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Side-by-side financial comparison of TOMPKINS FINANCIAL CORP (TMP) and INNOVATE Corp. (VATE). Click either name above to swap in a different company.
INNOVATE Corp. is the larger business by last-quarter revenue ($382.7M vs $194.8M, roughly 2.0× TOMPKINS FINANCIAL CORP). TOMPKINS FINANCIAL CORP runs the higher net margin — 49.4% vs -1.9%, a 51.3% gap on every dollar of revenue. On growth, TOMPKINS FINANCIAL CORP posted the faster year-over-year revenue change (152.7% vs 61.7%). Over the past eight quarters, TOMPKINS FINANCIAL CORP's revenue compounded faster (63.6% CAGR vs 10.2%).
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.
Innovate Corp. is an American public financial services company founded in 1994.
TMP vs VATE — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $194.8M | $382.7M |
| Net Profit | $96.2M | $-7.4M |
| Gross Margin | — | 15.4% |
| Operating Margin | 71.7% | 3.7% |
| Net Margin | 49.4% | -1.9% |
| Revenue YoY | 152.7% | 61.7% |
| Net Profit YoY | 388.9% | 55.4% |
| EPS (diluted) | $6.72 | $-0.57 |
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 | $382.7M | ||
| Q3 25 | $87.4M | $347.1M | ||
| Q2 25 | $82.6M | $242.0M | ||
| Q1 25 | $81.7M | $274.2M | ||
| Q4 24 | $77.1M | $236.6M | ||
| Q3 24 | $76.6M | $242.2M | ||
| Q2 24 | $72.7M | $313.1M | ||
| Q1 24 | $72.8M | $315.2M |
| Q4 25 | $96.2M | $-7.4M | ||
| Q3 25 | $23.7M | $-8.9M | ||
| Q2 25 | $21.5M | $-19.8M | ||
| Q1 25 | $19.7M | $-24.5M | ||
| Q4 24 | $19.7M | $-16.6M | ||
| Q3 24 | $18.6M | $-15.0M | ||
| Q2 24 | $15.7M | $14.4M | ||
| Q1 24 | $16.9M | $-17.4M |
| Q4 25 | — | 15.4% | ||
| Q3 25 | — | 14.3% | ||
| Q2 25 | — | 18.8% | ||
| Q1 25 | — | 16.6% | ||
| Q4 24 | — | 19.6% | ||
| Q3 24 | — | 19.9% | ||
| Q2 24 | — | 21.0% | ||
| Q1 24 | — | 15.4% |
| Q4 25 | 71.7% | 3.7% | ||
| Q3 25 | 35.6% | 1.8% | ||
| Q2 25 | 34.2% | 2.0% | ||
| Q1 25 | 31.6% | 1.2% | ||
| Q4 24 | 33.4% | 1.1% | ||
| Q3 24 | 32.0% | 2.4% | ||
| Q2 24 | 28.3% | 9.2% | ||
| Q1 24 | 30.4% | 0.9% |
| Q4 25 | 49.4% | -1.9% | ||
| Q3 25 | 27.1% | -2.6% | ||
| Q2 25 | 26.0% | -8.2% | ||
| Q1 25 | 24.1% | -8.9% | ||
| Q4 24 | 25.5% | -7.0% | ||
| Q3 24 | 24.3% | -6.2% | ||
| Q2 24 | 21.6% | 4.6% | ||
| Q1 24 | 23.2% | -5.5% |
| Q4 25 | $6.72 | $-0.57 | ||
| Q3 25 | $1.65 | $-0.71 | ||
| Q2 25 | $1.50 | $-1.67 | ||
| Q1 25 | $1.37 | $-1.89 | ||
| Q4 24 | $1.39 | $-0.72 | ||
| Q3 24 | $1.30 | $-1.18 | ||
| Q2 24 | $1.10 | $1.03 | ||
| Q1 24 | $1.18 | $-2.21 |
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 | $112.1M |
| Total DebtLower is stronger | — | $80.3M |
| Stockholders' EquityBook value | $938.4M | $-240.1M |
| Total Assets | $8.7B | $950.1M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $132.8M | $112.1M | ||
| Q3 25 | $193.5M | $35.5M | ||
| Q2 25 | $212.6M | $33.4M | ||
| Q1 25 | $193.1M | $33.3M | ||
| Q4 24 | $134.4M | $48.8M | ||
| Q3 24 | $132.3M | $51.0M | ||
| Q2 24 | $70.9M | $80.2M | ||
| Q1 24 | $57.1M | $38.4M |
| Q4 25 | — | $80.3M | ||
| Q3 25 | — | $97.3M | ||
| Q2 25 | — | $160.1M | ||
| Q1 25 | — | $139.9M | ||
| Q4 24 | — | $500.6M | ||
| Q3 24 | — | $502.4M | ||
| Q2 24 | — | $638.3M | ||
| Q1 24 | — | $641.5M |
| Q4 25 | $938.4M | $-240.1M | ||
| Q3 25 | $788.8M | $-233.3M | ||
| Q2 25 | $761.8M | $-224.8M | ||
| Q1 25 | $741.4M | $-204.2M | ||
| Q4 24 | $713.4M | $-180.4M | ||
| Q3 24 | $719.9M | $-163.1M | ||
| Q2 24 | $674.6M | $-149.0M | ||
| Q1 24 | $667.9M | $-184.4M |
| Q4 25 | $8.7B | $950.1M | ||
| Q3 25 | $8.5B | $913.2M | ||
| Q2 25 | $8.4B | $890.9M | ||
| Q1 25 | $8.2B | $868.0M | ||
| Q4 24 | $8.1B | $891.1M | ||
| Q3 24 | $8.0B | $897.2M | ||
| Q2 24 | $7.9B | $898.9M | ||
| Q1 24 | $7.8B | $943.5M |
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 | $101.1M |
| 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 | $101.1M | ||
| Q3 25 | $34.9M | $19.2M | ||
| Q2 25 | $18.9M | $40.4M | ||
| Q1 25 | $22.2M | $-14.1M | ||
| Q4 24 | $95.0M | $41.4M | ||
| Q3 24 | $21.2M | $-28.4M | ||
| Q2 24 | $27.3M | $21.5M | ||
| Q1 24 | $23.2M | $-25.4M |
| Q4 25 | $31.9M | — | ||
| Q3 25 | $33.9M | $19.0M | ||
| Q2 25 | $18.3M | — | ||
| Q1 25 | $20.9M | $-18.8M | ||
| Q4 24 | $88.8M | $34.2M | ||
| Q3 24 | $18.9M | $-31.5M | ||
| Q2 24 | $26.3M | $18.4M | ||
| Q1 24 | $21.9M | $-31.0M |
| Q4 25 | 16.4% | — | ||
| Q3 25 | 38.8% | 5.5% | ||
| Q2 25 | 22.1% | — | ||
| Q1 25 | 25.5% | -6.9% | ||
| Q4 24 | 115.1% | 14.5% | ||
| Q3 24 | 24.7% | -13.0% | ||
| Q2 24 | 36.2% | 5.9% | ||
| Q1 24 | 30.0% | -9.8% |
| Q4 25 | 3.6% | — | ||
| Q3 25 | 1.1% | 0.1% | ||
| Q2 25 | 0.8% | — | ||
| Q1 25 | 1.7% | 1.7% | ||
| Q4 24 | 8.1% | 3.0% | ||
| Q3 24 | 2.9% | 1.3% | ||
| Q2 24 | 1.3% | 1.0% | ||
| Q1 24 | 1.9% | 1.8% |
| 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× | 1.49× | ||
| 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.
VATE
| Commercial Revenue | $126.1M | 33% |
| Industrial Revenue | $87.5M | 23% |
| Transportation Revenue | $58.4M | 15% |
| Healthcare Revenue | $48.4M | 13% |
| Government Revenue | $44.3M | 12% |
| Energy Revenue | $8.0M | 2% |
| Broadcast Station Revenue | $5.7M | 1% |
| Systems And Consumables Revenue | $3.1M | 1% |
| Leisure Revenue | $200.0K | 0% |
