vs
Side-by-side financial comparison of TOMPKINS FINANCIAL CORP (TMP) and TOWER SEMICONDUCTOR LTD (TSEM). Click either name above to swap in a different company.
TOWER SEMICONDUCTOR LTD is the larger business by last-quarter revenue ($351.2M vs $194.8M, roughly 1.8× TOMPKINS FINANCIAL CORP). TOMPKINS FINANCIAL CORP runs the higher net margin — 49.4% vs 15.2%, a 34.2% gap on every dollar of revenue. On growth, TOMPKINS FINANCIAL CORP posted the faster year-over-year revenue change (152.7% vs -1.7%).
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.
Tower Semiconductor Ltd. is an Israeli company that manufactures integrated circuits using specialty process technologies, including SiGe, BiCMOS, Silicon Photonics, SOI, mixed-signal and RFCMOS, CMOS image sensors, non-imaging sensors, power management (BCD), and non-volatile memory (NVM) as well as MEMS capabilities. Tower Semiconductor also owns 51% of TPSCo, an enterprise with Nuvoton Technology Corporation Japan (NTCJ).
TMP vs TSEM — Head-to-Head
Income Statement — Q4 FY2025 vs Q2 FY2024
| Metric | | |
|---|---|---|
| Revenue | $194.8M | $351.2M |
| Net Profit | $96.2M | $53.4M |
| Gross Margin | — | 24.8% |
| Operating Margin | 71.7% | 15.7% |
| Net Margin | 49.4% | 15.2% |
| Revenue YoY | 152.7% | -1.7% |
| Net Profit YoY | 388.9% | 4.4% |
| EPS (diluted) | $6.72 | $0.48 |
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 | — | ||
| Q3 25 | $87.4M | — | ||
| Q2 25 | $82.6M | — | ||
| Q1 25 | $81.7M | — | ||
| Q4 24 | $77.1M | — | ||
| Q3 24 | $76.6M | — | ||
| Q2 24 | $72.7M | $351.2M | ||
| Q1 24 | $72.8M | — |
| Q4 25 | $96.2M | — | ||
| Q3 25 | $23.7M | — | ||
| Q2 25 | $21.5M | — | ||
| Q1 25 | $19.7M | — | ||
| Q4 24 | $19.7M | — | ||
| Q3 24 | $18.6M | — | ||
| Q2 24 | $15.7M | $53.4M | ||
| Q1 24 | $16.9M | — |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 24.8% | ||
| Q1 24 | — | — |
| 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% | 15.7% | ||
| Q1 24 | 30.4% | — |
| Q4 25 | 49.4% | — | ||
| Q3 25 | 27.1% | — | ||
| Q2 25 | 26.0% | — | ||
| Q1 25 | 24.1% | — | ||
| Q4 24 | 25.5% | — | ||
| Q3 24 | 24.3% | — | ||
| Q2 24 | 21.6% | 15.2% | ||
| Q1 24 | 23.2% | — |
| Q4 25 | $6.72 | — | ||
| Q3 25 | $1.65 | — | ||
| Q2 25 | $1.50 | — | ||
| Q1 25 | $1.37 | — | ||
| Q4 24 | $1.39 | — | ||
| Q3 24 | $1.30 | — | ||
| Q2 24 | $1.10 | $0.48 | ||
| Q1 24 | $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 | $132.8M | $265.3M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $938.4M | $2.5B |
| Total Assets | $8.7B | $3.0B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $132.8M | — | ||
| Q3 25 | $193.5M | — | ||
| Q2 25 | $212.6M | — | ||
| Q1 25 | $193.1M | — | ||
| Q4 24 | $134.4M | — | ||
| Q3 24 | $132.3M | — | ||
| Q2 24 | $70.9M | $265.3M | ||
| Q1 24 | $57.1M | — |
| Q4 25 | $938.4M | — | ||
| Q3 25 | $788.8M | — | ||
| Q2 25 | $761.8M | — | ||
| Q1 25 | $741.4M | — | ||
| Q4 24 | $713.4M | — | ||
| Q3 24 | $719.9M | — | ||
| Q2 24 | $674.6M | $2.5B | ||
| Q1 24 | $667.9M | — |
| Q4 25 | $8.7B | — | ||
| Q3 25 | $8.5B | — | ||
| Q2 25 | $8.4B | — | ||
| Q1 25 | $8.2B | — | ||
| Q4 24 | $8.1B | — | ||
| Q3 24 | $8.0B | — | ||
| Q2 24 | $7.9B | $3.0B | ||
| Q1 24 | $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 | $38.9M | — |
| Free Cash FlowOCF − Capex | $31.9M | — |
| FCF MarginFCF / Revenue | 16.4% | — |
| Capex IntensityCapex / Revenue | 3.6% | — |
| Cash ConversionOCF / Net Profit | 0.40× | — |
| TTM Free Cash FlowTrailing 4 quarters | $105.0M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $38.9M | — | ||
| Q3 25 | $34.9M | — | ||
| Q2 25 | $18.9M | — | ||
| Q1 25 | $22.2M | — | ||
| Q4 24 | $95.0M | — | ||
| Q3 24 | $21.2M | — | ||
| Q2 24 | $27.3M | — | ||
| Q1 24 | $23.2M | — |
| 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× | — | ||
| Q3 25 | 1.47× | — | ||
| Q2 25 | 0.88× | — | ||
| Q1 25 | 1.13× | — | ||
| Q4 24 | 4.82× | — | ||
| Q3 24 | 1.14× | — | ||
| Q2 24 | 1.74× | — | ||
| Q1 24 | 1.38× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
