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Tompkins FinancialTMP -0.01%51 Forward Rate of Return (Yacktman) % is 13.05% as of Jun. 2026, which is 9% above its 10-year median of 11.98. 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 1,420 Banks companies, Tompkins Financial ranks worse than 61.97% on this metric.
Yacktman defines forward rate of return as the normalized free cash flow yield plus real growth plus inflation. Tompkins Financial's forward rate of return for was 13.05%.
The historical rank and industry rank for Tompkins Financial's Forward Rate of Return (Yacktman) % or its related term are showing as below:
TMP'
s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 8.44 Med: 11.98 Max: 16.06
Current: 12.7
During the past 13 years, Tompkins Financial's highest Forward Rate of Return was 16.06. The lowest was 8.44. And the median was 11.98.
TMP's Forward Rate of Return (Yacktman) % is ranked worse than 61.97% of 1420
companies
in the Banks industry
Industry Median: 15.395
vs TMP: 12.70
Unlike the Earnings Yield %, the Forward Rate of Return uses the normalized Free Cash Flow of the past five years, and considers growth. The forward rate of return can be thought of as the return that investors buying the stock today can expect from it in the future.
Tompkins Financial (AMEX:TMP) Forward Rate of Return (Yacktman) % Explanation
Unlike the Earnings Yield, the Forward Rate of Return uses the normalized Free Cash Flow of the past five years, and considers growth. The forward rate of return can be thought of as the return that investors buying the stock today can expect from it in the future.
For the growth part of the Forward Rate of Return calculation, GuruFocus uses the 5-year average growth rate of Book Value per share as the growth rate, and the growth rate is always capped at 20%. For the Free Cash Flow we use per share data averaged over five years. The reason we use five years is to make it comparable to the growth rate.
Be Aware
In the Forward Rate of Return calculation, the growth rate is added directly to today's free cash flow yield. Therefore the calculation is reliable only if the company can grow at the same rate in the future as it did in the past. Investors should pay close attention to this when researching growth stocks. A more accurate measurement for return is Return on Capital.
Tompkins Financial Forward Rate of Return (Yacktman) % Related Terms
Tompkins Financial Forward Rate of Return (Yacktman) % Historical Data
* Premium members only.
The historical data trend for Tompkins Financial's Forward Rate of Return (Yacktman) % 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.
Tompkins Financial Forward Rate of Return (Yacktman) % Chart
TMP vs PEBO, BHRB, AMAL: Forward Rate of Return (Yacktman) % Comparison
For the Banks - Regional subindustry, Tompkins Financial's Forward Rate of Return (Yacktman) %, along with its competitors' market caps and Forward Rate of Return (Yacktman) % 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 Forward Rate of Return (Yacktman) % vs Banks Industry
For the Banks industry and Financial Services sector, Tompkins Financial's Forward Rate of Return (Yacktman) % distribution charts can be found below:
* The bar in red indicates where Tompkins Financial's Forward Rate of Return (Yacktman) % falls into.
Tompkins Financial Forward Rate of Return (Yacktman) % Calculation
Forward Rate of Return is a concept that Don Yacktman uses in his investment approach. Yacktman explained the forward rate of return concept in detail in his interview with GuruFocus. Yacktman defines forward rate of return as the normalized free cash flow yield plus real growth plus inflation. He said in the interview (March 2012, when the S&P 500 was at about 1400):
If the business is stable, this calculation is fairly straightforward. For instance, on the S&P 500 we would normalize earnings. We would then calculate what percentage of those earnings are not reinvested in the underlying businesses and are therefore free. Historically, for the S&P 500, this has been just under 50% of earnings. Currently, we expect the S&P to earn about 70 on a normalized basis, a number which is far below reported earnings due to our adjusting for record high profit margins. $70 X ½ / 1400 gives you a normalized free cash flow yield of approximately 2.5%.
The historical real growth rate of the S&P 500 (companies) is about 1.5%. Assuming an inflation rate of 2.5%, the forward rate of return on an investment in the S&P 500 is about 6.5% today (2.5% free cash flow yield plus 1.5% real growth plus 2.5% inflation).
* 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.
What does a Forward Rate of Return (Yacktman) % of 13.05% mean?
Tompkins Financial (TMP) has a Forward Rate of Return (Yacktman) % of 13.05% as of Jun. 2026. Yacktman's forward rate of return equals the sum of normalized free-cash-flow yield plus earnings growth. View historical data on Tompkins Financial and its competitors. This is near median its historical median of 11.98. Over the past decade, Tompkins Financial's Forward Rate of Return (Yacktman) % has ranged from 8.44 to 16.06. According to the industry distribution chart, Tompkins Financial ranks #880 out of 1420 companies in the Banks industry, placing it in the top 62%.
Is Tompkins Financial's Forward Rate of Return (Yacktman) % too high?
Tompkins Financial's current Forward Rate of Return (Yacktman) % of 13.05% is near median its 10-year median of 11.98. Over the past 10 years, this metric has ranged from a low of 8.44 to a high of 16.06. The Banks industry median Forward Rate of Return (Yacktman) % is 15.40. Tompkins Financial's value of 13.05% is 15.2% below this industry median. Based on the distribution chart, Tompkins Financial ranks #880 out of 1420 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 Forward Rate of Return (Yacktman) % compare to PEBO and BHRB?
According to the Banks industry distribution chart, Tompkins Financial ranks #880 out of 1420 companies for Forward Rate of Return (Yacktman) %. This places Tompkins Financial in the lower half of its industry. The industry median Forward Rate of Return (Yacktman) % is 15.40. Tompkins Financial's value of 13.05% is 15.2% below this benchmark. Historically, Tompkins Financial's own Forward Rate of Return (Yacktman) % has ranged from 8.44 to 16.06 over the past decade. While the company's 10-year median is 11.98 vs. the industry median of 15.40, 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 Forward Rate of Return (Yacktman) % for a Banks company?
The median Forward Rate of Return (Yacktman) % among Banks companies is 15.40, based on 1,420 companies in the industry. Companies in the top quartile (top 25%) have a Forward Rate of Return (Yacktman) % significantly above this median, while those in the bottom quartile fall well below. However, Forward Rate of Return (Yacktman) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Tompkins Financial's current Forward Rate of Return (Yacktman) % of 13.05% is 15.2% 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 Forward Rate of Return (Yacktman) % mean?
A high Forward Rate of Return (Yacktman) % can signal that a stock is expensive relative to its fundamentals. Yacktman's forward rate of return equals the sum of normalized free-cash-flow yield plus earnings growth. View historical data on Tompkins Financial and its competitors. For the Banks industry, the median Forward Rate of Return (Yacktman) % is 15.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tompkins Financial's current Forward Rate of Return (Yacktman) % is 13.05%, which is near median its own 10-year median of 11.98. 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 $100.27 — trading 54.3% above its estimated fair value. The current Forward Rate of Return (Yacktman) % is 13.05%, which is near median its 10-year median of 11.98 and 15.2% below the Banks industry median of 15.40. 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 Forward Rate of Return (Yacktman) % calculated?
Forward Rate of Return (Yacktman) % is calculated from a company's financial statements. For Tompkins Financial (TMP), the current Forward Rate of Return (Yacktman) % is 13.05% 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 $100.27 is trading 54.3% above its estimated GF Value™ of $64.99.
GuruFocus considers Tompkins Financial to be Significantly Overvalued.
Key valuation signals for TMP:
Forward Rate of Return (Yacktman) %: 13.05% (near median its 10-year median of 11.98)
GF Value™: $64.99 vs. price of $100.27 (54.3% above fair value)
Industry Position: 15.2% below the Banks median (#880 of 1420)
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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