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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 0.42
TMP's Cash to Debt is ranked higher than
64% of the 1551 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. TMP: 0.42 )
TMP' s 10-Year Cash to Debt Range
Min: 0.19   Max: 2.47
Current: 0.42

0.19
2.47
Equity to Asset 0.10
TMP's Equity to Asset is ranked higher than
71% of the 1996 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 1825 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 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: 6
Z-Score: 0.25
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 (%) 33.05
TMP's Operating margin (%) is ranked higher than
80% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.16 vs. TMP: 33.05 )
TMP' s 10-Year Operating margin (%) Range
Min: 22.5   Max: 43.37
Current: 33.05

22.5
43.37
Net-margin (%) 22.84
TMP's Net-margin (%) is ranked higher than
77% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.42 vs. TMP: 22.84 )
TMP' s 10-Year Net-margin (%) Range
Min: 16.56   Max: 28.94
Current: 22.84

16.56
28.94
ROE (%) 11.42
TMP's ROE (%) is ranked higher than
86% of the 2016 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.57 vs. TMP: 11.42 )
TMP' s 10-Year ROE (%) Range
Min: 8.48   Max: 23.73
Current: 11.42

8.48
23.73
ROA (%) 1.07
TMP's ROA (%) is ranked higher than
84% of the 2019 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. TMP: 1.07 )
TMP' s 10-Year ROA (%) Range
Min: 0.76   Max: 2.13
Current: 1.07

0.76
2.13
ROC (Joel Greenblatt) (%) 135.40
TMP's ROC (Joel Greenblatt) (%) is ranked higher than
85% of the 1989 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.96 vs. TMP: 135.40 )
TMP' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 85.62   Max: 369.44
Current: 135.4

85.62
369.44
Revenue Growth (%) 2.90
TMP's Revenue Growth (%) is ranked higher than
81% of the 1727 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
68% of the 1558 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 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
69% of the 1545 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 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

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
Q3 2014

TMP Guru Trades in Q3 2014

Jim Simons 36,989 sh (+378.51%)
» 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 Guru Trades Found!
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Ratios

vs
industry
vs
history
P/E(ttm) 13.60
TMP's P/E(ttm) is ranked higher than
83% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.50 vs. TMP: 13.60 )
TMP' s 10-Year P/E(ttm) Range
Min: 11.01   Max: 19.8
Current: 13.6

11.01
19.8
P/B 1.49
TMP's P/B is ranked higher than
68% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.34 vs. TMP: 1.49 )
TMP' s 10-Year P/B Range
Min: 1.22   Max: 2.57
Current: 1.49

1.22
2.57
P/S 3.10
TMP's P/S is ranked higher than
77% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.61 vs. TMP: 3.10 )
TMP' s 10-Year P/S Range
Min: 2.4   Max: 16.22
Current: 3.1

2.4
16.22
PFCF 13.30
TMP's PFCF is ranked higher than
86% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. TMP: 13.30 )
TMP' s 10-Year PFCF Range
Min: 5.72   Max: 29.76
Current: 13.3

5.72
29.76
EV-to-EBIT 10.91
TMP's EV-to-EBIT is ranked higher than
86% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.80 vs. TMP: 10.91 )
TMP' s 10-Year EV-to-EBIT Range
Min: 8.1   Max: 49.6
Current: 10.91

8.1
49.6
Shiller P/E 15.25
TMP's Shiller P/E is ranked higher than
90% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. TMP: 15.25 )
TMP' s 10-Year Shiller P/E Range
Min: 11.21   Max: 19.9
Current: 15.25

11.21
19.9

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.29
TMP's Dividend Yield is ranked higher than
72% of the 1871 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.25 vs. TMP: 3.29 )
TMP' s 10-Year Dividend Yield Range
Min: 1.74   Max: 4.12
Current: 3.29

1.74
4.12
Dividend Payout 0.44
TMP's Dividend Payout is ranked higher than
69% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. TMP: 0.44 )
TMP' s 10-Year Dividend Payout Range
Min: 0.3   Max: 1.44
Current: 0.44

0.3
1.44
Dividend growth (3y) 4.20
TMP's Dividend growth (3y) is ranked higher than
75% of the 1118 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.50 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) 4.25
TMP's Yield on cost (5-Year) is ranked higher than
74% of the 1883 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.50 vs. TMP: 4.25 )
TMP' s 10-Year Yield on cost (5-Year) Range
Min: 2.24   Max: 5.31
Current: 4.25

2.24
5.31
Share Buyback Rate -10.30
TMP's Share Buyback Rate is ranked higher than
58% of the 1472 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 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 1.92
TMP's Price/Tangible Book is ranked higher than
68% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. TMP: 1.92 )
TMP' s 10-Year Price/Tangible Book Range
Min: 1.44   Max: 6.72
Current: 1.92

1.44
6.72
Price/DCF (Projected) 0.77
TMP's Price/DCF (Projected) is ranked higher than
82% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.54 vs. TMP: 0.77 )
TMP' s 10-Year Price/DCF (Projected) Range
Min: 0.57   Max: 1.51
Current: 0.77

0.57
1.51
Price/Median PS Value 0.97
TMP's Price/Median PS Value is ranked higher than
89% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. TMP: 0.97 )
TMP' s 10-Year Price/Median PS Value Range
Min: 0.77   Max: 5.07
Current: 0.97

0.77
5.07
Price/Graham Number 1.08
TMP's Price/Graham Number is ranked higher than
75% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. TMP: 1.08 )
TMP' s 10-Year Price/Graham Number Range
Min: 0.75   Max: 2.96
Current: 1.08

0.75
2.96
Earnings Yield (Greenblatt) 9.20
TMP's Earnings Yield (Greenblatt) is ranked higher than
84% of the 1973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. TMP: 9.20 )
TMP' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2   Max: 12.3
Current: 9.2

2
12.3
Forward Rate of Return (Yacktman) 8.41
TMP's Forward Rate of Return (Yacktman) is ranked higher than
65% of the 1512 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.69 vs. TMP: 8.41 )
TMP' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -0.2   Max: 31.9
Current: 8.41

-0.2
31.9

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

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