Financials Tompkins Financial Corporation

Equities

TMP

US8901101092

Banks

Market Closed - Nyse 04:00:00 2024-04-26 pm EDT 5-day change 1st Jan Change
46.33 USD +1.05% Intraday chart for Tompkins Financial Corporation +1.33% -23.08%

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Capitalization 1 1,367 1,054 1,225 1,124 864.3 667.4 -
Enterprise Value (EV) 1 1,367 1,054 1,225 1,124 864.3 667.4 667.4
P/E ratio 17 x 13.6 x 13.8 x 13.2 x 91.3 x 10.2 x 9.46 x
Yield 2.21% 2.97% 2.62% 2.98% - 5.19% 5.23%
Capitalization / Revenue 4.78 x 3.52 x 4.05 x 3.65 x 3.93 x 2.22 x 2.1 x
EV / Revenue 4.78 x 3.52 x 4.05 x 3.65 x 3.93 x 2.22 x 2.1 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book 2.07 x 1.47 x 1.68 x 1.83 x 1.3 x 0.95 x 0.91 x
Nbr of stocks (in thousands) 14,940 14,931 14,659 14,484 14,350 14,405 -
Reference price 2 91.50 70.60 83.58 77.58 60.23 46.33 46.33
Announcement Date 1/31/20 1/29/21 1/28/22 1/27/23 1/26/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net sales 1 286.1 299.2 302.6 308.3 219.8 300.2 317.6
EBITDA - - - - - - -
EBIT 1 104.2 113.8 112.4 112.5 16.46 86.7 92.1
Operating Margin 36.44% 38.04% 37.12% 36.5% 7.49% 28.89% 29%
Earnings before Tax (EBT) 1 - - - - 12.12 84.65 91.4
Net income 1 81.72 77.59 89.26 85.03 9.505 64.6 69.75
Net margin 28.57% 25.93% 29.5% 27.58% 4.33% 21.52% 21.96%
EPS 2 5.370 5.200 6.050 5.890 0.6600 4.540 4.900
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share 2 2.020 2.100 2.190 2.310 - 2.405 2.425
Announcement Date 1/31/20 1/29/21 1/28/22 1/27/23 1/26/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 76.95 76.96 76.6 77.21 78.8 75.64 74.65 64.51 72.36 71.21 72.81 73.93 77.02 75.04 77.2
EBITDA - - - - - - - - - - - - - - -
EBIT 1 26.77 28.81 29.76 28.09 29.2 25.46 - 12.54 22.42 19.91 21.7 19.5 23.8 21.7 21.7
Operating Margin 34.79% 37.43% 38.85% 36.38% 37.06% 33.65% - 19.44% 30.99% 27.96% 29.26% 26.38% 30.9% 28.92% 28.11%
Earnings before Tax (EBT) 1 28 24.9 30.28 27.23 28.14 24.06 - 10.29 -41.63 18.15 22.1 19.98 22.76 20.58 21.08
Net income 1 21.34 19.46 23.27 20.87 21.34 19.55 19.38 8.475 -33.35 15 16.87 15.25 17.4 15.7 16.1
Net margin 27.73% 25.29% 30.38% 27.03% 27.08% 25.84% 25.96% 13.14% -46.1% 21.07% 23.17% 20.63% 22.59% 20.92% 20.85%
EPS 2 1.450 1.330 1.600 1.450 1.480 1.360 1.350 0.5900 -2.350 1.050 1.180 1.070 1.225 1.100 1.135
Dividend per Share 2 0.5400 0.5700 0.5700 0.5700 0.5700 0.6000 0.6000 0.6000 - - 0.6000 0.6000 0.6000 0.6050 0.6050
Announcement Date 10/22/21 1/28/22 4/29/22 7/22/22 10/28/22 1/27/23 4/28/23 7/21/23 10/27/23 1/26/24 4/26/24 - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net Debt - - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) 12.6% 11.1% 12.4% 13.3% 1.5% 9.41% 9.74%
ROA (Net income/ Total Assets) 1.22% 1.05% 1.16% 1.09% 0.12% 0.81% 0.85%
Assets 1 6,698 7,358 7,721 7,801 7,921 7,975 8,254
Book Value Per Share 2 44.20 48.00 49.60 42.40 46.40 48.50 50.70
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 1/31/20 1/29/21 1/28/22 1/27/23 1/26/24 - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Trading Rating
Investor Rating
ESG Refinitiv
C
More Ratings
Sell
Consensus
Buy
Mean consensus
HOLD
Number of Analysts
2
Last Close Price
46.33 USD
Average target price
52.5 USD
Spread / Average Target
+13.32%
Consensus
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