Last 48 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 8.90 | 12.03 | 11.53 | 10.83 | 2.71 | 10.03 | 10.46 | 11.49 | 12.38 | 11.11 | 11.11 | 10.65 | 14.34 | — | 23.60 | 12.26 | 14.26 | 12.27 | 12.43 | 12.23 | 15.71 |
| — | +19.9% | +10.3% | -5.8% | -78.1% | -9.7% | -5.9% | +7.9% | -13.7% | — | -52.9% | -13.1% | +0.6% | — | +89.9% | +0.3% | -9.2% | -12.1% | -1.3% | +1.7% | +43.3% | |
| P/S Ratio | 3.22 | 3.84 | — | 3.37 | 1.34 | 2.72 | 2.72 | 2.76 | 3.19 | 2.73 | 2.39 | 2.46 | 3.06 | 20.91 | 3.15 | 3.23 | 3.74 | 3.36 | 3.42 | 3.75 | 4.00 |
| — | +41.3% | — | +22.2% | -58.1% | -0.5% | +13.5% | +12.3% | +4.2% | -86.9% | -24.0% | -24.0% | -18.2% | +522.8% | -7.7% | -13.8% | -6.5% | -13.3% | -12.9% | -8.7% | +16.3% | |
| P/B Ratio | 1.53 | 1.47 | 1.41 | 1.19 | 1.11 | 1.20 | 1.18 | 1.22 | 1.36 | 1.14 | 1.03 | 1.07 | 1.28 | 1.14 | 1.26 | 1.47 | 1.81 | 1.82 | 1.66 | 1.72 | 1.67 |
| — | +22.3% | +19.6% | -1.9% | -18.5% | +5.2% | +14.5% | +13.7% | +6.2% | +0.6% | -18.0% | -27.0% | -29.1% | -37.5% | -24.4% | -14.9% | +8.5% | +11.6% | +5.9% | +0.3% | +14.8% | |
| P/FCF | 45.03 | 9.35 | — | 3.97 | — | 7.01 | 12.29 | 10.80 | 11.20 | 7.10 | 6.62 | 8.19 | 12.27 | 7.46 | 9.96 | 11.16 | 14.66 | 8.87 | 11.35 | 11.86 | 10.69 |
| — | +33.5% | — | -63.2% | — | -1.3% | +85.6% | +31.9% | -8.7% | -4.8% | -33.6% | -26.6% | -16.3% | -16.0% | -12.2% | -5.9% | +37.1% | +19.0% | -24.2% | +14.4% | +57.8% | |
| EV / EBITDA | 8.42 | 11.11 | — | 11.07 | 2.77 | 9.66 | 12.22 | 11.80 | 14.46 | 12.11 | 15.40 | 12.16 | 16.71 | — | 22.02 | 11.33 | 12.84 | 8.81 | 10.84 | 8.11 | 12.08 |
| — | +15.0% | — | -6.2% | -80.8% | -20.3% | -20.6% | -3.0% | -13.5% | — | -30.1% | +7.3% | +30.1% | — | +103.1% | +39.8% | +6.3% | +6.1% | +20.8% | +11.0% | +60.3% | |
| EV / EBIT | 8.74 | 11.11 | — | 11.81 | 2.81 | 10.30 | 13.15 | 12.84 | 15.80 | 13.25 | 17.40 | 13.86 | 19.72 | — | 28.06 | 12.57 | 14.40 | 9.74 | 11.96 | 8.88 | 13.48 |
| — | +7.8% | — | -8.0% | -82.2% | -22.2% | -24.4% | -7.4% | -19.9% | — | -38.0% | +10.3% | +36.9% | — | +134.7% | +41.6% | +6.8% | +6.1% | +21.2% | +11.7% | +63.2% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 97.4% | 96.6% | 106.6% | 98.2% | 99.5% | 97.2% | 96.6% | 93.5% | 98.1% | 97.1% | 97.0% | 98.8% | 97.5% | 86.2% | 96.4% | 101.1% | 98.1% | 98.6% | 98.9% | 100.7% | 94.8% |
| — | -0.5% | +10.3% | +5.0% | +1.4% | +0.0% | -0.4% | -5.4% | +0.7% | +12.7% | +0.6% | -2.3% | -0.7% | -12.6% | -2.5% | +0.4% | +3.5% | -2.9% | -5.1% | -1.7% | -5.1% | |
| Operating Margin | 50.3% | 42.0% | 643.0% | 41.2% | 71.7% | 35.6% | 34.2% | 31.6% | 33.8% | 32.5% | 28.3% | 30.4% | 25.9% | -499.7% | 16.2% | 34.4% | 32.2% | 36.2% | 35.9% | 40.1% | 32.8% |
| — | +18.1% | +1781.9% | +30.4% | +112.2% | +9.6% | +20.6% | +4.0% | +30.6% | +106.5% | +74.6% | -11.7% | -19.8% | -1479.1% | -54.7% | -14.3% | -1.7% | -1.5% | -11.0% | -7.9% | -17.7% | |
| Net Margin | 36.1% | 31.9% | -546.7% | 31.2% | 49.4% | 27.1% | 26.0% | 24.1% | 25.8% | 24.7% | 21.6% | 23.2% | 21.4% | -400.4% | 13.4% | 26.3% | 26.2% | 27.5% | 27.5% | 30.8% | 25.6% |
| — | +17.8% | -2204.3% | +29.3% | +91.4% | +9.8% | +20.5% | +4.0% | +20.7% | +106.2% | +61.3% | -12.0% | -18.4% | -1557.4% | -51.4% | -14.7% | +2.2% | -2.0% | -12.3% | -10.7% | -19.0% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 19.5% | 3.0% | 3.1% | 2.8% | 11.1% | 3.1% | 2.9% | 2.7% | 2.7% | 2.7% | 2.3% | 2.5% | 2.3% | -5.3% | 1.3% | 3.1% | 3.3% | 3.6% | 3.3% | 3.4% | 2.7% |
| — | -1.0% | +7.6% | +2.3% | +306.7% | +14.5% | +22.6% | +7.4% | +17.1% | +149.9% | +76.9% | -17.6% | -28.8% | -249.8% | -59.5% | -8.9% | +22.4% | +21.1% | +2.6% | -6.5% | -19.9% | |
| ROA | 1.9% | 0.3% | 0.3% | 0.3% | 1.1% | 0.3% | 0.3% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | -0.4% | 0.1% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.2% |
| — | +14.7% | +29.3% | +24.5% | +360.4% | +19.7% | +29.3% | +11.6% | +26.1% | +153.9% | +80.5% | -14.5% | -23.5% | -259.4% | -58.2% | -14.6% | +3.6% | +3.1% | -6.6% | -9.1% | -21.5% | |
| ROIC | 10.9% | 1.8% | -1.6% | 1.7% | 7.2% | 1.6% | 1.5% | 1.4% | 1.4% | 1.3% | 1.1% | 1.3% | 1.2% | -3.1% | 0.7% | 1.9% | 2.1% | 2.5% | 2.3% | 2.7% | 2.0% |
| — | +10.3% | -211.3% | +22.8% | +427.9% | +24.1% | +27.7% | +4.4% | +14.6% | +142.7% | +55.7% | -31.6% | -44.1% | -223.2% | -68.8% | -29.4% | +4.1% | +14.7% | +10.1% | +15.9% | -3.2% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.70 | 0.58 | 0.76 | 0.60 | 0.70 | 0.67 | 1.05 | 0.83 | 1.11 | 0.84 | 1.20 | 0.85 | 0.97 | 0.58 | 0.69 | 0.60 | 0.56 | 0.27 | 0.55 | 0.18 | 0.26 |
| — | -13.4% | -27.8% | -27.9% | -36.5% | -20.8% | -12.3% | -1.8% | +13.6% | +46.0% | +74.2% | +40.8% | +73.2% | +111.2% | +24.2% | +237.4% | +115.1% | +8.0% | +31.8% | -61.2% | -45.4% | |
| Debt / EBITDA | 2.83 | 14.32 | — | 15.43 | 4.66 | 15.84 | 26.33 | 21.95 | 28.09 | 22.61 | 34.75 | 22.49 | 30.49 | — | 33.37 | 13.91 | 12.88 | 5.03 | 11.51 | 3.53 | 6.87 |
| — | -9.6% | — | -29.7% | -83.4% | -30.0% | -24.2% | -2.4% | -7.9% | — | +4.1% | +61.7% | +136.7% | — | +190.0% | +293.7% | +87.6% | -14.8% | +21.3% | -61.8% | -34.0% | |
| Current Ratio | 0.15 | 0.24 | 0.01 | 0.58 | 0.15 | 0.15 | 0.20 | 0.15 | 0.19 | 0.22 | 0.22 | 0.22 | 0.22 | 0.23 | 0.24 | 0.25 | 0.24 | 0.27 | 0.29 | 0.31 | 0.31 |
| — | +60.3% | -95.4% | +282.6% | -21.6% | -32.1% | -9.8% | -31.4% | -12.8% | -5.3% | -7.9% | -13.1% | -10.9% | -13.1% | -17.3% | -17.0% | -20.7% | -21.1% | -13.5% | -13.1% | -1.1% | |
| Quick Ratio | 0.15 | 0.24 | 0.01 | 0.58 | 0.15 | 0.15 | 0.20 | 0.15 | 0.19 | 0.22 | 0.22 | 0.22 | 0.22 | 0.23 | 0.24 | 0.25 | 0.24 | 0.27 | 0.29 | 0.31 | 0.31 |
| — | +60.3% | -95.4% | +282.6% | -21.6% | -32.1% | -9.8% | -31.4% | -12.8% | -5.3% | -7.9% | -13.1% | -10.9% | -13.1% | -17.3% | -17.0% | -20.7% | -21.1% | -13.5% | -13.1% | -1.1% | |
| Interest Coverage | 1.70 | 1.16 | -1.08 | 1.12 | 4.39 | 0.91 | 0.84 | 0.79 | 0.76 | 0.68 | 0.60 | 0.68 | 0.64 | -1.70 | 0.52 | 1.69 | 2.35 | 5.06 | 10.12 | 11.82 | 8.88 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying TMP stock.
Tompkins Financial Corporation's current P/E is 8.9x. The average P/E over the last 4 quarters is 9.3x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Tompkins Financial Corporation's current operating margin is 50.3%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Tompkins Financial Corporation's business trajectory between earnings reports.