Tompkins Financial Financials

TMP Stock  USD 68.77  4.87  6.61%   
Tompkins Financial may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At this time, Tompkins Financial's Total Liabilities is relatively stable compared to the past year. As of 12/19/2024, Property Plant And Equipment Gross is likely to grow to about 212.7 M, while Cash is likely to drop slightly above 70.6 M. Key indicators impacting Tompkins Financial's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.04190.0441
Notably Down
Pretty Stable
Return On Assets0.00120.0012
Notably Down
Slightly volatile
Return On Equity0.01350.0142
Notably Down
Slightly volatile
Debt Equity Ratio0.190.2034
Significantly Down
Slightly volatile
Operating Income11.4 M12 M
Notably Down
Very volatile
Current RatioK989
Sufficiently Up
Slightly volatile
The essential information of the day-to-day investment outlook for Tompkins Financial includes many different criteria found on its balance sheet. An individual investor should monitor Tompkins Financial's cash flow, debt, and profitability to accurately make informed decisions on whether to invest in Tompkins Financial.

Net Income

9.03 Million

  

Tompkins Financial Stock Summary

Tompkins Financial competes with Penns Woods, 1st Source, Great Southern, Waterstone Financial, and Home Federal. Tompkins Financial Corporation, a financial holding company, provides commercial and consumer banking, leasing, trust and investment management, financial planning and wealth management, and insurance services. Tompkins Financial Corporation was founded in 1836 and is headquartered in Ithaca, New York. Tompkinstrustco operates under BanksRegional classification in the United States and is traded on AMEX Exchange. It employs 969 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNYSE MKT Exchange
ISINUS8901101092
CUSIP890110109 890108103
LocationNew York; U.S.A
Business Address118 East Seneca
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.tompkinsfinancial.com
Phone888 503 5753
CurrencyUSD - US Dollar

Tompkins Financial Key Financial Ratios

Tompkins Financial Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets6.7B7.6B7.8B7.7B7.8B8.2B
Net Debt537.2M(110.2M)60.9M454.8M522.6M548.7M
Retained Earnings370.5M418.4M475.3M526.7M501.5M526.6M
Cash138.0M388.5M63.1M77.8M79.5M70.6M
Other Assets3.7B3.7B3.1B5.9B6.2B6.5B
Total Liab6.1B278.2M7.1B7.1B7.1B7.5B
Total Current Assets1.5B2.1B2.2B1.6B1.5B854.5M
Other Current Liab(239.1M)1.9B(14M)(241.3M)(475.6M)(451.8M)
Short Term Debt239.1M95.8M14M241.3M477.1M325.3M
Net Receivables100.8M109.8M115.8M181.1M15.3M14.5M
Other Current Assets173.5M420.5M85.7M(240.3M)79.5M156.7M
Common Stock1.5M1.5M1.5M1.5M1.4M1.3M
Other Liab76.6M122.7M108.8M67.4M77.5M58.4M
Accounts Payable5.2B6.4B6.8B6.6B7.6B8.0B
Long Term Debt675.1M278.2M124M291.3M125M118.8M
Inventory(173.5M)(420.5M)(85.7M)152K(94.8M)(90.1M)
Treasury Stock(4.9M)(5.3M)(5.5M)(5.8M)(5.2M)(5.0M)
Intangible Assets6.2M4.9M3.6M2.7M2.3M2.2M
Good Will92.3M92.3M92.4M92.6M106.5M68.4M
Net Tangible Assets563.0M618.9M631.4M520.7M598.8M503.2M
Long Term Debt Total675.1M278.2M124M291.3M335.0M549.0M

Tompkins Financial Key Income Statement Accounts

The reason investors look at the income statement is to determine what Tompkins Financial's earnings per share (EPS) will be in order to see if they want to buy more shares or not. For example, if a company earned $20 million in the last quarter and has 100,000 shares outstanding, its EPS is 20 cents. If you find that this number beats analysts' forecasts or is higher than it was from the same period last year, then you might want to buy more of this stock even though its price per share may not have changed.
201920202021202220232024 (projected)
Interest Expense50.8M29.0M17.5M21.0M87.8M92.2M
Operating Income102.7M97.5M114.4M130.6M12M11.4M
Ebit102.7M100.0M116.9M112.8M12M11.4M
Ebitda104.4M109.3M126.1M121.3M12M11.4M
Net Income81.7M77.6M89.3M85.0M9.5M9.0M
Income Tax Expense21.0M19.9M25.2M24.6M2.5M2.4M
Total Revenue286.1M299.2M302.6M308.3M297.4M158.3M
Gross Profit239.8M253.4M255.4M257.8M297.4M312.2M
Income Before Tax102.9M97.7M114.6M109.7M12.1M11.5M
Cost Of Revenue46.2M45.8M47.3M50.5M58.1M41.6M
Tax Provision21.0M19.9M25.2M24.6M3.9M3.7M
Net Interest Income210.6M225.3M223.8M230.3M214.4M228.1M
Interest Income261.4M254.3M241.3M251.3M284.1M264.3M

Tompkins Financial Key Cash Accounts

201920202021202220232024 (projected)
Change In Cash57.6M250.5M(325.4M)14.7M1.7M1.8M
Free Cash Flow95.6M96.8M116.4M95.2M82.2M47.9M
Depreciation11.7M11.7M11.6M11.6M11.7M6.5M
Other Non Cash Items(835K)27.2M4.8M3.2M63.3M66.5M
Dividends Paid30.6M31.4M32.4M33.6M(34.5M)(32.8M)
Capital Expenditures6.0M4.6M4.7M8.2M6.8M6.6M
Net Income81.7M77.6M89.3M85.0M9.5M9.0M
End Period Cash Flow138.0M388.5M63.1M77.8M79.5M72.5M
Change To Inventory(78K)(139K)826K(519K)(2.1M)(2.0M)
Investments133.4M(640.1M)(578.8M)(2.2M)107.7M113.1M
Change Receivables78K(12.7M)9.4M(2.3M)(2.0M)(1.9M)
Net Borrowings(439.5M)(387.6M)(143.0M)156.8M141.1M148.2M
Change To Netincome8.6M8.5M6.7M7.6M6.9M8.5M

Tompkins Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Tompkins Financial's current stock value. Our valuation model uses many indicators to compare Tompkins Financial value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Tompkins Financial competition to find correlations between indicators driving Tompkins Financial's intrinsic value. More Info.
Tompkins Financial is rated below average in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about  0.09  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Tompkins Financial is roughly  11.71 . At this time, Tompkins Financial's Return On Equity is relatively stable compared to the past year. Comparative valuation analysis is a catch-all technique that is used if you cannot value Tompkins Financial by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

Tompkins Financial Systematic Risk

Tompkins Financial's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Tompkins Financial volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
Incorrect Input. Please change your parameters or increase the time horizon required for running this function. The output start index for this execution was zero with a total number of output elements of zero. The Beta measures systematic risk based on how returns on Tompkins Financial correlated with the market. If Beta is less than 0 Tompkins Financial generally moves in the opposite direction as compared to the market. If Tompkins Financial Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Tompkins Financial is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Tompkins Financial is generally in the same direction as the market. If Beta > 1 Tompkins Financial moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Tompkins Financial Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Tompkins Financial's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Tompkins Financial growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.97)

At this time, Tompkins Financial's Price Earnings To Growth Ratio is relatively stable compared to the past year.

Tompkins Financial December 19, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Tompkins Financial help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Tompkins Financial. We use our internally-developed statistical techniques to arrive at the intrinsic value of Tompkins Financial based on widely used predictive technical indicators. In general, we focus on analyzing Tompkins Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Tompkins Financial's daily price indicators and compare them against related drivers.

Additional Tools for Tompkins Stock Analysis

When running Tompkins Financial's price analysis, check to measure Tompkins Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Tompkins Financial is operating at the current time. Most of Tompkins Financial's value examination focuses on studying past and present price action to predict the probability of Tompkins Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Tompkins Financial's price. Additionally, you may evaluate how the addition of Tompkins Financial to your portfolios can decrease your overall portfolio volatility.