10 Year Financial Data of Tompkins Financial Corporation (TMP)

43.22 (1y: +17%)

Market Cap	613.91 M	P/E(ttm)
Enterprise Value	770.56 M	P/B	1.40

TMP- AMEX (USA)
Tompkins Financial Corporation

Currently 1/5

Business Predictability Rank: 1-Star (On Watch)
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
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$43.22

3 Severe Warning Signs 1 Medium Warning Sign

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Annual Rates (per share)	10 yrs*	5 yrs*	12 months*
Revenue Growth (%)	7.5	4.1	4.8
EBITDA Growth (%)	1.9	-2.8	-19.8
Free Cash Flow Growth (%)	5.4	8.1	-4.7
Book Value Growth (%)	9.6	14.1	12.9

*12-month growth rate is calculated with the per share revenue (EBITDA, FCF, earnings) of the last 12 months over the per share revenue (EBITDA, FCF, earnings) over the previous 12 months. 5-year and 10-year growth rates are calculated with least-square regression based on the 5-year and 10-year numbers.

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See this page for the explanation of the data and charts * All numbers are in millions except for per share data

Per Share Data	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Revenue per Share ($)	8.41	8.19	9.63	10.37	10.99	12.73	12.95	14.54	14.45	14.72	14.98	3.51	3.36	3.78	3.99	3.85
EBITDA per Share	4.01	3.68	4.30	4.28	4.18	4.74	4.46	5.14	5.19	3.82	4.04	1.16	1.18	0.45	1.09	1.32
Free Cashflow per Share	3.12	2.96	3.48	3.42	3.50	5.74	1.58	5.64	6.22	4.26	5.09	0.38	1.50	-0.22	2.44	1.37
Earnings per Share ($)	2.19	2.11	2.52	2.53	2.46	2.78	2.69	3.11	3.20	2.43	2.54	0.70	0.72	0.25	0.78	0.79
Dividends Per Share	0.64	0.90	0.99	1.07	1.13	1.20	1.24	1.36	1.40	1.46	1.48	0.36	0.36	0.36	0.38	0.38
Book Value per Share	14.41	14.09	16.50	17.26	18.35	20.33	20.58	25.03	26.98	34.27	30.85	27.32	28.95	32.24	30.58	30.85
Month End Stock Price	35.87	40.42	37.03	41.32	35.27	52.68	36.82	39.16	38.51	39.64	42.28	40.06	37.68	40.52	39.64	42.28
Ratios	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Return on Equity %	15.20	15.00	15.30	14.60	13.40	13.70	13.10	12.40	11.90	7.10	10.40	10.40	10.00	3.20	10.00	10.40
Return on Assets %	1.30	1.30	1.30	1.30	1.10	1.00	1.00	1.00	1.00	0.60	0.80	0.80	1.20	0.40	0.80	0.80
Return on Capital - Joel Greenblatt %	--	--	--	--	--	--	3,676	--	--	--	--	--	--	--	--	--
Debt to Equity	0.55	0.37	0.35	0.45	1.07	1.26	0.86	0.90	0.63	0.25	0.35	0.44	0.35	0.29	0.25	0.35

Operating Margin %	39.20	38.50	38.80	35.60	32.60	32.20	30.90	31.90	32.60	22.50	30.60	29.70	31.80	8.30	23.70	30.60
Net Margin %	26.10	25.80	26.20	24.40	22.30	21.90	20.80	21.40	22.20	16.60	20.70	20.00	21.60	6.80	19.40	20.70

Debt to Revenue	0.94	0.64	0.60	0.75	1.79	2.01	1.36	1.55	1.17	0.59	2.82	3.40	2.98	2.44	1.95	2.82
Interest Exp. to Revenue %	72.77	71.83	70.91	63.94	62.70	66.26	69.85	70.77	69.88	70.99	68.72	70.18	68.77	71.32	72.84	68.72

Asset Turnover	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.04	0.01	0.01	0.01	0.01	0.01	0.01
Buyback Ratio	--	--	--	--	--	--	-2.00	-12.30	--	-131	-14.70	22.30	-433	-0.10	-8.80	-14.70
Dividend Payout Ratio	0.29	0.43	0.39	0.42	0.46	0.43	0.46	0.44	0.44	0.60	0.48	0.51	0.50	1.41	0.49	0.48
Income Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Net Interest Income	67.50	71.35	75.02	72.86	74.03	90.39	107	112	111	134	145	27.44	28.11	36.74	41.85	38.21
Non Interest Income	25.26	27.98	30.78	41.09	44.05	46.04	46.21	46.16	48.01	54.81	60.54	11.66	12.77	14.77	15.61	17.39
Revenue	92.76	99.33	106	114	118	136	153	158	159	189	205	39.10	40.88	51.52	57.46	55.60

Selling, General, &Admin. Expense	32.91	35.88	38.35	44.46	47.50	53.15	58.80	60.82	79.91	72.46	78.75	17.88	15.76	19.48	21.10	22.41
Credit Losses Provision	2.50	2.86	2.66	1.42	1.53	5.43	9.29	8.51	8.95	8.84	8.75	1.13	1.01	1.04	5.66	1.04
Other Expenses	13.07	15.89	17.58	21.06	24.13	27.01	32.42	32.80	13.29	58.56	62.76	7.15	9.77	24.90	14.99	13.10
Earnings Before DDA	44.28	44.70	47.22	47.01	44.92	50.84	52.74	55.81	57.27	49.10	55.19	12.95	14.34	6.10	15.71	19.04

Depreciation, Depletion and Amortization	7.88	6.46	6.20	6.40	6.43	6.90	5.40	5.43	5.35	6.59	7.25	1.34	1.33	1.82	2.10	2.00

Operating Income	36.40	38.24	41.02	40.61	38.49	43.94	47.35	50.38	51.92	42.51	47.94	11.61	13.01	4.28	13.61	17.04
Net Income	24.21	25.62	27.69	27.77	26.37	29.83	31.83	33.83	35.42	31.29	34.98	7.81	8.83	3.49	11.16	11.51

Earnings per Share ($)	2.19	2.11	2.52	2.53	2.46	2.78	2.69	3.11	3.20	2.43	2.54	0.70	0.72	0.25	0.78	0.79
Total Shares Outstanding	11.03	12.13	10.98	10.99	10.74	10.72	11.84	10.86	11.04	12.84	14.44	11.15	12.17	13.63	14.39	14.44
Balance Sheet	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Cash and cash equivalents	65.76	40.93	63.30	49.97	49.86	52.25	45.36	49.57	49.47	119	99.15	103	59.78	143	119	99.15
Money Market Investments	--	--	2.50	2.20	--	--	0.10	0.10	0.10	--	--	--	--	--	--	--
Net Loan	1,057	1,160	1,258	1,312	1,426	1,799	1,890	1,883	1,954	2,930	2,969	1,951	1,993	2,903	2,930	2,969
Securities & Investments	642	660	659	714	749	857	1,005	1,117	1,190	1,434	1,567	1,286	1,228	1,517	1,434	1,567
Accounts Receivable	33.40	37.32	45.95	38.15	34.19	31.67	62.92	56.77	51.79	100	97.50	53.37	47.56	104	100	97.50
Property, Plant and Equipment	28.47	33.12	36.94	43.27	44.81	46.61	46.65	46.10	44.71	54.58	54.90	45.20	45.17	53.92	54.58	54.90
Intangible Assets	14.86	15.06	14.45	25.29	26.39	46.78	46.45	45.86	47.99	111	110	48.57	48.65	115	111	110
Other Assets	22.84	23.94	27.17	25.62	29.82	34.80	55.99	62.01	62.11	88.87	89.77	59.93	60.56	89.45	88.87	89.77
Total Assets	1,864	1,970	2,107	2,211	2,359	2,868	3,153	3,260	3,400	4,837	4,987	3,547	3,483	4,925	4,837	4,987

Total Deposits	1,411	1,561	1,683	1,709	1,721	2,134	2,440	2,496	2,661	3,950	4,072	2,859	2,765	4,038	3,950	4,072
Current Portion of Long-Term Debt	--	--	--	--	--	--	--	--	--	--	--	--	--	--	--	--
Long-Term Debt	87.11	63.30	63.67	85.94	211	275	209	244	186	112	157	133	122	125	112	157
Other liabilities	207	175	179	226	231	241	261	248	256	335	313	250	243	322	335	313
Total Liabilities	1,705	1,799	1,926	2,021	2,162	2,650	2,910	2,988	3,103	4,397	4,542	3,242	3,130	4,485	4,397	4,542

Common Stock	0.82	0.82	0.90	0.99	0.96	0.97	0.98	1.09	1.12	1.44	1.45	1.12	1.23	1.44	1.44	1.45
Retained Earnings	78.68	94.52	69.23	44.43	57.26	73.78	92.40	76.45	96.45	109	115	100	105	103	109	115
Additional Paid-In Capital	76.93	75.84	119	158	148	153	156	198	206	335	337	209	248	333	335	337
Treasury Stock	-0.47	-1.04	-1.26	-1.51	-1.78	-2.08	-2.33	-2.44	-2.59	-2.79	-2.77	-2.53	-2.61	-2.69	-2.79	-2.77
Total Equity	159	171	181	190	197	218	244	272	298	440	445	304	352	439	440	445
Cashflow Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Net Income	24.21	25.62	27.69	27.77	26.37	29.83	31.83	33.83	35.42	31.29	34.98	7.81	8.83	3.48	11.16	11.51
Depreciation, Depletion and Amortization	7.88	6.46	6.20	6.40	6.43	6.90	5.40	5.43	5.35	6.59	7.25	1.34	1.33	1.82	2.10	2.00
Cash Flow from Others	2.36	3.79	4.31	3.39	4.77	24.80	-13.37	25.60	31.23	23.90	35.22	-3.40	9.02	-5.67	23.96	7.92
Cash Flow from Operations	34.44	35.87	38.19	37.55	37.57	61.53	23.86	64.85	71.99	61.78	77.45	5.75	19.18	-0.37	37.21	21.43

Investment for Property, Plant & Equipement	--	--	--	--	--	--	-5.17	-3.53	-3.31	-7.07	-7.22	-1.47	-0.94	-2.61	-2.05	-1.62
Cash Flow from Acquisitions	-0.27	-0.48	--	-3.29	-0.31	12.18	--	--	-0.24	4.29	5.04	-0.76	-0.28	5.33	--	--
Cash Flow from Investing	-207	-140	-124	-120	-155	-293	-278	-134	-153	27.26	-60.92	-96.90	16.05	70.83	37.28	-185

Net Issuance of Stock	-2.87	-2.20	-0.07	-7.73	-12.30	-1.23	0.45	4.15	-0.01	40.93	40.87	1.75	38.20	0.00	0.98	1.69
Net Issuance of Debt	115	-58.00	-0.69	60.90	128	62.79	-64.98	34.93	-58.58	-73.98	24.00	-53.10	-10.87	3.50	-13.51	44.88
Cash Flow for Dividends	-9.09	-9.77	-10.50	-11.31	-12.02	-12.73	-13.21	-14.38	-15.42	-19.02	-20.49	-4.01	-4.40	-5.16	-5.46	-5.47
Other Financing	70.84	150	122	26.81	11.46	185	325	48.44	155	32.40	-65.08	200	-102	14.08	-80.24	103
Cash Flow from Financing	174	79.78	111	68.67	115	234	247	73.14	80.53	-19.67	-20.70	145	-78.77	12.42	-98.23	144

Net Change in Cash	1.46	-24.82	24.87	-13.62	-2.32	2.39	-6.89	4.20	-0.10	69.36	-4.16	53.75	-43.54	82.89	-23.74	-19.78

Free Cash Flow	34.44	35.87	38.19	37.55	37.57	61.53	18.70	61.32	68.68	54.71	70.24	4.28	18.24	-2.98	35.16	19.81
Valuation Ratios (Daily)	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

PE Ratio(ttm)
Price to Tangible Book
Price-to-Free-Cash-Flow ratio
PS Ratio
EV-to-Revenue
EV-to-EBITDA
EV-to-EBIT
Earnings Yield (Joel Greenblatt)
Forward Rate of Return
Shiller PE Ratio
Valuation and Quality	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Market Cap
Enterprise Value
Month End Stock Price
Net Cash (per share)
Net Current Asset Value (per share)
DCF (per share)
Median PS (per share)
Peter Lynch Fair Value (per share)
Graham Number (per share)
Altman Z-Score
Piotroski F-Score

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TMP Quarterly/Annuals Reports

TMP: 10-Q - TOMPKINS FINANCIAL CORP (0001005817) (Filer): (10-Q) - 2012-11-09
TMP: 10-Q/A - TOMPKINS FINANCIAL CORP (0001005817) (Filer): (10-Q/A) - 2012-09-07
TMP: 10-Q - TOMPKINS FINANCIAL CORP (0001005817) (Filer): (10-Q) - 2012-08-09
TMP: 10-Q - TOMPKINS FINANCIAL CORP (0001005817) (Filer): (10-Q) - 2012-05-10
TMP: 10-K/A - TOMPKINS FINANCIAL CORP (0001005817) (Filer): (10-K/A) - 2012-04-30

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