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The historical data trend for Tompkins Financial's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Tompkins Financial's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Tompkins Financial's FCF Margin % falls into.
* 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 FCF Margin % of -19.65% as of Jun. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Tompkins Financial and its competitors. Over the past decade, Tompkins Financial's FCF Margin % has ranged from 12.57 to 38.93. According to the industry distribution chart, Tompkins Financial ranks #925 out of 1502 companies in the Banks industry, placing it in the top 61.6%.
Is Tompkins Financial's FCF Margin % too high?
Tompkins Financial's current FCF Margin % is -19.65%. Over the past 10 years, this metric has ranged from a low of 12.57 to a high of 38.93. Based on the distribution chart, Tompkins Financial ranks #925 out of 1502 companies in the Banks industry, which is below the industry midpoint. 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 FCF Margin % compare to PEBO and BHRB?
According to the Banks industry distribution chart, Tompkins Financial ranks #925 out of 1502 companies for FCF Margin %. This places Tompkins Financial in the lower half of its industry. The industry median FCF Margin % is 27.12. Historically, Tompkins Financial's own FCF Margin % has ranged from 12.57 to 38.93 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 27.12, based on 1,502 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Tompkins Financial and its competitors. For the Banks industry, the median FCF Margin % is 27.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tompkins Financial's current FCF Margin % is -19.65%. 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 $100.02 — trading 53.9% above its estimated fair value. The current FCF Margin % is -19.65%. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Tompkins Financial (TMP), the current FCF Margin % is -19.65% as of Jun. 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 $100.02 is trading 53.9% above its estimated GF Value™ of $64.99.
GuruFocus considers Tompkins Financial to be Significantly Overvalued.
Key valuation signals for TMP:
FCF Margin %: -19.65%
GF Value™: $64.99 vs. price of $100.02 (53.9% above fair value)
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
Get the complete analysis for TMP
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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