TOMPKINS FINANCIAL CORP (TMP) Stock Fundamental Analysis
NYSEARCA:TMP - US8901101092 - Common Stock
70.01 USD
+0.51 (+0.73%)
Overall TMP gets a fundamental rating of 5 out of 10. We evaluated TMP against 393 industry peers in the Banks industry. While TMP is still in line with the averages on profitability rating, there are concerns on its financial health. TMP has a decent growth rate and is not valued too expensively. Finally TMP also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
TMP had positive earnings in the past year.
TMP had a positive operating cash flow in the past year.
In the past 5 years TMP has always been profitable.
TMP had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of TMP (0.95%) is better than 60.05% of its industry peers.
TMP's Return On Equity of 10.43% is fine compared to the rest of the industry. TMP outperforms 71.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.95% | ||
| ROE | 10.43% | ||
| ROIC | N/A |
ROA(3y)0.7%
ROA(5y)0.85%
ROE(3y)8.37%
ROE(5y)9.6%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
TMP's Profit Margin of 24.98% is fine compared to the rest of the industry. TMP outperforms 60.05% of its industry peers.
TMP's Profit Margin has declined in the last couple of years.
TMP does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 24.98% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-6.83%
PM growth 5Y-3.38%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
TMP does not have a ROIC to compare to the WACC, probably because it is not profitable.
TMP has about the same amout of shares outstanding than it did 1 year ago.
TMP has less shares outstanding than it did 5 years ago.
TMP has a better debt/assets ratio than last year.
2.2 Solvency
TMP has a debt to FCF ratio of 1.59. This is a very positive value and a sign of high solvency as it would only need 1.59 years to pay back of all of its debts.
The Debt to FCF ratio of TMP (1.59) is comparable to the rest of the industry.
TMP has a Debt/Equity ratio of 0.17. This is a healthy value indicating a solid balance between debt and equity.
With a Debt to Equity ratio value of 0.17, TMP perfoms like the industry average, outperforming 52.16% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 1.59 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.66%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
TMP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 465.31%, which is quite impressive.
The Earnings Per Share has been decreasing by -1.65% on average over the past years.
Looking at the last year, TMP shows a very strong growth in Revenue. The Revenue has grown by 40.63%.
Measured over the past years, TMP shows a small growth in Revenue. The Revenue has been growing by 0.91% on average per year.
EPS 1Y (TTM)465.31%
EPS 3Y-7.48%
EPS 5Y-1.65%
EPS Q2Q%36.36%
Revenue 1Y (TTM)40.63%
Revenue growth 3Y-0.37%
Revenue growth 5Y0.91%
Sales Q2Q%13.63%
3.2 Future
The Earnings Per Share is expected to grow by 17.42% on average over the next years. This is quite good.
Based on estimates for the next years, TMP will show a quite strong growth in Revenue. The Revenue will grow by 9.80% on average per year.
EPS Next Y24.08%
EPS Next 2Y17.42%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year13.23%
Revenue Next 2Y9.8%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 12.64, which indicates a correct valuation of TMP.
Compared to the rest of the industry, the Price/Earnings ratio of TMP is on the same level as its industry peers.
The average S&P500 Price/Earnings ratio is at 27.03. TMP is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 10.26, the valuation of TMP can be described as reasonable.
TMP's Price/Forward Earnings ratio is in line with the industry average.
When comparing the Price/Forward Earnings ratio of TMP to the average of the S&P500 Index (22.63), we can say TMP is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.64 | ||
| Fwd PE | 10.26 |
4.2 Price Multiples
TMP's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.67 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
TMP's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as TMP's earnings are expected to grow with 17.42% in the coming years.
PEG (NY)0.52
PEG (5Y)N/A
EPS Next 2Y17.42%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.72%, TMP has a reasonable but not impressive dividend return.
TMP's Dividend Yield is a higher than the industry average which is at 3.30.
TMP's Dividend Yield is rather good when compared to the S&P500 average which is at 2.34.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.72% |
5.2 History
The dividend of TMP has a limited annual growth rate of 3.77%.
TMP has been paying a dividend for at least 10 years, so it has a reliable track record.
TMP has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)3.77%
Div Incr Years25
Div Non Decr Years25
5.3 Sustainability
TMP pays out 44.70% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of TMP is growing, but earnings are growing more, so the dividend growth is sustainable.
DP44.7%
EPS Next 2Y17.42%
EPS Next 3YN/A
NYSEARCA:TMP (8/26/2025, 11:36:09 AM)
70.01
+0.51 (+0.73%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners67.64%
Inst Owner Change-0.63%
Ins Owners2.18%
Ins Owner Change-0.03%
Market Cap1.01B
Analysts80
Price Target79.56 (13.64%)
Short Float %0.78%
Short Ratio1.99
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.72% |
Yearly Dividend2.45
Dividend Growth(5Y)3.77%
DP44.7%
Div Incr Years25
Div Non Decr Years25
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)3.76%
Min EPS beat(2)3.66%
Max EPS beat(2)3.86%
EPS beat(4)4
Avg EPS beat(4)7.82%
Min EPS beat(4)3.66%
Max EPS beat(4)17.39%
EPS beat(8)6
Avg EPS beat(8)4.07%
EPS beat(12)7
Avg EPS beat(12)-1.73%
EPS beat(16)10
Avg EPS beat(16)0.02%
Revenue beat(2)2
Avg Revenue beat(2)1.39%
Min Revenue beat(2)0.89%
Max Revenue beat(2)1.9%
Revenue beat(4)4
Avg Revenue beat(4)1.3%
Min Revenue beat(4)0.29%
Max Revenue beat(4)2.14%
Revenue beat(8)5
Avg Revenue beat(8)-0.8%
Revenue beat(12)5
Avg Revenue beat(12)-2.25%
Revenue beat(16)6
Avg Revenue beat(16)-1.72%
PT rev (1m)0%
PT rev (3m)7.59%
EPS NQ rev (1m)4.67%
EPS NQ rev (3m)11.5%
EPS NY rev (1m)9.18%
EPS NY rev (3m)9.18%
Revenue NQ rev (1m)1.75%
Revenue NQ rev (3m)3.13%
Revenue NY rev (1m)2.11%
Revenue NY rev (3m)2.11%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.64 | ||
| Fwd PE | 10.26 | ||
| P/S | 3.18 | ||
| P/FCF | 12.67 | ||
| P/OCF | 11.8 | ||
| P/B | 1.33 | ||
| P/tB | 1.51 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.54
EY7.91%
EPS(NY)6.82
Fwd EY9.75%
FCF(TTM)5.53
FCFY7.89%
OCF(TTM)5.93
OCFY8.47%
SpS22.04
BVpS52.79
TBVpS46.22
PEG (NY)0.52
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.95% | ||
| ROE | 10.43% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 24.98% | ||
| GM | N/A | ||
| FCFM | 25.08% |
ROA(3y)0.7%
ROA(5y)0.85%
ROE(3y)8.37%
ROE(5y)9.6%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-6.83%
PM growth 5Y-3.38%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 1.59 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 64.22% | ||
| Cap/Sales | 1.84% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 100.39% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC11.66%
ROIC/WACCN/A
Cap/Depr(3y)62.53%
Cap/Depr(5y)53.48%
Cap/Sales(3y)2.6%
Cap/Sales(5y)2.18%
Profit Quality(3y)368.87%
Profit Quality(5y)272.86%
High Growth Momentum
Growth
EPS 1Y (TTM)465.31%
EPS 3Y-7.48%
EPS 5Y-1.65%
EPS Q2Q%36.36%
EPS Next Y24.08%
EPS Next 2Y17.42%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)40.63%
Revenue growth 3Y-0.37%
Revenue growth 5Y0.91%
Sales Q2Q%13.63%
Revenue Next Year13.23%
Revenue Next 2Y9.8%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-11.22%
FCF growth 3Y-8.67%
FCF growth 5Y-1.47%
OCF growth 1Y-11.35%
OCF growth 3Y-7.81%
OCF growth 5Y-1.34%