TOMPKINS FINANCIAL CORP (TMP) Stock Fundamental Analysis
USA - NYSEARCA:TMP - US8901101092 - Common Stock
63.46 USD
-0.86 (-1.34%)
63.46 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to TMP. TMP was compared to 390 industry peers in the Banks industry. Both the profitability and financial health of TMP have multiple concerns. TMP has a decent growth rate and is not valued too expensively. TMP also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
TMP had positive earnings in the past year.
In the past year TMP had a positive cash flow from operations.
In the past 5 years TMP has always been profitable.
In the past 5 years TMP always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.95%, TMP is in line with its industry, outperforming 58.97% of the companies in the same industry.
TMP has a Return On Equity of 10.43%. This is in the better half of the industry: TMP outperforms 69.74% 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
With a Profit Margin value of 24.98%, TMP perfoms like the industry average, outperforming 59.49% of the companies in the same industry.
TMP's Profit Margin has declined in the last couple of years.
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) | 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.
Compared to 5 years ago, TMP has less shares outstanding
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.
TMP has a Debt to FCF ratio (1.59) which 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.
TMP's Debt to Equity ratio of 0.17 is in line compared to the rest of the industry. TMP outperforms 53.59% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 1.59 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.74%
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 27.21%, 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 36.16%.
TMP shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 0.91% yearly.
EPS 1Y (TTM)27.21%
EPS 3Y-7.48%
EPS 5Y-1.65%
EPS Q2Q%26.92%
Revenue 1Y (TTM)36.16%
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 17.42% on average per year.
TMP is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.80% yearly.
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
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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
The Price/Earnings ratio is 10.77, which indicates a very decent 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.
When comparing the Price/Earnings ratio of TMP to the average of the S&P500 Index (26.10), we can say TMP is valued rather cheaply.
A Price/Forward Earnings ratio of 9.30 indicates a reasonable valuation of TMP.
The rest of the industry has a similar Price/Forward Earnings ratio as TMP.
TMP's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.52.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.77 | ||
| Fwd PE | 9.3 |
4.2 Price Multiples
TMP's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.48 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
TMP's earnings are expected to grow with 17.42% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.45
PEG (5Y)N/A
EPS Next 2Y17.42%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.04%, TMP is a good candidate for dividend investing.
TMP's Dividend Yield is a higher than the industry average which is at 3.45.
Compared to an average S&P500 Dividend Yield of 2.35, TMP pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.04% |
5.2 History
The dividend of TMP has a limited annual growth rate of 3.77%.
TMP has paid a dividend for at least 10 years, which is 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 44.70% 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.
DP44.7%
EPS Next 2Y17.42%
EPS Next 3YN/A
63.46
-0.86 (-1.34%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners68.22%
Inst Owner Change0.02%
Ins Owners2.16%
Ins Owner Change-0.03%
Market Cap915.73M
Revenue(TTM)299.23M
Net Income(TTM)79.45M
Analysts80
Price Target81.6 (28.58%)
Short Float %0.87%
Short Ratio2.64
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.04% |
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)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.67%
EPS NY rev (1m)0%
EPS NY rev (3m)9.18%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.75%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.11%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.77 | ||
| Fwd PE | 9.3 | ||
| P/S | 2.88 | ||
| P/FCF | 11.48 | ||
| P/OCF | 10.7 | ||
| P/B | 1.2 | ||
| P/tB | 1.37 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.89
EY9.28%
EPS(NY)6.82
Fwd EY10.75%
FCF(TTM)5.53
FCFY8.71%
OCF(TTM)5.93
OCFY9.35%
SpS22.04
BVpS52.79
TBVpS46.22
PEG (NY)0.45
PEG (5Y)N/A
Graham Number83.64
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
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 | 0.17 | ||
| 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
WACC11.74%
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 Y24.08%
EPS Next 2Y17.42%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)36.16%
Revenue growth 3Y-0.37%
Revenue growth 5Y0.91%
Sales Q2Q%14.19%
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%
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 of TOMPKINS FINANCIAL CORP (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 are the PE and PB ratios of TOMPKINS FINANCIAL CORP (TMP) stock?
The Price/Earnings (PE) ratio for TOMPKINS FINANCIAL CORP (TMP) is 10.77 and the Price/Book (PB) ratio is 1.2.
How sustainable is the dividend of TOMPKINS FINANCIAL CORP (TMP) stock?
The dividend rating of TOMPKINS FINANCIAL CORP (TMP) is 8 / 10 and the dividend payout ratio is 44.7%.