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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 : 6/10

vs
industry
vs
history
Cash to Debt 0.11
TMP's Cash to Debt is ranked lower than
92% of the 984 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. TMP: 0.11 )
Ranked among companies with meaningful Cash to Debt only.
TMP' s 10-Year Cash to Debt Range
Min: 0.11  Med: 0.60 Max: 2.47
Current: 0.11
0.11
2.47
Equity to Asset 0.09
TMP's Equity to Asset is ranked lower than
62% of the 1355 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 10-Year Equity to Asset Range
Min: 0.08  Med: 0.09 Max: 0.1
Current: 0.09
0.08
0.1
Interest Coverage 3.75
TMP's Interest Coverage is ranked higher than
74% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. TMP: 3.75 )
Ranked among companies with meaningful Interest Coverage only.
TMP' s 10-Year Interest Coverage Range
Min: 0.66  Med: 1.03 Max: 3.75
Current: 3.75
0.66
3.75
F-Score: 4
WACC vs ROIC
6.47%
7.18%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 35.81
TMP's Operating margin (%) is ranked higher than
64% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.25 vs. TMP: 35.81 )
Ranked among companies with meaningful Operating margin (%) only.
TMP' s 10-Year Operating margin (%) Range
Min: 22.5  Med: 38.58 Max: 43.37
Current: 35.81
22.5
43.37
Net-margin (%) 23.73
TMP's Net-margin (%) is ranked higher than
56% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.01 vs. TMP: 23.73 )
Ranked among companies with meaningful Net-margin (%) only.
TMP' s 10-Year Net-margin (%) Range
Min: 16.56  Med: 25.50 Max: 28.94
Current: 23.73
16.56
28.94
ROE (%) 11.33
TMP's ROE (%) is ranked higher than
69% of the 1427 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.44 vs. TMP: 11.33 )
Ranked among companies with meaningful ROE (%) only.
TMP' s 10-Year ROE (%) Range
Min: 8.48  Med: 15.53 Max: 23.73
Current: 11.33
8.48
23.73
ROA (%) 1.08
TMP's ROA (%) is ranked higher than
65% of the 1436 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. TMP: 1.08 )
Ranked among companies with meaningful ROA (%) only.
TMP' s 10-Year ROA (%) Range
Min: 0.76  Med: 1.34 Max: 2.13
Current: 1.08
0.76
2.13
Revenue Growth (3Y)(%) 3.20
TMP's Revenue Growth (3Y)(%) is ranked higher than
56% of the 1215 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. TMP: 3.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
TMP' s 10-Year Revenue Growth (3Y)(%) Range
Min: 1.1  Med: 7.70 Max: 14.4
Current: 3.2
1.1
14.4
EBITDA Growth (3Y)(%) 3.60
TMP's EBITDA Growth (3Y)(%) is ranked lower than
63% of the 1072 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. TMP: 3.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
TMP' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -8  Med: 7.10 Max: 12.5
Current: 3.6
-8
12.5
EPS Growth (3Y)(%) 2.70
TMP's EPS Growth (3Y)(%) is ranked lower than
68% of the 1070 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.60 vs. TMP: 2.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
TMP' s 10-Year EPS Growth (3Y)(%) Range
Min: -6.2  Med: 6.80 Max: 12.6
Current: 2.7
-6.2
12.6
» TMP's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2014

TMP Guru Trades in Q3 2014

Jim Simons 36,989 sh (+378.51%)
» More
Q4 2014

TMP Guru Trades in Q4 2014

Jim Simons 19,600 sh (-47.01%)
» More
Q1 2015

TMP Guru Trades in Q1 2015

Jim Simons 27,000 sh (+37.76%)
» More
Q2 2015

TMP Guru Trades in Q2 2015

Jim Simons 33,700 sh (+24.81%)
» 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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Ratios

vs
industry
vs
history
P/E(ttm) 13.59
TMP's P/E(ttm) is ranked lower than
54% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.10 vs. TMP: 13.59 )
Ranked among companies with meaningful P/E(ttm) only.
TMP' s 10-Year P/E(ttm) Range
Min: 11.01  Med: 14.71 Max: 19.8
Current: 13.59
11.01
19.8
Forward P/E 12.66
TMP's Forward P/E is ranked lower than
60% of the 714 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.85 vs. TMP: 12.66 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 13.70
TMP's PE(NRI) is ranked lower than
53% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. TMP: 13.70 )
Ranked among companies with meaningful PE(NRI) only.
TMP' s 10-Year PE(NRI) Range
Min: 11.02  Med: 14.69 Max: 19.82
Current: 13.7
11.02
19.82
P/B 1.52
TMP's P/B is ranked lower than
80% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. TMP: 1.52 )
Ranked among companies with meaningful P/B only.
TMP' s 10-Year P/B Range
Min: 1.22  Med: 1.64 Max: 2.57
Current: 1.52
1.22
2.57
P/S 3.17
TMP's P/S is ranked lower than
59% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.86 vs. TMP: 3.17 )
Ranked among companies with meaningful P/S only.
TMP' s 10-Year P/S Range
Min: 2.4  Med: 3.17 Max: 17.5
Current: 3.17
2.4
17.5
PFCF 9.95
TMP's PFCF is ranked higher than
52% of the 863 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. TMP: 9.95 )
Ranked among companies with meaningful PFCF only.
TMP' s 10-Year PFCF Range
Min: 5.72  Med: 10.55 Max: 80.15
Current: 9.95
5.72
80.15
POCF 9.15
TMP's POCF is ranked lower than
52% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.00 vs. TMP: 9.15 )
Ranked among companies with meaningful POCF only.
TMP' s 10-Year POCF Range
Min: 5.38  Med: 9.51 Max: 62.61
Current: 9.15
5.38
62.61
EV-to-EBIT 14.54
TMP's EV-to-EBIT is ranked lower than
56% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.41 vs. TMP: 14.54 )
Ranked among companies with meaningful EV-to-EBIT only.
TMP' s 10-Year EV-to-EBIT Range
Min: 8.1  Med: 12.80 Max: 56.2
Current: 14.54
8.1
56.2
PEG 6.85
TMP's PEG is ranked lower than
93% of the 619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. TMP: 6.85 )
Ranked among companies with meaningful PEG only.
TMP' s 10-Year PEG Range
Min: 0.32  Med: 1.64 Max: 166.5
Current: 6.85
0.32
166.5
Shiller P/E 15.20
TMP's Shiller P/E is ranked higher than
52% of the 786 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.81 vs. TMP: 15.20 )
Ranked among companies with meaningful Shiller P/E only.
TMP' s 10-Year Shiller P/E Range
Min: 11.25  Med: 15.09 Max: 19.98
Current: 15.2
11.25
19.98
Days Sales Outstanding 122.46
TMP's Days Sales Outstanding is ranked lower than
80% of the 795 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.20 vs. TMP: 122.46 )
Ranked among companies with meaningful Days Sales Outstanding only.
TMP' s 10-Year Days Sales Outstanding Range
Min: 72.67  Med: 120.37 Max: 193.26
Current: 122.46
72.67
193.26

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.30
TMP's Dividend Yield is ranked higher than
59% of the 2258 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.76 vs. TMP: 3.30 )
Ranked among companies with meaningful Dividend Yield only.
TMP' s 10-Year Dividend Yield Range
Min: 1.74  Med: 3.14 Max: 4.12
Current: 3.3
1.74
4.12
Dividend Payout 0.44
TMP's Dividend Payout is ranked lower than
67% of the 1330 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. TMP: 0.44 )
Ranked among companies with meaningful Dividend Payout only.
TMP' s 10-Year Dividend Payout Range
Min: 0.3  Med: 0.42 Max: 1.44
Current: 0.44
0.3
1.44
Dividend growth (3y) 5.00
TMP's Dividend growth (3y) is ranked lower than
59% of the 674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. TMP: 5.00 )
Ranked among companies with meaningful Dividend growth (3y) only.
TMP' s 10-Year Dividend growth (3y) Range
Min: -4.9  Med: 6.40 Max: 18.8
Current: 5
-4.9
18.8
Yield on cost (5-Year) 4.25
TMP's Yield on cost (5-Year) is ranked higher than
63% of the 2253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.23 vs. TMP: 4.25 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
TMP' s 10-Year Yield on cost (5-Year) Range
Min: 2.24  Med: 4.05 Max: 5.31
Current: 4.25
2.24
5.31
Share Buyback Rate -10.30
TMP's Share Buyback Rate is ranked lower than
77% of the 1013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. TMP: -10.30 )
Ranked among companies with meaningful Share Buyback Rate only.
TMP' s 10-Year Share Buyback Rate Range
Min: 2.2  Med: -1.30 Max: -10.9
Current: -10.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.90
TMP's Price/Tangible Book is ranked lower than
85% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. TMP: 1.90 )
Ranked among companies with meaningful Price/Tangible Book only.
TMP' s 10-Year Price/Tangible Book Range
Min: 1.44  Med: 2.24 Max: 3.28
Current: 1.9
1.44
3.28
Price/Projected FCF 0.78
TMP's Price/Projected FCF is ranked lower than
66% of the 805 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. TMP: 0.78 )
Ranked among companies with meaningful Price/Projected FCF only.
TMP' s 10-Year Price/Projected FCF Range
Min: 0.57  Med: 0.86 Max: 1.67
Current: 0.78
0.57
1.67
Price/DCF (Earnings Based) 1.40
TMP's Price/DCF (Earnings Based) is ranked lower than
89% of the 57 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.70 vs. TMP: 1.40 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 1.00
TMP's Price/Median PS Value is ranked higher than
55% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. TMP: 1.00 )
Ranked among companies with meaningful Price/Median PS Value only.
TMP' s 10-Year Price/Median PS Value Range
Min: 0.77  Med: 1.11 Max: 5.1
Current: 1
0.77
5.1
Price/Graham Number 1.06
TMP's Price/Graham Number is ranked lower than
73% of the 1181 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. TMP: 1.06 )
Ranked among companies with meaningful Price/Graham Number only.
TMP' s 10-Year Price/Graham Number Range
Min: 0.86  Med: 1.18 Max: 1.64
Current: 1.06
0.86
1.64
Earnings Yield (Greenblatt) (%) 6.88
TMP's Earnings Yield (Greenblatt) (%) is ranked higher than
50% of the 1408 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. TMP: 6.88 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
TMP' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 1.8  Med: 7.80 Max: 12.3
Current: 6.88
1.8
12.3
Forward Rate of Return (Yacktman) (%) 13.57
TMP's Forward Rate of Return (Yacktman) (%) is ranked lower than
52% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.82 vs. TMP: 13.57 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
TMP' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -16.1  Med: 12.00 Max: 46
Current: 13.57
-16.1
46

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
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, insurance, and brokerage services. 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' 66 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.
» More Articles for TMP

Headlines

Articles On GuruFocus.com
How to Calculate the Intrinsic Value of Your Common Stocks: Part 1 Sep 20 2013 
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13 Dividend Stocks Delivering Good News with Higher Dividends Jul 25 2011 
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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 20 2015
10-Q for Tompkins Financial Corp. Aug 13 2015
TOMPKINS FINANCIAL CORP Files SEC form 10-Q, Quarterly Report Aug 10 2015
Change in pension plan raises Tompkins Financial's 2Q income Aug 04 2015
TOMPKINS FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Other... Jul 31 2015
Tompkins posts 2Q profit Jul 31 2015
Tompkins posts 2Q profit Jul 31 2015
Tompkins Financial Corporation Declares Cash Dividend Jul 31 2015
Tompkins Financial Corporation Reports Record Second Quarter Earnings Jul 31 2015
TOMPKINS FINANCIAL CORP Files SEC form 10-Q, Quarterly Report May 11 2015
TOMPKINS FINANCIAL CORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 07 2015
TOMPKINS FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Other... Apr 24 2015
Tompkins posts 1Q profit Apr 24 2015
Tompkins posts 1Q profit Apr 24 2015
Tompkins Financial Corporation Declares Cash Dividend Apr 24 2015
Tompkins Financial Corporation Reports First Quarter Earnings Apr 24 2015
TOMPKINS FINANCIAL CORP Files SEC form 10-K, Annual Report Mar 16 2015
TOMPKINS FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Change in... Jan 28 2015
Tompkins posts 4Q profit Jan 28 2015
Tompkins posts 4Q profit Jan 28 2015

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