TMP:NYE-Tompkins Financial Corporation (USD)

COMMON STOCK | Banks - Regional |

Last Closing

USD 57.13

Change

-0.11 (-0.19)%

Market Cap

USD 0.85B

Volume

0.04M

Analyst Target

USD 72.00
Analyst Rating

Verdict

ducovest Verdict

Verdict

About

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. The company operates through three segments: Banking, Insurance, and Wealth Management. It accepts various deposit products, including checking and savings accounts, time deposits, and IRA products, as well as brokered, reciprocal, and municipal money market deposits. The company also offers loans for various business purposes, including real estate financing, construction, equipment financing, accounts receivable financing, and commercial leasing; residential mortgage loans; personal loans; residential real estate loans; home equity loans; commercial and industrial loans; commercial real estate loans; agriculture loans; and consumer loans, such as direct and indirect personal installment loans, automobile financing, and overdraft lines of credit. In addition, it provides letters of credit and sweep accounts; credit and debit cards; deposit and cash management, internet-based account, remote deposit, safe deposit, voice response, ATM, and mobile and internet banking services; financial and tax planning services; property and casualty, life, and long-term care and disability insurance services; employee benefit consulting services; and insurance planning services. The company primarily serves individuals, corporate executives, small business owners, and high net worth individuals. It operates through a network of banking offices in New York and Pennsylvania. Tompkins Financial Corporation was founded in 1836 and is headquartered in Ithaca, New York.

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

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Relative Returns (From:    To: 2024-09-26 )

Largest Industry Peers for Banks - Regional

Symbol Name Price(Change) Market Cap
USB-PH U.S. Bancorp

+0.02 (+0.07%)

USD 90.57B
USB-PP U.S. Bancorp

N/A

USD 78.75B
PNC PNC Financial Services Group I..

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USD 73.39B
USB U.S. Bancorp

+0.55 (+1.23%)

USD 71.56B
NU Nu Holdings Ltd

-0.96 (-6.50%)

USD 70.88B
ITUB Itau Unibanco Banco Holding SA

+0.15 (+2.27%)

USD 61.27B
TFC Truist Financial Corp

+0.60 (+1.44%)

USD 56.22B
BSBR Banco Santander Brasil SA ADR

+0.06 (+1.13%)

USD 41.85B
NWG Natwest Group PLC

+0.31 (+3.40%)

USD 37.93B
MTB M&T Bank Corporation

+2.62 (+1.52%)

USD 29.99B

ETFs Containing TMP

HOG:CA 7.94 % 0.64 %

N/A

N/A
PPLN:CA Global X Pipelines & Ener.. 7.61 % 0.00 %

N/A

N/A
DOCG:LSE L&G Healthcare Breakthrou.. 1.82 % 0.00 %

+3.00 (+0.00%)

USD 0.07B
DOCT:LSE L&G Healthcare Breakthrou.. 1.82 % 0.00 %

-0.01 (0.00%)

USD 0.07B
HTEC Robo Global® Healthcare .. 1.82 % 0.00 %

+0.52 (+0.00%)

USD 0.06B
BLES Inspire Global Hope ETF 0.00 % 0.62 %

+0.52 (+0.00%)

USD 0.11B

Market Performance

  Market Performance vs. Industry/Classification (Banks - Regional) Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain -5.15% 15% F 17% F
Dividend Return 3.02% 44% F 58% F
Total Return -2.13% 15% F 17% F
Trailing 12 Months  
Capital Gain 17.19% 25% F 50% F
Dividend Return 4.96% 49% F 66% D+
Total Return 22.15% 26% F 53% F
Trailing 5 Years  
Capital Gain -29.96% 12% F 15% F
Dividend Return 13.90% 32% F 52% F
Total Return -16.06% 12% F 16% F
Average Annual (5 Year Horizon)  
Capital Gain -6.48% 12% F 12% F
Dividend Return -3.39% 8% B- 12% F
Total Return 3.09% 36% F 61% D-
Risk Return Profile  
Volatility (Standard Deviation) 21.21% 67% D+ 49% F
Risk Adjusted Return -15.99% 12% F 16% F
Market Capitalization 0.85B 17% F 55% F

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Positive cash flow

The company had positive total cash flow in the most recent four quarters.

Superior Dividend Growth

This stock has shown top quartile dividend growth in the previous 5 years compared to its sector

What to not like:
Poor risk adjusted returns

This company is delivering below median risk adjusted returns in its peers. Even if it is outperforming on returns , the returns are unpredictable. Proceed with caution.

Poor return on assets

The company management has delivered below median return on assets in the most recent 4 quarters compared to its peers.

Poor capital utilization

The company management has delivered below median return on invested capital in the most recent 4 quarters compared to its peers.

Poor return on equity

The company management has delivered below median return on equity in the most recent 4 quarters compared to its peers.

Overpriced on cashflow basis

The stock is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.

Overpriced compared to earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

Below median dividend returns

The company’s average income yield over the past 5 years has been low compared to its peers. However, it is not a problem if you are not looking for income.

Below median total returns

The company has under performed its peers on annual average total returns in the past 5 years.

Low market capitalization

This is among the smaller entities in its sectors with below median market capitalization. That may make it less stable in the long run unless it has a unique technology or market which can help it grow or get acquired in future.

Low Earnings Growth

This stock has shown below median earnings growth in the previous 5 years compared to its sector

Low Revenue Growth

This stock has shown below median revenue growth in the previous 5 years compared to its sector