Stock Scorecard

Stock Summary for Tompkins Financial Corp (TMP) - $69.94 as of 9/4/2025 11:43:50 AM EST

Total Score

17 out of 30

Safety Score

54 out of 100

Currently on the following lists
None
Tim's Recommendation
Possible Buy

Growth List Algorithm Criteria for TMP

Positive Quarterly and Annual earnings growth
P/E ratio less than Industry P/E Ratio
P/E ratio less than Sector P/E Ratio
P/E ratio that is half the Annual earnings growth rate (or less)
Positive net cash position the past year and most recent quarter
Equity to debt ratio greater than 0.75 for past year and most recent quarter
Positive net income past year and 12 trailing months
Free cash flow ratio greater than 0 and less than 10

Small Cap List Algorithm Criteria for TMP

Revenue growing by at least 20% average per year over the last 5 years
Market Capitalization under 2 billion
Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months
Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months
Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year

Dividend List Algorithm Criteria for TMP

Declared an ex-dividend date
Forward annual dividend rate greater than 2
Positive net cash position the past year and most recent quarter
Equity to debt ratio greater than 0.75 for past year and most recent quarter
Current ratio most recent quarter greater than 2
Cash Flow per Share greater than Trailing Dividend Rate

Bonus Criteria for TMP

P/E ratio less than five-year Average P/E ratio
Last Price to 52 Week Low Ratio Less Than 1
Total Cash Per Share > Last Day Price
P/S Ratio < 1
P/B Ratio < 1

Safety Rating Criteria for TMP (54 out of 100)

Stock Price Rating (Max of 10) 9
Historical Stock Price Rating (Max of 10) 9
Stock Price Trend (Max of 10) 0
Book Value (Max of 10) 9
Book Value to Price (Max of 10) 1
Analyst Buy Ratings (Max of 5) 0
Analyst Strong Buy Ratings (Max of 5) 3
Dividend Yield Percentage (Max of 10) 6
Operating Margin (Max of 10) 6
Trading Volume (Max of 10) 2
Price to Earnings (Max of 10) 9
Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) 0

Financial Details for TMP

Company Overview
Ticker TMP
Company Name Tompkins Financial Corp
Country USA
Description Tompkins Financial Corporation, a community-based financial services company, provides consumer and commercial banking, financial leasing, trust and investment management, financial planning and wealth management, and insurance. The company is headquartered in Ithaca, New York.
Sector Name FINANCIAL SERVICES
Industry Name BANKS - REGIONAL
Most Recent Quarter 6/30/2025
Next Earnings Date 10/24/2025

Stock Price History
Last Day Price 69.94
Price 4 Years Ago 72.46
Last Day Price Updated 9/4/2025 11:43:50 AM EST
Last Day Volume 32,789
Average Daily Volume 46,619
52-Week High 76.77
52-Week Low 51.98
Last Price to 52 Week Low 34.55%

Valuation Measures
Trailing PE 12.60
Industry PE 16.54
Sector PE 21.30
5-Year Average PE 29.15
Free Cash Flow Ratio 4.75
Industry Free Cash Flow Ratio 9.29
Sector Free Cash Flow Ratio 56.21
Current Ratio Most Recent Quarter 0.07
Total Cash Per Share 14.73
Book Value Per Share Most Recent Quarter 53.04
Price to Book Ratio 1.33
Industry Price to Book Ratio 1.13
Sector Price to Book Ratio 2.50
Price to Sales Ratio Twelve Trailing Months 3.31
Industry Price to Sales Ratio Twelve Trailing Months 3.20
Sector Price to Sales Ratio Twelve Trailing Months 4.23
Analyst Buy Ratings 0
Analyst Strong Buy Ratings 1

Share Statistics
Total Shares Outstanding 14,431,600
Market Capitalization 1,009,346,104
Institutional Ownership 68.12%

Dividends
Ex-Dividend Date 8/8/2025
Previous Dividend Amount 0.6200
Current Dividend Amount 0.6200
Total Years Dividend Increasing Dividend Aristocrat - Increasing for 29 Years
Trailing Annual Dividend Rate 2.48
Trailing Annual Dividend Yield 3.54%
Forward Annual Dividend Rate 2.48
Forward Annual Dividend Yield 3.54%
5-Year Dividend Payments Count 20
3-Year Average Dividend Yield 3.70%
5-Year Average Dividend Yield 3.59%
1-Year Dividend Growth Rate Percentage 1.64%
3-Year Dividend Growth Rate Percentage 0.82%
5-Year Dividend Growth Rate Percentage 3.16%
All-Time Dividend Growth Rate Percentage 7.93%
Dividend Payout Ratio 44.68%

Income Statement
Quarterly Earnings Growth YOY 36.40%
Annual Earnings Growth 645.40%
Reported EPS 12 Trailing Months 5.55
Reported EPS Past Year 2.87
Reported EPS Prior Year 4.95
Net Income Twelve Trailing Months 79,446,000
Net Income Past Year 70,850,000
Net Income Prior Year 9,505,000
Quarterly Revenue Growth YOY 13.20%
5-Year Revenue Growth 0.68%
Operating Margin Twelve Trailing Months 35.50%

Balance Sheet
Total Cash Most Recent Quarter 212,551,000
Total Cash Past Year 134,398,000
Total Cash Prior Year 79,542,000
Net Cash Position Most Recent Quarter -460,145,000
Net Cash Position Past Year -408,849,000
Long Term Debt Past Year 543,247,000
Long Term Debt Prior Year 125,000,000
Total Debt Most Recent Quarter 672,696,000
Equity to Debt Ratio Past Year 0.57
Equity to Debt Ratio Most Recent Quarter 0.53
Total Stockholder Equity Past Year 713,444,000
Total Stockholder Equity Prior Year 668,522,000
Total Stockholder Equity Most Recent Quarter 761,793,000

Free Cash Flow
Free Cash Flow Twelve Trailing Months 73,658,000
Free Cash Flow Per Share Twelve Trailing Months 5.10
Free Cash Flow Past Year 88,757,000
Free Cash Flow Prior Year 82,241,000

Options
Put/Call Ratio 0.00
Has Options False
Liquidity Rating None

Technical Analysis
Yahoo Finance Chart Yahoo Finance Chart
MACD 1.56
MACD Signal 1.25
20-Day Bollinger Lower Band 56.50
20-Day Bollinger Middle Band 63.48
20-Day Bollinger Upper Band 70.46
Beta 0.90
RSI 62.91
50-Day SMA 57.48
150-Day SMA 0.00
200-Day SMA 60.01

System
Modified 9/4/2025 11:43:53 AM EST