Tompkins Financial Corporation (TMP)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 296 | 299 | 304 | 216 | 295 | 447 | 361 | - |
| Operating profit | $m | 225 | 171 | ||||||
| Net profit | $m | 78 | 89 | 85 | 10 | 71 | 161 | 175 | 112 |
| EPS reported | $ | 11.24 | 12.22 | ||||||
| Operating cashflow per share | $ | 2.73 | 3.93 | ||||||
| Capex per share | $ | 0.49 | 0.31 | ||||||
| FCF per share | $ | 2.24 | 3.63 | ||||||
| Free cash flow | $m | 32 | 52 | ||||||
| Net debt | $m | -448 | 656 | ||||||
| Book value equity | $m | 938 | 960 | ||||||
| Book value per share | $ | 65.46 | 67.01 | ||||||
| Number of shares | m | 14.34 | 14.33 | ||||||
| DPS (TTM paid) | $ | 2.51 | 2.69 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 6.45 | 8.15 | ||||||
| P/B LTM | x | 1.10 | 1.08 | ||||||
| P/S LTM | x | 2.31 | 2.87 | ||||||
| P/FCF LTM | x | 32.35 | 20.01 | ||||||
| EV/EBITDA LTM | x | 6.69 | 8.93 | ||||||
| EV/Sales LTM | x | 2.70 | 4.20 | ||||||
| Earnings Yield LTM | % | +15.50% | +12.27% | ||||||
| FCF Yield | % | +3.09% | +5.00% | ||||||
| Quality | |||||||||
| ROE | % | +17.16% | +19.30% | ||||||
| ROIC | % | +9.31% | +6.93% | ||||||
| Operating margin | % | +38.84% | +34.90% | ||||||
| Gross margin | % | +75.15% | +72.60% | ||||||
| FCF/Sales | % | +5.52% | +10.55% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +126.16% | +145.88% | ||||||
| Sales Growth YoY | % | +51.30% | +22.16% | ||||||
| Net Income Growth YoY | % | +127.34% | +147.42% | ||||||
| FCF Growth | % | -64.00% | -41.81% | ||||||
| Operating Profit Growth | % | +141.84% | +83.72% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +3.49% | +2.76% | ||||||
| Dividend Growth | % | +2.87% | +10.25% | ||||||
| Payout Ratio | % | +22.40% | +21.44% | ||||||
| FCF/Debt | x | 0.05 | 0.07 | ||||||
| Net Debt/EBITDA | x | 2.26 | 3.76 | ||||||
| EBIT/Net interest | x | 1.70 | 1.33 | ||||||
| Net debt/market cap | % | +63.86% | +52.03% | ||||||
| Net debt/Equity | x | -0.48 | 0.68 | ||||||
| Gross debt/equity | x | 0.70 | 0.76 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Tompkins Financial Corporation functions as a financial holding entity, offering a comprehensive array of services that include commercial and retail banking, leasing, trust and investment management, financial planning, wealth management, and insurance solutions. Its operations are strategically divided into three main segments: Banking, Insurance, and Wealth Management. The corporation provides a diverse selection of deposit products, such as checking, savings, and time accounts, alongside IRA options, and specialized brokered, reciprocal, and municipal money market deposits. It also extends a wide range of lending solutions. For businesses, these include financing for real estate, construction, and equipment, accounts receivable funding, and commercial leasing. For individuals and businesses alike, it offers residential mortgages, personal loans, home equity loans, commercial and industrial loans, commercial real estate loans, and agricultural loans. Consumer-specific financing encompasses personal installment loans, direct and indirect automobile loans, and overdraft lines of credit. Additional services provided include letters of credit and sweep accounts, credit and debit cards, and modern banking conveniences such as deposit and cash management, internet and mobile banking platforms, remote deposit capture, safe deposit boxes, voice response systems, and ATM access. Beyond banking, Tompkins Financial delivers investment management, trust and estate administration, and financial and tax planning services. Its insurance offerings span property and casualty, medical, life, disability, and long-term care policies, further enhanced by employee benefit consulting and general insurance planning. The company primarily serves a varied clientele, including individual consumers, corporate executives, small business owners, and high-net-worth individuals. Tompkins Financial operates through a network of 63 banking branches, with 43 situated in New York and 20 in Pennsylvania. Founded in 1836, the corporation is headquartered in Ithaca, New York.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Tompkins Financial Corporation (TMP)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Tompkins Financial Corporation functions as a financial holding entity, offering a comprehensive array of services that include commercial and retail banking, leasing, trust and investment management, financial planning, wealth management, and insurance solutions. Its operations are strategically divided into three main segments: Banking, Insurance, and Wealth Management. The corporation provides a diverse selection of deposit products, such as checking, savings, and time accounts, alongside IRA options, and specialized brokered, reciprocal, and municipal money market deposits. It also extends a wide range of lending solutions. For businesses, these include financing for real estate, construction, and equipment, accounts receivable funding, and commercial leasing. For individuals and businesses alike, it offers residential mortgages, personal loans, home equity loans, commercial and industrial loans, commercial real estate loans, and agricultural loans. Consumer-specific financing encompasses personal installment loans, direct and indirect automobile loans, and overdraft lines of credit. Additional services provided include letters of credit and sweep accounts, credit and debit cards, and modern banking conveniences such as deposit and cash management, internet and mobile banking platforms, remote deposit capture, safe deposit boxes, voice response systems, and ATM access. Beyond banking, Tompkins Financial delivers investment management, trust and estate administration, and financial and tax planning services. Its insurance offerings span property and casualty, medical, life, disability, and long-term care policies, further enhanced by employee benefit consulting and general insurance planning. The company primarily serves a varied clientele, including individual consumers, corporate executives, small business owners, and high-net-worth individuals. Tompkins Financial operates through a network of 63 banking branches, with 43 situated in New York and 20 in Pennsylvania. Founded in 1836, the corporation is headquartered in Ithaca, New York.
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