TOMPKINS FINANCIAL CORP TMP

Latest FY: 2025 Financial Services Banks - Regional
Market Price $98.15
Market Cap $1.41B
P/E Ratio 8.73
Quick Peer Compare (Financial Services):
Revenue (FY 2025) ↑49.3% YoY
$446.60M
3-Yr CAGR: 13.2%
Net Income ↑127.3% YoY
$161.07M
Net Margin: 36.1%
Free Cash Flow ↓-64.0% YoY
$31.95M
FCF Yield: 2.26%
EPS (Diluted) ↑126.2% YoY
$11.24
Basic: $11.30
Return on Equity Efficiency
22.6%
ROA: 1.9%

📊 Multi-Year Historical Performance & Trends

Financial Performance History Revenue, Net Income & Free Cash Flow
Margins Trend (%) Gross, Operating & Net Margins
Balance Sheet Strength Cash, Debt & Equity
Cash Flow Generation Operating Cash Flow vs CapEx vs FCF

📈 Year-over-Year (YoY) Growth History (TMP)

All monetary values in millions ($M)
Fiscal Year Revenue Revenue YoY Gross Profit Net Income Net Inc YoY Diluted EPS EPS YoY Div / Sh Div Yield Op. Cash Flow Free Cash Flow FCF YoY
FY 2016 $249.4M $90.8M $59.3M $3.91 $1.77 1.87% $90.9M $74.8M
FY 2017 $270.5M +8.4% $99.4M $52.5M -11.5% $3.43 -12.3% $1.82 2.24% $86.1M $50.8M -32.1%
FY 2018 $289.2M +6.9% $108.2M $82.3M +56.8% $5.35 +56.0% $1.94 2.59% $107.3M $89.2M +75.6%
FY 2019 $286.1M -1.1% $104.2M $81.7M -0.7% $5.37 +0.4% $2.02 2.21% $101.6M $95.6M +7.2%
FY 2020 $299.2M +4.6% $113.8M $77.6M -5.1% $5.20 -3.2% $2.10 2.97% $101.4M $96.8M +1.3%
FY 2021 $302.6M +1.2% $112.4M $89.3M +15.0% $6.05 +16.3% $2.19 2.62% $121.2M $116.4M +20.2%
FY 2022 $308.3M +1.9% $112.5M $85.0M -4.7% $5.89 -2.6% $2.31 2.98% $103.3M $95.2M -18.3%
FY 2023 $219.8M -28.7% $16.5M $9.5M -88.8% $0.66 -88.8% $2.40 3.98% $89.0M $82.2M -13.6%
FY 2024 $299.2M +36.2% $99.6M $70.8M +645.4% $4.97 +653.0% $2.44 3.60% $95.0M $88.8M +7.9%
FY 2025 $446.6M +49.3% $236.4M $161.1M +127.3% $11.24 +126.2% $3.13 4.32% $38.9M $31.9M -64.0%
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Valuation

Market Price $98.15
Market Cap $1.41B
Enterprise Value $1.28B
P/E Ratio 8.73
P/B Ratio 1.98
FCF Yield 2.26%
Dividend Yield 3.19%
Shares Outstanding 14,382,900
%

Profitability & Margins

Gross Margin 52.93%
Operating Margin 50.35%
Net Margin 36.07%
Return on Equity (ROE) 22.58%
Return on Assets (ROA) 1.86%
Asset Turnover 0.05x
Revenue 3-Yr CAGR 13.15%
🛡️

Financial Health & Liquidity

Current Ratio N/A
Cash Ratio N/A
Debt / Equity 0.000
Debt / Assets 0.000
Cash & Equivalents $132.82M
Total Debt N/A
Book Value / Share $49.60
💧

Cash Flow Efficiency

Operating Cash Flow $38.87M
Capital Expenditures (CapEx) $6.92M
Free Cash Flow $31.95M
OCF / Revenue 8.70%
FCF / Revenue 7.15%
FCF 3-Yr CAGR -30.50%
🏷️

Per Share Metrics

EPS (Diluted) $11.24
EPS (Basic) $11.30
Dividends / Share $3.13
Book Value / Share $49.60
EPS YoY Growth 126.16%
🏛️

Balance Sheet (FY 2025)

Total Assets $8.67B
Total Liabilities $7.73B
Stockholders' Equity $713.44M
Current Assets N/A
Current Liabilities N/A