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Tompkins Financial Corporation TMP

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Price alert · TMP

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99.52 USD -2.12 -2.09%

At close · Oct 30

98.30 -1.22 -1.23%

After hours · Oct 30, 4:51 PM ET

Bid
99.04 × 200
Ask
99.54 × 800
99.05 Day range 102.01
63.46 52-week range 102.47
YTD
+37.23%
1 year
+54.73%
Open
102.01
Prev close
101.64
Mkt cap
1.43B
Vol
108.02K
Avg vol
106.56K
EPS
12.58
P/E
7.91
Div yield
2.91%
More statistics
Low
99.05
High
102.01
Forward P/E
11.99
Beta
0.74
Short ratio
4.23
Inst. own
72.57%
Dividend
2.96
Ex-div date
Nov 5, 2026
Earnings
Jan 29, 2027
50-d avg
98.16
200-d avg
88.97
1y target
105.50

3M chart

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Interval
1m5m15m30m
TMP three-month price chart94.396.799.2101.7104.2Jul 31Aug 19Sep 8Sep 24Oct 13Oct 30

Financial health

Altman Z-Score

-0.43 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

8 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A4 / 5 overall

  • DCF 4
  • Return on Equity 5
  • Return on Assets 4
  • Debt / Equity 3
  • P/E 4
  • P/B 2

Valuation

P/E 6.4×
FY 2016: 24.0×FY 2017: 23.5×FY 2018: 13.9×FY 2019: 17.0×FY 2020: 13.5×FY 2021: 13.7×FY 2022: 13.1×FY 2023: 91.3×FY 2024: 13.6×FY 2025: 6.4×
FY 2016 5y median 13.6× FY 2025
P/S 1.8×
FY 2016: 5.2×FY 2017: 4.2×FY 2018: 3.5×FY 2019: 4.1×FY 2020: 3.2×FY 2021: 3.8×FY 2022: 3.4×FY 2023: 2.8×FY 2024: 2.2×FY 2025: 1.8×
FY 2016 5y median 2.8× FY 2025
P/B 1.1×
FY 2016: 2.6×FY 2017: 2.1×FY 2018: 1.8×FY 2019: 2.1×FY 2020: 1.4×FY 2021: 1.7×FY 2022: 1.8×FY 2023: 1.3×FY 2024: 1.4×FY 2025: 1.1×
FY 2016 5y median 1.4× FY 2025
P/FCF 32.4×
FY 2016: 18.7×FY 2017: 24.0×FY 2018: 12.6×FY 2019: 14.3×FY 2020: 10.7×FY 2021: 10.5×FY 2022: 11.7×FY 2023: 10.4×FY 2024: 10.9×FY 2025: 32.4×
FY 2016 5y median 10.9× FY 2025
EV/EBITDA 6.7×
FY 2016: 23.7×FY 2017: 21.1×FY 2018: 18.6×FY 2019: 17.1×FY 2020: 9.1×FY 2021: 10.7×FY 2022: 11.4×FY 2023: 60.0×FY 2024: 15.7×FY 2025: 6.7×
FY 2016 5y median 11.4× FY 2025
EV/Sales 2.7×
FY 2016: 8.4×FY 2017: 7.6×FY 2018: 6.7×FY 2019: 5.9×FY 2020: 3.1×FY 2021: 4.2×FY 2022: 4.3×FY 2023: 4.7×FY 2024: 3.8×FY 2025: 2.7×
FY 2016 5y median 4.2× FY 2025
FCF Yield 3.1%
FY 2016: 5.3%FY 2017: 4.2%FY 2018: 7.9%FY 2019: 7.0%FY 2020: 9.3%FY 2021: 9.6%FY 2022: 8.6%FY 2023: 9.6%FY 2024: 9.2%FY 2025: 3.1%
FY 2016 5y median 9.2% FY 2025

Profitability

Gross Margin 75.1%
FY 2016: 90.2%FY 2017: 89.9%FY 2018: 86.5%FY 2019: 84.4%FY 2020: 85.8%FY 2021: 95.2%FY 2022: 92.7%FY 2023: 69.6%FY 2024: 66.9%FY 2025: 75.1%
FY 2016 5y median 75.1% FY 2025
Operating Margin 38.8%
FY 2016: 32.2%FY 2017: 32.6%FY 2018: 32.3%FY 2019: 30.8%FY 2020: 30.1%FY 2021: 36.2%FY 2022: 33.8%FY 2023: 4.0%FY 2024: 21.5%FY 2025: 38.8%
FY 2016 5y median 33.8% FY 2025
Net Margin 27.8%
FY 2016: 22.1%FY 2017: 17.9%FY 2018: 25.5%FY 2019: 24.5%FY 2020: 23.9%FY 2021: 28.2%FY 2022: 26.2%FY 2023: 3.1%FY 2024: 16.4%FY 2025: 27.8%
FY 2016 5y median 26.2% FY 2025
ROE 17.2%
FY 2016: 10.8%FY 2017: 9.1%FY 2018: 13.3%FY 2019: 12.4%FY 2020: 10.8%FY 2021: 12.3%FY 2022: 13.8%FY 2023: 1.4%FY 2024: 9.9%FY 2025: 17.2%
FY 2016 5y median 12.3% FY 2025
ROIC 9.3%
FY 2016: 152.4%FY 2017: 1.7%FY 2018: 1.5%FY 2019: 5.4%FY 2020: 6.6%FY 2021: 8.7%FY 2022: 8.0%FY 2023: 0.7%FY 2024: -1.4%FY 2025: 9.3%
FY 2016 5y median 8.0% FY 2025
ROA 1.9%
FY 2016: 1.0%FY 2017: 0.8%FY 2018: 1.2%FY 2019: 1.2%FY 2020: 1.0%FY 2021: 1.1%FY 2022: 1.1%FY 2023: 0.1%FY 2024: 0.9%FY 2025: 1.9%
FY 2016 5y median 1.1% FY 2025

Growth (YoY)

Revenue 34.1%
FY 2016: 4.3%FY 2017: 8.7%FY 2018: 10.3%FY 2019: 3.3%FY 2020: -2.6%FY 2021: -2.6%FY 2022: 2.6%FY 2023: -6.6%FY 2024: 42.3%FY 2025: 34.1%
FY 2016 FY 2025
Operating Income 141.8%
FY 2016: -1.1%FY 2017: 10.1%FY 2018: 9.4%FY 2019: -1.3%FY 2020: -5.1%FY 2021: 17.3%FY 2022: -4.2%FY 2023: -88.9%FY 2024: 666.9%FY 2025: 141.8%
FY 2016 FY 2025
EPS (diluted) 126.2%
FY 2016: 1.0%FY 2017: -12.3%FY 2018: 56.0%FY 2019: 0.4%FY 2020: -3.2%FY 2021: 16.3%FY 2022: -2.6%FY 2023: -88.8%FY 2024: 653.0%FY 2025: 126.2%
FY 2016 FY 2025
Free Cash Flow -64.0%
FY 2016: -2.2%FY 2017: -32.1%FY 2018: 75.6%FY 2019: 7.2%FY 2020: 1.3%FY 2021: 20.2%FY 2022: -18.3%FY 2023: -13.6%FY 2024: 7.9%FY 2025: -64.0%
FY 2016 FY 2025

Financial Health

Current Ratio 0.1×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 52.3×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.1×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 0.1×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 52.3×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.1×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.7×
FY 2016: 1.7×FY 2017: 1.9×FY 2018: 1.8×FY 2019: 1.1×FY 2020: 0.5×FY 2021: 0.3×FY 2022: 0.6×FY 2023: 1.0×FY 2024: 1.1×FY 2025: 0.7×
FY 2016 5y median 0.7× FY 2025
Net Debt / EBITDA 2.3×
FY 2016: 9.0×FY 2017: 9.6×FY 2018: 8.8×FY 2019: 5.2×FY 2020: -0.4×FY 2021: 1.0×FY 2022: 2.2×FY 2023: 24.0×FY 2024: 6.3×FY 2025: 2.3×
FY 2016 5y median 2.3× FY 2025
Interest Coverage 1.7×
FY 2016: 3.9×FY 2017: 3.7×FY 2018: 2.6×FY 2019: 2.0×FY 2020: 3.4×FY 2021: 6.5×FY 2022: 5.2×FY 2023: 0.1×FY 2024: 0.7×FY 2025: 1.7×
FY 2016 5y median 1.7× FY 2025

Dividends

Dividend Yield 3.5%
FY 2016: 1.9%FY 2017: 2.3%FY 2018: 2.6%FY 2019: 2.2%FY 2020: 3.0%FY 2021: 2.7%FY 2022: 3.0%FY 2023: 4.0%FY 2024: 3.6%FY 2025: 3.5%
FY 2016 5y median 3.5% FY 2025
Payout Ratio 22.4%
FY 2016: 44.8%FY 2017: 52.6%FY 2018: 36.0%FY 2019: 37.5%FY 2020: 40.4%FY 2021: 36.3%FY 2022: 39.5%FY 2023: 363.1%FY 2024: 49.5%FY 2025: 22.4%
FY 2016 5y median 39.5% FY 2025

Annual · latest fiscal year ends 2025-12-31