26.3M | — | ||
| Q1 24 | $21.9M | — |
| Q4 25 | 16.4% | — | ||
| Q3 25 | 38.8% | — | ||
| Q2 25 | 22.1% | — | ||
| Q1 25 | 25.5% | — | ||
| Q4 24 | 115.1% | — | ||
| Q3 24 | 24.7% | — | ||
| Q2 24 | 36.2% | — | ||
| Q1 24 | 30.0% | — |
| Q4 25 | 3.6% | — | ||
| Q3 25 | 1.1% | — | ||
| Q2 25 | 0.8% | — | ||
| Q1 25 | 1.7% | — | ||
| Q4 24 | 8.1% | — | ||
| Q3 24 | 2.9% | — | ||
| Q2 24 | 1.3% | — | ||
| Q1 24 | 1.9% | — |
| Q4 25 | 0.40× | 1.72× | ||
| Q3 25 | 1.47× | 0.77× | ||
| Q2 25 | 0.88× | 0.65× | ||
| Q1 25 | 1.13× | 1.28× | ||
| Q4 24 | 4.82× | 3.06× | ||
| Q3 24 | 1.14× | 1.91× | ||
| Q2 24 | 1.74× | 1.80× | ||
| Q1 24 | 1.38× | 1.30× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
TMP
Segment breakdown not available.
TRNO
| Disposal Group Disposed Of By Sale Not Discontinued Operations | $109.5M | 80% |
| Other | $23.8M | 17% |
| At Market Equity Offering Program500Million | $4.1M | 3% |
