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TMP (Tompkins Financial) Cyclically Adjusted PB Ratio : 1.22 (As of Jun. 25, 2025)


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What is Tompkins Financial Cyclically Adjusted PB Ratio?

As of today (2025-06-25), Tompkins Financial's current share price is $62.02. Tompkins Financial's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2025 was $50.88. Tompkins Financial's Cyclically Adjusted PB Ratio for today is 1.22.

The historical rank and industry rank for Tompkins Financial's Cyclically Adjusted PB Ratio or its related term are showing as below:

TMP' s Cyclically Adjusted PB Ratio Range Over the Past 10 Years
Min: 0.89   Med: 1.98   Max: 3.29
Current: 1.23

During the past years, Tompkins Financial's highest Cyclically Adjusted PB Ratio was 3.29. The lowest was 0.89. And the median was 1.98.

TMP's Cyclically Adjusted PB Ratio is ranked worse than
62.15% of 1284 companies
in the Banks industry
Industry Median: 1.02 vs TMP: 1.23

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Tompkins Financial's adjusted book value per share data for the three months ended in Mar. 2025 was $51.596. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is $50.88 for the trailing ten years ended in Mar. 2025.

Shiller PE for Stocks: The True Measure of Stock Valuation


Tompkins Financial Cyclically Adjusted PB Ratio Historical Data

The historical data trend for Tompkins Financial's Cyclically Adjusted PB Ratio can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Tompkins Financial Cyclically Adjusted PB Ratio Chart

Tompkins Financial Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Cyclically Adjusted PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.84 1.95 1.68 1.25 1.35

Tompkins Financial Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
Cyclically Adjusted PB Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1.02 0.99 1.16 1.35 1.24

Competitive Comparison of Tompkins Financial's Cyclically Adjusted PB Ratio

For the Banks - Regional subindustry, Tompkins Financial's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Tompkins Financial's Cyclically Adjusted PB Ratio Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Tompkins Financial's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Tompkins Financial's Cyclically Adjusted PB Ratio falls into.


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Tompkins Financial Cyclically Adjusted PB Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.

Tompkins Financial's Cyclically Adjusted PB Ratio for today is calculated as

Cyclically Adjusted PB Ratio=Share Price/ Cyclically Adjusted Book per Share
=62.02/50.88
=1.22

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Tompkins Financial's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2025 is calculated as:

For example, Tompkins Financial's adjusted Book Value per Share data for the three months ended in Mar. 2025 was:

Adj_Book=Book Value per Share/CPI of Mar. 2025 (Change)*Current CPI (Mar. 2025)
=51.596/134.9266*134.9266
=51.596

Current CPI (Mar. 2025) = 134.9266.

Tompkins Financial Quarterly Data

Book Value per Share CPI Adj_Book
201506 33.892 100.684 45.419
201509 34.827 100.392 46.808
201512 34.567 99.792 46.737
201603 36.019 100.470 48.372
201606 36.967 101.688 49.050
201609 37.369 101.861 49.500
201612 36.399 101.863 48.214
201703 37.220 102.862 48.822
201706 38.088 103.349 49.725
201709 38.915 104.136 50.421
201712 37.862 104.011 49.116
201803 38.012 105.290 48.712
201806 38.772 106.317 49.206
201809 39.334 106.507 49.830
201812 40.684 105.998 51.787
201903 42.073 107.251 52.930
201906 43.523 108.070 54.339
201909 44.215 108.329 55.071
201912 44.432 108.420 55.295
202003 45.943 108.902 56.922
202006 46.966 108.767 58.262
202009 47.985 109.815 58.958
202012 48.267 109.897 59.260
202103 47.794 111.754 57.704
202106 49.290 114.631 58.017
202109 49.468 115.734 57.671
202112 49.920 117.630 57.261
202203 45.317 121.301 50.407
202206 43.202 125.017 46.627
202209 39.701 125.227 42.776
202212 42.696 125.222 46.005
202303 44.913 127.348 47.586
202306 44.351 128.729 46.486
202309 42.843 129.860 44.515
202312 46.717 129.419 48.705
202403 46.366 131.776 47.474
202406 47.167 132.554 48.011
202409 50.347 133.029 51.065
202412 49.762 133.157 50.423
202503 51.596 134.927 51.596

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.


Tompkins Financial  (AMEX:TMP) Cyclically Adjusted PB Ratio Explanation

Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.


Tompkins Financial Cyclically Adjusted PB Ratio Related Terms

Thank you for viewing the detailed overview of Tompkins Financial's Cyclically Adjusted PB Ratio provided by GuruFocus.com. Please click on the following links to see related term pages.


Tompkins Financial Business Description

Traded in Other Exchanges
Address
118 East Seneca Street, P.O Box 460, Ithaca, NY, USA, 14851
Tompkins Financial Corp is a Financial Holding Company. It has three business segments, consisting of banking, insurance and wealth management. It offers various products and services, including commercial and consumer banking, leasing, trust and investment management, financial planning and wealth management, and insurance. Insurance is comprised of property and casualty insurance services and employee benefit consulting. Wealth management activities include the results of the company's trust, financial planning, and wealth management services. The company generates majority of its revenue from Banking segment.
Executives
Patricia A Johnson director C/O TOMPKINS TRUSTCO INC, P O BOX 460, ITHACA NY 14851
Angela B Lee director PO BOX 460, ITHACA NY 14851
John D Mcclurg director PO BOX 460, ITHACA NY 14851
Ita M Rahily director P.O. BOX 460, ITHACA NY 14851
Matthew D Tomazin officer: EVP, CFO & Treasurer PO BOX 460, ITHACA NY 14851
Charles J Guarino officer: SVP Chief Bank Operations Off. 220 LIBERTY STREET, WARSAW NY 14569
David Kershaw officer: SVP, PAO PO BOX 460, ITHACA NY 14851
Johanna B Anderson officer: Officer: EVP, Pres., TCB CNY PO BOX 460, ITHACA NY 14851
Alfred J Weber director 5 FOXGLOVE LANE, READING PA 19606
Nancy E. Catarisano director 27 FAIRPORT DRIVE, FAIRPORT NY 14450
Diane D Torcello officer: EVP & President, Tompkins WNY PO BOX 460, ITHACA NY 14851
Gregory J Hartz officer: Executive Vice Pres. C/O TOMPKINS TRUSTCO, INC., P.O. BOX 460, ITHACA NY 14851
Francis M Fetsko officer: EVP, CFO, Treasurer C/O TOMKINS TRUSTCO, INC., PO BOX #460, ITHACA NY 14851
Ginger G Kunkel officer: President TCB Pennsylvania 389 COAL MOUNTAIN ROAD, ORWIGSBURG PA 17961
Scott L Gruber officer: EVP, Pres & CEO, VIST Bank 1240 BROADCASTING RD., WYOMISSING PA 19610