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Tompkins Financial Corporation (TMP)
:TMP
US Market
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 Q2 2026 was $-0.21. For the 2026 fiscal year, TMP's free cash flow was decreased by $ and operating cash flow was $-1.30. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 <0.01 0.15 0.19 0.22 0.24
Quick Ratio
 <0.01 0.15 0.19 0.22 0.24
Cash Ratio
 <0.01 0.02 0.02 0.01 0.01
Solvency Ratio
 0.02 0.02 0.01 <0.01 0.01
Operating Cash Flow Ratio
 <0.01 <0.01 0.01 0.01 0.01
Short-Term Operating Cash Flow Coverage
 0.08 0.08 0.38 0.17 0.35
Net Current Asset Value
$ -7.77B$ -6.62B$ -6.11B$ -5.64B$ -5.36B
Leverage Ratios
Debt-to-Assets Ratio
 0.08 0.08 0.10 0.08 0.05
Debt-to-Equity Ratio
 0.76 0.70 1.11 0.98 0.56
Debt-to-Capital Ratio
 0.43 0.41 0.53 0.49 0.36
Long-Term Debt-to-Capital Ratio
 0.00 0.15 0.43 0.16 0.08
Financial Leverage Ratio
 9.17 9.24 11.37 11.70 12.45
Debt Service Coverage Ratio
 0.12 0.27 0.21 0.02 0.27
Interest Coverage Ratio
 1.33 1.70 0.68 0.14 5.21
Debt to Market Cap
 0.51 0.64 0.82 0.76 0.31
Interest Debt Per Share
 60.14 55.59 65.18 51.98 25.73
Net Debt to EBITDA
 3.76 2.26 6.34 47.31 2.46
Profitability Margins
Gross Profit Margin
72.60%75.15%66.85%69.61%92.66%
EBIT Margin
34.90%38.84%21.54%4.00%33.79%
EBITDA Margin
35.70%40.33%23.97%4.00%33.79%
Operating Profit Margin
34.90%38.84%21.54%4.00%33.79%
Pretax Profit Margin
49.82%38.84%21.54%4.00%33.79%
Net Profit Margin
35.82%27.82%16.41%3.13%26.18%
Continuous Operations Profit Margin
35.82%27.82%16.44%3.17%26.22%
Net Income Per EBT
71.89%71.63%76.20%78.40%77.50%
EBT Per EBIT
142.75%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
1.99%1.86%0.87%0.12%1.11%
Return on Equity (ROE)
19.30%17.16%9.93%1.42%13.80%
Return on Capital Employed (ROCE)
16.36%18.13%6.87%1.36%14.23%
Return on Invested Capital (ROIC)
6.93%9.31%-1.40%0.68%7.97%
Return on Tangible Assets
2.01%1.87%0.88%0.12%1.12%
Earnings Yield
12.32%15.58%7.35%1.11%7.65%
Efficiency Ratios
Receivables Turnover
 0.00 0.00 34.75 19.82 20.25
Payables Turnover
 0.00 0.00 0.00 0.00 0.00
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 6.87 7.99 5.63 3.81 3.95
Asset Turnover
 0.06 0.07 0.05 0.04 0.04
Working Capital Turnover Ratio
 -0.13 -0.10 -0.08 -0.06 -0.07
Cash Conversion Cycle
 0.00 0.00 10.50 18.41 18.03
Days of Sales Outstanding
 0.00 0.00 10.50 18.41 18.03
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 0.00
Operating Cycle
 0.00 0.00 10.50 18.41 18.03
Cash Flow Ratios
Operating Cash Flow Per Share
 3.93 2.73 6.68 6.24 7.21
Free Cash Flow Per Share
 3.63 2.24 6.24 5.77 6.64
CapEx Per Share
 0.31 0.49 0.44 0.47 0.57
Free Cash Flow to Operating Cash Flow
 0.92 0.82 0.93 0.92 0.92
Dividend Paid and CapEx Coverage Ratio
 1.34 0.90 2.30 2.16 2.48
Capital Expenditure Coverage Ratio
 12.81 5.62 15.29 13.16 12.65
Operating Cash Flow Coverage Ratio
 0.08 0.06 0.12 0.14 0.30
Operating Cash Flow to Sales Ratio
 0.11 0.07 0.22 0.29 0.32
Free Cash Flow Yield
3.60%3.09%9.20%9.58%8.56%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 8.12 6.42 13.62 90.33 13.07
Price-to-Sales (P/S) Ratio
 2.93 1.79 2.23 2.83 3.42
Price-to-Book (P/B) Ratio
 1.48 1.10 1.35 1.28 1.80
Price-to-Free Cash Flow (P/FCF) Ratio
 27.80 32.35 10.87 10.44 11.68
Price-to-Operating Cash Flow Ratio
 25.39 26.59 10.16 9.65 10.76
Price-to-Earnings Growth (PEG) Ratio
 0.07 0.05 0.02 -1.02 -4.97
Price-to-Fair Value
 1.48 1.10 1.35 1.28 1.80
Enterprise Value Multiple
 11.98 6.69 15.66 118.12 12.59
Enterprise Value
 2.09B 1.56B 1.62B 1.43B 1.38B
EV to EBITDA
 11.98 6.69 15.66 118.12 12.59
EV to Sales
 4.28 2.70 3.75 4.72 4.25
EV to Free Cash Flow
 40.51 48.85 18.26 17.41 14.51
EV to Operating Cash Flow
 37.35 40.15 17.06 16.09 13.37
Tangible Book Value Per Share
 62.27 60.62 43.51 40.34 36.44
Shareholders’ Equity Per Share
 67.38 65.84 50.18 46.90 42.99
Tax and Other Ratios
Effective Tax Rate
 0.28 0.28 0.24 0.21 0.22
Revenue Per Share
 34.35 40.62 30.36 21.28 22.66
Net Income Per Share
 12.30 11.30 4.98 0.67 5.93
Tax Burden
 0.72 0.72 0.76 0.78 0.78
Interest Burden
 1.43 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
 0.27 0.27 0.32 0.43 0.39
Stock-Based Compensation to Revenue
 <0.01 <0.01 0.01 0.01 0.01
Income Quality
 0.32 0.24 1.34 9.36 1.22
Currency in USD