69.69 USD
+0.58 (+0.84%)
69.69 USD
0 (0%)
TMP gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 387 industry peers in the Banks industry. While TMP seems to be doing ok healthwise, there are quite some concerns on its profitability. 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.
TMP had a positive operating cash flow in the past year.
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 (1.00%) which is comparable to the rest of the industry.
TMP has a Return On Equity of 10.71%. This is in the better half of the industry: TMP outperforms 71.83% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1% | ||
| ROE | 10.71% | ||
| 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 better Profit Margin (25.69%) than 60.21% of its industry peers.
TMP's Profit Margin has declined in the last couple of years.
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) | 25.69% | ||
| 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.
Compared to 5 years ago, TMP has less shares outstanding
Compared to 1 year ago, TMP has an improved debt to assets ratio.
2.2 Solvency
TMP has a debt to FCF ratio of 0.85. This is a very positive value and a sign of high solvency as it would only need 0.85 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.85, TMP is in the better half of the industry, outperforming 71.83% of the companies in the same industry.
A Debt/Equity ratio of 0.10 indicates that TMP is not too dependend on debt financing.
TMP has a better Debt to Equity ratio (0.10) than 67.44% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 0.85 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.41%
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.
TMP shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 12.12%.
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)12.12%
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 15.85% on average per year.
TMP is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.56% yearly.
EPS Next Y23.49%
EPS Next 2Y19.07%
EPS Next 3Y15.85%
EPS Next 5YN/A
Revenue Next Year14.17%
Revenue Next 2Y10.99%
Revenue Next 3Y9.56%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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 reasonably with a Price/Earnings ratio of 11.83.
The rest of the industry has a similar Price/Earnings ratio as TMP.
TMP's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.11.
With a Price/Forward Earnings ratio of 9.93, the valuation of TMP can be described as very reasonable.
TMP's Price/Forward Earnings is on the same level as the industry average.
The average S&P500 Price/Forward Earnings ratio is at 36.21. TMP is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.83 | ||
| Fwd PE | 9.93 |
4.2 Price Multiples
TMP's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. TMP is cheaper than 60.72% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.62 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
TMP's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as TMP's earnings are expected to grow with 15.85% in the coming years.
PEG (NY)0.5
PEG (5Y)N/A
EPS Next 2Y19.07%
EPS Next 3Y15.85%
5. Dividend
5.1 Amount
TMP has a Yearly Dividend Yield of 3.72%.
Compared to an average industry Dividend Yield of 3.15, TMP pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.32, TMP pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.72% |
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
42.22% of the earnings are spent on dividend by TMP. 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.
DP42.22%
EPS Next 2Y19.07%
EPS Next 3Y15.85%
69.69
+0.58 (+0.84%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners68.22%
Inst Owner Change-1.11%
Ins Owners2.16%
Ins Owner Change1.65%
Market Cap1.01B
Revenue(TTM)328.89M
Net Income(TTM)84.48M
Analysts80
Price Target81.6 (17.09%)
Short Float %0.84%
Short Ratio2.4
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.72% |
Yearly Dividend2.45
Dividend Growth(5Y)3.77%
DP42.22%
Div Incr Years25
Div Non Decr Years25
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.08%
Min EPS beat(2)-4.02%
Max EPS beat(2)3.86%
EPS beat(4)3
Avg EPS beat(4)5.22%
Min EPS beat(4)-4.02%
Max EPS beat(4)17.39%
EPS beat(8)6
Avg EPS beat(8)4.17%
EPS beat(12)7
Avg EPS beat(12)-1.61%
EPS beat(16)9
Avg EPS beat(16)-1.13%
Revenue beat(2)1
Avg Revenue beat(2)0.2%
Min Revenue beat(2)-0.49%
Max Revenue beat(2)0.89%
Revenue beat(4)3
Avg Revenue beat(4)1.11%
Min Revenue beat(4)-0.49%
Max Revenue beat(4)2.14%
Revenue beat(8)5
Avg Revenue beat(8)-0.64%
Revenue beat(12)5
Avg Revenue beat(12)-2.14%
Revenue beat(16)6
Avg Revenue beat(16)-1.7%
PT rev (1m)0%
PT rev (3m)2.56%
EPS NQ rev (1m)7.65%
EPS NQ rev (3m)9.36%
EPS NY rev (1m)-0.48%
EPS NY rev (3m)-0.48%
Revenue NQ rev (1m)-2.88%
Revenue NQ rev (3m)-0.59%
Revenue NY rev (1m)0.83%
Revenue NY rev (3m)0.83%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.83 | ||
| Fwd PE | 9.93 | ||
| P/S | 3.06 | ||
| P/FCF | 10.62 | ||
| P/OCF | 10.12 | ||
| P/B | 1.27 | ||
| P/tB | 1.45 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.89
EY8.45%
EPS(NY)7.02
Fwd EY10.07%
FCF(TTM)6.56
FCFY9.42%
OCF(TTM)6.88
OCFY9.88%
SpS22.79
BVpS54.66
TBVpS48.09
PEG (NY)0.5
PEG (5Y)N/A
Graham Number85.11
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1% | ||
| ROE | 10.71% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 25.69% | ||
| GM | N/A | ||
| FCFM | 28.8% |
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 | 0.1 | ||
| Debt/FCF | 0.85 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 51.74% | ||
| Cap/Sales | 1.4% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 112.11% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC11.41%
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 Y23.49%
EPS Next 2Y19.07%
EPS Next 3Y15.85%
EPS Next 5YN/A
Revenue 1Y (TTM)12.12%
Revenue growth 3Y-0.37%
Revenue growth 5Y0.91%
Sales Q2Q%14.19%
Revenue Next Year14.17%
Revenue Next 2Y10.99%
Revenue Next 3Y9.56%
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 1Y13.02%
FCF growth 3Y-8.67%
FCF growth 5Y-1.47%
OCF growth 1Y9.04%
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 5 / 10 to TMP.
What is the valuation status of TOMPKINS FINANCIAL CORP (TMP) stock?
ChartMill assigns a valuation rating of 6 / 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 11.83 and the Price/Book (PB) ratio is 1.27.
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 42.22%.