Tompkins Financial Corporation

TMP | AMEX

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$98.06

-$0.42 (-0.43%)

Sep 22, 2026, 11:04 AM ET · Market open

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $1.42B

Enterprise Value $679.74M

Beta 0.71

Average Volume 88.18K

Shares Outstanding (Diluted) N/A

Shares Change YoY 0.05%

Institutional Ownership 69.56%

Exchange AMEX

ISIN US8901101092

Price Performance

Price Change 1M 0.6%

Price Change 3M 7.1%

Price Change 6M 27.7%

Price Change YTD 35.8%

Price Change 1Y 43.1%

Price Change 3Y 108.1%

Price Change 5Y 25.6%

1M CAGR (ann.) -0.3%

1Y CAGR (ann.) 43.1%

5Y CAGR (ann.) 8.9%

All-Time CAGR 7.7%

Valuation

PE Ratio 8.07

Forward PE 11.81

PEG Ratio 0.07

Forward PEG 1.24

PS Ratio 2.89

Forward PS 3.70

PB Ratio 1.48

P/FCF Ratio 17.13

P/Adj. FCF Ratio 17.86

P/OCF Ratio 25.06

EV/Sales 1.39

EV/EBIT 3.98

EV/EBITDA 3.89

EV/FCF 8.22

Earnings Yield 12.4%

FCF Yield 5.8%

Adj. FCF Yield 5.6%

Financial Health

Net Cash $736.68M

Total Debt $728.07M

Cash & Short-Term Investments $1.46B

Total Assets $8.8B

Current Ratio 0.01

Quick Ratio 0.01

Debt / Equity Ratio 0.76

Debt / EBITDA 4.17

Debt / FCF 8.80

OCF / Debt 0.12

Interest Coverage 1.33

Altman Z-Score -0.71

Piotroski F-Score 7

Margins & Profitability

Gross Profit Margin 72.6%

Operating Profit Margin 34.9%

EBITDA Margin 35.7%

Net Profit Margin 35.8%

FCF Margin 16.9%

Adj. FCF Margin 16.2%

SBC / Revenue 0.7%

SBC Impact (per share) -4.1%

Returns

Return on Assets 2.0%

Return on Equity 19.3%

Return on Invested Capital 6.9%

Return on Capital Employed 16.4%

Return on Tangible Assets 2.0%

Historical Growth (CAGR)

Revenue CAGR 3Y 12.9%

Revenue CAGR 5Y 8.8%

Revenue CAGR 10Y 6.4%

EPS CAGR 3Y 36.7%

EPS CAGR 5Y 13.4%

EPS CAGR 10Y 12.4%

FCF CAGR 3Y -3.7%

FCF CAGR 5Y -4.3%

FCF CAGR 10Y 0.9%

Analyst Forecasts

Analyst Rating Hold

Analyst Count 4

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Oct 22, 2026

EPS Estimate (next Q) $1.91

EPS Growth Est (next Q) 15.8%

Revenue Est (next Q) $89.65M

Revenue Growth Est (next Q) 2.5%

Fair Value Estimates

Graham Number $136.06

Graham Upside 38.2%

Lynch Fair Value $164.10

Lynch Upside 66.6%

Price Target $104

Price Target Upside 5.6%

Cash Flow

Operating Cash Flow $90.08M

Free Cash Flow $82.71M

Adj. Free Cash Flow $79.29M

FCF Per Share $3.63

OCF Per Share $3.93

OCF/S Ratio 11.4%

Income Statement

Revenue $489.39M

Gross Profit $355.28M

Operating Income $170.82M

EBITDA $174.72M

Net Income $175.3M

EPS (Diluted) $12.21

Revenue / Employee $601.96K

Profit / Employee $215.62K

Employees 813

Dividends

Annual Dividend $2.69

Dividend Yield 2.73%

Payout Ratio 22.0%

FCF Payout Ratio 44.5%

Adj. FCF Payout Ratio 46.4%

Dividend Growth (YoY) 8.5%

Pay Frequency Quarterly

Ex-Dividend Date Aug 6, 2026