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Tompkins FinancialFRA:8J0 -1.15%58 OCF Yield % is 3.95 as of Aug. 18, 2026, which is 58% below its 10-year median of 9.32. GuruFocus rates FRA:8J0 with a GF Score™ of 58/100 and a GF Value™ of €55.74 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 1,497 Banks companies, Tompkins Financial ranks worse than 68.87% on this metric.
OCF Yield % is calculated as Cash Flow from Operations divided by Market Capitalization. It is a financial solvency ratio that compares the operating cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, OCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high operating cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Tompkins Financial OCF Yield % Related Terms
Tompkins Financial OCF Yield % Historical Data
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The historical data trend for Tompkins Financial's OCF Yield % 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.
FRA:8J0 vs PEBO, BHRB, AMAL: OCF Yield % Comparison
For the Banks - Regional subindustry, Tompkins Financial's OCF Yield %, along with its competitors' market caps and OCF Yield % 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 OCF Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Tompkins Financial's OCF Yield % distribution charts can be found below:
* The bar in red indicates where Tompkins Financial's OCF Yield % 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 (FRA:8J0) has a OCF Yield % of 3.95 as of Aug. 18, 2026. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Tompkins Financial and its competitors. This is 58% below median its historical median of 9.32. Over the past decade, Tompkins Financial's OCF Yield % has ranged from 3.21 to 14.38. According to the industry distribution chart, Tompkins Financial ranks #1031 out of 1497 companies in the Banks industry, placing it in the top 68.9%.
Is Tompkins Financial's OCF Yield % too high?
Tompkins Financial's current OCF Yield % of 3.95 is 58% below median its 10-year median of 9.32. Over the past 10 years, this metric has ranged from a low of 3.21 to a high of 14.38. The Banks industry median OCF Yield % is 9.17. Tompkins Financial's value of 3.95 is 56.9% below this industry median. Based on the distribution chart, Tompkins Financial ranks #1031 out of 1497 companies in the Banks industry, which is below the industry midpoint. Overall, Tompkins Financial has a GF Score™ of 58/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Tompkins Financial's OCF Yield % compare to PEBO and BHRB?
According to the Banks industry distribution chart, Tompkins Financial ranks #1031 out of 1497 companies for OCF Yield %. This places Tompkins Financial in the lower half of its industry. The industry median OCF Yield % is 9.17. Tompkins Financial's value of 3.95 is 56.9% below this benchmark. Historically, Tompkins Financial's own OCF Yield % has ranged from 3.21 to 14.38 over the past decade. While the company's 10-year median is 9.32 vs. the industry median of 9.17, Tompkins Financial has consistently been below 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 OCF Yield % for a Banks company?
The median OCF Yield % among Banks companies is 9.17, based on 1,497 companies in the industry. Companies in the top quartile (top 25%) have a OCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, OCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Tompkins Financial's current OCF Yield % of 3.95 is 56.9% below 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 OCF Yield % mean?
A high OCF Yield % can signal that a stock is expensive relative to its fundamentals. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Tompkins Financial and its competitors. For the Banks industry, the median OCF Yield % is 9.17 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tompkins Financial's current OCF Yield % is 3.95, which is 58% below median its own 10-year median of 9.32. 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 (FRA:8J0) is currently considered Significantly Overvalued. The stock's GF Value™ is €55.74, compared to a current price of €86.00 — trading 54.3% above its estimated fair value. The current OCF Yield % is 3.95, which is 58% below median its 10-year median of 9.32 and 56.9% below the Banks industry median of 9.17. Tompkins Financial's overall GF Score™ is 58/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Yield % calculated?
OCF Yield % is calculated from a company's financial statements. For Tompkins Financial (FRA:8J0), the current OCF Yield % is 3.95 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 (FRA:8J0) Overvalued in 2026?
Based on GuruFocus' analysis, Tompkins Financial stock appears to be overvalued.
The current stock price of €86.00 is trading 54.3% above its estimated GF Value™ of €55.74.
GuruFocus considers Tompkins Financial to be Significantly Overvalued.
Key valuation signals for FRA:8J0:
OCF Yield %: 3.95 (58% below median its 10-year median of 9.32)
GF Value™: €55.74 vs. price of €86.00 (54.3% above fair value)
Industry Position: 56.9% below the Banks median (#1031 of 1497)
No single metric tells the full story. See the FRA:8J0 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.
58GF Score
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