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 0.10
TMP's Cash to Debt is ranked lower than
92% of the 1088 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. TMP: 0.10 )
Ranked among companies with meaningful Cash to Debt only.
TMP' s Cash to Debt Range Over the Past 10 Years
Min: 0.14  Med: 0.61 Max: N/A
Current: 0.1
Equity to Asset 0.09
TMP's Equity to Asset is ranked lower than
62% of the 1578 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 4.30
TMP's Interest Coverage is ranked higher than
76% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.82 vs. TMP: 4.30 )
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: 9999.99
Current: 4.3
0.66
9999.99
F-Score: 4
WACC vs ROIC
6.53%
6.53%
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 : 5/10

vs
industry
vs
history
Operating margin (%) 36.42
TMP's Operating margin (%) is ranked higher than
64% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.86 vs. TMP: 36.42 )
Ranked among companies with meaningful Operating margin (%) only.
TMP' s Operating margin (%) Range Over the Past 10 Years
Min: 22.5  Med: 32.21 Max: 35.63
Current: 36.42
22.5
35.63
Net-margin (%) 24.31
TMP's Net-margin (%) is ranked higher than
57% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.37 vs. TMP: 24.31 )
Ranked among companies with meaningful Net-margin (%) only.
TMP' s Net-margin (%) Range Over the Past 10 Years
Min: 16.56  Med: 22.01 Max: 24.36
Current: 24.31
16.56
24.36
ROE (%) 11.49
TMP's ROE (%) is ranked higher than
73% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. TMP: 11.49 )
Ranked among companies with meaningful ROE (%) only.
TMP' s ROE (%) Range Over the Past 10 Years
Min: 8.45  Med: 13.13 Max: 14.98
Current: 11.49
8.45
14.98
ROA (%) 1.07
TMP's ROA (%) is ranked higher than
66% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. TMP: 1.07 )
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: 1.07
0.76
1.29
Revenue Growth (3Y)(%) -100.00
TMP's Revenue Growth (3Y)(%) is ranked lower than
97% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. TMP: -100.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
TMP' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -100  Med: 7.70 Max: 14.4
Current: -100
-100
14.4
EBITDA Growth (3Y)(%) -100.00
TMP's EBITDA Growth (3Y)(%) is ranked lower than
97% of the 1167 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. TMP: -100.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
TMP' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -100  Med: 5.70 Max: 12.5
Current: -100
-100
12.5
EPS Growth (3Y)(%) -100.00
TMP's EPS Growth (3Y)(%) is ranked lower than
97% of the 1165 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. TMP: -100.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
TMP' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -100  Med: 6.60 Max: 12.7
Current: -100
-100
12.7
» TMP's 10-Y Financials

Financials


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

» Details

Guru Trades

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
Q3 2015

TMP Guru Trades in Q3 2015

Jim Simons 41,300 sh (+22.55%)
» 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 Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 14.22
TMP's P/E(ttm) is ranked lower than
58% of the 1403 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.40 vs. TMP: 14.22 )
Ranked among companies with meaningful P/E(ttm) only.
TMP' s P/E(ttm) Range Over the Past 10 Years
Min: 11.01  Med: 14.63 Max: 19.8
Current: 14.22
11.01
19.8
Forward P/E 12.66
TMP's Forward P/E is ranked lower than
73% of the 703 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.52 vs. TMP: 12.66 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 14.22
TMP's PE(NRI) is ranked lower than
57% of the 1401 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.40 vs. TMP: 14.22 )
Ranked among companies with meaningful PE(NRI) only.
TMP' s PE(NRI) Range Over the Past 10 Years
Min: 11.02  Med: 14.61 Max: 19.82
Current: 14.22
11.02
19.82
P/B 1.57
TMP's P/B is ranked lower than
83% of the 1542 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. TMP: 1.57 )
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: 1.57
1.22
2.57
P/S 3.37
TMP's P/S is ranked lower than
60% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.81 vs. TMP: 3.37 )
Ranked among companies with meaningful P/S only.
TMP' s P/S Range Over the Past 10 Years
Min: 2.4  Med: 3.17 Max: 17.5
Current: 3.37
2.4
17.5
PFCF 10.83
TMP's PFCF is ranked lower than
56% of the 937 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.36 vs. TMP: 10.83 )
Ranked among companies with meaningful PFCF only.
TMP' s PFCF Range Over the Past 10 Years
Min: 5.72  Med: 10.48 Max: 80.14
Current: 10.83
5.72
80.14
POCF 9.98
TMP's POCF is ranked lower than
59% of the 1036 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.10 vs. TMP: 9.98 )
Ranked among companies with meaningful POCF only.
TMP' s POCF Range Over the Past 10 Years
Min: 5.38  Med: 9.50 Max: 62.61
Current: 9.98
5.38
62.61
EV-to-EBIT 9.34
TMP's EV-to-EBIT is ranked higher than
71% of the 1384 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.68 vs. TMP: 9.34 )
Ranked among companies with meaningful EV-to-EBIT only.
TMP' s EV-to-EBIT Range Over the Past 10 Years
Min: 8.1  Med: 13.20 Max: 56.2
Current: 9.34
8.1
56.2
EV-to-EBITDA 8.42
TMP's EV-to-EBITDA is ranked higher than
71% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.31 vs. TMP: 8.42 )
Ranked among companies with meaningful EV-to-EBITDA only.
TMP' s EV-to-EBITDA Range Over the Past 10 Years
Min: 7.4  Med: 11.50 Max: 47.8
Current: 8.42
7.4
47.8
Shiller P/E 16.90
TMP's Shiller P/E is ranked lower than
52% of the 520 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.90 vs. TMP: 16.90 )
Ranked among companies with meaningful Shiller P/E only.
TMP' s Shiller P/E Range Over the Past 10 Years
Min: 12.16  Med: 15.60 Max: 21.51
Current: 16.9
12.16
21.51

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.17
TMP's Dividend Yield is ranked higher than
54% of the 2412 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. TMP: 3.17 )
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: 3.17
2.31
4.12
Dividend Payout 0.44
TMP's Dividend Payout is ranked lower than
66% of the 1441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. TMP: 0.44 )
Ranked among companies with meaningful Dividend Payout only.
TMP' s Dividend Payout Range Over the Past 10 Years
Min: 0.29  Med: 0.44 Max: 0.6
Current: 0.44
0.29
0.6
Dividend Growth (3y) -100.00
TMP's Dividend Growth (3y) is ranked lower than
92% of the 730 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.00 vs. TMP: -100.00 )
Ranked among companies with meaningful Dividend Growth (3y) only.
TMP' s Dividend Growth (3y) Range Over the Past 10 Years
Min: -100  Med: 6.30 Max: 18.8
Current: -100
-100
18.8
Forward Dividend Yield 3.37
TMP's Forward Dividend Yield is ranked higher than
52% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.26 vs. TMP: 3.37 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 3.17
TMP's Yield on cost (5-Year) is ranked lower than
53% of the 2446 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.42 vs. TMP: 3.17 )
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: 2.31  Med: 3.16 Max: 4.12
Current: 3.17
2.31
4.12
3-Year Average Share Buyback Ratio -4.90
TMP's 3-Year Average Share Buyback Ratio is ranked lower than
66% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. TMP: -4.90 )
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: -10.9  Med: -1.30 Max: 2.2
Current: -4.9
-10.9
2.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.96
TMP's Price/Tangible Book is ranked lower than
87% of the 1534 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.07 vs. TMP: 1.96 )
Ranked among companies with meaningful Price/Tangible Book only.
TMP' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.71  Med: 2.19 Max: 3.28
Current: 1.96
1.71
3.28
Price/Projected FCF 0.80
TMP's Price/Projected FCF is ranked lower than
66% of the 850 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. TMP: 0.80 )
Ranked among companies with meaningful Price/Projected FCF only.
TMP' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.63  Med: 0.87 Max: 1.67
Current: 0.8
0.63
1.67
Price/Median PS Value 1.06
TMP's Price/Median PS Value is ranked lower than
59% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.98 vs. TMP: 1.06 )
Ranked among companies with meaningful Price/Median PS Value only.
TMP' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.82  Med: 1.11 Max: 5.1
Current: 1.06
0.82
5.1
Price/Graham Number 1.10
TMP's Price/Graham Number is ranked lower than
99.99% of the 1277 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.77 vs. TMP: 1.10 )
Ranked among companies with meaningful Price/Graham Number only.
TMP' s Price/Graham Number Range Over the Past 10 Years
Min: 0.95  Med: 1.20 Max: 1.74
Current: 1.1
0.95
1.74
Earnings Yield (Greenblatt) (%) 10.70
TMP's Earnings Yield (Greenblatt) (%) is ranked higher than
74% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. TMP: 10.70 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
TMP' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.8  Med: 7.60 Max: 12.3
Current: 10.7
1.8
12.3
Forward Rate of Return (Yacktman) (%) 13.89
TMP's Forward Rate of Return (Yacktman) (%) is ranked lower than
52% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. TMP: 13.89 )
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: -12.8  Med: 11.40 Max: 41.3
Current: 13.89
-12.8
41.3

More Statistics

Revenue(Mil) $240
EPS $ 3.87
Beta0.55
Short Percentage of Float3.85%
52-Week Range $49.05 - 63.48
Shares Outstanding(Mil)14.90

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 
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. 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 posts 4Q profit 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
Tompkins Insurance Expands in Batavia with Acquisition Jan 06 2016
Tompkins Financial Corp. breached its 50 day moving average in a Bearish Manner : December 21, 2015 Dec 21 2015
Tompkins Financial Names Bonita Lindberg SVP, Director of Human Resources Dec 14 2015
Tompkins Financial Names Alyssa H. Fontaine EVP & General Counsel Dec 14 2015
Tompkins Financial Names Bonita Lindberg SVP, Director of Human Resources Dec 14 2015
Tompkins Financial Names Alyssa H. Fontaine EVP & General Counsel Dec 14 2015
TOMPKINS FINANCIAL CORP Financials Dec 08 2015
TOMPKINS FINANCIAL CORP Files SEC form 10-Q, Quarterly Report Nov 09 2015
TOMPKINS FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition Oct 30 2015
Tompkins Financial Corporation Increases Cash Dividend Oct 30 2015
Tompkins Financial Corporation Reports Record Third Quarter Earnings Oct 30 2015
Tompkins Financial Corporation Increases Cash Dividend Oct 30 2015
Tompkins Financial Corporation Reports Record Third Quarter Earnings Oct 30 2015
ETF’s with exposure to Tompkins Financial Corp. : September 18, 2015 Sep 18 2015
Tompkins Financial Corp. breached its 50 day moving average in a Bearish Manner : September 18, 2015 Sep 18 2015
Tompkins Financial Corp. Earnings Q2, 2015 Sep 15 2015
TOMPKINS FINANCIAL CORP Files SEC form 10-Q, Quarterly Report Aug 10 2015
TOMPKINS FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Other... Jul 31 2015
Tompkins Financial Corporation Reports Record Second Quarter Earnings Jul 31 2015
Tompkins Financial Corporation Declares Cash Dividend 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 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 posts 4Q profit Jan 28 2015

Personalized Checklist

Checklist has been moved to "Checklist" tab.

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)
FEEDBACK