Is Tompkins Financial Stock a Good Investment?
Tompkins Financial Investment Advice | TMP |
- Examine Tompkins Financial's financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
- Research Tompkins Financial's leadership team and their track record. Good management can help Tompkins Financial navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
- Consider the overall health of the Regional Banks space and any emerging trends that could impact Tompkins Financial's business and its evolving consumer preferences.
- Compare Tompkins Financial's performance and market position to its competitors. Analyze how Tompkins Financial is positioned in terms of product offerings, innovation, and market share.
- Check if Tompkins Financial pays a dividend and its dividend yield and payout ratio.
- Review what financial analysts are saying about Tompkins Financial's stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in Tompkins Financial stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if Tompkins Financial is a good investment.
Sell | Buy |
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 |
Examine Tompkins Financial Stock
Researching Tompkins Financial's stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 66.0% of the company shares are owned by institutional investors. The company has price-to-book ratio of 1.39. Typically companies with comparable Price to Book (P/B) are able to outperform the market in the long run. Tompkins Financial has Price/Earnings To Growth (PEG) ratio of 2.46. The entity last dividend was issued on the 8th of November 2024. The firm had 11:10 split on the 3rd of February 2010.
To determine if Tompkins Financial is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding Tompkins Financial's research are outlined below:
| 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 Quarterly Accounts Payable |
|
Tompkins Financial uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in Tompkins Financial. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to Tompkins Financial's previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
| 26th of April 2024 Upcoming Quarterly Report | View | |
| 19th of July 2024 Next Financial Report | View | |
| 31st of March 2024 Next Fiscal Quarter End | View | |
| 24th of January 2025 Next Fiscal Year End | View | |
| 31st of December 2023 Last Quarter Report | View | |
| 31st of December 2023 Last Financial Announcement | View |
Earnings surprises can significantly impact Tompkins Financial's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate. Below are the table of largest EPS Surprises Tompkins Financial's investors have experienced.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2002-07-24 | 2002-06-30 | 0.48 | 0.53 | 0.05 | 10 | ||
2004-10-27 | 2004-09-30 | 0.56 | 0.62 | 0.06 | 10 | ||
2002-10-23 | 2002-09-30 | 0.5 | 0.56 | 0.06 | 12 | ||
2009-04-29 | 2009-03-31 | 0.65 | 0.72 | 0.07 | 10 | ||
2006-07-19 | 2006-06-30 | 0.69 | 0.62 | -0.07 | 10 | ||
2005-01-26 | 2004-12-31 | 0.61 | 0.54 | -0.07 | 11 | ||
2006-01-25 | 2005-12-31 | 0.73 | 0.65 | -0.08 | 10 | ||
2010-07-21 | 2010-06-30 | 0.73 | 0.83 | 0.1 | 13 |
Tompkins Financial's market capitalization trends
The company currently falls under 'Small-Cap' category with a total capitalization of 998.63 M.Market Cap |
|
Tompkins Financial's profitablity analysis
| Last Reported | Projected for Next Year | ||
| Return On Equity | 0.01 | 0.01 |
Determining Tompkins Financial's profitability involves analyzing its financial statements and using various financial metrics to determine if Tompkins Financial is a good buy. For example, gross profit margin measures Tompkins Financial's profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of Tompkins Financial's profitability and make more informed investment decisions.
Evaluate Tompkins Financial's management efficiency
As of 12/23/2024, Return On Tangible Assets is likely to drop to 0. In addition to that, Return On Capital Employed is likely to drop to 0. At this time, Tompkins Financial's Liabilities And Stockholders Equity is relatively stable compared to the past year. As of 12/23/2024, Non Current Liabilities Total is likely to grow to about 7.5 B, while Total Current Liabilities is likely to drop slightly above 1.4 M. Tompkins Financial's management efficiency ratios could be used to measure how well Tompkins Financial manages its routine affairs as well as how well it operates its assets and liabilities.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 47.00 | 28.59 | |
| Tangible Book Value Per Share | 40.34 | 25.92 | |
| Enterprise Value Over EBITDA | 67.21 | 70.57 | |
| Price Book Value Ratio | 1.28 | 2.18 | |
| Enterprise Value Multiple | 67.21 | 70.57 | |
| Price Fair Value | 1.28 | 2.18 | |
| Enterprise Value | 1.4 B | 1.5 B |
Tompkins Financial has shown resilience through effective management strategies. Our analysis examines how these strategies influence financial outcomes and investor returns which helps in understanding the stock's long-term potential.
Dividend Yield 0.0357 | Forward Dividend Yield 0.0357 | Forward Dividend Rate 2.48 | Beta 0.66 |
Basic technical analysis of Tompkins Stock
As of the 23rd of December, Tompkins Financial has the Coefficient Of Variation of 1396.94, risk adjusted performance of 0.0644, and Semi Deviation of 2.41. In relation to fundamental indicators, the technical analysis model makes it possible for you to check existing technical drivers of Tompkins Financial, as well as the relationship between them.Tompkins Financial's insider trading activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Tompkins Financial insiders, such as employees or executives, is commonly permitted as long as it does not rely on Tompkins Financial's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Tompkins Financial insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
Tompkins Financial's Outstanding Corporate Bonds
Tompkins Financial issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Tompkins Financial uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Tompkins bonds can be classified according to their maturity, which is the date when Tompkins Financial has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
| Dana 575 percent Corp BondUS235822AB96 | View | |
| Volcan Compania Minera Corp BondUSP98047AC08 | View | |
| Boeing Co 2196 Corp BondUS097023DG73 | View | |
| MPLX LP 4875 Corp BondUS55336VAG59 | View | |
| MPLX LP 4125 Corp BondUS55336VAK61 | View | |
| MPLX LP 52 Corp BondUS55336VAL45 | View | |
| Morgan Stanley 3591 Corp BondUS61744YAK47 | View | |
| Morgan Stanley 3971 Corp BondUS61744YAL20 | View |
Understand Tompkins Financial's technical and predictive indicators
Using predictive indicators to make investment decisions involves analyzing Tompkins Financial's various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.
| Risk Adjusted Performance | 0.0644 | |||
| Market Risk Adjusted Performance | 0.0888 | |||
| Mean Deviation | 2.09 | |||
| Semi Deviation | 2.41 | |||
| Downside Deviation | 2.57 | |||
| Coefficient Of Variation | 1396.94 | |||
| Standard Deviation | 3.41 | |||
| Variance | 11.64 | |||
| Information Ratio | 0.0622 | |||
| Jensen Alpha | 0.1683 | |||
| Total Risk Alpha | 0.1387 | |||
| Sortino Ratio | 0.0824 | |||
| Treynor Ratio | 0.0788 | |||
| Maximum Drawdown | 24.24 | |||
| Value At Risk | (5.01) | |||
| Potential Upside | 4.76 | |||
| Downside Variance | 6.63 | |||
| Semi Variance | 5.79 | |||
| Expected Short fall | (2.40) | |||
| Skewness | 2.24 | |||
| Kurtosis | 10.48 |
| Risk Adjusted Performance | 0.0644 | |||
| Market Risk Adjusted Performance | 0.0888 | |||
| Mean Deviation | 2.09 | |||
| Semi Deviation | 2.41 | |||
| Downside Deviation | 2.57 | |||
| Coefficient Of Variation | 1396.94 | |||
| Standard Deviation | 3.41 | |||
| Variance | 11.64 | |||
| Information Ratio | 0.0622 | |||
| Jensen Alpha | 0.1683 | |||
| Total Risk Alpha | 0.1387 | |||
| Sortino Ratio | 0.0824 | |||
| Treynor Ratio | 0.0788 | |||
| Maximum Drawdown | 24.24 | |||
| Value At Risk | (5.01) | |||
| Potential Upside | 4.76 | |||
| Downside Variance | 6.63 | |||
| Semi Variance | 5.79 | |||
| Expected Short fall | (2.40) | |||
| Skewness | 2.24 | |||
| Kurtosis | 10.48 |
Consider Tompkins Financial's intraday indicators
Tompkins Financial intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Tompkins Financial stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
Tompkins Financial Corporate Filings
F4 | 21st of November 2024 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
10Q | 6th of November 2024 Quarterly performance report mandated by Securities and Exchange Commission (SEC), to be filed by publicly traded corporations | ViewVerify |
| 1st of November 2024 Other Reports | ViewVerify | |
8K | 25th of October 2024 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
Tompkins Stock media impact
Far too much social signal, news, headlines, and media speculation about Tompkins Financial that are available to investors today. That information is available publicly through Tompkins media outlets and privately through word of mouth or via Tompkins internal channels. However, regardless of the origin, that massive amount of Tompkins data is challenging to quantify into actionable patterns, especially for investors that are not very sophisticated with ever-evolving tools and techniques used in the investment management field.
A primary focus of Tompkins Financial news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of Tompkins Financial relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to Tompkins Financial's headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive Tompkins Financial alpha.
Tompkins Financial Sentiment by Major News Outlets
Investor sentiment, mood or attitude towards Tompkins Financial can have a significant impact on its stock price or the market as a whole. This sentiment can be positive or negative, and various factors, such as economic indicators, news events, or market trends, can influence it. When investor sentiment is positive, investors are more likely to buy stocks, increasing demand and increasing the stock price. Positive investor sentiment can be driven by good news about the company or the broader market, such as solid earnings reports or positive economic data.
Note that negative investor sentiment can cause investors to sell stocks, leading to a decrease in demand and a drop in the stock price. Negative sentiment can be driven by factors such as poor earnings reports, negative news about the company or industry, or broader economic concerns. It's important to note that investor sentiment is just one of many factors that can affect stock prices. Other factors, such as company performance, industry trends, and global economic conditions, can also play a significant role in determining the value of a stock.
Tompkins Financial Corporate Directors
| Michael Spain | Director | Profile | |
| Frank Milewski | Independent Director | Profile | |
| Alfred Weber | Independent Director | Profile | |
| Patricia Johnson | Independent Director | Profile |
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.