TOMPKINS FINANCIAL CORP (TMP) Fundamental Analysis & Valuation

NYSEARCA:TMP • US8901101092

Current stock price

84.32 USD
-0.82 (-0.96%)
At close:
84.4099 USD
+0.09 (+0.11%)
After Hours:

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.
  • TMP had a positive operating cash flow in the past year.
  • 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.
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

  • With an excellent Return On Assets value of 1.86%, TMP belongs to the best of the industry, outperforming 94.43% of the companies in the same industry.
  • TMP's Return On Equity of 17.16% is amongst the best of the industry. TMP outperforms 96.02% 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

  • TMP has a better Profit Margin (36.07%) than 90.98% of its industry peers.
  • In the last couple of years the Profit Margin of TMP has grown nicely.
  • TMP does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
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.
  • Compared to 1 year ago, TMP has about the same amount of shares outstanding.
  • The number of shares outstanding for TMP has been reduced compared to 5 years ago.
  • TMP has a worse debt/assets ratio than last year.
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 has a Debt to FCF ratio of 2.99. This is in the lower half of the industry: TMP underperforms 60.21% 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.
  • With a decent Debt to Equity ratio value of 0.10, TMP is doing good in the industry, outperforming 67.37% of the companies in the same industry.
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

  • TMP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 126.67%, which is quite impressive.
  • The Earnings Per Share has been growing by 16.45% on average over the past years. This is quite good.
  • The Revenue has grown by 49.25% in the past year. This is a very strong growth!
  • 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

  • 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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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 7.52.
  • Based on the Price/Earnings ratio, TMP is valued cheaper than 94.69% of the companies in the same industry.
  • TMP is valuated cheaply when we compare the Price/Earnings ratio to 27.33, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 11.34, which indicates a very decent valuation of TMP.
  • The rest of the industry has a similar Price/Forward Earnings ratio as TMP.
  • The average S&P500 Price/Forward Earnings ratio is at 38.16. TMP is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 7.52
Fwd PE 11.34
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

  • Based on the Price/Free Cash Flow ratio, TMP is valued more expensive than 81.70% of the companies in the same industry.
Industry RankSector Rank
P/FCF 38.06
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

More info and screens

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

7

5. TMP Dividend Analysis

5.1 Amount

  • TMP has a Yearly Dividend Yield of 3.13%. Purely for dividend investing, there may be better candidates out there.
  • TMP's Dividend Yield is a higher than the industry average which is at 2.53.
  • Compared to an average S&P500 Dividend Yield of 1.82, TMP pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.13%

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 their dividend for at least 10 years, which is a reliable track record.
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 (4/14/2026, 8:04:00 PM)

After market: 84.4099 +0.09 (+0.11%)

84.32

-0.82 (-0.96%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-30
Earnings (Next)04-23
Inst Owners68.81%
Inst Owner Change-0.25%
Ins Owners2.22%
Ins Owner Change1.66%
Market Cap1.22B
Revenue(TTM)446.60M
Net Income(TTM)161.07M
Analysts76.67
Price Target86.19 (2.22%)
Short Float %1.42%
Short Ratio2.53
Dividend
Industry RankSector Rank
Dividend Yield 3.13%
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 7.52
Fwd PE 11.34
P/S 2.72
P/FCF 38.06
P/OCF 31.28
P/B 1.3
P/tB 1.41
EV/EBITDA N/A
EPS(TTM)11.22
EY13.31%
EPS(NY)7.44
Fwd EY8.82%
FCF(TTM)2.22
FCFY2.63%
OCF(TTM)2.7
OCFY3.2%
SpS30.97
BVpS65.07
TBVpS59.91
PEG (NY)N/A
PEG (5Y)0.46
Graham Number128.172 (52.01%)
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 7.52 and the Price/Book (PB) ratio is 1.3.


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%.