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Side-by-side financial comparison of TOMPKINS FINANCIAL CORP (TMP) and Westrock Coffee Co (WEST). Click either name above to swap in a different company.
Westrock Coffee Co is the larger business by last-quarter revenue ($339.5M vs $194.8M, roughly 1.7× TOMPKINS FINANCIAL CORP). TOMPKINS FINANCIAL CORP runs the higher net margin — 49.4% vs -6.6%, a 56.0% gap on every dollar of revenue. On growth, TOMPKINS FINANCIAL CORP posted the faster year-over-year revenue change (152.7% vs 48.3%). TOMPKINS FINANCIAL CORP produced more free cash flow last quarter ($31.9M vs $27.8M). Over the past eight quarters, TOMPKINS FINANCIAL CORP's revenue compounded faster (63.6% CAGR vs 32.8%).
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.
Westrock Coffee Co is a global integrated coffee, tea and functional beverage solutions provider. It sources, roasts, manufactures and distributes coffee products, ready-to-drink beverages and custom formulations for retail, foodservice and commercial clients across North America and other key markets.
TMP vs WEST — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $194.8M | $339.5M |
| Net Profit | $96.2M | $-22.6M |
| Gross Margin | — | 11.5% |
| Operating Margin | 71.7% | -2.6% |
| Net Margin | 49.4% | -6.6% |
| Revenue YoY | 152.7% | 48.3% |
| Net Profit YoY | 388.9% | 8.3% |
| EPS (diluted) | $6.72 | $-0.22 |
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 | $339.5M | ||
| Q3 25 | $87.4M | $354.8M | ||
| Q2 25 | $82.6M | $280.9M | ||
| Q1 25 | $81.7M | $213.8M | ||
| Q4 24 | $77.1M | $229.0M | ||
| Q3 24 | $76.6M | $220.9M | ||
| Q2 24 | $72.7M | $208.4M | ||
| Q1 24 | $72.8M | $192.5M |
| Q4 25 | $96.2M | $-22.6M | ||
| Q3 25 | $23.7M | $-19.1M | ||
| Q2 25 | $21.5M | $-21.6M | ||
| Q1 25 | $19.7M | $-27.2M | ||
| Q4 24 | $19.7M | $-24.6M | ||
| Q3 24 | $18.6M | $-14.3M | ||
| Q2 24 | $15.7M | $-17.8M | ||
| Q1 24 | $16.9M | $-23.7M |
| Q4 25 | — | 11.5% | ||
| Q3 25 | — | 11.7% | ||
| Q2 25 | — | 14.7% | ||
| Q1 25 | — | 13.6% | ||
| Q4 24 | — | 16.6% | ||
| Q3 24 | — | 16.8% | ||
| Q2 24 | — | 19.9% | ||
| Q1 24 | — | 19.4% |
| Q4 25 | 71.7% | -2.6% | ||
| Q3 25 | 35.6% | -2.4% | ||
| Q2 25 | 34.2% | -5.3% | ||
| Q1 25 | 31.6% | -6.1% | ||
| Q4 24 | 33.4% | -4.3% | ||
| Q3 24 | 32.0% | -5.8% | ||
| Q2 24 | 28.3% | -7.9% | ||
| Q1 24 | 30.4% | -5.3% |
| Q4 25 | 49.4% | -6.6% | ||
| Q3 25 | 27.1% | -5.4% | ||
| Q2 25 | 26.0% | -7.7% | ||
| Q1 25 | 24.1% | -12.7% | ||
| Q4 24 | 25.5% | -10.7% | ||
| Q3 24 | 24.3% | -6.5% | ||
| Q2 24 | 21.6% | -8.5% | ||
| Q1 24 | 23.2% | -12.3% |
| Q4 25 | $6.72 | $-0.22 | ||
| Q3 25 | $1.65 | $-0.20 | ||
| Q2 25 | $1.50 | $-0.23 | ||
| Q1 25 | $1.37 | $-0.29 | ||
| Q4 24 | $1.39 | $-0.26 | ||
| Q3 24 | $1.30 | $-0.16 | ||
| Q2 24 | $1.10 | $-0.20 | ||
| Q1 24 | $1.18 | $-0.27 |
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 | $49.9M |
| Total DebtLower is stronger | — | $444.1M |
| Stockholders' EquityBook value | $938.4M | $-1.9M |
| Total Assets | $8.7B | $1.2B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $132.8M | $49.9M | ||
| Q3 25 | $193.5M | $34.0M | ||
| Q2 25 | $212.6M | $44.0M | ||
| Q1 25 | $193.1M | $33.1M | ||
| Q4 24 | $134.4M | $26.2M | ||
| Q3 24 | $132.3M | $22.4M | ||
| Q2 24 | $70.9M | $24.3M | ||
| Q1 24 | $57.1M | $12.6M |
| Q4 25 | — | $444.1M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $393.1M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $938.4M | $-1.9M | ||
| Q3 25 | $788.8M | $11.4M | ||
| Q2 25 | $761.8M | $18.2M | ||
| Q1 25 | $741.4M | $71.4M | ||
| Q4 24 | $713.4M | $97.5M | ||
| Q3 24 | $719.9M | $110.3M | ||
| Q2 24 | $674.6M | $81.5M | ||
| Q1 24 | $667.9M | $91.7M |
| Q4 25 | $8.7B | $1.2B | ||
| Q3 25 | $8.5B | $1.2B | ||
| Q2 25 | $8.4B | $1.2B | ||
| Q1 25 | $8.2B | $1.1B | ||
| Q4 24 | $8.1B | $1.1B | ||
| Q3 24 | $8.0B | $1.1B | ||
| Q2 24 | $7.9B | $1.1B | ||
| Q1 24 | $7.8B | $983.3M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 4.03× | ||
| 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 | $36.7M |
| Free Cash FlowOCF − Capex | $31.9M | $27.8M |
| FCF MarginFCF / Revenue | 16.4% | 8.2% |
| Capex IntensityCapex / Revenue | 3.6% | 2.6% |
| Cash ConversionOCF / Net Profit | 0.40× | — |
| TTM Free Cash FlowTrailing 4 quarters | $105.0M | $-107.8M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $38.9M | $36.7M | ||
| Q3 25 | $34.9M | $-26.6M | ||
| Q2 25 | $18.9M | $-7.0M | ||
| Q1 25 | $22.2M | $-22.1M | ||
| Q4 24 | $95.0M | $2.8M | ||
| Q3 24 | $21.2M | $-332.0K | ||
| Q2 24 | $27.3M | $-23.7M | ||
| Q1 24 | $23.2M | $8.0M |
| Q4 25 | $31.9M | $27.8M | ||
| Q3 25 | $33.9M | $-44.7M | ||
| Q2 25 | $18.3M | $-27.5M | ||
| Q1 25 | $20.9M | $-63.4M | ||
| Q4 24 | $88.8M | $-15.4M | ||
| Q3 24 | $18.9M | $-36.7M | ||
| Q2 24 | $26.3M | $-59.9M | ||
| Q1 24 | $21.9M | $-60.9M |
| Q4 25 | 16.4% | 8.2% | ||
| Q3 25 | 38.8% | -12.6% | ||
| Q2 25 | 22.1% | -9.8% | ||
| Q1 25 | 25.5% | -29.7% | ||
| Q4 24 | 115.1% | -6.7% | ||
| Q3 24 | 24.7% | -16.6% | ||
| Q2 24 | 36.2% | -28.7% | ||
| Q1 24 | 30.0% | -31.7% |
| Q4 25 | 3.6% | 2.6% | ||
| Q3 25 | 1.1% | 5.1% | ||
| Q2 25 | 0.8% | 7.3% | ||
| Q1 25 | 1.7% | 19.3% | ||
| Q4 24 | 8.1% | 7.9% | ||
| Q3 24 | 2.9% | 16.5% | ||
| Q2 24 | 1.3% | 17.4% | ||
| Q1 24 | 1.9% | 35.8% |
| 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× | — | ||
| 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.
WEST
| Coffee And Tea | $202.6M | 60% |
| Flavors Extracts And Ingredients | $69.6M | 21% |
| Sustainable Sourcing And Traceability Segments | $66.9M | 20% |
