TOMPKINS FINANCIAL CORP (TMP) Fundamental Analysis & Valuation
NYSEARCA:TMP • US8901101092
74.36 USD
-0.88 (-1.17%)
At close: Mar 11, 2026
74.36 USD
0 (0%)
After Hours: 3/11/2026, 8:04:00 PM
This TMP fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
TMP gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 381 industry peers in the Banks industry. There are concerns on the financial health of TMP while its profitability can be described as average. TMP has a correct valuation and a medium growth rate. Finally TMP also has an excellent dividend rating.
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.
- Each year in the past 5 years TMP had a positive operating cash flow.
1.2 Ratios
- TMP has a Return On Assets of 1.86%. This is amongst the best in the industry. TMP outperforms 94.49% of its industry peers.
- TMP's Return On Equity of 17.16% is amongst the best of the industry. TMP outperforms 95.54% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
- TMP's Profit Margin of 36.07% is amongst the best of the industry. TMP outperforms 91.86% of its industry peers.
- In the last couple of years the Profit Margin of TMP has grown nicely.
- 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) | 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
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.
- TMP has about the same amout of shares outstanding than it did 1 year ago.
- The number of shares outstanding for TMP has been reduced compared to 5 years ago.
- The debt/assets ratio for TMP is higher compared to a year ago.
2.2 Solvency
- The Debt to FCF ratio of TMP is 2.99, which is a good value as it means it would take TMP, 2.99 years of fcf income to pay off all of its debts.
- TMP has a Debt to FCF ratio of 2.99. This is in the lower half of the industry: TMP underperforms 61.15% of its industry peers.
- TMP has a Debt/Equity ratio of 0.10. This is a healthy value indicating a solid balance between debt and equity.
- The Debt to Equity ratio of TMP (0.10) is better than 66.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 2.99 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.8%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. TMP Growth Analysis
3.1 Past
- The Earnings Per Share has grown by an impressive 126.67% over the past year.
- Measured over the past years, TMP shows a quite strong growth in Earnings Per Share. The EPS has been growing by 16.45% on average per year.
- The Revenue has grown by 49.25% in the past year. This is a very strong growth!
- Measured over the past years, TMP shows a quite strong growth in Revenue. The Revenue has been growing by 8.34% on average per year.
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
- The Earnings Per Share is expected to decrease by -14.89% on average over the next years. This is quite bad
- 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.
4. TMP Valuation Analysis
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 6.63, the valuation of TMP can be described as very cheap.
- Compared to the rest of the industry, the Price/Earnings ratio of TMP indicates a rather cheap valuation: TMP is cheaper than 95.28% of the companies listed in the same industry.
- TMP's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.15.
- Based on the Price/Forward Earnings ratio of 10.00, the valuation of TMP can be described as reasonable.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of TMP is on the same level as its industry peers.
- TMP is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.27, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.63 | ||
| Fwd PE | 10 |
4.2 Price Multiples
- TMP's Price/Free Cash Flow ratio is rather expensive when compared to the industry. TMP is more expensive than 80.05% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 33.56 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- A cheap valuation may be justified as TMP's earnings are expected to decrease with -14.89% in the coming years.
PEG (NY)N/A
PEG (5Y)0.4
EPS Next 2Y-14.89%
EPS Next 3YN/A
5. TMP Dividend Analysis
5.1 Amount
- TMP has a Yearly Dividend Yield of 3.46%.
- Compared to an average industry Dividend Yield of 2.86, TMP pays a bit more dividend than its industry peers.
- TMP's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.46% |
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 Years25
Div Non Decr Years25
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 Fundamentals: All Metrics, Ratios and Statistics
74.36
-0.88 (-1.17%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-30 2026-01-30/bmo
Earnings (Next)04-23 2026-04-23
Inst Owners68.93%
Inst Owner Change1.75%
Ins Owners2.22%
Ins Owner Change1.56%
Market Cap1.07B
Revenue(TTM)446.60M
Net Income(TTM)161.07M
Analysts76.67
Price Target86.19 (15.91%)
Short Float %1.09%
Short Ratio2.11
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.46% |
Yearly Dividend2.52
Dividend Growth(5Y)3.54%
DP22.41%
Div Incr Years25
Div Non Decr Years25
Ex-Date02-13 2026-02-13 (0.67)
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)4.32%
PT rev (3m)9.74%
EPS NQ rev (1m)1.01%
EPS NQ rev (3m)-0.17%
EPS NY rev (1m)0.95%
EPS NY rev (3m)1.73%
Revenue NQ rev (1m)0.9%
Revenue NQ rev (3m)1.02%
Revenue NY rev (1m)1.96%
Revenue NY rev (3m)1.96%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.63 | ||
| Fwd PE | 10 | ||
| P/S | 2.4 | ||
| P/FCF | 33.56 | ||
| P/OCF | 27.59 | ||
| P/B | 1.14 | ||
| P/tB | 1.24 | ||
| EV/EBITDA | N/A |
EPS(TTM)11.22
EY15.09%
EPS(NY)7.44
Fwd EY10%
FCF(TTM)2.22
FCFY2.98%
OCF(TTM)2.7
OCFY3.63%
SpS30.97
BVpS65.07
TBVpS59.91
PEG (NY)N/A
PEG (5Y)0.4
Graham Number128.17
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC10.8%
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 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.
How profitable is TOMPKINS FINANCIAL CORP (TMP) stock?
TOMPKINS FINANCIAL CORP (TMP) has a profitability rating of 5 / 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 6.63 and the Price/Book (PB) ratio is 1.14.
Can you provide the financial health for TMP stock?
The financial health rating of TOMPKINS FINANCIAL CORP (TMP) is 2 / 10.