74.72 USD
+1.26 (+1.72%)
74.72 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to TMP. TMP was compared to 383 industry peers in the Banks industry. TMP scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. TMP has a correct valuation and a medium growth rate. Finally TMP also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- In the past year TMP was profitable.
- In the past year TMP had a positive cash flow from operations.
- TMP had positive earnings in each of the past 5 years.
- TMP had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- TMP has a Return On Assets of 1.00%. This is comparable to the rest of the industry: TMP outperforms 59.79% of its industry peers.
- The Return On Equity of TMP (10.71%) is better than 71.02% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1% | ||
| ROE | 10.71% | ||
| 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 has a Profit Margin (25.69%) which is in line with its industry peers.
- In the last couple of years the Profit Margin of TMP has declined.
- The Operating Margin and Gross Margin are not available for TMP so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 25.69% | ||
| 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.
- Compared to 5 years ago, TMP has less shares outstanding
- The debt/assets ratio for TMP has been reduced compared to a year ago.
2.2 Solvency
- The Debt to FCF ratio of TMP is 0.85, which is an excellent value as it means it would take TMP, only 0.85 years of fcf income to pay off all of its debts.
- With a decent Debt to FCF ratio value of 0.85, TMP is doing good in the industry, outperforming 70.76% of the companies in the same industry.
- A Debt/Equity ratio of 0.10 indicates that TMP is not too dependend on debt financing.
- TMP has a better Debt to Equity ratio (0.10) than 67.36% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 0.85 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.28%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 27.21% over the past year.
- TMP shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -1.65% yearly.
- The Revenue has grown by 12.12% in the past year. This is quite good.
- The Revenue has been growing slightly by 0.91% on average over the past years.
EPS 1Y (TTM)27.21%
EPS 3Y-7.48%
EPS 5Y-1.65%
EPS Q2Q%26.92%
Revenue 1Y (TTM)12.12%
Revenue growth 3Y-0.37%
Revenue growth 5Y0.91%
Sales Q2Q%14.19%
3.2 Future
- Based on estimates for the next years, TMP will show a quite strong growth in Earnings Per Share. The EPS will grow by 17.31% on average per year.
- TMP is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.16% yearly.
EPS Next Y27.22%
EPS Next 2Y21.99%
EPS Next 3Y17.31%
EPS Next 5YN/A
Revenue Next Year13.33%
Revenue Next 2Y7.46%
Revenue Next 3Y7.16%
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.
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- TMP is valuated correctly with a Price/Earnings ratio of 12.69.
- Compared to the rest of the industry, the Price/Earnings ratio of TMP is on the same level as its industry peers.
- TMP's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.33.
- With a Price/Forward Earnings ratio of 10.14, the valuation of TMP can be described as very reasonable.
- TMP's Price/Forward Earnings ratio is in line with the industry average.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.12, TMP is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.69 | ||
| Fwd PE | 10.14 |
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 | 11.38 | ||
| 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 17.31% in the coming years.
PEG (NY)0.47
PEG (5Y)N/A
EPS Next 2Y21.99%
EPS Next 3Y17.31%
5. Dividend
5.1 Amount
- TMP has a Yearly Dividend Yield of 3.46%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 2.89, TMP pays a bit more dividend than its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.91, TMP pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.46% |
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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)3.77%
Div Incr Years25
Div Non Decr Years25
5.3 Sustainability
- TMP pays out 42.22% of its income as dividend. This is a bit on the high side, but may be sustainable.
- TMP's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP42.22%
EPS Next 2Y21.99%
EPS Next 3Y17.31%
74.72
+1.26 (+1.72%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-24 2025-10-24/bmo
Earnings (Next)01-23 2026-01-23/bmo
Inst Owners67.6%
Inst Owner Change0.03%
Ins Owners2.22%
Ins Owner Change1.36%
Market Cap1.08B
Revenue(TTM)328.89M
Net Income(TTM)84.48M
Analysts76.67
Price Target79.56 (6.48%)
Short Float %0.94%
Short Ratio2.25
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.46% |
Yearly Dividend2.45
Dividend Growth(5Y)3.77%
DP42.22%
Div Incr Years25
Div Non Decr Years25
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.08%
Min EPS beat(2)-4.02%
Max EPS beat(2)3.86%
EPS beat(4)3
Avg EPS beat(4)5.22%
Min EPS beat(4)-4.02%
Max EPS beat(4)17.39%
EPS beat(8)6
Avg EPS beat(8)4.17%
EPS beat(12)7
Avg EPS beat(12)-1.61%
EPS beat(16)9
Avg EPS beat(16)-1.13%
Revenue beat(2)1
Avg Revenue beat(2)0.2%
Min Revenue beat(2)-0.49%
Max Revenue beat(2)0.89%
Revenue beat(4)3
Avg Revenue beat(4)1.11%
Min Revenue beat(4)-0.49%
Max Revenue beat(4)2.14%
Revenue beat(8)5
Avg Revenue beat(8)-0.64%
Revenue beat(12)5
Avg Revenue beat(12)-2.14%
Revenue beat(16)6
Avg Revenue beat(16)-1.7%
PT rev (1m)1.3%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)13.45%
EPS NY rev (1m)1.05%
EPS NY rev (3m)2.53%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.59%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.09%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.69 | ||
| Fwd PE | 10.14 | ||
| P/S | 3.28 | ||
| P/FCF | 11.38 | ||
| P/OCF | 10.86 | ||
| P/B | 1.37 | ||
| P/tB | 1.55 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.89
EY7.88%
EPS(NY)7.37
Fwd EY9.86%
FCF(TTM)6.56
FCFY8.78%
OCF(TTM)6.88
OCFY9.21%
SpS22.79
BVpS54.66
TBVpS48.09
PEG (NY)0.47
PEG (5Y)N/A
Graham Number85.11
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1% | ||
| ROE | 10.71% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 25.69% | ||
| GM | N/A | ||
| FCFM | 28.8% |
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
ROICexgc growth 3YN/A
ROICexgc 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 | 0.1 | ||
| Debt/FCF | 0.85 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 51.74% | ||
| Cap/Sales | 1.4% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 112.11% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC11.28%
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)27.21%
EPS 3Y-7.48%
EPS 5Y-1.65%
EPS Q2Q%26.92%
EPS Next Y27.22%
EPS Next 2Y21.99%
EPS Next 3Y17.31%
EPS Next 5YN/A
Revenue 1Y (TTM)12.12%
Revenue growth 3Y-0.37%
Revenue growth 5Y0.91%
Sales Q2Q%14.19%
Revenue Next Year13.33%
Revenue Next 2Y7.46%
Revenue Next 3Y7.16%
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 1Y13.02%
FCF growth 3Y-8.67%
FCF growth 5Y-1.47%
OCF growth 1Y9.04%
OCF growth 3Y-7.81%
OCF growth 5Y-1.34%
TOMPKINS FINANCIAL CORP / TMP FAQ
What is the ChartMill fundamental rating of TOMPKINS FINANCIAL CORP (TMP) stock?
ChartMill assigns a fundamental rating of 4 / 10 to TMP.
What is the valuation status for TMP stock?
ChartMill assigns a valuation rating of 5 / 10 to TOMPKINS FINANCIAL CORP (TMP). This can be considered as Fairly Valued.
How profitable is TOMPKINS FINANCIAL CORP (TMP) stock?
TOMPKINS FINANCIAL CORP (TMP) has a profitability rating of 3 / 10.
What is the valuation of TOMPKINS FINANCIAL CORP based on its PE and PB ratios?
The Price/Earnings (PE) ratio for TOMPKINS FINANCIAL CORP (TMP) is 12.69 and the Price/Book (PB) ratio is 1.37.
Can you provide the financial health for TMP stock?
The financial health rating of TOMPKINS FINANCIAL CORP (TMP) is 4 / 10.