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Side-by-side financial comparison of TOMPKINS FINANCIAL CORP (TMP) and Utz Brands, Inc. (UTZ). Click either name above to swap in a different company.
Utz Brands, Inc. is the larger business by last-quarter revenue ($341.0M vs $194.8M, roughly 1.8× TOMPKINS FINANCIAL CORP). TOMPKINS FINANCIAL CORP runs the higher net margin — 49.4% vs 0.7%, a 48.7% gap on every dollar of revenue. On growth, TOMPKINS FINANCIAL CORP posted the faster year-over-year revenue change (152.7% vs -3.1%). TOMPKINS FINANCIAL CORP produced more free cash flow last quarter ($31.9M vs $16.5M). Over the past eight quarters, TOMPKINS FINANCIAL CORP's revenue compounded faster (63.6% CAGR vs -1.5%).
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.
Utz Brands, Inc., more commonly known as Utz, is an American snack food company based in Hanover, Pennsylvania. The company produces a variety of potato chips, pretzels, and other snacks, with most products sold under their family of brands. Utz is also a snack supplier to warehouse clubs and merchandisers.
TMP vs UTZ — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2024
| Metric | | |
|---|---|---|
| Revenue | $194.8M | $341.0M |
| Net Profit | $96.2M | $2.3M |
| Gross Margin | — | 25.5% |
| Operating Margin | 71.7% | 2.1% |
| Net Margin | 49.4% | 0.7% |
| Revenue YoY | 152.7% | -3.1% |
| Net Profit YoY | 388.9% | 108.3% |
| 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 | — | ||
| Q3 25 | $87.4M | — | ||
| Q2 25 | $82.6M | — | ||
| Q1 25 | $81.7M | — | ||
| Q4 24 | $77.1M | $341.0M | ||
| Q3 24 | $76.6M | $365.5M | ||
| Q2 24 | $72.7M | $356.2M | ||
| Q1 24 | $72.8M | $346.5M |
| Q4 25 | $96.2M | — | ||
| Q3 25 | $23.7M | — | ||
| Q2 25 | $21.5M | — | ||
| Q1 25 | $19.7M | — | ||
| Q4 24 | $19.7M | $2.3M | ||
| Q3 24 | $18.6M | $-2.2M | ||
| Q2 24 | $15.7M | $19.8M | ||
| Q1 24 | $16.9M | $-4.0M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 25.5% | ||
| Q3 24 | — | 26.9% | ||
| Q2 24 | — | 26.7% | ||
| Q1 24 | — | 25.5% |
| Q4 25 | 71.7% | — | ||
| Q3 25 | 35.6% | — | ||
| Q2 25 | 34.2% | — | ||
| Q1 25 | 31.6% | — | ||
| Q4 24 | 33.4% | 2.1% | ||
| Q3 24 | 32.0% | 5.3% | ||
| Q2 24 | 28.3% | 6.3% | ||
| Q1 24 | 30.4% | 2.8% |
| Q4 25 | 49.4% | — | ||
| Q3 25 | 27.1% | — | ||
| Q2 25 | 26.0% | — | ||
| Q1 25 | 24.1% | — | ||
| Q4 24 | 25.5% | 0.7% | ||
| Q3 24 | 24.3% | -0.6% | ||
| Q2 24 | 21.6% | 5.6% | ||
| Q1 24 | 23.2% | -1.2% |
| Q4 25 | $6.72 | — | ||
| Q3 25 | $1.65 | — | ||
| Q2 25 | $1.50 | — | ||
| Q1 25 | $1.37 | — | ||
| Q4 24 | $1.39 | $0.04 | ||
| Q3 24 | $1.30 | $-0.03 | ||
| Q2 24 | $1.10 | $0.23 | ||
| Q1 24 | $1.18 | $-0.05 |
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 | $56.1M |
| Total DebtLower is stronger | — | $768.6M |
| Stockholders' EquityBook value | $938.4M | $696.9M |
| Total Assets | $8.7B | $2.7B |
| Debt / EquityLower = less leverage | — | 1.10× |
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 | $56.1M | ||
| Q3 24 | $132.3M | $64.9M | ||
| Q2 24 | $70.9M | $66.6M | ||
| Q1 24 | $57.1M | $47.0M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $768.6M | ||
| Q3 24 | — | $780.8M | ||
| Q2 24 | — | $797.6M | ||
| Q1 24 | — | $756.9M |
| Q4 25 | $938.4M | — | ||
| Q3 25 | $788.8M | — | ||
| Q2 25 | $761.8M | — | ||
| Q1 25 | $741.4M | — | ||
| Q4 24 | $713.4M | $696.9M | ||
| Q3 24 | $719.9M | $685.7M | ||
| Q2 24 | $674.6M | $686.0M | ||
| Q1 24 | $667.9M | $671.1M |
| Q4 25 | $8.7B | — | ||
| Q3 25 | $8.5B | — | ||
| Q2 25 | $8.4B | — | ||
| Q1 25 | $8.2B | — | ||
| Q4 24 | $8.1B | $2.7B | ||
| Q3 24 | $8.0B | $2.6B | ||
| Q2 24 | $7.9B | $2.7B | ||
| Q1 24 | $7.8B | $2.6B |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 1.10× | ||
| Q3 24 | — | 1.14× | ||
| Q2 24 | — | 1.16× | ||
| Q1 24 | — | 1.13× |
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 | $54.2M |
| Free Cash FlowOCF − Capex | $31.9M | $16.5M |
| FCF MarginFCF / Revenue | 16.4% | 4.8% |
| Capex IntensityCapex / Revenue | 3.6% | 11.1% |
| Cash ConversionOCF / Net Profit | 0.40× | 23.67× |
| TTM Free Cash FlowTrailing 4 quarters | $105.0M | $7.6M |
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 | $54.2M | ||
| Q3 24 | $21.2M | $52.2M | ||
| Q2 24 | $27.3M | $8.9M | ||
| Q1 24 | $23.2M | $-9.1M |
| Q4 25 | $31.9M | — | ||
| Q3 25 | $33.9M | — | ||
| Q2 25 | $18.3M | — | ||
| Q1 25 | $20.9M | — | ||
| Q4 24 | $88.8M | $16.5M | ||
| Q3 24 | $18.9M | $29.1M | ||
| Q2 24 | $26.3M | $-15.3M | ||
| Q1 24 | $21.9M | $-22.7M |
| Q4 25 | 16.4% | — | ||
| Q3 25 | 38.8% | — | ||
| Q2 25 | 22.1% | — | ||
| Q1 25 | 25.5% | — | ||
| Q4 24 | 115.1% | 4.8% | ||
| Q3 24 | 24.7% | 8.0% | ||
| Q2 24 | 36.2% | -4.3% | ||
| Q1 24 | 30.0% | -6.5% |
| Q4 25 | 3.6% | — | ||
| Q3 25 | 1.1% | — | ||
| Q2 25 | 0.8% | — | ||
| Q1 25 | 1.7% | — | ||
| Q4 24 | 8.1% | 11.1% | ||
| Q3 24 | 2.9% | 6.3% | ||
| Q2 24 | 1.3% | 6.8% | ||
| Q1 24 | 1.9% | 3.9% |
| Q4 25 | 0.40× | — | ||
| Q3 25 | 1.47× | — | ||
| Q2 25 | 0.88× | — | ||
| Q1 25 | 1.13× | — | ||
| Q4 24 | 4.82× | 23.67× | ||
| Q3 24 | 1.14× | — | ||
| Q2 24 | 1.74× | 0.45× | ||
| Q1 24 | 1.38× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
