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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 Q1 2025 was $0.67. For the 2025 fiscal year, TMP's free cash flow was decreased by $ and operating cash flow was $0.23. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	―	0.72	0.19	0.22	0.24
Quick Ratio	―	0.72	0.19	0.22	0.24
Cash Ratio	―	0.03	0.02	0.01	0.01
Solvency Ratio	―	0.02	<0.01	<0.01	0.01
Operating Cash Flow Ratio	―	0.02	0.01	0.01	0.01
Short-Term Operating Cash Flow Coverage	―	0.41	0.38	0.17	0.35
Net Current Asset Value	$ ―	$ -6.30B	$ -6.11B	$ -5.64B	$ -5.36B
Leverage Ratios
Debt-to-Assets Ratio	―	0.08	0.10	0.08	0.05
Debt-to-Equity Ratio	―	0.70	1.11	0.98	0.56
Debt-to-Capital Ratio	―	0.41	0.53	0.49	0.36
Long-Term Debt-to-Capital Ratio	―	0.38	0.43	0.16	0.08
Financial Leverage Ratio	―	9.24	11.37	11.70	12.45
Debt Service Coverage Ratio	―	0.71	0.19	0.02	0.27
Interest Coverage Ratio	―	1.70	0.68	0.14	5.21
Debt to Market Cap	―	0.64	0.82	0.76	0.31
Interest Debt Per Share	―	55.59	65.18	51.98	25.73
Net Debt to EBITDA	―	2.71	7.05	47.31	2.46
Profitability Margins
Gross Profit Margin	―	75.15%	66.85%	69.61%	92.66%
EBIT Margin	―	38.84%	21.54%	4.00%	33.79%
EBITDA Margin	―	38.84%	21.54%	4.00%	33.79%
Operating Profit Margin	―	38.84%	21.54%	4.00%	33.79%
Pretax Profit Margin	―	38.84%	21.54%	4.00%	33.79%
Net Profit Margin	―	27.82%	16.41%	3.13%	26.18%
Continuous Operations Profit Margin	―	27.82%	16.44%	3.17%	26.22%
Net Income Per EBT	―	71.63%	76.20%	78.40%	77.50%
EBT Per EBIT	―	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	―	1.86%	0.87%	0.12%	1.11%
Return on Equity (ROE)	―	17.16%	9.93%	1.42%	13.80%
Return on Capital Employed (ROCE)	―	3.37%	6.87%	1.36%	14.23%
Return on Invested Capital (ROIC)	―	-50.76%	-1.40%	0.68%	7.97%
Return on Tangible Assets	―	1.87%	0.88%	0.12%	1.12%
Earnings Yield	―	15.58%	7.35%	1.11%	7.65%
Efficiency Ratios
Receivables Turnover	―	0.00	34.75	19.82	20.25
Payables Turnover	―	0.00	0.00	0.00	0.00
Inventory Turnover	―	0.00	0.00	0.00	0.00
Fixed Asset Turnover	―	7.99	5.63	3.81	3.95
Asset Turnover	―	0.07	0.05	0.04	0.04
Working Capital Turnover Ratio	―	-0.19	-0.08	-0.06	-0.07
Cash Conversion Cycle	―	0.00	10.50	18.41	18.03
Days of Sales Outstanding	―	0.00	10.50	18.41	18.03
Days of Inventory Outstanding	―	0.00	0.00	0.00	0.00
Days of Payables Outstanding	―	0.00	0.00	0.00	0.00
Operating Cycle	―	0.00	10.50	18.41	18.03
Cash Flow Ratios
Operating Cash Flow Per Share	―	2.73	6.68	6.24	7.21
Free Cash Flow Per Share	―	2.73	6.24	5.77	6.64
CapEx Per Share	―	0.00	0.44	0.47	0.57
Free Cash Flow to Operating Cash Flow	―	1.00	0.93	0.92	0.92
Dividend Paid and CapEx Coverage Ratio	―	1.09	2.30	2.16	2.48
Capital Expenditure Coverage Ratio	―	0.00	15.29	13.16	12.65
Operating Cash Flow Coverage Ratio	―	0.06	0.12	0.14	0.30
Operating Cash Flow to Sales Ratio	―	0.07	0.22	0.29	0.32
Free Cash Flow Yield	―	3.76%	9.20%	9.58%	8.56%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	―	6.42	13.61	90.33	13.07
Price-to-Sales (P/S) Ratio	―	1.79	2.23	2.83	3.42
Price-to-Book (P/B) Ratio	―	1.10	1.35	1.28	1.80
Price-to-Free Cash Flow (P/FCF) Ratio	―	26.59	10.87	10.44	11.68
Price-to-Operating Cash Flow Ratio	―	26.59	10.16	9.65	10.76
Price-to-Earnings Growth (PEG) Ratio	―	0.05	0.02	-1.02	-4.97
Price-to-Fair Value	―	1.10	1.35	1.28	1.80
Enterprise Value Multiple	―	7.31	17.43	118.12	12.59
Enterprise Value	―	1.64B	1.62B	1.43B	1.38B
EV to EBITDA	―	7.31	17.43	118.12	12.59
EV to Sales	―	2.84	3.75	4.72	4.25
EV to Free Cash Flow	―	42.27	18.26	17.41	14.51
EV to Operating Cash Flow	―	42.27	17.06	16.09	13.37
Tangible Book Value Per Share	―	60.62	43.51	40.34	36.44
Shareholders’ Equity Per Share	―	65.84	50.18	46.90	42.99
Tax and Other Ratios
Effective Tax Rate	―	0.28	0.24	0.21	0.22
Revenue Per Share	―	40.62	30.36	21.28	22.66
Net Income Per Share	―	11.30	4.98	0.67	5.93
Tax Burden	―	0.72	0.76	0.78	0.78
Interest Burden	―	1.00	1.00	1.00	1.00
Research & Development to Revenue	―	0.00	0.00	0.00	0.00
SG&A to Revenue	―	0.27	0.31	0.43	0.39
Stock-Based Compensation to Revenue	―	0.00	0.01	0.01	0.01
Income Quality	―	0.24	1.34	9.36	1.22

Currency in USD