TOMPKINS FINANCIAL CORP (TMP) Stock Fundamental Analysis
USA - NYSEARCA:TMP - US8901101092 - Common Stock
69.17 USD
-1.92 (-2.7%)
69.171 USD
0 (0%)
Taking everything into account, TMP scores 4 out of 10 in our fundamental rating. TMP was compared to 392 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.
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's Return On Assets of 0.95% is in line compared to the rest of the industry. TMP outperforms 58.93% of its industry peers.
The Return On Equity of TMP (10.43%) is better than 70.92% 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
TMP has a Profit Margin of 24.98%. This is comparable to the rest of the industry: TMP outperforms 59.18% of its industry peers.
In the last couple of years the Profit Margin of TMP has declined.
TMP does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| 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.
The number of shares outstanding for TMP remains at a similar level compared to 1 year ago.
The number of shares outstanding for TMP has been reduced compared to 5 years ago.
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 1.59, which is an excellent value as it means it would take TMP, only 1.59 years of fcf income to pay off all of its debts.
TMP's Debt to FCF ratio of 1.59 is in line compared to the rest of the industry. TMP outperforms 56.38% of its industry peers.
A Debt/Equity ratio of 0.17 indicates that TMP is not too dependend on debt financing.
TMP has a Debt to Equity ratio of 0.17. This is comparable to the rest of the industry: TMP outperforms 53.06% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 1.59 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.76%
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 465.31% 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.
Looking at the last year, TMP shows a very strong growth in Revenue. The Revenue has grown by 40.63%.
TMP shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 0.91% yearly.
EPS 1Y (TTM)465.31%
EPS 3Y-7.48%
EPS 5Y-1.65%
EPS Q2Q%36.36%
Revenue 1Y (TTM)40.63%
Revenue growth 3Y-0.37%
Revenue growth 5Y0.91%
Sales Q2Q%13.63%
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.
Based on estimates for the next years, TMP will show a quite strong growth in Revenue. The Revenue will grow by 9.80% on average per year.
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
TMP is valuated correctly with a Price/Earnings ratio of 12.49.
The rest of the industry has a similar Price/Earnings ratio as TMP.
Compared to an average S&P500 Price/Earnings ratio of 27.38, TMP is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 10.14, the valuation of TMP can be described as reasonable.
TMP's Price/Forward Earnings ratio is in line with the industry average.
The average S&P500 Price/Forward Earnings ratio is at 22.86. TMP is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.49 | ||
| Fwd PE | 10.14 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of TMP is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.52 | ||
| 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)0.52
PEG (5Y)N/A
EPS Next 2Y17.42%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.49%, TMP has a reasonable but not impressive dividend return.
TMP's Dividend Yield is a higher than the industry average which is at 3.47.
Compared to an average S&P500 Dividend Yield of 2.38, TMP pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.49% |
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 44.70% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of TMP is growing, but earnings are growing more, so the dividend growth is sustainable.
DP44.7%
EPS Next 2Y17.42%
EPS Next 3YN/A
69.17
-1.92 (-2.7%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners67.64%
Inst Owner Change-0.63%
Ins Owners2.18%
Ins Owner Change-0.03%
Market Cap998.12M
Analysts80
Price Target79.56 (15.02%)
Short Float %0.79%
Short Ratio2.26
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.49% |
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)7.59%
EPS NQ rev (1m)0%
EPS NQ rev (3m)11.5%
EPS NY rev (1m)0%
EPS NY rev (3m)9.18%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.13%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.11%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.49 | ||
| Fwd PE | 10.14 | ||
| P/S | 3.14 | ||
| P/FCF | 12.52 | ||
| P/OCF | 11.66 | ||
| P/B | 1.31 | ||
| P/tB | 1.5 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.54
EY8.01%
EPS(NY)6.82
Fwd EY9.87%
FCF(TTM)5.53
FCFY7.99%
OCF(TTM)5.93
OCFY8.58%
SpS22.04
BVpS52.79
TBVpS46.22
PEG (NY)0.52
PEG (5Y)N/A
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
ROICexcg growth 3YN/A
ROICexcg 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
WACC11.76%
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)465.31%
EPS 3Y-7.48%
EPS 5Y-1.65%
EPS Q2Q%36.36%
EPS Next Y24.08%
EPS Next 2Y17.42%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)40.63%
Revenue growth 3Y-0.37%
Revenue growth 5Y0.91%
Sales Q2Q%13.63%
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%