Tompkins Financial Corp

Chart & Performance

D1W1MN

P/E

106.22

P/S

4.69

EPS

0.65

Div Yield, %

3.42%

Shrs. gr., 5y

-1.12%

Rev. gr., 5y

-5.72%

Revenues

215m

-30.12%

Net income

10m

-88.82%

CFO

89m

-13.87%

Dividend

Feb 07, 20200.52 USD/sh

Earnings

Jan 24, 2025

Profile

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 in three segments: Banking, Insurance, and Wealth Management. It accepts various deposit products, including checking accounts, 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 personal installment loans, direct and indirect automobile financing, and overdraft lines of credit. In addition, it provides letters of credit and sweep accounts; credit and debit cards; and deposit and cash management, internet-based account, remote deposit, safe deposit, voice response, ATM, and mobile and internet banking services. Further, the company offers investment management, trust and estate, and financial and tax planning services; property and casualty, medical, life, disability, and long-term care insurance services; employee benefit consulting services; and insurance planning services. It primarily serves individuals, corporate executives, small business owners, and high net worth individuals. The company operates through a network of 63 banking offices, including 43 offices in New York and 20 offices in Pennsylvania. Tompkins Financial Corporation was founded in 1836 and is headquartered in Ithaca, New York.

URL

https://www.tompkinsfinancial.com/

IPO date

Jun 02, 1986

Employees

978

Domiciled in

Incorporated in

Valuation

Order:

Title USD in thousands, except ratios and share amounts	FY	FY	FY	FY	FY	FY	FY	FY	FY	FY
Title USD in thousands, except ratios and share amounts	2023‑12	2022‑12	2021‑12	2020‑12	2019‑12	2018‑12	2017‑12	2016‑12	2015‑12	2014‑12
Income
Revenues	215,416 -30.12%	308,253 1.85%	302,641 1.15%
Cost of revenue	134,265	179,435	171,782
Unusual Expense (Income)
NOPBT	81,151	128,818	130,859
NOPBT Margin	37.67%	41.79%	43.24%
Operating Taxes	2,495	24,557	25,182
Tax Rate	3.07%	19.06%	19.24%
NOPAT	78,656	104,261	105,677
Net income	9,505 -88.82%	85,030 -4.74%	89,264 15.05%
Dividends	(34,512)	(33,565)	(32,415)
Dividend yield	4.01%	3.00%	2.65%
Proceeds from repurchase of equity	(8,726)	65,972	(23,771)
BB yield	1.01%	-5.90%	1.94%
Debt
Debt current		241,300	14,000
Long-term debt	135,996	291,300	124,000
Deferred revenue
Other long-term liabilities	7,012,319	(50,000)	(124,000)
Net debt	(3,077,704)	(3,048,292)	(4,299,044)
Cash flow
Cash from operating activities	89,003	103,340	121,177
CAPEX	(6,762)	(8,168)	(4,741)
Cash from investing activities	(146,301)	(8,444)	(583,294)
Cash from financing activities	59,003	(80,166)	136,762
FCF	263,144	55,332	(20,860)
Balance
Cash	1,483,862	1,672,804	2,107,620
Long term investments	1,729,838	1,908,088	2,329,424
Excess cash	3,202,929	3,565,479	4,421,912
Stockholders' equity	379,361	320,906	422,194
Invested Capital	7,440,388	7,591,080	7,411,788
ROIC	1.05%	1.39%	1.66%
ROCE	1.04%	1.63%	1.67%
EV
Common stock shares outstanding	14,301	14,404	14,648
Price	60.23 -22.36%	77.58 -7.18%	83.58 18.39%
Market cap	861,363 -22.92%	1,117,485 -8.72%	1,224,294 17.63%
EV	(2,214,929)	(1,929,395)	(3,073,338)
EBITDA	92,884	140,375	142,426
EV/EBITDA
Interest	87,844	21,043	17,526
Interest/NOPBT	108.25%	16.34%	13.39%