Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Tompkins Financial Corporation's quarterly P/E stands at 2.7x, down 78.1% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has compressed 80.6% YoY to 2.8x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 8.03 | 2.71 | 10.03 | 10.46 | 11.49 | 12.38 | 11.11 | 11.11 | 10.65 | 14.34 | — | 23.60 | 12.26 |
| — | -78.1% | -9.7% | -5.9% | +7.9% | -13.7% | — | -52.9% | -13.1% | +0.6% | — | +89.9% | +0.3% | |
| P/S Ratio | 2.25 | 1.15 | 1.95 | 1.93 | 1.97 | 2.21 | 1.85 | 1.63 | 1.70 | 2.18 | 5.31 | 2.40 | 2.69 |
| — | -48.0% | +5.5% | +18.8% | +15.9% | +1.5% | -65.2% | -32.1% | -36.8% | -33.8% | +69.6% | -27.4% | -26.0% | |
| P/B Ratio | 1.38 | 1.11 | 1.20 | 1.18 | 1.22 | 1.36 | 1.14 | 1.03 | 1.07 | 1.28 | 1.14 | 1.26 | 1.47 |
| — | -18.5% | +5.2% | +14.5% | +13.7% | +6.2% | +0.6% | -18.0% | -27.0% | -29.1% | -37.5% | -24.4% | -14.9% | |
| P/FCF | 40.74 | — | 7.01 | 12.29 | 10.80 | 11.20 | 7.10 | 6.62 | 8.19 | 12.27 | 7.46 | 9.96 | 11.16 |
| — | — | -1.3% | +85.6% | +31.9% | -8.7% | -4.8% | -33.6% | -26.6% | -16.3% | -16.0% | -12.2% | -5.9% | |
| EV / EBITDA | 8.13 | 2.81 | 9.66 | 13.15 | 12.84 | 14.46 | 13.25 | 15.40 | 13.86 | 16.71 | — | 22.02 | 11.33 |
| — | -80.6% | -27.1% | -14.6% | -7.4% | -13.5% | — | -30.1% | +22.3% | +30.1% | — | +103.1% | +39.8% | |
| EV / EBIT | 8.13 | 2.81 | 10.30 | 13.15 | 12.84 | 15.80 | 13.25 | 17.40 | 13.86 | 19.72 | — | 28.06 | 12.57 |
| — | -82.2% | -22.2% | -24.4% | -7.4% | -19.9% | — | -38.0% | +10.3% | +36.9% | — | +134.7% | +41.6% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Tompkins Financial Corporation's operating margin was 61.6% in Q4 2025, up 36.1 pp QoQ and up 38.2 pp YoY. This marks the 4th consecutive quarter of margin expansion, signaling a sustained improvement in operating efficiency. The trailing four-quarter average of 33.5% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 25.7% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 75.1% | 85.5% | 69.9% | 68.8% | 66.7% | 68.0% | 65.8% | 65.9% | 68.3% | 69.4% | 21.9% | 73.3% | 84.0% |
| — | +25.7% | +6.1% | +4.3% | -2.3% | -2.0% | +200.5% | -10.1% | -18.7% | -19.6% | -76.2% | -23.2% | -13.7% | |
| Operating Margin | 38.8% | 61.6% | 25.6% | 24.3% | 22.5% | 23.4% | 22.0% | 19.3% | 21.0% | 18.4% | -127.0% | 12.3% | 28.6% |
| — | +163.2% | +16.3% | +26.2% | +7.4% | +27.2% | +117.3% | +56.1% | -26.5% | -35.1% | -475.5% | -64.4% | -26.4% | |
| Net Margin | 27.8% | 42.5% | 19.5% | 18.5% | 17.2% | 17.9% | 16.7% | 14.7% | 16.0% | 15.2% | -101.7% | 10.2% | 21.9% |
| — | +137.4% | +16.5% | +26.1% | +7.3% | +17.5% | +116.4% | +44.2% | -26.7% | -33.9% | -496.8% | -61.7% | -26.7% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 19.5% | 11.1% | 3.1% | 2.9% | 2.7% | 2.7% | 2.7% | 2.3% | 2.5% | 2.3% | -5.3% | 1.3% | 3.1% |
| — | +306.7% | +14.5% | +22.6% | +7.4% | +17.1% | +149.9% | +76.9% | -17.6% | -28.8% | -249.8% | -59.5% | -8.9% | |
| ROA | 1.9% | 1.1% | 0.3% | 0.3% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | -0.4% | 0.1% | 0.3% |
| — | +360.4% | +19.7% | +29.3% | +11.6% | +26.1% | +153.9% | +80.5% | -14.5% | -23.5% | -259.4% | -58.2% | -14.6% | |
| ROIC | 10.9% | 7.2% | 1.6% | 1.5% | 1.4% | 1.4% | 1.3% | 1.1% | 1.3% | 1.2% | -3.1% | 0.7% | 1.9% |
| — | +427.9% | +24.1% | +27.7% | +4.4% | +14.6% | +142.7% | +55.7% | -31.6% | -44.1% | -223.2% | -68.8% | -29.4% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Tompkins Financial Corporation's Debt/EBITDA ratio is 4.7x, down from 15.8x last quarter — elevated, raising questions about debt serviceability. The current ratio has weakened 21.6% YoY to 0.15x, tightening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.70 | 0.70 | 0.67 | 1.05 | 0.83 | 1.11 | 0.84 | 1.20 | 0.85 | 0.97 | 0.58 | 0.69 | 0.60 |
| — | -36.5% | -20.8% | -12.3% | -1.8% | +13.6% | +46.0% | +74.2% | +40.8% | +73.2% | +111.2% | +24.2% | +237.4% | |
| Debt / EBITDA | 2.94 | 4.72 | 15.84 | 28.32 | 23.88 | 28.09 | 24.74 | 34.75 | 25.62 | 30.49 | — | 33.37 | 13.91 |
| — | -83.2% | -36.0% | -18.5% | -6.8% | -7.9% | — | +4.1% | +84.2% | +136.7% | — | +190.0% | +293.7% | |
| Current Ratio | 0.15 | 0.15 | 0.15 | 0.20 | 0.15 | 0.19 | 0.22 | 0.22 | 0.22 | 0.22 | 0.23 | 0.24 | 0.25 |
| — | -21.6% | -32.1% | -9.8% | -31.4% | -12.8% | -5.3% | -7.9% | -13.1% | -10.9% | -13.1% | -17.3% | -17.0% | |
| Quick Ratio | 0.15 | 0.15 | 0.15 | 0.20 | 0.15 | 0.19 | 0.22 | 0.22 | 0.22 | 0.22 | 0.23 | 0.24 | 0.25 |
| — | -21.6% | -32.1% | -9.8% | -31.4% | -12.8% | -5.3% | -7.9% | -13.1% | -10.9% | -13.1% | -17.3% | -17.0% | |
| Interest Coverage | 1.70 | 4.39 | 0.91 | 0.84 | 0.79 | 0.76 | 0.68 | 0.60 | 0.68 | 0.64 | -1.70 | 0.52 | 1.69 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 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 8.0x. The average P/E over the last 4 quarters is 8.7x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Tompkins Financial Corporation's current operating margin is 38.8%. Margins have been expanding 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.