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Side-by-side financial comparison of TOMPKINS FINANCIAL CORP (TMP) and ZIPRECRUITER, INC. (ZIP). Click either name above to swap in a different company.
TOMPKINS FINANCIAL CORP is the larger business by last-quarter revenue ($194.8M vs $111.7M, roughly 1.7× ZIPRECRUITER, INC.). TOMPKINS FINANCIAL CORP runs the higher net margin — 49.4% vs -0.7%, a 50.2% gap on every dollar of revenue. On growth, TOMPKINS FINANCIAL CORP posted the faster year-over-year revenue change (152.7% vs 0.6%). TOMPKINS FINANCIAL CORP produced more free cash flow last quarter ($31.9M vs $7.6M). Over the past eight quarters, TOMPKINS FINANCIAL CORP's revenue compounded faster (63.6% CAGR vs -4.4%).
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.
ZipRecruiter, Inc. is an American employment marketplace for job seekers and employers.
TMP vs ZIP — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $194.8M | $111.7M |
| Net Profit | $96.2M | $-835.0K |
| Gross Margin | — | 89.1% |
| Operating Margin | 71.7% | 3.6% |
| Net Margin | 49.4% | -0.7% |
| Revenue YoY | 152.7% | 0.6% |
| Net Profit YoY | 388.9% | 92.3% |
| EPS (diluted) | $6.72 | $-0.03 |
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 | $111.7M | ||
| Q3 25 | $87.4M | $115.0M | ||
| Q2 25 | $82.6M | $112.2M | ||
| Q1 25 | $81.7M | $110.1M | ||
| Q4 24 | $77.1M | $111.0M | ||
| Q3 24 | $76.6M | $117.1M | ||
| Q2 24 | $72.7M | $123.7M | ||
| Q1 24 | $72.8M | $122.2M |
| Q4 25 | $96.2M | $-835.0K | ||
| Q3 25 | $23.7M | $-9.8M | ||
| Q2 25 | $21.5M | $-9.5M | ||
| Q1 25 | $19.7M | $-12.8M | ||
| Q4 24 | $19.7M | $-10.8M | ||
| Q3 24 | $18.6M | $-2.6M | ||
| Q2 24 | $15.7M | $7.0M | ||
| Q1 24 | $16.9M | $-6.5M |
| Q4 25 | — | 89.1% | ||
| Q3 25 | — | 89.1% | ||
| Q2 25 | — | 89.3% | ||
| Q1 25 | — | 89.4% | ||
| Q4 24 | — | 89.6% | ||
| Q3 24 | — | 89.4% | ||
| Q2 24 | — | 89.5% | ||
| Q1 24 | — | 89.1% |
| Q4 25 | 71.7% | 3.6% | ||
| Q3 25 | 35.6% | -4.4% | ||
| Q2 25 | 34.2% | -5.9% | ||
| Q1 25 | 31.6% | -10.6% | ||
| Q4 24 | 33.4% | -3.6% | ||
| Q3 24 | 32.0% | -2.8% | ||
| Q2 24 | 28.3% | 7.6% | ||
| Q1 24 | 30.4% | -0.7% |
| Q4 25 | 49.4% | -0.7% | ||
| Q3 25 | 27.1% | -8.5% | ||
| Q2 25 | 26.0% | -8.5% | ||
| Q1 25 | 24.1% | -11.7% | ||
| Q4 24 | 25.5% | -9.7% | ||
| Q3 24 | 24.3% | -2.2% | ||
| Q2 24 | 21.6% | 5.7% | ||
| Q1 24 | 23.2% | -5.3% |
| Q4 25 | $6.72 | $-0.03 | ||
| Q3 25 | $1.65 | $-0.11 | ||
| Q2 25 | $1.50 | $-0.10 | ||
| Q1 25 | $1.37 | $-0.13 | ||
| Q4 24 | $1.39 | $-0.10 | ||
| Q3 24 | $1.30 | $-0.03 | ||
| Q2 24 | $1.10 | $0.07 | ||
| Q1 24 | $1.18 | $-0.07 |
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 | $188.0M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $938.4M | $-77.2M |
| Total Assets | $8.7B | $569.7M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $132.8M | $188.0M | ||
| Q3 25 | $193.5M | $211.8M | ||
| Q2 25 | $212.6M | $203.5M | ||
| Q1 25 | $193.1M | $221.1M | ||
| Q4 24 | $134.4M | $218.4M | ||
| Q3 24 | $132.3M | $225.6M | ||
| Q2 24 | $70.9M | $271.7M | ||
| Q1 24 | $57.1M | $282.5M |
| Q4 25 | $938.4M | $-77.2M | ||
| Q3 25 | $788.8M | $-76.1M | ||
| Q2 25 | $761.8M | $-65.9M | ||
| Q1 25 | $741.4M | $-11.3M | ||
| Q4 24 | $713.4M | $13.4M | ||
| Q3 24 | $719.9M | $13.6M | ||
| Q2 24 | $674.6M | $24.4M | ||
| Q1 24 | $667.9M | $12.7M |
| Q4 25 | $8.7B | $569.7M | ||
| Q3 25 | $8.5B | $573.6M | ||
| Q2 25 | $8.4B | $592.4M | ||
| Q1 25 | $8.2B | $629.4M | ||
| Q4 24 | $8.1B | $664.1M | ||
| Q3 24 | $8.0B | $652.0M | ||
| Q2 24 | $7.9B | $665.3M | ||
| Q1 24 | $7.8B | $662.4M |
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 | $7.7M |
| Free Cash FlowOCF − Capex | $31.9M | $7.6M |
| FCF MarginFCF / Revenue | 16.4% | 6.8% |
| Capex IntensityCapex / Revenue | 3.6% | 0.1% |
| Cash ConversionOCF / Net Profit | 0.40× | — |
| TTM Free Cash FlowTrailing 4 quarters | $105.0M | $9.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $38.9M | $7.7M | ||
| Q3 25 | $34.9M | $2.6M | ||
| Q2 25 | $18.9M | $10.5M | ||
| Q1 25 | $22.2M | $-9.9M | ||
| Q4 24 | $95.0M | $12.5M | ||
| Q3 24 | $21.2M | $9.3M | ||
| Q2 24 | $27.3M | $21.9M | ||
| Q1 24 | $23.2M | $2.0M |
| Q4 25 | $31.9M | $7.6M | ||
| Q3 25 | $33.9M | $2.2M | ||
| Q2 25 | $18.3M | $10.2M | ||
| Q1 25 | $20.9M | $-10.2M | ||
| Q4 24 | $88.8M | $12.0M | ||
| Q3 24 | $18.9M | $9.2M | ||
| Q2 24 | $26.3M | $21.7M | ||
| Q1 24 | $21.9M | $1.9M |
| Q4 25 | 16.4% | 6.8% | ||
| Q3 25 | 38.8% | 1.9% | ||
| Q2 25 | 22.1% | 9.1% | ||
| Q1 25 | 25.5% | -9.3% | ||
| Q4 24 | 115.1% | 10.8% | ||
| Q3 24 | 24.7% | 7.8% | ||
| Q2 24 | 36.2% | 17.6% | ||
| Q1 24 | 30.0% | 1.6% |
| Q4 25 | 3.6% | 0.1% | ||
| Q3 25 | 1.1% | 0.3% | ||
| Q2 25 | 0.8% | 0.3% | ||
| Q1 25 | 1.7% | 0.3% | ||
| Q4 24 | 8.1% | 0.4% | ||
| Q3 24 | 2.9% | 0.2% | ||
| Q2 24 | 1.3% | 0.1% | ||
| Q1 24 | 1.9% | 0.1% |
| 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× | 3.12× | ||
| 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.
ZIP
| License | $84.3M | 75% |
| Services | $27.4M | 25% |
