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Side-by-side financial comparison of TOMPKINS FINANCIAL CORP (TMP) and UNIFI INC (UFI). Click either name above to swap in a different company.
TOMPKINS FINANCIAL CORP is the larger business by last-quarter revenue ($194.8M vs $121.4M, roughly 1.6× UNIFI INC). TOMPKINS FINANCIAL CORP runs the higher net margin — 49.4% vs -8.0%, a 57.4% gap on every dollar of revenue. On growth, TOMPKINS FINANCIAL CORP posted the faster year-over-year revenue change (152.7% vs -12.6%). TOMPKINS FINANCIAL CORP produced more free cash flow last quarter ($31.9M vs $24.2M). Over the past eight quarters, TOMPKINS FINANCIAL CORP's revenue compounded faster (63.6% CAGR vs -9.7%).
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.
Unifi Aviation, LLC is the largest aviation ground handling services in North America. Unifi was formed late 2018, after Delta Air Lines sold a stake of its subsidiary, DAL Global Services, to Argenbright Holdings. Unifi is jointly owned by Argenbright, who owns 51% of the company and Delta, who owns 49%.
TMP vs UFI — Head-to-Head
Income Statement — Q4 FY2025 vs Q2 FY2026
| Metric | | |
|---|---|---|
| Revenue | $194.8M | $121.4M |
| Net Profit | $96.2M | $-9.7M |
| Gross Margin | — | 3.0% |
| Operating Margin | 71.7% | -6.0% |
| Net Margin | 49.4% | -8.0% |
| Revenue YoY | 152.7% | -12.6% |
| Net Profit YoY | 388.9% | 14.8% |
| EPS (diluted) | $6.72 | $-0.53 |
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 | $121.4M | ||
| Q3 25 | $87.4M | $135.7M | ||
| Q2 25 | $82.6M | $138.5M | ||
| Q1 25 | $81.7M | $146.6M | ||
| Q4 24 | $77.1M | $138.9M | ||
| Q3 24 | $76.6M | $147.4M | ||
| Q2 24 | $72.7M | $157.5M | ||
| Q1 24 | $72.8M | $149.0M |
| Q4 25 | $96.2M | $-9.7M | ||
| Q3 25 | $23.7M | $-11.4M | ||
| Q2 25 | $21.5M | $15.5M | ||
| Q1 25 | $19.7M | $-16.8M | ||
| Q4 24 | $19.7M | $-11.4M | ||
| Q3 24 | $18.6M | $-7.6M | ||
| Q2 24 | $15.7M | $-4.0M | ||
| Q1 24 | $16.9M | $-10.3M |
| Q4 25 | — | 3.0% | ||
| Q3 25 | — | 2.5% | ||
| Q2 25 | — | -0.8% | ||
| Q1 25 | — | -0.3% | ||
| Q4 24 | — | 0.4% | ||
| Q3 24 | — | 6.4% | ||
| Q2 24 | — | 6.9% | ||
| Q1 24 | — | 3.2% |
| Q4 25 | 71.7% | -6.0% | ||
| Q3 25 | 35.6% | -7.1% | ||
| Q2 25 | 34.2% | 10.9% | ||
| Q1 25 | 31.6% | -9.5% | ||
| Q4 24 | 33.4% | -5.4% | ||
| Q3 24 | 32.0% | -2.2% | ||
| Q2 24 | 28.3% | -0.5% | ||
| Q1 24 | 30.4% | -4.6% |
| Q4 25 | 49.4% | -8.0% | ||
| Q3 25 | 27.1% | -8.4% | ||
| Q2 25 | 26.0% | 11.2% | ||
| Q1 25 | 24.1% | -11.5% | ||
| Q4 24 | 25.5% | -8.2% | ||
| Q3 24 | 24.3% | -5.2% | ||
| Q2 24 | 21.6% | -2.5% | ||
| Q1 24 | 23.2% | -6.9% |
| Q4 25 | $6.72 | $-0.53 | ||
| Q3 25 | $1.65 | $-0.62 | ||
| Q2 25 | $1.50 | $0.85 | ||
| Q1 25 | $1.37 | $-0.92 | ||
| Q4 24 | $1.39 | $-0.62 | ||
| Q3 24 | $1.30 | $-0.42 | ||
| Q2 24 | $1.10 | $-0.21 | ||
| Q1 24 | $1.18 | $-0.57 |
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 | $30.2M |
| Total DebtLower is stronger | — | $92.6M |
| Stockholders' EquityBook value | $938.4M | $230.0M |
| Total Assets | $8.7B | $382.9M |
| Debt / EquityLower = less leverage | — | 0.40× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $132.8M | $30.2M | ||
| Q3 25 | $193.5M | $20.6M | ||
| Q2 25 | $212.6M | $22.7M | ||
| Q1 25 | $193.1M | $16.3M | ||
| Q4 24 | $134.4M | $18.7M | ||
| Q3 24 | $132.3M | $13.7M | ||
| Q2 24 | $70.9M | $26.8M | ||
| Q1 24 | $57.1M | $27.7M |
| Q4 25 | — | $92.6M | ||
| Q3 25 | — | $107.5M | ||
| Q2 25 | — | $95.7M | ||
| Q1 25 | — | $127.9M | ||
| Q4 24 | — | $123.0M | ||
| Q3 24 | — | $119.3M | ||
| Q2 24 | — | $117.8M | ||
| Q1 24 | — | $116.1M |
| Q4 25 | $938.4M | $230.0M | ||
| Q3 25 | $788.8M | $241.1M | ||
| Q2 25 | $761.8M | $249.5M | ||
| Q1 25 | $741.4M | $228.4M | ||
| Q4 24 | $713.4M | $237.2M | ||
| Q3 24 | $719.9M | $259.7M | ||
| Q2 24 | $674.6M | $263.4M | ||
| Q1 24 | $667.9M | $277.8M |
| Q4 25 | $8.7B | $382.9M | ||
| Q3 25 | $8.5B | $424.6M | ||
| Q2 25 | $8.4B | $426.9M | ||
| Q1 25 | $8.2B | $446.5M | ||
| Q4 24 | $8.1B | $439.7M | ||
| Q3 24 | $8.0B | $467.0M | ||
| Q2 24 | $7.9B | $469.2M | ||
| Q1 24 | $7.8B | $482.6M |
| Q4 25 | — | 0.40× | ||
| Q3 25 | — | 0.45× | ||
| Q2 25 | — | 0.38× | ||
| Q1 25 | — | 0.56× | ||
| Q4 24 | — | 0.52× | ||
| Q3 24 | — | 0.46× | ||
| Q2 24 | — | 0.45× | ||
| Q1 24 | — | 0.42× |
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 | $25.3M |
| Free Cash FlowOCF − Capex | $31.9M | $24.2M |
| FCF MarginFCF / Revenue | 16.4% | 20.0% |
| Capex IntensityCapex / Revenue | 3.6% | 0.9% |
| Cash ConversionOCF / Net Profit | 0.40× | — |
| TTM Free Cash FlowTrailing 4 quarters | $105.0M | $1.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $38.9M | $25.3M | ||
| Q3 25 | $34.9M | $-8.9M | ||
| Q2 25 | $18.9M | $-1.3M | ||
| Q1 25 | $22.2M | $-5.0M | ||
| Q4 24 | $95.0M | $-2.2M | ||
| Q3 24 | $21.2M | $-12.8M | ||
| Q2 24 | $27.3M | $932.0K | ||
| Q1 24 | $23.2M | $-1.4M |
| Q4 25 | $31.9M | $24.2M | ||
| Q3 25 | $33.9M | $-10.9M | ||
| Q2 25 | $18.3M | $-3.9M | ||
| Q1 25 | $20.9M | $-8.0M | ||
| Q4 24 | $88.8M | $-5.1M | ||
| Q3 24 | $18.9M | $-14.9M | ||
| Q2 24 | $26.3M | $-1.7M | ||
| Q1 24 | $21.9M | $-3.9M |
| Q4 25 | 16.4% | 20.0% | ||
| Q3 25 | 38.8% | -8.1% | ||
| Q2 25 | 22.1% | -2.8% | ||
| Q1 25 | 25.5% | -5.4% | ||
| Q4 24 | 115.1% | -3.7% | ||
| Q3 24 | 24.7% | -10.1% | ||
| Q2 24 | 36.2% | -1.1% | ||
| Q1 24 | 30.0% | -2.6% |
| Q4 25 | 3.6% | 0.9% | ||
| Q3 25 | 1.1% | 1.5% | ||
| Q2 25 | 0.8% | 1.9% | ||
| Q1 25 | 1.7% | 2.0% | ||
| Q4 24 | 8.1% | 2.1% | ||
| Q3 24 | 2.9% | 1.4% | ||
| Q2 24 | 1.3% | 1.7% | ||
| Q1 24 | 1.9% | 1.7% |
| Q4 25 | 0.40× | — | ||
| Q3 25 | 1.47× | — | ||
| Q2 25 | 0.88× | -0.09× | ||
| 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.
Revenue Breakdown by Segment
TMP
Segment breakdown not available.
UFI
| Other | $67.8M | 56% |
| REPREVE Fiber | $34.3M | 28% |
| Export Sales From US Operations | $10.5M | 9% |
| All Other Foreign Countries | $8.8M | 7% |
