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TMP Tompkins Financial Corp

Price (delayed)

$63.99

Market cap

$923.66M

P/E Ratio

12.38

Dividend/share

$2.47

EPS

$5.17

Enterprise value

$1.35B

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 50% below its 5-year quarterly average of 24.9 and 43% below its last 4 quarters average of 21.9
TMP's gross profit is up by 40% year-on-year
The debt is down by 26% QoQ but it is up by 9% YoY

Key stats

What are the main financial stats of TMP
Market
Shares outstanding
14.43M
Market cap
$923.66M
Enterprise value
$1.35B
Valuations
Price to earnings (P/E)
12.38
Price to book (P/B)
1.25
Price to sales (P/S)
3.11
EV/EBIT
13.94
EV/EBITDA
12.68
EV/Sales
4.53
Earnings
Revenue
$297.07M
Gross profit
$297.07M
Operating income
$96.68M
Net income
$73.66M
EBIT
$96.58M
EBITDA
$106.26M
Free cash flow
$87.86M
Per share
EPS
$5.17
EPS diluted
$5.15
Free cash flow per share
$6.09
Book value per share
$51.36
Revenue per share
$20.58
TBVPS
$561.49
Balance sheet
Total assets
$8.2B
Total liabilities
$7.46B
Debt
$616.23M
Equity
$741.38M
Working capital
N/A
Liquidity
Debt to equity
0.83
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
3.98
Margins
EBITDA margin
35.8%
Gross margin
100%
Net margin
24.8%
Operating margin
32.5%
Efficiency
Return on assets
0.9%
Return on equity
10.3%
Return on invested capital
1.1%
Return on capital employed
N/A
Return on sales
32.5%
Dividend
Dividend yield
3.86%
DPS
$2.47
Payout ratio
47.8%

TMP stock price

How has the Tompkins Financial stock price performed over time
Intraday
3.49%
1 week
4.32%
1 month
14.39%
1 year
36.32%
YTD
-5.66%
QTD
1.6%

Financial performance

How have Tompkins Financial's revenue and profit performed over time
Revenue
$297.07M
Gross profit
$297.07M
Operating income
$96.68M
Net income
$73.66M
Gross margin
100%
Net margin
24.8%
TMP's gross profit is up by 40% year-on-year
The revenue rose by 40% YoY
Tompkins Financial's operating income has increased by 4% QoQ
Tompkins Financial's net income has increased by 4% from the previous quarter

Price vs fundamentals

How does TMP's price correlate with its fundamentals

Growth

What is Tompkins Financial's growth rate over time

Valuation

What is Tompkins Financial stock price valuation
P/E
12.38
P/B
1.25
P/S
3.11
EV/EBIT
13.94
EV/EBITDA
12.68
EV/Sales
4.53
TMP's P/E is 50% below its 5-year quarterly average of 24.9 and 43% below its last 4 quarters average of 21.9
TMP's EPS is up by 3.8% QoQ
The stock's price to book (P/B) is 11% less than its 5-year quarterly average of 1.4 but 4.2% more than its last 4 quarters average of 1.2
The equity has increased by 11% year-on-year and by 3.9% since the previous quarter
The revenue rose by 40% YoY
TMP's price to sales (P/S) is 11% lower than its 5-year quarterly average of 3.5

Efficiency

How efficient is Tompkins Financial business performance
TMP's ROS is up by 2.5% QoQ

Dividends

What is TMP's dividend history
DPS
$2.47
Dividend yield
3.86%
Payout ratio
47.8%
Recent dividends

Special dividends are included in TTM DPS and yield

Financial health

How did Tompkins Financial financials performed over time
The company's total assets is 10% higher than its total liabilities
The company's total assets rose by 5% YoY
The total liabilities has grown by 4.9% YoY
The debt is 17% lower than the equity
Tompkins Financial's debt to equity has decreased by 28% from the previous quarter and by 2.4% YoY
The debt is down by 26% QoQ but it is up by 9% YoY

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