Tompkins Financial Stock Buy Hold or Sell Recommendation
| TMP Stock | USD 69.38 1.52 2.24% |
Considering the 90-day investment horizon and your above-average risk tolerance, our recommendation regarding Tompkins Financial is 'Strong Hold'. A buy or sell recommendation provided by Macroaxis is an automated analysis based on historical performance and your stated risk tolerance. It serves as guidance on whether to purchase or sell Tompkins Financial within the specified time frame.
Check out Tompkins Financial Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. To learn how to invest in Tompkins Stock, please use our How to Invest in Tompkins Financial guide. Note, we conduct extensive research on individual companies such as Tompkins and provide practical buy, sell, or hold advice based on investors' constraints. Tompkins Financial. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in population.
Tompkins |
Execute Tompkins Financial Buy or Sell Advice
The Tompkins recommendation should be used to complement the buy-or-sell advice compiled from the current analysts' consensus on Tompkins Financial. Macroaxis does not own or have any residual interests in Tompkins Financial or other equities on which the buy-or-sell advice is provided. Please provide your input below to execute Tompkins Financial's advice using the current market data and latest reported fundamentals.
Time Horizon
Risk Tolerance
 |  |
Strong Hold
Market Performance | OK | Details | |
Volatility | Very steady | Details | |
Hype Condition | Low key | Details | |
Current Valuation | Overvalued | Details | |
Odds Of Distress | Low | Details | |
Economic Sensitivity | Hyperactively responds to market trends | Details | |
Investor Sentiment | Impartial | Details | |
Analyst Consensus | Buy | Details | |
Financial Strenth (F Score) | Strong | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
Tompkins Financial Trading Alerts and Improvement Suggestions
| Tompkins Financial had very high historical volatility over the last 90 days | |
| Tompkins Financial has a strong financial position based on the latest SEC filings | |
| About 66.0% of the company shares are owned by institutional investors | |
| On 15th of November 2024 Tompkins Financial paid $ 0.62 per share dividend to its current shareholders | |
| Latest headline from news.google.com: Tompkins Financial Coverage Initiated at Piper Sandler - MarketBeat |
Tompkins Financial Returns Distribution Density
The distribution of Tompkins Financial's historical returns is an attempt to chart the uncertainty of Tompkins Financial's future price movements. The chart of the probability distribution of Tompkins Financial daily returns describes the distribution of returns around its average expected value. We use Tompkins Financial price's Value At Risk and its Upside Potential as a relative measure of the distribution. The graph of the distribution of Tompkins Financial returns is essential to provide solid investment advice for Tompkins Financial.
| Mean Return | 0.24 | Value At Risk | -5.01 | Potential Upside | 4.76 | Standard Deviation | 3.41 |
Return Density |
| Distribution |
Investment risk management requires an estimate of the probability of extreme price changes. Therefore, the correct representation of the distribution of Tompkins Financial historical returns presented in an easy-to-digest graphical form helps investors and money managers understand the risk-reward trade-off of different investement strategies.
Tompkins Financial Cash Flow Accounts
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
| Change In Cash | 57.6M | 250.5M | (325.4M) | 14.7M | 1.7M | 1.8M | |
| Free Cash Flow | 95.6M | 96.8M | 116.4M | 95.2M | 82.2M | 47.9M | |
| Depreciation | 11.7M | 11.7M | 11.6M | 11.6M | 11.7M | 6.5M | |
| Other Non Cash Items | (835K) | 27.2M | 4.8M | 3.2M | 63.3M | 66.5M | |
| Dividends Paid | 30.6M | 31.4M | 32.4M | 33.6M | 34.5M | 36.2M | |
| Capital Expenditures | 6.0M | 4.6M | 4.7M | 8.2M | 6.8M | 6.6M | |
| Net Income | 81.7M | 77.6M | 89.3M | 85.0M | 9.5M | 9.0M | |
| End Period Cash Flow | 138.0M | 388.5M | 63.1M | 77.8M | 79.5M | 72.5M | |
| Change To Inventory | (78K) | (139K) | 826K | (519K) | (2.1M) | (2.0M) | |
| Investments | 133.4M | (640.1M) | (578.8M) | (2.2M) | 107.7M | 113.1M | |
| Change Receivables | 78K | (12.7M) | 9.4M | (2.3M) | (2.0M) | (1.9M) | |
| Net Borrowings | (439.5M) | (387.6M) | (143.0M) | 156.8M | 141.1M | 148.2M | |
| Change To Netincome | 8.6M | 8.5M | 6.7M | 7.6M | 6.9M | 8.5M |
Tompkins Financial Greeks
Most traded equities are subject to two types of risk - systematic (i.e., market) and unsystematic (i.e., nonmarket or company-specific) risk. Unsystematic risk is the risk that events specific to Tompkins Financial or Banks sector will adversely affect the stock's price. This type of risk can be diversified away by owning several different stocks in different industries whose stock prices have shown a small correlation to each other. On the other hand, systematic risk is the risk that Tompkins Financial's price will be affected by overall stock market movements and cannot be diversified away. So, no matter how many positions you have, you cannot eliminate market risk. However, you can measure a Tompkins stock's historical response to market movements and buy it if you are comfortable with its volatility direction. Beta and standard deviation are two commonly used measures to help you make the right decision.
α | Alpha over Dow Jones | 0.17 | |
β | Beta against Dow Jones | 2.97 | |
σ | Overall volatility | 3.37 | |
Ir | Information ratio | 0.06 |
Tompkins Financial Volatility Alert
Tompkins Financial currently demonstrates below-average downside deviation. It has Information Ratio of 0.06 and Jensen Alpha of 0.17. Understanding different market volatility trends often help investors to time the market. Properly using volatility indicators enable traders to measure Tompkins Financial's stock risk against market volatility during both bullish and bearish trends. The higher level of volatility that comes with bear markets can directly impact Tompkins Financial's stock price while adding stress to investors as they watch their shares' value plummet. This usually forces investors to rebalance their portfolios by buying different financial instruments as prices fall.Tompkins Financial Fundamentals Vs Peers
Comparing Tompkins Financial's fundamentals to the average values of its peers is one of the most widely used and accepted methods of equity analyses. It helps to analyze Tompkins Financial's direct or indirect competition across all of the common fundamentals between Tompkins Financial and the related equities. This way, we can detect undervalued stocks with similar characteristics as Tompkins Financial or determine the stocks which would be an excellent addition to an existing portfolio. Peer analysis of Tompkins Financial's fundamental indicators could also be used in its relative valuation, which is a method of valuing Tompkins Financial by comparing valuation metrics with those of similar companies.
| Better Than Average | Worse Than Average | Compare Tompkins Financial to competition |
| Fundamentals | Tompkins Financial | Peer Average |
| Return On Equity | 0.0995 | -0.31 |
| Return On Asset | 0.0085 | -0.14 |
| Profit Margin | 0.23 % | (1.27) % |
| Operating Margin | 0.33 % | (5.51) % |
| Current Valuation | 1.47 B | 16.62 B |
| Shares Outstanding | 14.39 M | 571.82 M |
| Shares Owned By Insiders | 9.21 % | 10.09 % |
| Shares Owned By Institutions | 65.86 % | 39.21 % |
| Number Of Shares Shorted | 78.42 K | 4.71 M |
| Price To Earning | 13.07 X | 28.72 X |
| Price To Book | 1.39 X | 9.51 X |
| Price To Sales | 3.49 X | 11.42 X |
| Revenue | 297.36 M | 9.43 B |
| Gross Profit | 305.46 M | 27.38 B |
| EBITDA | 12 M | 3.9 B |
| Net Income | 9.51 M | 570.98 M |
| Cash And Equivalents | 80.39 M | 2.7 B |
| Cash Per Share | 5.55 X | 5.01 X |
| Total Debt | 602.1 M | 5.32 B |
| Debt To Equity | 10.05 % | 48.70 % |
| Book Value Per Share | 50.35 X | 1.93 K |
| Cash Flow From Operations | 89 M | 971.22 M |
| Short Ratio | 1.24 X | 4.00 X |
| Earnings Per Share | 4.64 X | 3.12 X |
| Price To Earnings To Growth | 2.46 X | 4.89 X |
| Target Price | 83.0 | |
| Number Of Employees | 942 | 18.84 K |
| Beta | 0.66 | -0.15 |
| Market Capitalization | 998.63 M | 19.03 B |
| Total Asset | 7.82 B | 29.47 B |
| Retained Earnings | 501.51 M | 9.33 B |
| Annual Yield | 0.04 % | |
| Five Year Return | 2.58 % |
Note: Insider Trading [view details]
Tompkins Financial Market Momentum
Traders often use several daily momentume indicators to supplement a more traditional technical analysis when analyzing securities such as Tompkins . With many different options, investors must choose the best indicators for them and familiarize themselves with how they work. We suggest combining traditional momentum indicators with more near-term forms of technical analysis such as Accumulation Distribution or Daily Balance Of Power. With their quantitative nature, daily value technical indicators can also be incorporated into your automated trading systems.
About Tompkins Financial Buy or Sell Advice
When is the right time to buy or sell Tompkins Financial? Buying financial instruments such as Tompkins Stock isn't very hard. However, what challenging for most investors is doing it at the right time to beat the market. Proper market timing is something most people cannot do without sophisticated tools, which help to isolate the right opportunities. Macroaxis provides hands-on modules to deliver winning trades and diversify your portfolios on a daily basis. Most of our advising modules are very easy to use and apply.
Please read more on our stock advisor page.
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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.