TOMPKINS FINANCIAL CORP (TMP) Fundamental Analysis & Valuation

NYSEARCA:TMP • US8901101092

Current stock price

84.11 USD
+0.78 (+0.94%)
Last:

This TMP fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. TMP Profitability Analysis

1.1 Basic Checks

  • TMP had positive earnings in the past year.
  • In the past year TMP had a positive cash flow from operations.
  • Each year in the past 5 years TMP has been profitable.
  • TMP had a positive operating cash flow in each of the past 5 years.
TMP Yearly Net Income VS EBIT VS OCF VS FCFTMP Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 1.86%, TMP belongs to the top of the industry, outperforming 94.41% of the companies in the same industry.
  • TMP has a better Return On Equity (17.16%) than 96.01% of its industry peers.
Industry RankSector Rank
ROA 1.86%
ROE 17.16%
ROIC N/A
ROA(3y)0.95%
ROA(5y)1.02%
ROE(3y)9.5%
ROE(5y)10.89%
ROIC(3y)N/A
ROIC(5y)N/A
TMP Yearly ROA, ROE, ROICTMP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • Looking at the Profit Margin, with a value of 36.07%, TMP belongs to the top of the industry, outperforming 90.96% of the companies in the same industry.
  • TMP's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for TMP so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 36.07%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y9.46%
PM growth 5Y7.07%
GM growth 3YN/A
GM growth 5YN/A
TMP Yearly Profit, Operating, Gross MarginsTMP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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2

2. TMP Health Analysis

2.1 Basic Checks

  • TMP does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for TMP remains at a similar level compared to 1 year ago.
  • TMP has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for TMP is higher compared to a year ago.
TMP Yearly Shares OutstandingTMP Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M
TMP Yearly Total Debt VS Total AssetsTMP Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B

2.2 Solvency

  • TMP has a debt to FCF ratio of 2.99. This is a good value and a sign of high solvency as TMP would need 2.99 years to pay back of all of its debts.
  • TMP's Debt to FCF ratio of 2.99 is on the low side compared to the rest of the industry. TMP is outperformed by 60.37% of its industry peers.
  • A Debt/Equity ratio of 0.10 indicates that TMP is not too dependend on debt financing.
  • The Debt to Equity ratio of TMP (0.10) is better than 67.29% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 2.99
Altman-Z N/A
ROIC/WACCN/A
WACC10.65%
TMP Yearly LT Debt VS Equity VS FCFTMP Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
TMP Yearly Current Assets VS Current LiabilitesTMP Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. TMP Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 126.67% over the past year.
  • TMP shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 16.45% yearly.
  • Looking at the last year, TMP shows a very strong growth in Revenue. The Revenue has grown by 49.25%.
  • TMP shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.34% yearly.
EPS 1Y (TTM)126.67%
EPS 3Y23.96%
EPS 5Y16.45%
EPS Q2Q%389.05%
Revenue 1Y (TTM)49.25%
Revenue growth 3Y13.15%
Revenue growth 5Y8.34%
Sales Q2Q%152.66%

3.2 Future

  • TMP is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -14.89% yearly.
  • Based on estimates for the next years, TMP will show a decrease in Revenue. The Revenue will decrease by -1.37% on average per year.
EPS Next Y-33.72%
EPS Next 2Y-14.89%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-9.88%
Revenue Next 2Y-1.37%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
TMP Yearly Revenue VS EstimatesTMP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M 400M
TMP Yearly EPS VS EstimatesTMP Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6 8 10

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4

4. TMP Valuation Analysis

4.1 Price/Earnings Ratio

  • TMP is valuated cheaply with a Price/Earnings ratio of 7.50.
  • Compared to the rest of the industry, the Price/Earnings ratio of TMP indicates a rather cheap valuation: TMP is cheaper than 94.68% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.66, TMP is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 11.31, 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 (38.00), we can say TMP is valued rather cheaply.
Industry RankSector Rank
PE 7.5
Fwd PE 11.31
TMP Price Earnings VS Forward Price EarningsTMP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • 81.65% of the companies in the same industry are cheaper than TMP, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 37.94
EV/EBITDA N/A
TMP Per share dataTMP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

4.3 Compensation for Growth

  • TMP's earnings are expected to decrease with -14.89% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.46
EPS Next 2Y-14.89%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. TMP Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 3.21%, TMP has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.57, TMP pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.81, TMP pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.21%

5.2 History

  • The dividend of TMP has a limited annual growth rate of 3.54%.
  • 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)3.54%
Div Incr Years26
Div Non Decr Years26
TMP Yearly Dividends per shareTMP Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2 2.5

5.3 Sustainability

  • TMP pays out 22.41% of its income as dividend. This is a sustainable payout ratio.
DP22.41%
EPS Next 2Y-14.89%
EPS Next 3YN/A
TMP Yearly Income VS Free CF VS DividendTMP Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M
TMP Dividend Payout.TMP Dividend Payout, showing the Payout Ratio.TMP Dividend Payout.PayoutRetained Earnings

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TMP Fundamentals: All Metrics, Ratios and Statistics

TOMPKINS FINANCIAL CORP

NYSEARCA:TMP (4/22/2026, 11:43:11 AM)

84.11

+0.78 (+0.94%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-30
Earnings (Next)04-23
Inst Owners68.81%
Inst Owner Change0.31%
Ins Owners2.22%
Ins Owner Change1.66%
Market Cap1.21B
Revenue(TTM)446.60M
Net Income(TTM)161.07M
Analysts76.67
Price Target86.19 (2.47%)
Short Float %1.42%
Short Ratio2.53
Dividend
Industry RankSector Rank
Dividend Yield 3.21%
Yearly Dividend2.52
Dividend Growth(5Y)3.54%
DP22.41%
Div Incr Years26
Div Non Decr Years26
Ex-Date02-13
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)142.13%
Min EPS beat(2)-4.02%
Max EPS beat(2)288.27%
EPS beat(4)3
Avg EPS beat(4)72.94%
Min EPS beat(4)-4.02%
Max EPS beat(4)288.27%
EPS beat(8)7
Avg EPS beat(8)42.27%
EPS beat(12)8
Avg EPS beat(12)22.84%
EPS beat(16)10
Avg EPS beat(16)17.68%
Revenue beat(2)1
Avg Revenue beat(2)20.59%
Min Revenue beat(2)-0.49%
Max Revenue beat(2)41.67%
Revenue beat(4)3
Avg Revenue beat(4)10.99%
Min Revenue beat(4)-0.49%
Max Revenue beat(4)41.67%
Revenue beat(8)6
Avg Revenue beat(8)5.58%
Revenue beat(12)6
Avg Revenue beat(12)1.63%
Revenue beat(16)7
Avg Revenue beat(16)0.94%
PT rev (1m)0%
PT rev (3m)8.33%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.17%
EPS NY rev (1m)0%
EPS NY rev (3m)0.95%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.02%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.96%
Valuation
Industry RankSector Rank
PE 7.5
Fwd PE 11.31
P/S 2.71
P/FCF 37.94
P/OCF 31.18
P/B 1.29
P/tB 1.4
EV/EBITDA N/A
EPS(TTM)11.22
EY13.34%
EPS(NY)7.44
Fwd EY8.84%
FCF(TTM)2.22
FCFY2.64%
OCF(TTM)2.7
OCFY3.21%
SpS30.99
BVpS65.12
TBVpS59.96
PEG (NY)N/A
PEG (5Y)0.46
Graham Number128.217 (52.44%)
Profitability
Industry RankSector Rank
ROA 1.86%
ROE 17.16%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 36.07%
GM N/A
FCFM 7.15%
ROA(3y)0.95%
ROA(5y)1.02%
ROE(3y)9.5%
ROE(5y)10.89%
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 3Y9.46%
PM growth 5Y7.07%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 2.99
Debt/EBITDA N/A
Cap/Depr 80.32%
Cap/Sales 1.55%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 19.84%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC10.65%
ROIC/WACCN/A
Cap/Depr(3y)65.74%
Cap/Depr(5y)61.68%
Cap/Sales(3y)2.23%
Cap/Sales(5y)2.18%
Profit Quality(3y)338.06%
Profit Quality(5y)251.59%
High Growth Momentum
Growth
EPS 1Y (TTM)126.67%
EPS 3Y23.96%
EPS 5Y16.45%
EPS Q2Q%389.05%
EPS Next Y-33.72%
EPS Next 2Y-14.89%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)49.25%
Revenue growth 3Y13.15%
Revenue growth 5Y8.34%
Sales Q2Q%152.66%
Revenue Next Year-9.88%
Revenue Next 2Y-1.37%
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-64%
FCF growth 3Y-30.5%
FCF growth 5Y-19.88%
OCF growth 1Y-59.07%
OCF growth 3Y-27.81%
OCF growth 5Y-17.45%

TOMPKINS FINANCIAL CORP / TMP Fundamental Analysis 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 4 / 10 to TOMPKINS FINANCIAL CORP (TMP). This can be considered as Fairly Valued.


Can you provide the profitability details for TOMPKINS FINANCIAL CORP?

TOMPKINS FINANCIAL CORP (TMP) has a profitability rating of 5 / 10.


Can you provide the PE and PB ratios for TMP stock?

The Price/Earnings (PE) ratio for TOMPKINS FINANCIAL CORP (TMP) is 7.5 and the Price/Book (PB) ratio is 1.29.


How sustainable is the dividend of TOMPKINS FINANCIAL CORP (TMP) stock?

The dividend rating of TOMPKINS FINANCIAL CORP (TMP) is 7 / 10 and the dividend payout ratio is 22.41%.