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Side-by-side financial comparison of TOMPKINS FINANCIAL CORP (TMP) and UPWORK, INC (UPWK). Click either name above to swap in a different company.
UPWORK, INC is the larger business by last-quarter revenue ($198.4M vs $194.8M, roughly 1.0× TOMPKINS FINANCIAL CORP). TOMPKINS FINANCIAL CORP runs the higher net margin — 49.4% vs 7.9%, a 41.5% gap on every dollar of revenue. On growth, TOMPKINS FINANCIAL CORP posted the faster year-over-year revenue change (152.7% vs 3.6%). UPWORK, INC produced more free cash flow last quarter ($63.2M vs $31.9M). Over the past eight quarters, TOMPKINS FINANCIAL CORP's revenue compounded faster (63.6% CAGR vs 1.9%).
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.
Upwork Inc. is an American freelancing platform headquartered in Santa Clara and San Francisco, California. The company was formed in 2013 as Elance-oDesk after the merger of Elance Inc. and oDesk Corp. The merged company was subsequently rebranded as Upwork in 2015.
TMP vs UPWK — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $194.8M | $198.4M |
| Net Profit | $96.2M | $15.6M |
| Gross Margin | — | 78.0% |
| Operating Margin | 71.7% | 14.3% |
| Net Margin | 49.4% | 7.9% |
| Revenue YoY | 152.7% | 3.6% |
| Net Profit YoY | 388.9% | -89.4% |
| EPS (diluted) | $6.72 | $0.12 |
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 | $198.4M | ||
| Q3 25 | $87.4M | $201.7M | ||
| Q2 25 | $82.6M | $194.9M | ||
| Q1 25 | $81.7M | $192.7M | ||
| Q4 24 | $77.1M | $191.5M | ||
| Q3 24 | $76.6M | $193.8M | ||
| Q2 24 | $72.7M | $193.1M | ||
| Q1 24 | $72.8M | $190.9M |
| Q4 25 | $96.2M | $15.6M | ||
| Q3 25 | $23.7M | $29.3M | ||
| Q2 25 | $21.5M | $32.7M | ||
| Q1 25 | $19.7M | $37.7M | ||
| Q4 24 | $19.7M | $147.2M | ||
| Q3 24 | $18.6M | $27.8M | ||
| Q2 24 | $15.7M | $22.2M | ||
| Q1 24 | $16.9M | $18.4M |
| Q4 25 | — | 78.0% | ||
| Q3 25 | — | 77.3% | ||
| Q2 25 | — | 77.7% | ||
| Q1 25 | — | 78.3% | ||
| Q4 24 | — | 77.7% | ||
| Q3 24 | — | 77.6% | ||
| Q2 24 | — | 77.3% | ||
| Q1 24 | — | 76.9% |
| Q4 25 | 71.7% | 14.3% | ||
| Q3 25 | 35.6% | 14.8% | ||
| Q2 25 | 34.2% | 16.7% | ||
| Q1 25 | 31.6% | 20.1% | ||
| Q4 24 | 33.4% | 7.1% | ||
| Q3 24 | 32.0% | 10.7% | ||
| Q2 24 | 28.3% | 9.2% | ||
| Q1 24 | 30.4% | 6.8% |
| Q4 25 | 49.4% | 7.9% | ||
| Q3 25 | 27.1% | 14.5% | ||
| Q2 25 | 26.0% | 16.8% | ||
| Q1 25 | 24.1% | 19.6% | ||
| Q4 24 | 25.5% | 76.9% | ||
| Q3 24 | 24.3% | 14.3% | ||
| Q2 24 | 21.6% | 11.5% | ||
| Q1 24 | 23.2% | 9.7% |
| Q4 25 | $6.72 | $0.12 | ||
| Q3 25 | $1.65 | $0.21 | ||
| Q2 25 | $1.50 | $0.24 | ||
| Q1 25 | $1.37 | $0.27 | ||
| Q4 24 | $1.39 | $1.02 | ||
| Q3 24 | $1.30 | $0.20 | ||
| Q2 24 | $1.10 | $0.17 | ||
| Q1 24 | $1.18 | $0.13 |
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 | $672.8M |
| Total DebtLower is stronger | — | $359.8M |
| Stockholders' EquityBook value | $938.4M | $630.3M |
| Total Assets | $8.7B | $1.3B |
| Debt / EquityLower = less leverage | — | 0.57× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $132.8M | $672.8M | ||
| Q3 25 | $193.5M | $643.1M | ||
| Q2 25 | $212.6M | $634.6M | ||
| Q1 25 | $193.1M | $622.1M | ||
| Q4 24 | $134.4M | $622.1M | ||
| Q3 24 | $132.3M | $601.2M | ||
| Q2 24 | $70.9M | $497.7M | ||
| Q1 24 | $57.1M | $490.6M |
| Q4 25 | — | $359.8M | ||
| Q3 25 | — | $359.3M | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $357.9M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $938.4M | $630.3M | ||
| Q3 25 | $788.8M | $628.1M | ||
| Q2 25 | $761.8M | $608.7M | ||
| Q1 25 | $741.4M | $594.3M | ||
| Q4 24 | $713.4M | $575.4M | ||
| Q3 24 | $719.9M | $411.2M | ||
| Q2 24 | $674.6M | $361.1M | ||
| Q1 24 | $667.9M | $348.9M |
| Q4 25 | $8.7B | $1.3B | ||
| Q3 25 | $8.5B | $1.3B | ||
| Q2 25 | $8.4B | $1.3B | ||
| Q1 25 | $8.2B | $1.2B | ||
| Q4 24 | $8.1B | $1.2B | ||
| Q3 24 | $8.0B | $1.1B | ||
| Q2 24 | $7.9B | $1.0B | ||
| Q1 24 | $7.8B | $1.0B |
| Q4 25 | — | 0.57× | ||
| Q3 25 | — | 0.57× | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.62× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $63.7M |
| Free Cash FlowOCF − Capex | $31.9M | $63.2M |
| FCF MarginFCF / Revenue | 16.4% | 31.9% |
| Capex IntensityCapex / Revenue | 3.6% | 0.2% |
| Cash ConversionOCF / Net Profit | 0.40× | 4.07× |
| TTM Free Cash FlowTrailing 4 quarters | $105.0M | $242.5M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $38.9M | $63.7M | ||
| Q3 25 | $34.9M | $75.1M | ||
| Q2 25 | $18.9M | $72.5M | ||
| Q1 25 | $22.2M | $37.0M | ||
| Q4 24 | $95.0M | $38.6M | ||
| Q3 24 | $21.2M | $61.0M | ||
| Q2 24 | $27.3M | $39.2M | ||
| Q1 24 | $23.2M | $14.8M |
| Q4 25 | $31.9M | $63.2M | ||
| Q3 25 | $33.9M | $74.6M | ||
| Q2 25 | $18.3M | $70.1M | ||
| Q1 25 | $20.9M | $34.5M | ||
| Q4 24 | $88.8M | $37.0M | ||
| Q3 24 | $18.9M | $59.8M | ||
| Q2 24 | $26.3M | $38.6M | ||
| Q1 24 | $21.9M | $14.6M |
| Q4 25 | 16.4% | 31.9% | ||
| Q3 25 | 38.8% | 37.0% | ||
| Q2 25 | 22.1% | 36.0% | ||
| Q1 25 | 25.5% | 17.9% | ||
| Q4 24 | 115.1% | 19.3% | ||
| Q3 24 | 24.7% | 30.8% | ||
| Q2 24 | 36.2% | 20.0% | ||
| Q1 24 | 30.0% | 7.7% |
| Q4 25 | 3.6% | 0.2% | ||
| Q3 25 | 1.1% | 0.2% | ||
| Q2 25 | 0.8% | 1.2% | ||
| Q1 25 | 1.7% | 1.3% | ||
| Q4 24 | 8.1% | 0.8% | ||
| Q3 24 | 2.9% | 0.6% | ||
| Q2 24 | 1.3% | 0.3% | ||
| Q1 24 | 1.9% | 0.1% |
| Q4 25 | 0.40× | 4.07× | ||
| Q3 25 | 1.47× | 2.56× | ||
| Q2 25 | 0.88× | 2.22× | ||
| Q1 25 | 1.13× | 0.98× | ||
| Q4 24 | 4.82× | 0.26× | ||
| Q3 24 | 1.14× | 2.20× | ||
| Q2 24 | 1.74× | 1.76× | ||
| Q1 24 | 1.38× | 0.80× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
