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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash-to-Debt 0.07
TMP's Cash-to-Debt is ranked lower than
96% of the 1592 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.23 vs. TMP: 0.07 )
Ranked among companies with meaningful Cash-to-Debt only.
TMP' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.07  Med: 0.65 Max: No Debt
Current: 0.07
Equity-to-Asset 0.09
TMP's Equity-to-Asset is ranked lower than
63% of the 1591 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. TMP: 0.09 )
Ranked among companies with meaningful Equity-to-Asset only.
TMP' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.09 Max: 0.1
Current: 0.09
0.08
0.1
Interest Coverage 3.91
TMP's Interest Coverage is ranked higher than
74% of the 1515 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. TMP: 3.91 )
Ranked among companies with meaningful Interest Coverage only.
TMP' s Interest Coverage Range Over the Past 10 Years
Min: 0.66  Med: 1.89 Max: 4.3
Current: 3.91
0.66
4.3
Beneish M-Score: -2.67
WACC vs ROIC
4.93%
5.19%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating Margin % 34.68
TMP's Operating Margin % is ranked higher than
58% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.37 vs. TMP: 34.68 )
Ranked among companies with meaningful Operating Margin % only.
TMP' s Operating Margin % Range Over the Past 10 Years
Min: 22.5  Med: 32.39 Max: 36.42
Current: 34.68
22.5
36.42
Net Margin % 23.79
TMP's Net Margin % is ranked higher than
53% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.70 vs. TMP: 23.79 )
Ranked among companies with meaningful Net Margin % only.
TMP' s Net Margin % Range Over the Past 10 Years
Min: 16.56  Med: 22.1 Max: 24.31
Current: 23.79
16.56
24.31
ROE % 10.76
TMP's ROE % is ranked higher than
66% of the 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.58 vs. TMP: 10.76 )
Ranked among companies with meaningful ROE % only.
TMP' s ROE % Range Over the Past 10 Years
Min: 8.48  Med: 11.96 Max: 14.37
Current: 10.76
8.48
14.37
ROA % 1.00
TMP's ROA % is ranked higher than
58% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. TMP: 1.00 )
Ranked among companies with meaningful ROA % only.
TMP' s ROA % Range Over the Past 10 Years
Min: 0.76  Med: 1.06 Max: 1.15
Current: 1
0.76
1.15
3-Year Revenue Growth Rate 1.80
TMP's 3-Year Revenue Growth Rate is ranked lower than
62% of the 1354 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. TMP: 1.80 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
TMP' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -0.1  Med: 6.6 Max: 20.4
Current: 1.8
-0.1
20.4
3-Year EBITDA Growth Rate 5.30
TMP's 3-Year EBITDA Growth Rate is ranked lower than
53% of the 1256 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. TMP: 5.30 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
TMP' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -7.9  Med: 5.75 Max: 24.1
Current: 5.3
-7.9
24.1
3-Year EPS without NRI Growth Rate 4.20
TMP's 3-Year EPS without NRI Growth Rate is ranked lower than
59% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. TMP: 4.20 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
TMP' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -6.4  Med: 6.85 Max: 16.8
Current: 4.2
-6.4
16.8
GuruFocus has detected 2 Warning Signs with Tompkins Financial Corp $TMP.
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» TMP's 10-Y Financials

Financials (Next Earnings Date: 2017-07-22 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

TMP Guru Trades in Q1 2016

Jim Simons 73,300 sh (+32.79%)
» More
Q2 2016

TMP Guru Trades in Q2 2016

Jim Simons 76,100 sh (+3.82%)
» More
Q3 2016

TMP Guru Trades in Q3 2016

Jim Simons 68,600 sh (-9.86%)
» More
Q4 2016

TMP Guru Trades in Q4 2016

Jim Simons 70,400 sh (+2.62%)
» More
» Details

Insider Trades

Latest Guru Trades with TMP

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NYSE:BHLB, NAS:SRCE, NAS:CSFL, NYSE:FBP, NAS:HTLF, NAS:BNCL, NAS:IBTX, NAS:STBA, NYSE:FCF, NAS:BPFH, NAS:BANF, NAS:BUSE, NAS:WSFS, NAS:BRKL, NAS:WABC, NAS:LKFN, NAS:PPBI, NYSE:BANC, NAS:UBSH, NAS:STBZ » details
Headquarter Location:USA
Tompkins Financial Corp is a community-based financial services organization that offers commercial and consumer banking, leasing, trust and investment management, financial planning and wealth management, and insurance.

Tompkins Financial Corp was organized in 1995, under the laws of the State of New York, as a bank holding company for the Trust Company, a commercial bank that has operated in Ithaca, New York and surrounding communities since 1836. The Company is a community-based financial services organization that offers products and services, including commercial and consumer banking, leasing, trust and investment management, financial planning and wealth management, and insurance. The Company, together with its subsidiaries, provides a full array of investment services under the trade name of Tompkins Financial Advisors, including investment management, trust and estate, financial and tax planning as well as life, disability and long-term care insurance services. It operates in three business segments; banking, insurance and wealth management. The Banking services consist of attracting deposits from the areas served by the Company's four banking subsidiaries' through banking offices, and using those deposits to originate a variety of commercial loans, agricultural loans, consumer loans, real estate loans, and leases in those same areas. Insurance segment is comprised of property and casualty insurance services and employee benefit consulting operated under the Tompkins Insurance Agencies, Inc. subsidiary. Wealth management services consists of investment management, trust and estate, financial and tax planning as well as life, disability and long-term care insurance services. It provides a variety of financial services to individuals and small business customers. Its commercial services includes deposit and cash management services, letters of credit, sweep accounts, credit cards, purchasing cards, Internet-based account services, and remote deposit services. Its retail services are accessible through a variety of delivery systems including branch facilities, ATMs, voice response, Mobile banking, Internet banking, and remote deposit services. The Company also provides property and casualty insurance, employee benefit consulting, and life, long-term care and disability insurance through Tompkins Insurance. It operates four banking subsidiaries, an insurance agency subsidiary, and a financial planning, wealth management, and broker-dealer subsidiary in New York. The Company, together with its subsidiaries competes with commercial banks, savings and loan associations, credit unions, finance companies, Internet-based financial services companies, mutual funds, insurance companies, brokerage and investment banking companies, and other financial intermediaries. The Company is subject to extensive state and federal laws and regulations, supervision, and legislation that affect how it conducts its business.

Ratios

vs
industry
vs
history
PE Ratio 21.94
TMP's PE Ratio is ranked lower than
75% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 vs. TMP: 21.94 )
Ranked among companies with meaningful PE Ratio only.
TMP' s PE Ratio Range Over the Past 10 Years
Min: 11.02  Med: 14.76 Max: 24.18
Current: 21.94
11.02
24.18
PE Ratio without NRI 21.94
TMP's PE Ratio without NRI is ranked lower than
75% of the 1477 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.63 vs. TMP: 21.94 )
Ranked among companies with meaningful PE Ratio without NRI only.
TMP' s PE Ratio without NRI Range Over the Past 10 Years
Min: 11.02  Med: 14.76 Max: 24.18
Current: 21.94
11.02
24.18
Price-to-Owner-Earnings 21.63
TMP's Price-to-Owner-Earnings is ranked lower than
74% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.21 vs. TMP: 21.63 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
TMP' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 9.81  Med: 14.55 Max: 44.96
Current: 21.63
9.81
44.96
PB Ratio 2.37
TMP's PB Ratio is ranked lower than
88% of the 1611 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. TMP: 2.37 )
Ranked among companies with meaningful PB Ratio only.
TMP' s PB Ratio Range Over the Past 10 Years
Min: 1.22  Med: 1.62 Max: 2.6
Current: 2.37
1.22
2.6
PS Ratio 5.13
TMP's PS Ratio is ranked lower than
74% of the 1586 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.40 vs. TMP: 5.13 )
Ranked among companies with meaningful PS Ratio only.
TMP' s PS Ratio Range Over the Past 10 Years
Min: 2.3  Med: 3.09 Max: 7.95
Current: 5.13
2.3
7.95
Price-to-Free-Cash-Flow 17.16
TMP's Price-to-Free-Cash-Flow is ranked lower than
67% of the 870 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.33 vs. TMP: 17.16 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
TMP' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 5.5  Med: 10.52 Max: 29.69
Current: 17.16
5.5
29.69
Price-to-Operating-Cash-Flow 14.12
TMP's Price-to-Operating-Cash-Flow is ranked lower than
62% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.82 vs. TMP: 14.12 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
TMP' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 5.17  Med: 9.67 Max: 20.25
Current: 14.12
5.17
20.25
EV-to-EBIT 24.49
TMP's EV-to-EBIT is ranked lower than
80% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.52 vs. TMP: 24.49 )
Ranked among companies with meaningful EV-to-EBIT only.
TMP' s EV-to-EBIT Range Over the Past 10 Years
Min: 8.1  Med: 12.8 Max: 27.5
Current: 24.49
8.1
27.5
EV-to-EBITDA 22.19
TMP's EV-to-EBITDA is ranked lower than
81% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.29 vs. TMP: 22.19 )
Ranked among companies with meaningful EV-to-EBITDA only.
TMP' s EV-to-EBITDA Range Over the Past 10 Years
Min: 7.4  Med: 11.4 Max: 23.8
Current: 22.19
7.4
23.8
PEG Ratio 2.71
TMP's PEG Ratio is ranked lower than
71% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.43 vs. TMP: 2.71 )
Ranked among companies with meaningful PEG Ratio only.
TMP' s PEG Ratio Range Over the Past 10 Years
Min: 0.44  Med: 2.5 Max: 74.22
Current: 2.71
0.44
74.22
Shiller PE Ratio 25.41
TMP's Shiller PE Ratio is ranked lower than
58% of the 479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.93 vs. TMP: 25.41 )
Ranked among companies with meaningful Shiller PE Ratio only.
TMP' s Shiller PE Ratio Range Over the Past 10 Years
Min: 12.21  Med: 16 Max: 27.97
Current: 25.41
12.21
27.97

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.07
TMP's Dividend Yield % is ranked lower than
61% of the 2319 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.69 vs. TMP: 2.07 )
Ranked among companies with meaningful Dividend Yield % only.
TMP' s Dividend Yield % Range Over the Past 10 Years
Min: 1.87  Med: 3.17 Max: 4.12
Current: 2.07
1.87
4.12
Dividend Payout Ratio 0.45
TMP's Dividend Payout Ratio is ranked lower than
69% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. TMP: 0.45 )
Ranked among companies with meaningful Dividend Payout Ratio only.
TMP' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.42  Med: 0.45 Max: 0.6
Current: 0.45
0.42
0.6
3-Year Dividend Growth Rate 4.70
TMP's 3-Year Dividend Growth Rate is ranked lower than
59% of the 768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. TMP: 4.70 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
TMP' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 4  Med: 6.55 Max: 20.2
Current: 4.7
4
20.2
Forward Dividend Yield % 2.15
TMP's Forward Dividend Yield % is ranked lower than
65% of the 2248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.73 vs. TMP: 2.15 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 2.63
TMP's 5-Year Yield-on-Cost % is ranked lower than
58% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.31 vs. TMP: 2.63 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
TMP' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.38  Med: 4.03 Max: 5.23
Current: 2.63
2.38
5.23
3-Year Average Share Buyback Ratio -0.80
TMP's 3-Year Average Share Buyback Ratio is ranked higher than
59% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. TMP: -0.80 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
TMP' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -15.1  Med: -1.05 Max: 3.3
Current: -0.8
-15.1
3.3

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.91
TMP's Price-to-Tangible-Book is ranked lower than
90% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. TMP: 2.91 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
TMP' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.34  Med: 2.17 Max: 3.28
Current: 2.91
1.34
3.28
Price-to-Intrinsic-Value-Projected-FCF 1.11
TMP's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
74% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. TMP: 1.11 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
TMP' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.57  Med: 0.91 Max: 1.53
Current: 1.11
0.57
1.53
Price-to-Intrinsic-Value-DCF (Earnings Based) 2.05
TMP's Price-to-Intrinsic-Value-DCF (Earnings Based) is ranked lower than
96% of the 139 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. TMP: 2.05 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-DCF (Earnings Based) only.
N/A
Price-to-Median-PS-Value 1.66
TMP's Price-to-Median-PS-Value is ranked lower than
81% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. TMP: 1.66 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
TMP' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.64  Med: 1.11 Max: 5.24
Current: 1.66
0.64
5.24
Price-to-Peter-Lynch-Fair-Value 2.37
TMP's Price-to-Peter-Lynch-Fair-Value is ranked lower than
78% of the 426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. TMP: 2.37 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
TMP' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.5  Med: 1.93 Max: 3.12
Current: 2.37
0.5
3.12
Price-to-Graham-Number 1.68
TMP's Price-to-Graham-Number is ranked lower than
88% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. TMP: 1.68 )
Ranked among companies with meaningful Price-to-Graham-Number only.
TMP' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.72  Med: 1.18 Max: 1.86
Current: 1.68
0.72
1.86
Earnings Yield (Greenblatt) % 4.07
TMP's Earnings Yield (Greenblatt) % is ranked lower than
61% of the 2207 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.95 vs. TMP: 4.07 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
TMP' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 3.6  Med: 7.8 Max: 12.3
Current: 4.07
3.6
12.3
Forward Rate of Return (Yacktman) % 15.17
TMP's Forward Rate of Return (Yacktman) % is ranked higher than
61% of the 890 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. TMP: 15.17 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
TMP' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -7.8  Med: 13.3 Max: 37
Current: 15.17
-7.8
37

More Statistics

Revenue (TTM) (Mil) $249.4
EPS (TTM) $ 3.91
Beta0.75
Short Percentage of Float6.81%
52-Week Range $61.84 - 96.70
Shares Outstanding (Mil)15.26
» More Articles for TMP

Headlines

Articles On GuruFocus.com
How to Calculate the Intrinsic Value of Your Common Stocks: Part 1 Sep 20 2013 
A Record Week for Dividend Increases Oct 28 2012 
Weekly Raised Dividends: PROV, KMI, OKE, ANCX, TMP Jul 25 2011 
13 Dividend Stocks Delivering Good News with Higher Dividends Jul 25 2011 
13 Dividend Stocks Delivering Good News With Higher Dividends Jul 22 2011 
Tompkins Financial Corp. Reports Operating Results (10-K) Mar 17 2011 
Four Financials at Historical Low Price/Book Ratios: HCBK, RBCAA, TMP, HCC Mar 03 2011 
Tompkins Financial Corp. (TMP) EVP, Pres.&CEO AM&M Financial Thomas J Rogers sells 3,740 Shares Feb 08 2011 
Tompkins Financial Corp. Reports Operating Results (10-Q) Nov 09 2010 
Tompkins Financial Corp. (TMP) EVP, CFO & Treasurer Francis M Fetsko sells 2,285 Shares Aug 02 2010 

More From Other Websites
Tompkins Financial Corp. breached its 50 day moving average in a Bearish Manner : TMP-US : March 3,... Mar 03 2017
ETFs with exposure to Tompkins Financial Corp. : February 2, 2017 Feb 02 2017
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Tompkins Financial Corporation Reports Cash Dividend Jan 27 2017
Tompkins Financial Corporation Reports Record Fourth Quarter and Full Year Earnings Jan 27 2017
Tompkins Financial Corp. breached its 50 day moving average in a Bearish Manner : TMP-US : January... Jan 23 2017
Tompkins Financial Corp. : TMP-US: Dividend Analysis : November 08th, 2016 (record date) : By the... Jan 06 2017
ETFs with exposure to Tompkins Financial Corp. : December 21, 2016 Dec 21 2016
Tompkins Financial Corporation Reports Record Third Quarter Earnings Oct 28 2016
Tompkins Financial Corporation Names Brian Howard as New President of Tompkins Financial Advisors Aug 01 2016
Tompkins Financial Corporation Reports Second Quarter Earnings Jul 22 2016
TOMPKINS FINANCIAL CORPORATION Announces New Stock Repurchase Program Jul 22 2016
Tompkins Financial Corp. breached its 50 day moving average in a Bullish Manner : TMP-US : July 11,... Jul 11 2016
Tompkins Financial Corp. :TMP-US: Earnings Analysis: Q1, 2016 By the Numbers : June 28, 2016 Jun 28 2016
Tompkins Financial Corp. breached its 50 day moving average in a Bearish Manner : TMP-US : June 20,... Jun 20 2016
Tompkins Financial Corp. breached its 50 day moving average in a Bullish Manner : TMP-US : May 19,... May 19 2016
Tompkins Financial Corp. :TMP-US: Earnings Analysis: Q1, 2016 By the Numbers Apr 27 2016

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