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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 1188 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.15 vs. TMP: 0.11 )
Ranked among companies with meaningful Cash to Debt only.
TMP' s Cash to Debt Range Over the Past 10 Years
Min: 0.1  Med: 0.58 Max: 2.33
Current: 0.11
0.1
2.33
Equity to Asset 0.09
TMP's Equity to Asset is ranked lower than
63% of the 1677 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 4.35
TMP's Interest Coverage is ranked higher than
77% of the 1565 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.64 vs. TMP: 4.35 )
Ranked among companies with meaningful Interest Coverage only.
TMP' s Interest Coverage Range Over the Past 10 Years
Min: 0.66  Med: 1.66 Max: 4.3
Current: 4.35
0.66
4.3
F-Score: 4
M-Score: -2.68
WACC vs ROIC
4.92%
6.48%
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 (%) 36.92
TMP's Operating margin (%) is ranked higher than
64% of the 1693 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.14 vs. TMP: 36.92 )
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: 36.92
22.5
36.42
Net-margin (%) 24.66
TMP's Net-margin (%) is ranked higher than
57% of the 1694 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.52 vs. TMP: 24.66 )
Ranked among companies with meaningful Net-margin (%) only.
TMP' s Net-margin (%) Range Over the Past 10 Years
Min: 16.56  Med: 22.10 Max: 24.37
Current: 24.66
16.56
24.37
ROE (%) 11.50
TMP's ROE (%) is ranked higher than
70% of the 1689 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.37 vs. TMP: 11.50 )
Ranked among companies with meaningful ROE (%) only.
TMP' s ROE (%) Range Over the Past 10 Years
Min: 8.48  Med: 12.79 Max: 14.98
Current: 11.5
8.48
14.98
ROA (%) 1.08
TMP's ROA (%) is ranked higher than
63% of the 1698 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. TMP: 1.08 )
Ranked among companies with meaningful ROA (%) only.
TMP' s ROA (%) Range Over the Past 10 Years
Min: 0.76  Med: 1.06 Max: 1.29
Current: 1.08
0.76
1.29
Revenue Growth (3Y)(%) 3.20
TMP's Revenue Growth (3Y)(%) is ranked higher than
53% of the 1391 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.70 vs. TMP: 3.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
TMP' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 2.9  Med: 7.70 Max: 26.2
Current: 3.2
2.9
26.2
EBITDA Growth (3Y)(%) 19.10
TMP's EBITDA Growth (3Y)(%) is ranked higher than
78% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.90 vs. TMP: 19.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
TMP' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -5  Med: 4.80 Max: 23.7
Current: 19.1
-5
23.7
EPS Growth (3Y)(%) 16.70
TMP's EPS Growth (3Y)(%) is ranked higher than
73% of the 1270 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. TMP: 16.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
TMP' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -3.2  Med: 5.70 Max: 20.1
Current: 16.7
-3.2
20.1
» TMP's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2015

TMP Guru Trades in Q2 2015

Jim Simons 33,700 sh (+24.81%)
» More
Q3 2015

TMP Guru Trades in Q3 2015

Jim Simons 41,300 sh (+22.55%)
» More
Q4 2015

TMP Guru Trades in Q4 2015

Jim Simons 55,200 sh (+33.66%)
» More
Q1 2016

TMP Guru Trades in Q1 2016

Jim Simons 73,300 sh (+32.79%)
» 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
Compare:NAS:BBCN, NAS:FIBK, NAS:LTXB, NAS:WSBC, NAS:NBTB, NAS:OPB » details
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, insurance, and brokerage services.

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.

Ratios

vs
industry
vs
history
P/E(ttm) 16.45
TMP's P/E(ttm) is ranked lower than
68% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.48 vs. TMP: 16.45 )
Ranked among companies with meaningful P/E(ttm) only.
TMP' s P/E(ttm) Range Over the Past 10 Years
Min: 11.01  Med: 14.65 Max: 19.8
Current: 16.45
11.01
19.8
PE(NRI) 16.37
TMP's PE(NRI) is ranked lower than
68% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.53 vs. TMP: 16.37 )
Ranked among companies with meaningful PE(NRI) only.
TMP' s PE(NRI) Range Over the Past 10 Years
Min: 11.02  Med: 14.63 Max: 19.82
Current: 16.37
11.02
19.82
Price/Owner Earnings (ttm) 14.96
TMP's Price/Owner Earnings (ttm) is ranked lower than
64% of the 871 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.93 vs. TMP: 14.96 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
TMP' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 9.46  Med: 14.38 Max: 34.59
Current: 14.96
9.46
34.59
P/B 1.81
TMP's P/B is ranked lower than
84% of the 1697 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. TMP: 1.81 )
Ranked among companies with meaningful P/B only.
TMP' s P/B Range Over the Past 10 Years
Min: 1.22  Med: 1.62 Max: 2.57
Current: 1.81
1.22
2.57
P/S 3.98
TMP's P/S is ranked lower than
71% of the 1697 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.92 vs. TMP: 3.98 )
Ranked among companies with meaningful P/S only.
TMP' s P/S Range Over the Past 10 Years
Min: 2.25  Med: 3.12 Max: 17.52
Current: 3.98
2.25
17.52
PFCF 12.94
TMP's PFCF is ranked lower than
64% of the 907 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.99 vs. TMP: 12.94 )
Ranked among companies with meaningful PFCF only.
TMP' s PFCF Range Over the Past 10 Years
Min: 5.5  Med: 10.57 Max: 113.62
Current: 12.94
5.5
113.62
POCF 11.87
TMP's POCF is ranked lower than
67% of the 1010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.81 vs. TMP: 11.87 )
Ranked among companies with meaningful POCF only.
TMP' s POCF Range Over the Past 10 Years
Min: 5.17  Med: 9.67 Max: 75.01
Current: 11.87
5.17
75.01
EV-to-EBIT 15.83
TMP's EV-to-EBIT is ranked lower than
61% of the 1568 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.90 vs. TMP: 15.83 )
Ranked among companies with meaningful EV-to-EBIT only.
TMP' s EV-to-EBIT Range Over the Past 10 Years
Min: 8.1  Med: 13.30 Max: 56.2
Current: 15.83
8.1
56.2
EV-to-EBITDA 14.34
TMP's EV-to-EBITDA is ranked lower than
60% of the 1571 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.75 vs. TMP: 14.34 )
Ranked among companies with meaningful EV-to-EBITDA only.
TMP' s EV-to-EBITDA Range Over the Past 10 Years
Min: 7.4  Med: 11.80 Max: 47.8
Current: 14.34
7.4
47.8
PEG 3.02
TMP's PEG is ranked lower than
79% of the 746 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. TMP: 3.02 )
Ranked among companies with meaningful PEG only.
TMP' s PEG Range Over the Past 10 Years
Min: 0.35  Med: 2.08 Max: 88.8
Current: 3.02
0.35
88.8
Shiller P/E 20.12
TMP's Shiller P/E is ranked lower than
60% of the 503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.88 vs. TMP: 20.12 )
Ranked among companies with meaningful Shiller P/E only.
TMP' s Shiller P/E Range Over the Past 10 Years
Min: 12.06  Med: 15.63 Max: 21.62
Current: 20.12
12.06
21.62

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.65
TMP's Dividend Yield is ranked lower than
56% of the 2261 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.05 vs. TMP: 2.65 )
Ranked among companies with meaningful Dividend Yield only.
TMP' s Dividend Yield Range Over the Past 10 Years
Min: 2.31  Med: 3.16 Max: 4.12
Current: 2.65
2.31
4.12
Dividend Payout 0.43
TMP's Dividend Payout is ranked lower than
64% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. TMP: 0.43 )
Ranked among companies with meaningful Dividend Payout only.
TMP' s Dividend Payout Range Over the Past 10 Years
Min: 0.36  Med: 0.42 Max: 1.44
Current: 0.43
0.36
1.44
Dividend Growth (3y) 5.20
TMP's Dividend Growth (3y) is ranked lower than
60% of the 749 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.70 vs. TMP: 5.20 )
Ranked among companies with meaningful Dividend Growth (3y) only.
TMP' s Dividend Growth (3y) Range Over the Past 10 Years
Min: -4.9  Med: 6.30 Max: 18.8
Current: 5.2
-4.9
18.8
Forward Dividend Yield 2.68
TMP's Forward Dividend Yield is ranked lower than
59% of the 2133 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.23 vs. TMP: 2.68 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 3.33
TMP's Yield on cost (5-Year) is ranked lower than
52% of the 2524 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.53 vs. TMP: 3.33 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
TMP' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 2.91  Med: 3.98 Max: 5.18
Current: 3.33
2.91
5.18
3-Year Average Share Buyback Ratio -1.30
TMP's 3-Year Average Share Buyback Ratio is ranked higher than
55% of the 1070 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. TMP: -1.30 )
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: -1.30 Max: 0.7
Current: -1.3
-15.1
0.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.26
TMP's Price/Tangible Book is ranked lower than
87% of the 1698 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. TMP: 2.26 )
Ranked among companies with meaningful Price/Tangible Book only.
TMP' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.44  Med: 2.24 Max: 3.28
Current: 2.26
1.44
3.28
Price/Projected FCF 0.90
TMP's Price/Projected FCF is ranked lower than
74% of the 897 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. TMP: 0.90 )
Ranked among companies with meaningful Price/Projected FCF only.
TMP' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.61  Med: 0.89 Max: 1.43
Current: 0.9
0.61
1.43
Price/DCF (Earnings Based) 1.53
TMP's Price/DCF (Earnings Based) is ranked lower than
86% of the 103 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.73 vs. TMP: 1.53 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 1.28
TMP's Price/Median PS Value is ranked lower than
80% of the 1617 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. TMP: 1.28 )
Ranked among companies with meaningful Price/Median PS Value only.
TMP' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.79  Med: 1.12 Max: 5.18
Current: 1.28
0.79
5.18
Price/Peter Lynch Fair Value 2.41
TMP's Price/Peter Lynch Fair Value is ranked lower than
92% of the 441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. TMP: 2.41 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
TMP' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.48  Med: 1.63 Max: 3.8
Current: 2.41
0.48
3.8
Price/Graham Number 1.28
TMP's Price/Graham Number is ranked lower than
83% of the 1517 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.83 vs. TMP: 1.28 )
Ranked among companies with meaningful Price/Graham Number only.
TMP' s Price/Graham Number Range Over the Past 10 Years
Min: 0.76  Med: 1.21 Max: 1.72
Current: 1.28
0.76
1.72
Earnings Yield (Greenblatt) (%) 6.30
TMP's Earnings Yield (Greenblatt) (%) is ranked lower than
55% of the 1722 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.12 vs. TMP: 6.30 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
TMP' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.8  Med: 7.50 Max: 12.3
Current: 6.3
1.8
12.3
Forward Rate of Return (Yacktman) (%) 14.78
TMP's Forward Rate of Return (Yacktman) (%) is ranked higher than
55% of the 861 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.71 vs. TMP: 14.78 )
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: -14.8  Med: 11.50 Max: 43.3
Current: 14.78
-14.8
43.3

More Statistics

Revenue (TTM) (Mil) $243.0
EPS (TTM) $ 3.97
Beta0.55
Short Percentage of Float6.70%
52-Week Range $49.05 - 68.36
Shares Outstanding (Mil)15.02
» 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 Bullish Manner : TMP-US : May 19,... May 19 2016
TOMPKINS FINANCIAL CORP Financials May 18 2016
TOMPKINS FINANCIAL CORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 11 2016
TOMPKINS FINANCIAL CORP Files SEC form 10-Q, Quarterly Report May 10 2016
Tompkins Financial Corp. breached its 50 day moving average in a Bullish Manner : TMP-US : May 9,... May 09 2016
Tompkins Financial Corp. :TMP-US: Earnings Analysis: Q1, 2016 By the Numbers Apr 27 2016
TOMPKINS FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition Apr 22 2016
Tompkins Financial Corporation Reports Cash Dividend Apr 22 2016
Tompkins Financial Corporation Reports Record First Quarter Earnings Apr 22 2016
Tompkins Financial Corporation Reports Cash Dividend Apr 22 2016
Tompkins Financial Corporation Reports Record First Quarter Earnings Apr 22 2016
Tompkins Finl downgraded by Keefe Bruyette Apr 18 2016
TOMPKINS FINANCIAL CORP Files SEC form 10-K, Annual Report Mar 15 2016
Tompkins Financial Corp. Earnings Analysis: Q4, 2015 By the Numbers Feb 01 2016
TOMPKINS FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition Feb 01 2016
Tompkins Financial Corporation Reports Cash Dividend Jan 29 2016
Tompkins Financial Corporation Reports Increased Fourth Quarter Earnings and Record Full Year... Jan 29 2016
Tompkins Financial Corporation Reports Cash Dividend Jan 29 2016
Tompkins Financial Corporation Reports Increased Fourth Quarter Earnings and Record Full Year... Jan 29 2016
Tompkins Insurance Expands in Batavia with Acquisition Jan 06 2016

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