Tompkins Financial Corporation (TMP) Financial Ratios
30 years of historical data (1996–2025) · Financial Services · Banks - Regional
EV/EBITDA
↓
8.13
↓-76% vs avg
5yr avg: 33.45
30Y Low6.4·High23.8
P/FCF
↑
40.74
↑+167% vs avg
5yr avg: 15.23
30Y Low6.2·High32.5
P/B Ratio
↓
1.38
-5% vs avg
5yr avg: 1.45
30Y Low1.1·High2.8
ROE
↑
19.5%
↓+74% vs avg
5yr avg: 11.2%
30Y Low1%·High24%
Debt/EBITDA
↑
2.94
↓-79% vs avg
5yr avg: 14.03
30Y Low1.0·High10.3
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
TMP Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Tompkins Financial Corporation trades at 8.0x earnings, 71% below its 5-year average of 27.7x, sitting at the 3rd percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a discount of 41%. On a free-cash-flow basis, the stock trades at 40.7x P/FCF, 167% above the 5-year average of 15.2x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $1.3B | $1.0B | $968M | $861M | $1.1B | $1.2B | $1.0B | $1.4B | $1.1B | $1.2B | $1.4B |
| Enterprise Value | $1.8B | $1.6B | $1.6B | $1.4B | $1.4B | $1.4B | $996M | $2.0B | $2.1B | $2.2B | $2.3B |
| P/E Ratio → | 8.03 | 6.45 | 13.65 | 91.26 | 13.17 | 13.81 | 13.58 | 17.04 | 14.02 | 23.72 | 24.18 |
| P/S Ratio | 2.25 | 1.80 | 2.24 | 2.84 | 3.44 | 3.87 | 3.20 | 4.11 | 3.52 | 4.19 | 5.25 |
| P/B Ratio | 1.38 | 1.11 | 1.36 | 1.29 | 1.81 | 1.68 | 1.45 | 2.07 | 1.83 | 2.13 | 2.57 |
| P/FCF | 40.74 | 32.54 | 10.90 | 10.47 | 11.74 | 10.51 | 10.75 | 14.33 | 12.73 | 24.15 | 18.88 |
| P/OCF | 33.49 | 26.75 | 10.19 | 9.68 | 10.81 | 10.10 | 10.27 | 13.48 | 10.58 | 14.25 | 15.54 |
P/E links to full P/E history page with 30-year chart
TMP EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Tompkins Financial Corporation's enterprise value stands at 8.1x EBITDA, 76% below its 5-year average of 33.4x. The Financial Services sector median is 11.4x, placing the stock at a 29% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.71 | 3.76 | 4.73 | 4.27 | 4.27 | 3.07 | 5.90 | 6.65 | 7.62 | 8.44 |
| EV / EBITDA | 8.13 | 6.97 | 17.46 | 118.35 | 12.64 | 11.80 | 9.11 | 17.17 | 18.58 | 21.15 | 23.79 |
| EV / EBIT | 8.13 | 6.97 | 17.46 | 118.35 | 12.64 | 11.80 | 10.20 | 19.13 | 20.60 | 23.42 | 26.25 |
| EV / FCF | — | 49.04 | 18.29 | 17.45 | 14.58 | 11.61 | 10.29 | 20.58 | 24.08 | 43.93 | 30.35 |
TMP Profitability
Margins and return-on-capital ratios measuring operating efficiency
Tompkins Financial Corporation earns an operating margin of 38.8%, significantly above the Financial Services sector average of 20.3%. Operating margins have expanded from 4.0% to 38.8% over the past 3 years, signaling improving operational efficiency. ROE of 19.5% indicates solid capital efficiency, compared to the sector median of 9.0%. ROIC of 10.9% represents solid returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 75.1% | 75.1% | 66.9% | 69.6% | 92.7% | 95.2% | 85.8% | 84.4% | 86.5% | 89.9% | 90.2% |
| Operating Margin | 38.8% | 38.8% | 21.5% | 4.0% | 33.8% | 36.2% | 30.1% | 30.8% | 32.3% | 32.6% | 32.2% |
| Net Profit Margin | 27.8% | 27.8% | 16.4% | 3.1% | 26.2% | 28.2% | 23.9% | 24.5% | 25.5% | 17.9% | 22.1% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 19.5% | 19.5% | 10.2% | 1.5% | 12.6% | 12.3% | 11.2% | 12.7% | 13.8% | 9.3% | 11.1% |
| ROA | 1.9% | 1.9% | 0.9% | 0.1% | 1.1% | 1.2% | 1.1% | 1.2% | 1.2% | 0.8% | 1.0% |
| ROIC | 10.9% | 10.9% | 4.9% | 0.8% | 8.7% | 8.7% | 6.0% | 5.0% | 4.6% | 4.6% | 5.1% |
| ROCE | 17.3% | 17.3% | 8.3% | 1.5% | 12.8% | 11.1% | 8.4% | 2.6% | 1.9% | 3.5% | 6.8% |
TMP Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Tompkins Financial Corporation carries a Debt/EBITDA ratio of 2.9x, which is moderately leveraged (31% below the sector average of 4.3x). Net debt stands at $527M ($660M total debt minus $133M cash). Interest coverage of just 1.7x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.70 | 0.70 | 1.11 | 0.97 | 0.56 | 0.26 | 0.48 | 1.11 | 1.76 | 1.89 | 1.68 |
| Debt / EBITDA | 2.94 | 2.94 | 8.50 | 53.87 | 3.17 | 1.67 | 3.15 | 6.42 | 9.46 | 10.32 | 9.67 |
| Net Debt / Equity | — | 0.56 | 0.92 | 0.86 | 0.44 | 0.18 | -0.06 | 0.90 | 1.63 | 1.74 | 1.56 |
| Net Debt / EBITDA | 2.34 | 2.34 | 7.05 | 47.31 | 2.46 | 1.11 | -0.41 | 5.21 | 8.76 | 9.52 | 9.00 |
| Debt / FCF | — | 16.50 | 7.39 | 6.97 | 2.83 | 1.10 | -0.46 | 6.25 | 11.35 | 19.78 | 11.48 |
| Interest Coverage | 1.70 | 1.70 | 0.68 | 0.14 | 5.21 | 6.54 | 3.37 | 2.03 | 2.62 | 3.74 | 3.91 |
TMP Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.15x is below 1.0, meaning current liabilities exceed current assets. The current ratio has declined from 0.22x to 0.15x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.15 | 0.15 | 0.19 | 0.22 | 0.24 | 0.31 | 0.31 | 0.26 | 52.35 | 0.03 | 0.01 |
| Quick Ratio | 0.15 | 0.15 | 0.19 | 0.22 | 0.24 | 0.31 | 0.31 | 0.26 | 52.35 | 0.03 | 0.01 |
| Cash Ratio | 0.02 | 0.02 | 0.02 | 0.01 | 0.01 | 0.01 | 0.06 | 0.03 | 49.19 | 0.03 | 0.01 |
| Asset Turnover | — | 0.07 | 0.05 | 0.04 | 0.04 | 0.04 | 0.04 | 0.05 | 0.05 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
TMP Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Tompkins Financial Corporation returns 3.0% to shareholders annually — split between a 2.8% dividend yield and 0.2% buyback yield. The payout ratio of 22.4% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 12.4% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 2.8% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | 22.4% | 22.4% | 49.5% | 363.1% | 39.5% | 36.3% | 40.4% | 37.5% | 36.0% | 52.6% | 44.8% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 12.4% | 15.5% | 7.3% | 1.1% | 7.6% | 7.2% | 7.4% | 5.9% | 7.1% | 4.2% | 4.1% |
| FCF Yield | 2.5% | 3.1% | 9.2% | 9.5% | 8.5% | 9.5% | 9.3% | 7.0% | 7.9% | 4.1% | 5.3% |
| Buyback Yield | 0.2% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 3.0% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $14M | $14M | $14M | $14M | $15M | $15M | $15M | $15M | $15M | $15M |
Peer Comparison
Compare TMP with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 TMPYou | $1B | 8.0 | 8.1 | 40.7 | 75.1% | 38.8% | 19.5% | 10.9% | 2.9 |
 CZWI | $213M | 15.2 | 16.4 | 20.5 | 54.7% | 7.0% | 7.9% | 2.0% | 5.8 |
 NBTB | $2B | 14.2 | 10.8 | 11.3 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 CNOB | $2B | 22.1 | 24.1 | 16.3 | 44.2% | 18.6% | 5.7% | 3.5% | 10.4 |
 TRST | $935M | 16.3 | 12.0 | 20.5 | 67.1% | 29.2% | 9.0% | 7.2% | 2.1 |
 FISI | $746M | 10.5 | 10.6 | 54.8 | 61.7% | 24.2% | 12.5% | 7.7% | 3.7 |
 AMTB | $1000M | 18.9 | 22.2 | 10.2 | 57.4% | 10.1% | 5.7% | 2.6% | 14.7 |
 WSBC | $4B | 16.2 | 16.0 | 12.6 | 62.9% | 19.7% | 6.5% | 4.3% | 5.3 |
 CTBI | $1B | 12.7 | 12.0 | 12.8 | 66.7% | 31.0% | 12.2% | 8.2% | 3.0 |
 CHMG | $344M | 22.8 | 14.4 | 7.8 | 64.2% | 14.2% | 6.4% | 5.0% | 0.2 |
 GBCI | $6B | 24.6 | 24.5 | 18.3 | 69.0% | 22.9% | 6.4% | 3.5% | 7.9 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Includes 30+ ratios · 30 years · Updated daily
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TMP — Frequently Asked Questions
Quick answers to the most common questions about buying TMP stock.
What is Tompkins Financial Corporation's P/E ratio?
Tompkins Financial Corporation's current P/E ratio is 8.0x. The historical average is 18.8x. This places it at the 3th percentile of its historical range.
What is Tompkins Financial Corporation's EV/EBITDA?
Tompkins Financial Corporation's current EV/EBITDA is 8.1x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 12.0x.
What is Tompkins Financial Corporation's ROE?
Tompkins Financial Corporation's return on equity (ROE) is 19.5%. The historical average is 13.6%.
Is TMP stock overvalued?
Based on historical data, Tompkins Financial Corporation is trading at a P/E of 8.0x. This is at the 3th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Tompkins Financial Corporation's dividend yield?
Tompkins Financial Corporation's current dividend yield is 2.79% with a payout ratio of 22.4%.
What are Tompkins Financial Corporation's profit margins?
Tompkins Financial Corporation has 75.1% gross margin and 38.8% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Tompkins Financial Corporation have?
Tompkins Financial Corporation's Debt/EBITDA ratio is 2.9x, indicating moderate leverage. A ratio between 2-4x is manageable but warrants monitoring.