Connectone Bancorp vs Tompkins Financial
Tompkins Financial is the larger business, with $447m of revenue in fiscal 2025 against $388m for Connectone Bancorp (1.2 times as much). Tompkins Financial grew faster (49.3% against 47.1%). Tompkins Financial kept more of each dollar of sales as profit: a net margin of 36.1% against 20.7%.
| Latest fiscal year | Connectone BancorpCNOB, 2025 | Tompkins FinancialTMP, 2025 |
|---|---|---|
| Revenue | $388m | $447m |
| Revenue growth | 47.1% | 49.3% |
| Net income | $80.4m | $161m |
| Operating margin | — | — |
| Net margin | 20.7% | 36.1% |
| Return on equity | 5.7% | 19.5% |
| Free cash flow | $101m | $31.9m |
| Cash | $381m | $133m |
| Total debt | $0 | $0 |
| Debt to equity | — | — |
| Dividend per share | $0.72 | $3.13 |
| Dividend yield | 2.3% | 2.7% |
| Share buybacks | $0 | $1.6m |
| Employees | 750 | 870 |
| Market value | $1.65bn | $1.46bn |
| Price vs our value range | — | — |
| Moat score | 61 (Moderate) | 63 (Moderate) |
| Insider trades, 12 months | 3 buys, 1 sales | 2 buys, 0 sales |