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Tompkins FinancialTMP -0.94%51 EV-to-OCF is 32.05 as of Aug. 18, 2026, which is 120% above its 10-year median of 14.54. GuruFocus rates TMP with a GF Score™ of 51/100 and a GF Value™ of $64.99 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 1,499 Banks companies, Tompkins Financial ranks worse than 93.6% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Tompkins Financial's Enterprise Value is $1,827.3 Mil.
Tompkins Financial's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was $57.0 Mil. Therefore, Tompkins Financial's EV-to-OCF for today is 32.05.
The historical rank and industry rank for Tompkins Financial's EV-to-OCF or its related term are showing as below:
TMP'
s EV-to-OCF Range Over the Past 10 Years
Min: 6.92 Med: 14.54 Max: 42.26
Current: 32.05
During the past 13 years, the highest EV-to-OCF of Tompkins Financial was 42.26. The lowest was 6.92. And the median was 14.54.
TMP's EV-to-OCF is ranked worse than 93.6% of 1499
companies
in the Banks industry
Industry Median: 3.92
vs TMP: 32.05
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Tompkins Financial's PE Ratio (TTM) for today is calculated as:
Tompkins Financial's share price for today is $99.335.
Tompkins Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $12.210.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Tompkins Financial EV-to-OCF Related Terms
Tompkins Financial EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Tompkins Financial's EV-to-OCF 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.
For the Banks - Regional subindustry, Tompkins Financial's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Tompkins Financial's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Tompkins Financial's EV-to-OCF falls into.
Tompkins Financial's current Enterprise Value is $1,827.3 Mil.
Tompkins Financial's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $57.0 Mil.
* 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 (TMP) has a EV-to-OCF of 32.05 as of Aug. 18, 2026. This is 120% above median its historical median of 14.54. Over the past decade, Tompkins Financial's EV-to-OCF has ranged from 6.92 to 42.26. According to the industry distribution chart, Tompkins Financial ranks #1403 out of 1499 companies in the Banks industry, placing it in the top 93.6%.
Is Tompkins Financial's EV-to-OCF too high?
Tompkins Financial's current EV-to-OCF of 32.05 is 120% above median its 10-year median of 14.54. Over the past 10 years, this metric has ranged from a low of 6.92 to a high of 42.26. The Banks industry median EV-to-OCF is 3.92. Tompkins Financial's value of 32.05 is 717.6% above this industry median. Based on the distribution chart, Tompkins Financial ranks #1403 out of 1499 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Tompkins Financial has a GF Score™ of 51/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Tompkins Financial's EV-to-OCF compare to PEBO and BHRB?
According to the Banks industry distribution chart, Tompkins Financial ranks #1403 out of 1499 companies for EV-to-OCF. This places Tompkins Financial in the lower half of its industry. The industry median EV-to-OCF is 3.92. Tompkins Financial's value of 32.05 is 717.6% above this benchmark. Historically, Tompkins Financial's own EV-to-OCF has ranged from 6.92 to 42.26 over the past decade. While the company's 10-year median is 14.54 vs. the industry median of 3.92, Tompkins Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.92, based on 1,499 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Tompkins Financial's current EV-to-OCF of 32.05 is 717.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tompkins Financial's current EV-to-OCF is 32.05, which is 120% above median its own 10-year median of 14.54. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Tompkins Financial stock overvalued right now?
Based on GuruFocus' analysis, Tompkins Financial (TMP) is currently considered Significantly Overvalued. The stock's GF Value™ is $64.99, compared to a current price of $99.34 — trading 52.8% above its estimated fair value. The current EV-to-OCF is 32.05, which is 120% above median its 10-year median of 14.54 and 717.6% above the Banks industry median of 3.92. Tompkins Financial's overall GF Score™ is 51/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Tompkins Financial (TMP), the current EV-to-OCF is 32.05 as of Aug. 18, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Tompkins Financial (TMP) Overvalued in 2026?
Based on GuruFocus' analysis, Tompkins Financial stock appears to be overvalued.
The current stock price of $99.34 is trading 52.8% above its estimated GF Value™ of $64.99.
GuruFocus considers Tompkins Financial to be Significantly Overvalued.
Key valuation signals for TMP:
EV-to-OCF: 32.05 (120% above median its 10-year median of 14.54)
GF Value™: $64.99 vs. price of $99.34 (52.8% above fair value)
Industry Position: 717.6% above the Banks median (#1403 of 1499)
No single metric tells the full story. See the TMP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Tompkins Financial Corp is a Financial Holding Company. The company manages its operations through two business segments, consisting of banking 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. Wealth management activities include the results of the company's trust, financial planning, and wealth management services. The company generates the majority of its revenue from the Banking segment.
51GF Score
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