TOMPKINS FINANCIAL CORP (TMP) Stock Fundamental Analysis
NYSEARCA:TMP - NYSE Arca - US8901101092 - Common Stock - Currency: USD
TMP gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 395 industry peers in the Banks industry. The financial health of TMP is average, but there are quite some concerns on its profitability. TMP has a decent growth rate and is not valued too expensively. Finally 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.
TMP had positive earnings in each of the past 5 years.
In the past 5 years TMP always reported a positive cash flow from operatings.
1.2 Ratios
TMP's Return On Assets of 0.87% is in line compared to the rest of the industry. TMP outperforms 54.94% of its industry peers.
The Return On Equity of TMP (9.93%) is better than 65.06% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.87% | ||
| ROE | 9.93% | ||
| 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 (23.68%) which is in line with 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) | 23.68% | ||
| 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.
Compared to 1 year ago, TMP has about the same amount of shares outstanding.
TMP has less shares outstanding than it did 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 0.42, which is an excellent value as it means it would take TMP, only 0.42 years of fcf income to pay off all of its debts.
TMP has a better Debt to FCF ratio (0.42) than 83.80% of its industry peers.
TMP has a Debt/Equity ratio of 0.05. This is a healthy value indicating a solid balance between debt and equity.
TMP has a better Debt to Equity ratio (0.05) than 81.01% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.05 | ||
| Debt/FCF | 0.42 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.89%
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 993.62%, which is quite impressive.
Measured over the past years, TMP shows a decrease in Earnings Per Share. The EPS has been decreasing by -1.65% on average per year.
TMP shows a strong growth in Revenue. In the last year, the Revenue has grown by 41.39%.
TMP shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 0.91% yearly.
EPS 1Y (TTM)993.62%
EPS 3Y-7.48%
EPS 5Y-1.65%
EPS Q2Q%16.1%
Revenue 1Y (TTM)41.39%
Revenue growth 3Y-0.37%
Revenue growth 5Y0.91%
Sales Q2Q%12.19%
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 13.31% on average per year.
The Revenue is expected to grow by 8.88% on average over the next years. This is quite good.
EPS Next Y13.64%
EPS Next 2Y13.31%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year10.89%
Revenue Next 2Y8.88%
Revenue Next 3YN/A
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
Based on the Price/Earnings ratio of 12.03, the valuation of TMP can be described as correct.
The rest of the industry has a similar Price/Earnings ratio as TMP.
When comparing the Price/Earnings ratio of TMP to the average of the S&P500 Index (24.21), we can say TMP is valued rather cheaply.
The Price/Forward Earnings ratio is 9.73, which indicates a very decent valuation of TMP.
The rest of the industry has a similar Price/Forward Earnings ratio as TMP.
When comparing the Price/Forward Earnings ratio of TMP to the average of the S&P500 Index (20.44), we can say TMP is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.03 | ||
| Fwd PE | 9.73 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, TMP is valued a bit cheaper than the industry average as 63.54% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.05 | ||
| 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 13.31% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.88
PEG (5Y)N/A
EPS Next 2Y13.31%
EPS Next 3YN/A
5. Dividend
5.1 Amount
TMP has a Yearly Dividend Yield of 3.97%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.42, TMP pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.41, TMP pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.97% |
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 49.47% of its income as dividend. 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.
DP49.47%
EPS Next 2Y13.31%
EPS Next 3YN/A
61.83
-0.65 (-1.04%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners67.35%
Inst Owner Change0.13%
Ins Owners3.75%
Ins Owner Change1.99%
Market Cap892.21M
Analysts76.67
Price Target73.95 (19.6%)
Short Float %0.73%
Short Ratio1.77
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.97% |
Yearly Dividend2.45
Dividend Growth(5Y)3.77%
DP49.47%
Div Incr Years25
Div Non Decr Years25
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)11.88%
Min EPS beat(2)6.37%
Max EPS beat(2)17.39%
EPS beat(4)4
Avg EPS beat(4)11.59%
Min EPS beat(4)1.59%
Max EPS beat(4)21.01%
EPS beat(8)5
Avg EPS beat(8)-2.21%
EPS beat(12)7
Avg EPS beat(12)-0.74%
EPS beat(16)10
Avg EPS beat(16)1.53%
Revenue beat(2)2
Avg Revenue beat(2)1.21%
Min Revenue beat(2)0.29%
Max Revenue beat(2)2.14%
Revenue beat(4)3
Avg Revenue beat(4)0.16%
Min Revenue beat(4)-2.78%
Max Revenue beat(4)2.14%
Revenue beat(8)3
Avg Revenue beat(8)-3.06%
Revenue beat(12)4
Avg Revenue beat(12)-2.41%
Revenue beat(16)5
Avg Revenue beat(16)-2.01%
PT rev (1m)-5.23%
PT rev (3m)-5.23%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)6.7%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.82%
Revenue NY rev (3m)2.98%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.03 | ||
| Fwd PE | 9.73 | ||
| P/S | 2.98 | ||
| P/FCF | 10.05 | ||
| P/OCF | 9.4 | ||
| P/B | 1.25 | ||
| P/tB | 1.44 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.14
EY8.31%
EPS(NY)6.35
Fwd EY10.28%
FCF(TTM)6.15
FCFY9.95%
OCF(TTM)6.58
OCFY10.64%
SpS20.74
BVpS49.44
TBVpS42.87
PEG (NY)0.88
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.87% | ||
| ROE | 9.93% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 23.68% | ||
| GM | N/A | ||
| FCFM | 29.66% |
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 | 0.05 | ||
| Debt/FCF | 0.42 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 59.27% | ||
| Cap/Sales | 2.08% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 125.28% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC11.89%
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)993.62%
EPS 3Y-7.48%
EPS 5Y-1.65%
EPS Q2Q%16.1%
EPS Next Y13.64%
EPS Next 2Y13.31%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)41.39%
Revenue growth 3Y-0.37%
Revenue growth 5Y0.91%
Sales Q2Q%12.19%
Revenue Next Year10.89%
Revenue Next 2Y8.88%
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 1Y7.92%
FCF growth 3Y-8.67%
FCF growth 5Y-1.47%
OCF growth 1Y6.7%
OCF growth 3Y-7.81%
OCF growth 5Y-1.34%