Tompkins FinancialTMP -1.44%54 EV-to-FCF is 19.93 as of Jul. 03, 2026, which is 27% above its 10-year median of 15.66. GuruFocus rates TMP with a GF Score™ of 54/100 and a GF Value™ of $64.05 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 1,193 Banks companies, Tompkins Financial ranks worse than 82.48% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Tompkins Financial's Enterprise Value is $1,637.8 Mil.
Tompkins Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $82.2 Mil. Therefore, Tompkins Financial's EV-to-FCF for today is 19.93.
The historical rank and industry rank for Tompkins Financial's EV-to-FCF or its related term are showing as below:
TMP'
s EV-to-FCF Range Over the Past 10 Years
Min: 7.3 Med: 15.66 Max: 51.41
Current: 19.93
During the past 13 years, the highest EV-to-FCF of Tompkins Financial was 51.41. The lowest was 7.30. And the median was 15.66.
TMP's EV-to-FCF is ranked worse than 82.48% of 1193
companies
in the Banks industry
Industry Median: 6.61
vs TMP: 19.93
EV-to-FCF 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-FCF 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 $94.54.
Tompkins Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $11.670.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Tompkins Financial EV-to-FCF Related Terms
Tompkins Financial EV-to-FCF Historical Data
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The historical data trend for Tompkins Financial's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Tompkins Financial's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Tompkins Financial's EV-to-FCF falls into.
Tompkins Financial's current Enterprise Value is $1,637.8 Mil.
Tompkins Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $82.2 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-FCF of 19.93 as of Jul. 03, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Tompkins Financial and its competitors. This is 27% above median its historical median of 15.66. Over the past decade, Tompkins Financial's EV-to-FCF has ranged from 7.30 to 51.41. According to the industry distribution chart, Tompkins Financial ranks #984 out of 1193 companies in the Banks industry, placing it in the top 82.5%.
Is Tompkins Financial's EV-to-FCF too high?
Tompkins Financial's current EV-to-FCF of 19.93 is 27% above median its 10-year median of 15.66. Over the past 10 years, this metric has ranged from a low of 7.30 to a high of 51.41. The Banks industry median EV-to-FCF is 6.61. Tompkins Financial's value of 19.93 is 201.5% above this industry median. Based on the distribution chart, Tompkins Financial ranks #984 out of 1193 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Tompkins Financial has a GF Score™ of 54/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Tompkins Financial's EV-to-FCF compare to PEBO and WABC?
According to the Banks industry distribution chart, Tompkins Financial ranks #984 out of 1193 companies for EV-to-FCF. This places Tompkins Financial in the lower half of its industry. The industry median EV-to-FCF is 6.61. Tompkins Financial's value of 19.93 is 201.5% above this benchmark. Historically, Tompkins Financial's own EV-to-FCF has ranged from 7.30 to 51.41 over the past decade. While the company's 10-year median is 15.66 vs. the industry median of 6.61, 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-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.61, based on 1,193 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Tompkins Financial's current EV-to-FCF of 19.93 is 201.5% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Tompkins Financial and its competitors. For the Banks industry, the median EV-to-FCF is 6.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tompkins Financial's current EV-to-FCF is 19.93, which is 27% above median its own 10-year median of 15.66. 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 $64.05, compared to a current price of $94.54 — trading 47.6% above its estimated fair value. The current EV-to-FCF is 19.93, which is 27% above median its 10-year median of 15.66 and 201.5% above the Banks industry median of 6.61. Tompkins Financial's overall GF Score™ is 54/100 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Tompkins Financial (TMP), the current EV-to-FCF is 19.93 as of Jul. 03, 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 $94.54 is trading 47.6% above its estimated GF Value™ of $64.05.
GuruFocus considers Tompkins Financial to be Significantly Overvalued.
Key valuation signals for TMP:
EV-to-FCF: 19.93 (27% above median its 10-year median of 15.66)
GF Value™: $64.05 vs. price of $94.54 (47.6% above fair value)
Industry Position: 201.5% above the Banks median (#984 of 1193)
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.
54GF Score
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