TMP Tompkins Financial Corp

Price (delayed)

$73.05

Market cap

$1.06B

P/E Ratio

12.47

Dividend/share

$2.28

EPS

$5.86

Enterprise value

$1.32B

Tompkins Financial Corporation is a financial services company serving the Central, Western, and Hudson Valley regions of New York and the Southeastern region of Pennsylvania. Headquartered in Ithaca, NY, Tompkins ...

Highlights
TMP's P/E is 20% below its 5-year quarterly average of 15.5 and 4.1% below its last 4 quarters average of 13.0
The debt has soared by 195% QoQ and by 13% YoY
The equity has declined by 14% year-on-year and by 5% since the previous quarter

Key stats

What are the main financial stats of TMP
Market
Shares outstanding
14.49M
Market cap
$1.06B
Enterprise value
$1.32B
Valuations
Price to earnings (P/E)
12.47
Price to book (P/B)
1.7
Price to sales (P/S)
3.48
EV/EBIT
12
EV/EBITDA
10.87
EV/Sales
4.34
Earnings
Revenue
$304.7M
EBIT
$110.29M
EBITDA
$121.77M
Free cash flow
$114.8M
Per share
EPS
$5.86
Free cash flow per share
$7.9
Book value per share
$42.88
Revenue per share
$20.98
TBVPS
$533.39
Balance sheet
Total assets
$7.84B
Total liabilities
$7.22B
Debt
$345.68M
Equity
$622.84M
Working capital
N/A
Liquidity
Debt to equity
0.55
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
2.18
Margins
EBITDA margin
40%
Gross margin
100%
Net margin
27.9%
Operating margin
36.2%
Efficiency
Return on assets
1.1%
Return on equity
12.5%
Return on invested capital
1.4%
Return on capital employed
N/A
Return on sales
36.2%
Dividend
Dividend yield
3.12%
DPS
$2.28
Payout ratio
38.9%

TMP stock price

How has the Tompkins Financial stock price performed over time
Intraday
-1.4%
1 week
-3.26%
1 month
1%
1 year
-9.89%
YTD
-12.6%
QTD
1.32%

Financial performance

How have Tompkins Financial's revenue and profit performed over time
Revenue
$304.7M
Gross profit
$304.7M
Operating income
$110.41M
Net income
$84.95M
Gross margin
100%
Net margin
27.9%
Tompkins Financial's net income has decreased by 12% YoY and by 2.3% from the previous quarter
The net margin is down by 11% YoY and by 2.1% QoQ
Tompkins Financial's operating income has decreased by 10% YoY
The operating margin has contracted by 9% YoY

Growth

What is Tompkins Financial's growth rate over time

Valuation

What is Tompkins Financial stock price valuation
P/E
12.47
P/B
1.7
P/S
3.48
EV/EBIT
12
EV/EBITDA
10.87
EV/Sales
4.34
TMP's P/E is 20% below its 5-year quarterly average of 15.5 and 4.1% below its last 4 quarters average of 13.0
TMP's EPS is down by 10% YoY
The equity has declined by 14% year-on-year and by 5% since the previous quarter
The stock's price to book (P/B) is 6% less than its 5-year quarterly average of 1.8
TMP's price to sales (P/S) is 15% lower than its 5-year quarterly average of 4.1 and 8% lower than its last 4 quarters average of 3.8

Efficiency

How efficient is Tompkins Financial business performance
The ROIC has contracted by 13% YoY
TMP's ROS is down by 9% YoY
TMP's return on assets is down by 8% year-on-year
The ROE has contracted by 7% YoY

Dividends

What is TMP's dividend history
DPS
$2.28
Dividend yield
3.12%
Payout ratio
38.9%
Recent dividends

Financial health

How did Tompkins Financial financials performed over time
The company's total assets is 9% higher than its total liabilities
The debt is 45% lower than the equity
The debt has soared by 195% QoQ and by 13% YoY
Tompkins Financial's debt to equity has increased by 31% YoY

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.