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STOCKS

Tompkins Financial Corporation (TMP)

:TMP

TMP

Tompkins Financial Corporation

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Tompkins Financial Corporation (TMP) Ratios

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Tompkins Financial Corporation Ratios

TMP's free cash flow for Q4 2024 was $1.00. For the 2024 fiscal year, TMP's free cash flow was decreased by $ and operating cash flow was $-0.03. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	6.69	999.44	6.69	158.82	1.05
Quick Ratio	6.69	999.44	6.69	164.94	1.26
Cash Ratio	0.32	53.03	0.32	4.51	0.19
Solvency Ratio	0.01	<0.01	0.01	0.01	0.31
Operating Cash Flow Ratio	0.43	59.34	0.43	8.66	0.05
Short-Term Operating Cash Flow Coverage	0.00	0.19	0.00	0.00	0.00
Net Current Asset Value	$ -5.44B	$ -5.65B	$ -5.44B	$ -4.87B	$ 1.85B
Leverage Ratios
Debt-to-Assets Ratio	0.07	0.08	0.07	0.02	0.04
Debt-to-Equity Ratio	0.86	0.90	0.86	0.17	0.39
Debt-to-Capital Ratio	0.46	0.47	0.46	0.15	0.28
Long-Term Debt-to-Capital Ratio	0.32	0.17	0.32	0.13	0.28
Financial Leverage Ratio	12.45	11.70	12.45	10.75	10.64
Debt Service Coverage Ratio	4.60	0.03	4.60	5.76	3.08
Interest Coverage Ratio	6.21	0.14	6.21	6.53	3.36
Debt to Market Cap	0.26	0.71	0.26	0.09	0.27
Interest Debt Per Share	38.64	48.40	38.64	9.71	20.89
Net Debt to EBITDA	3.75	25.43	3.75	0.48	-1.01
Profitability Margins
Gross Profit Margin	83.62%	100.05%	83.62%	84.39%	84.70%
EBIT Margin	35.59%	5.63%	35.59%	37.86%	32.64%
EBITDA Margin	39.34%	9.54%	39.34%	41.68%	36.54%
Operating Profit Margin	42.38%	5.78%	42.38%	37.82%	32.59%
Pretax Profit Margin	35.59%	5.63%	35.59%	37.86%	32.64%
Net Profit Margin	27.58%	4.41%	27.58%	29.50%	25.93%
Continuous Operations Profit Margin	27.63%	4.47%	27.63%	29.54%	25.98%
Net Income Per EBT	77.50%	78.40%	77.50%	77.91%	79.44%
EBT Per EBIT	83.99%	97.32%	83.99%	100.11%	100.16%
Return on Assets (ROA)	1.11%	0.12%	1.11%	1.14%	1.02%
Return on Equity (ROE)	13.80%	1.42%	13.80%	12.27%	10.83%
Return on Capital Employed (ROCE)	1.76%	0.16%	1.76%	1.47%	1.74%
Return on Invested Capital (ROIC)	6.54%	0.46%	6.54%	1.89%	4.06%
Return on Tangible Assets	1.12%	0.12%	1.12%	1.16%	1.03%
Earnings Yield	7.65%	1.11%	7.65%	7.33%	7.47%
Efficiency Ratios
Receivables Turnover	1.70	14.08	1.70	2.61	2.73
Payables Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	-0.55	-0.11
Fixed Asset Turnover	3.75	2.70	3.75	3.54	3.37
Asset Turnover	0.04	0.03	0.04	0.04	0.04
Working Capital Turnover Ratio	0.17	0.15	0.17	0.26	0.43
Cash Conversion Cycle	214.39	25.93	214.39	-522.31	-3.22K
Days of Sales Outstanding	214.39	25.93	214.39	139.70	133.89
Days of Inventory Outstanding	0.00	0.00	0.00	-662.01	-3.35K
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	214.39	25.93	214.39	-522.31	-3.22K
Cash Flow Ratios
Operating Cash Flow Per Share	7.21	6.24	7.21	8.32	6.90
Free Cash Flow Per Share	6.64	5.77	6.64	7.99	6.59
CapEx Per Share	0.57	0.47	0.57	0.33	0.31
Free Cash Flow to Operating Cash Flow	0.92	0.92	0.92	0.96	0.96
Dividend Paid and CapEx Coverage Ratio	2.48	2.16	2.48	3.26	2.82
Capital Expenditure Coverage Ratio	12.65	13.16	12.65	25.56	22.28
Operating Cash Flow Coverage Ratio	0.19	0.15	0.19	0.98	0.36
Operating Cash Flow to Sales Ratio	0.34	0.41	0.34	0.40	0.34
Free Cash Flow Yield	8.56%	9.58%	8.56%	9.56%	9.33%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	13.07	90.33	13.07	13.64	13.38
Price-to-Sales (P/S) Ratio	3.61	3.99	3.61	4.02	3.47
Price-to-Book (P/B) Ratio	1.80	1.28	1.80	1.67	1.45
Price-to-Free Cash Flow (P/FCF) Ratio	11.68	10.44	11.68	10.46	10.72
Price-to-Operating Cash Flow Ratio	10.76	9.65	10.76	10.05	10.24
Price-to-Earnings Growth (PEG) Ratio	-4.97	-1.02	-4.97	0.83	-4.24
Price-to-Fair Value	1.80	1.28	1.80	1.67	1.45
Enterprise Value Multiple	12.92	67.21	12.92	10.14	8.49
Enterprise Value	1.57B	1.38B	1.57B	1.28B	927.82M
EV to EBITDA	12.92	67.21	12.92	10.14	8.49
EV to Sales	5.08	6.41	5.08	4.22	3.10
EV to Free Cash Flow	16.46	16.79	16.46	10.98	9.58
EV to Operating Cash Flow	15.16	15.52	15.16	10.55	9.15
Tangible Book Value Per Share	36.44	40.34	36.44	43.44	492.85
Shareholders’ Equity Per Share	42.99	46.90	42.99	49.94	48.72
Tax and Other Ratios
Effective Tax Rate	0.22	0.21	0.22	0.22	0.20
Revenue Per Share	21.51	15.11	21.51	20.77	20.35
Net Income Per Share	5.93	0.67	5.93	6.13	5.28
Tax Burden	0.78	0.78	0.78	0.78	0.79
Interest Burden	1.00	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.40	0.60	0.40	0.40	0.39
Stock-Based Compensation to Revenue	0.01	0.02	0.01	0.02	0.02
Income Quality	1.22	9.36	1.22	1.36	1.31

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