Switch to:

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 : 6/10

vs
industry
vs
history
Cash to Debt 0.26
TMP's Cash to Debt is ranked higher than
56% of the 1266 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.28 vs. TMP: 0.26 )
TMP' s 10-Year Cash to Debt Range
Min: 0.19   Max: 2.47
Current: 0.26

0.19
2.47
Equity to Asset 0.10
TMP's Equity to Asset is ranked higher than
74% of the 1651 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. TMP: 0.10 )
TMP' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.1
Current: 0.1

0.08
0.1
Interest Coverage 2.99
TMP's Interest Coverage is ranked higher than
83% of the 1508 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. TMP: 2.99 )
TMP' s 10-Year Interest Coverage Range
Min: 0.66   Max: 2.99
Current: 2.99

0.66
2.99
F-Score: 4
Z-Score: 0.21
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 : 7/10

vs
industry
vs
history
Operating margin (%) 31.06
TMP's Operating margin (%) is ranked higher than
76% of the 1652 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.46 vs. TMP: 31.06 )
TMP' s 10-Year Operating margin (%) Range
Min: 22.5   Max: 43.37
Current: 31.06

22.5
43.37
Net-margin (%) 22.01
TMP's Net-margin (%) is ranked higher than
75% of the 1671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.71 vs. TMP: 22.01 )
TMP' s 10-Year Net-margin (%) Range
Min: 16.56   Max: 28.94
Current: 22.01

16.56
28.94
ROE (%) 11.14
TMP's ROE (%) is ranked higher than
86% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.17 vs. TMP: 11.14 )
TMP' s 10-Year ROE (%) Range
Min: 7.11   Max: 22.83
Current: 11.14

7.11
22.83
ROA (%) 1.02
TMP's ROA (%) is ranked higher than
83% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. TMP: 1.02 )
TMP' s 10-Year ROA (%) Range
Min: 0.65   Max: 2.07
Current: 1.02

0.65
2.07
ROC (Joel Greenblatt) (%) 128.31
TMP's ROC (Joel Greenblatt) (%) is ranked higher than
85% of the 1624 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 73.28 vs. TMP: 128.31 )
TMP' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 77.88   Max: 290.38
Current: 128.31

77.88
290.38
Revenue Growth (%) 2.90
TMP's Revenue Growth (%) is ranked higher than
81% of the 1452 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. TMP: 2.90 )
TMP' s 10-Year Revenue Growth (%) Range
Min: 1.1   Max: 14.4
Current: 2.9

1.1
14.4
EBITDA Growth (%) 2.10
TMP's EBITDA Growth (%) is ranked higher than
66% of the 1307 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. TMP: 2.10 )
TMP' s 10-Year EBITDA Growth (%) Range
Min: -8   Max: 12.5
Current: 2.1

-8
12.5
EPS Growth (%) 3.90
TMP's EPS Growth (%) is ranked higher than
68% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.10 vs. TMP: 3.90 )
TMP' s 10-Year EPS Growth (%) Range
Min: -6.2   Max: 12.6
Current: 3.9

-6.2
12.6
» TMP's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

TMP Guru Trades in

Q2 2012

TMP Guru Trades in Q2 2012

Jim Simons 17,430 sh (+51.17%)
» More
Q3 2012

TMP Guru Trades in Q3 2012

Jim Simons Sold Out
» More
Q2 2014

TMP Guru Trades in Q2 2014

Jim Simons 7,730 sh (New)
» 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%)



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 12.40
TMP's P/E(ttm) is ranked higher than
82% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.40 vs. TMP: 12.40 )
TMP' s 10-Year P/E(ttm) Range
Min: 11.01   Max: 19.8
Current: 12.4

11.01
19.8
P/B 1.40
TMP's P/B is ranked higher than
59% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. TMP: 1.40 )
TMP' s 10-Year P/B Range
Min: 1.22   Max: 2.73
Current: 1.4

1.22
2.73
P/S 2.90
TMP's P/S is ranked higher than
67% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.11 vs. TMP: 2.90 )
TMP' s 10-Year P/S Range
Min: 2.4   Max: 16.22
Current: 2.9

2.4
16.22
PFCF 11.50
TMP's PFCF is ranked higher than
75% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 109.09 vs. TMP: 11.50 )
TMP' s 10-Year PFCF Range
Min: 5.72   Max: 21.16
Current: 11.5

5.72
21.16
EV-to-EBIT 10.92
TMP's EV-to-EBIT is ranked higher than
85% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.74 vs. TMP: 10.92 )
TMP' s 10-Year EV-to-EBIT Range
Min: 8.1   Max: 49.6
Current: 10.92

8.1
49.6
Shiller P/E 14.10
TMP's Shiller P/E is ranked higher than
86% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.55 vs. TMP: 14.10 )
TMP' s 10-Year Shiller P/E Range
Min: 11.25   Max: 20.92
Current: 14.1

11.25
20.92

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.50
TMP's Dividend Yield is ranked higher than
73% of the 1413 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.42 vs. TMP: 3.50 )
TMP' s 10-Year Dividend Yield Range
Min: 1.74   Max: 4.12
Current: 3.5

1.74
4.12
Dividend Payout 0.43
TMP's Dividend Payout is ranked higher than
66% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.48 vs. TMP: 0.43 )
TMP' s 10-Year Dividend Payout Range
Min: 0.3   Max: 1.44
Current: 0.43

0.3
1.44
Dividend growth (3y) 4.20
TMP's Dividend growth (3y) is ranked higher than
75% of the 979 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.40 vs. TMP: 4.20 )
TMP' s 10-Year Dividend growth (3y) Range
Min: -4.9   Max: 18.8
Current: 4.2

-4.9
18.8
Yield on cost (5-Year) 4.51
TMP's Yield on cost (5-Year) is ranked higher than
75% of the 1426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.64 vs. TMP: 4.51 )
TMP' s 10-Year Yield on cost (5-Year) Range
Min: 2.24   Max: 5.31
Current: 4.51

2.24
5.31
Share Buyback Rate -10.30
TMP's Share Buyback Rate is ranked higher than
57% of the 1240 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. TMP: -10.30 )
TMP' s 10-Year Share Buyback Rate Range
Min: 2.2   Max: -10.9
Current: -10.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.79
TMP's Price/Tangible Book is ranked higher than
63% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. TMP: 1.79 )
TMP' s 10-Year Price/Tangible Book Range
Min: 1.44   Max: 6.72
Current: 1.79

1.44
6.72
Price/DCF (Projected) 0.74
TMP's Price/DCF (Projected) is ranked higher than
77% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. TMP: 0.74 )
TMP' s 10-Year Price/DCF (Projected) Range
Min: 0.56   Max: 1.42
Current: 0.74

0.56
1.42
Price/Median PS Value 0.88
TMP's Price/Median PS Value is ranked higher than
91% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. TMP: 0.88 )
TMP' s 10-Year Price/Median PS Value Range
Min: 0.76   Max: 4.97
Current: 0.88

0.76
4.97
Price/Graham Number 1.00
TMP's Price/Graham Number is ranked higher than
74% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. TMP: 1.00 )
TMP' s 10-Year Price/Graham Number Range
Min: 0.75   Max: 2.96
Current: 1

0.75
2.96
Earnings Yield (Greenblatt) 9.30
TMP's Earnings Yield (Greenblatt) is ranked higher than
80% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. TMP: 9.30 )
TMP' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2   Max: 12.3
Current: 9.3

2
12.3
Forward Rate of Return (Yacktman) 8.20
TMP's Forward Rate of Return (Yacktman) is ranked higher than
63% of the 1309 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.11 vs. TMP: 8.20 )
TMP' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 0.1   Max: 32.3
Current: 8.2

0.1
32.3

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Tompkins Financial Corporation is registered as a Financial Holding Company with the Federal Reserve Board under the Bank Holding Company Act of 1956. The Company is a locally oriented, community-based financial services organization that offers a full array of products and services, including commercial and consumer banking, leasing, trust and investment management, financial planning and wealth management, insurance, and brokerage services. It conducts its business through its four wholly-owned banking subsidiaries: Tompkins Trust Company, The Bank of Castile, Mahopac National Bank and VIST Bank. The Bank of Castile and The Mahopac National Bank, through its wholly-owned insurance subsidiary, Tompkins Insurance Agencies, Inc., and through its wholly-owned financial planning, wealth management and broker-dealer subsidiary, AM&M Financial Services, Inc. Banking services consist mainly of attracting deposits from the areas served by the Company's banking subsidiaries' 45 banking offices and using those deposits to originate a variety of commercial loans, consumer loans, real estate loans, and leases in those same areas. Residential real estate mortgage loans are generally underwritten in accordance with Federal Home Loan Mortgage Corporation guidelines, which enhance the liquidity of these lending products. Tompkins's subsidiary banks have sold residential mortgage loans to FHLMC over the past several years to manage exposure to changing interest rates and to take advantage of favorable market conditions. The Company's subsidiary banks retain the servicing of the loans sold to FHLMC and record a servicing asset at the time of sale. Tompkins's subsidiary banks provide financial services to Corporations and other business clients. Lending activities include loans for a variety of business purposes, including real estate financing, construction, equipment financing, accounts receivable financing, and commercial leasing. Other commercial services include deposit and cash management services, letters of credit, sweep accounts, credit cards, purchasing cards, Internet-based account services, and remote deposit services. The Company's subsidiary banks provide a variety of retail banking services including checking accounts, savings accounts, time deposits, IRA products, brokerage services, residential mortgage loans, personal loans, home equity loans, credit cards, debit cards and safe deposit services. Tompkins provides property and casualty insurance services and Employee benefits consulting through Tompkins Insurance. Tompkins Insurance is an independent insurance agency, representing many major insurance carriers. Tompkins Insurance has automated systems for record keeping, claim processing and coverage confirmation, and could provide insurance pricing comparisons from a range of insurance companies. In one or more aspects of its business, the Company's subsidiaries compete with other commercial banks, savings and loan associations,
» 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 
banca Nov 03 2011 
Predictable dividend Oct 12 2011 
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 
10 Dividend Contenders - Part XI May 06 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 

More From Other Websites
TOMPKINS FINANCIAL CORP Financials Aug 19 2014
TOMPKINS FINANCIAL CORP Files SEC form 10-Q, Quarterly Report Aug 11 2014
Fulmer Retiring as President of Tompkins Bank of Castile Jul 30 2014
TOMPKINS FINANCIAL CORP Files SEC form 8-K, Change in Directors or Principal Officers, Other Events Jul 30 2014
TOMPKINS FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Other... Jul 25 2014
Tompkins Financial Corporation Reports Record Second Quarter Earnings Jul 25 2014
Tompkins Financial Corporation Announces Approval of Stock Repurchase Program Jul 25 2014
Tompkins Financial Corporation Declares Cash Dividend Jul 25 2014
Tompkins Financial board approves stock repurchase program Jul 25 2014
Tompkins Financial Corporation Declares Cash Dividend Jul 25 2014
Tompkins Financial Corporation Reports Record Second Quarter Earnings Jul 25 2014
Tompkins Financial Corporation Announces Approval of Stock Repurchase Program Jul 25 2014
Tompkins Financial Corporation: Double-Digit Returns, Top-Notch Community Bank Jul 14 2014
Tompkins Financial Corp. Promotes Susan Valenti to Executive Vice President Jun 16 2014
Tompkins Financial Corp. Promotes Rosemary Hyland to Executive Vice President Jun 16 2014
TOMPKINS FINANCIAL CORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders,... May 15 2014
TOMPKINS FINANCIAL CORP Files SEC form 10-Q, Quarterly Report May 12 2014
TOMPKINS FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Other... Apr 25 2014
Tompkins Financial Corporation Reports Increased First Quarter Earnings Apr 25 2014
Tompkins Financial Corporation Declares Cash Dividend Apr 25 2014

Personalized Checklist








Within your circle of competence?
Macro economic environment favorable?
High quality business?
Enough margin of safety with stocks?
Gurus are buying?
Insiders are buying?
Management capable and shareholder friendly?
Catalyst for stock price to appreciate?
Your level of confidence with the research?

Add Notes, Comments or Ask Questions

User Comments

No comment yet

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
Free 7-day Trial
FEEDBACK