vs
Side-by-side financial comparison of TOMPKINS FINANCIAL CORP (TMP) and Wheels Up Experience Inc. (UP). Click either name above to swap in a different company.
TOMPKINS FINANCIAL CORP is the larger business by last-quarter revenue ($194.8M vs $183.8M, roughly 1.1× Wheels Up Experience Inc.). TOMPKINS FINANCIAL CORP runs the higher net margin — 49.4% vs -15.7%, a 65.1% gap on every dollar of revenue. On growth, TOMPKINS FINANCIAL CORP posted the faster year-over-year revenue change (152.7% vs -10.2%). TOMPKINS FINANCIAL CORP produced more free cash flow last quarter ($31.9M vs $-58.3M). Over the past eight quarters, TOMPKINS FINANCIAL CORP's revenue compounded faster (63.6% CAGR vs -3.4%).
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.
Wheels Up is a provider of "on demand" private aviation in the United States and one of the largest private aviation companies in the world. It was founded in 2013 by Kenny Dichter, using a membership/on-demand business model. Wheels Up members can book private aircraft from the company fleet and third-party operators using a mobile application.
TMP vs UP — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $194.8M | $183.8M |
| Net Profit | $96.2M | $-28.9M |
| Gross Margin | — | 14.3% |
| Operating Margin | 71.7% | -0.9% |
| Net Margin | 49.4% | -15.7% |
| Revenue YoY | 152.7% | -10.2% |
| Net Profit YoY | 388.9% | 67.0% |
| EPS (diluted) | $6.72 | $-0.04 |
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 | $183.8M | ||
| Q3 25 | $87.4M | $185.5M | ||
| Q2 25 | $82.6M | $189.6M | ||
| Q1 25 | $81.7M | $177.5M | ||
| Q4 24 | $77.1M | $204.8M | ||
| Q3 24 | $76.6M | $193.9M | ||
| Q2 24 | $72.7M | $196.3M | ||
| Q1 24 | $72.8M | $197.1M |
| Q4 25 | $96.2M | $-28.9M | ||
| Q3 25 | $23.7M | $-83.7M | ||
| Q2 25 | $21.5M | $-82.3M | ||
| Q1 25 | $19.7M | $-99.3M | ||
| Q4 24 | $19.7M | $-87.5M | ||
| Q3 24 | $18.6M | $-57.7M | ||
| Q2 24 | $15.7M | $-97.0M | ||
| Q1 24 | $16.9M | $-97.4M |
| Q4 25 | — | 14.3% | ||
| Q3 25 | — | 6.8% | ||
| Q2 25 | — | 8.3% | ||
| Q1 25 | — | 10.8% | ||
| Q4 24 | — | 13.9% | ||
| Q3 24 | — | 13.9% | ||
| Q2 24 | — | 2.3% | ||
| Q1 24 | — | -0.6% |
| Q4 25 | 71.7% | -0.9% | ||
| Q3 25 | 35.6% | -33.1% | ||
| Q2 25 | 34.2% | -31.4% | ||
| Q1 25 | 31.6% | -45.5% | ||
| Q4 24 | 33.4% | -26.0% | ||
| Q3 24 | 32.0% | -21.6% | ||
| Q2 24 | 28.3% | -40.3% | ||
| Q1 24 | 30.4% | -42.9% |
| Q4 25 | 49.4% | -15.7% | ||
| Q3 25 | 27.1% | -45.1% | ||
| Q2 25 | 26.0% | -43.4% | ||
| Q1 25 | 24.1% | -55.9% | ||
| Q4 24 | 25.5% | -42.7% | ||
| Q3 24 | 24.3% | -29.8% | ||
| Q2 24 | 21.6% | -49.4% | ||
| Q1 24 | 23.2% | -49.4% |
| Q4 25 | $6.72 | $-0.04 | ||
| Q3 25 | $1.65 | $-0.12 | ||
| Q2 25 | $1.50 | $-0.12 | ||
| Q1 25 | $1.37 | $-0.14 | ||
| Q4 24 | $1.39 | $-0.13 | ||
| Q3 24 | $1.30 | $-0.08 | ||
| Q2 24 | $1.10 | $-0.14 | ||
| Q1 24 | $1.18 | $-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 | $132.8M | $133.9M |
| Total DebtLower is stronger | — | $671.3M |
| Stockholders' EquityBook value | $938.4M | $-392.1M |
| Total Assets | $8.7B | $968.8M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $132.8M | $133.9M | ||
| Q3 25 | $193.5M | $125.3M | ||
| Q2 25 | $212.6M | $107.0M | ||
| Q1 25 | $193.1M | $171.8M | ||
| Q4 24 | $134.4M | $216.4M | ||
| Q3 24 | $132.3M | $115.9M | ||
| Q2 24 | $70.9M | $141.5M | ||
| Q1 24 | $57.1M | $180.9M |
| Q4 25 | — | $671.3M | ||
| Q3 25 | — | $766.5M | ||
| Q2 25 | — | $770.5M | ||
| Q1 25 | — | $765.8M | ||
| Q4 24 | — | $761.3M | ||
| Q3 24 | — | $596.9M | ||
| Q2 24 | — | $597.4M | ||
| Q1 24 | — | $603.2M |
| Q4 25 | $938.4M | $-392.1M | ||
| Q3 25 | $788.8M | $-374.5M | ||
| Q2 25 | $761.8M | $-347.8M | ||
| Q1 25 | $741.4M | $-288.1M | ||
| Q4 24 | $713.4M | $-202.1M | ||
| Q3 24 | $719.9M | $-117.7M | ||
| Q2 24 | $674.6M | $-72.2M | ||
| Q1 24 | $667.9M | $936.0K |
| Q4 25 | $8.7B | $968.8M | ||
| Q3 25 | $8.5B | $973.0M | ||
| Q2 25 | $8.4B | $1.0B | ||
| Q1 25 | $8.2B | $1.1B | ||
| Q4 24 | $8.1B | $1.2B | ||
| Q3 24 | $8.0B | $1.0B | ||
| Q2 24 | $7.9B | $1.1B | ||
| Q1 24 | $7.8B | $1.2B |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | 644.43× |
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 | $-18.4M |
| Free Cash FlowOCF − Capex | $31.9M | $-58.3M |
| FCF MarginFCF / Revenue | 16.4% | -31.7% |
| Capex IntensityCapex / Revenue | 3.6% | 21.7% |
| Cash ConversionOCF / Net Profit | 0.40× | — |
| TTM Free Cash FlowTrailing 4 quarters | $105.0M | $-259.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $38.9M | $-18.4M | ||
| Q3 25 | $34.9M | $-37.1M | ||
| Q2 25 | $18.9M | $-62.9M | ||
| Q1 25 | $22.2M | $-47.9M | ||
| Q4 24 | $95.0M | $37.9M | ||
| Q3 24 | $21.2M | $-16.9M | ||
| Q2 24 | $27.3M | $-25.2M | ||
| Q1 24 | $23.2M | $-73.8M |
| Q4 25 | $31.9M | $-58.3M | ||
| Q3 25 | $33.9M | $-60.4M | ||
| Q2 25 | $18.3M | $-78.6M | ||
| Q1 25 | $20.9M | $-62.6M | ||
| Q4 24 | $88.8M | $-70.2M | ||
| Q3 24 | $18.9M | $-21.9M | ||
| Q2 24 | $26.3M | $-30.8M | ||
| Q1 24 | $21.9M | $-77.8M |
| Q4 25 | 16.4% | -31.7% | ||
| Q3 25 | 38.8% | -32.6% | ||
| Q2 25 | 22.1% | -41.5% | ||
| Q1 25 | 25.5% | -35.3% | ||
| Q4 24 | 115.1% | -34.3% | ||
| Q3 24 | 24.7% | -11.3% | ||
| Q2 24 | 36.2% | -15.7% | ||
| Q1 24 | 30.0% | -39.5% |
| Q4 25 | 3.6% | 21.7% | ||
| Q3 25 | 1.1% | 12.5% | ||
| Q2 25 | 0.8% | 8.3% | ||
| Q1 25 | 1.7% | 8.3% | ||
| Q4 24 | 8.1% | 52.8% | ||
| Q3 24 | 2.9% | 2.6% | ||
| Q2 24 | 1.3% | 2.9% | ||
| Q1 24 | 1.9% | 2.0% |
| 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.
