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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 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.00	999.44	6.69	158.82	1.05
Quick Ratio	0.00	999.44	6.69	164.94	1.26
Cash Ratio	0.00	53.03	0.32	4.51	0.19
Solvency Ratio	0.01	<0.01	0.01	0.01	0.31
Operating Cash Flow Ratio	0.00	59.34	0.43	8.66	0.05
Short-Term Operating Cash Flow Coverage	0.78	0.19	0.00	0.00	0.00
Net Current Asset Value	$ -6.24B	$ -5.65B	$ -5.44B	$ -4.87B	$ 1.85B
Leverage Ratios
Debt-to-Assets Ratio	0.08	0.08	0.07	0.02	0.04
Debt-to-Equity Ratio	0.83	0.90	0.86	0.17	0.39
Debt-to-Capital Ratio	0.45	0.47	0.46	0.15	0.28
Long-Term Debt-to-Capital Ratio	0.40	0.17	0.32	0.13	0.28
Financial Leverage Ratio	11.06	11.70	12.45	10.75	10.64
Debt Service Coverage Ratio	0.24	0.03	4.60	5.76	3.08
Interest Coverage Ratio	0.68	0.14	6.21	6.53	3.36
Debt to Market Cap	0.68	0.71	0.26	0.09	0.27
Interest Debt Per Share	50.55	48.40	38.64	9.71	20.89
Net Debt to EBITDA	-3.81	25.43	3.75	0.48	-1.01
Profitability Margins
Gross Profit Margin	77.05%	100.05%	83.62%	84.39%	84.70%
EBIT Margin	21.07%	5.63%	35.59%	37.86%	32.64%
EBITDA Margin	22.60%	9.54%	39.34%	41.68%	36.54%
Operating Profit Margin	21.02%	5.78%	42.38%	37.82%	32.59%
Pretax Profit Margin	28.61%	5.63%	35.59%	37.86%	32.64%
Net Profit Margin	21.80%	4.41%	27.58%	29.50%	25.93%
Continuous Operations Profit Margin	21.82%	4.47%	27.63%	29.54%	25.98%
Net Income Per EBT	76.19%	78.40%	77.50%	77.91%	79.44%
EBT Per EBIT	136.12%	97.32%	83.99%	100.11%	100.16%
Return on Assets (ROA)	0.95%	0.12%	1.11%	1.14%	1.02%
Return on Equity (ROE)	10.82%	1.42%	13.80%	12.27%	10.83%
Return on Capital Employed (ROCE)	0.29%	0.16%	1.76%	1.47%	1.74%
Return on Invested Capital (ROIC)	1.22%	0.46%	6.54%	1.89%	4.06%
Return on Tangible Assets	0.96%	0.12%	1.12%	1.16%	1.03%
Earnings Yield	8.69%	1.11%	7.65%	7.33%	7.47%
Efficiency Ratios
Receivables Turnover	0.00	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	4.46	2.70	3.75	3.54	3.37
Asset Turnover	0.04	0.03	0.04	0.04	0.04
Working Capital Turnover Ratio	0.49	0.15	0.17	0.26	0.43
Cash Conversion Cycle	0.00	25.93	214.39	-522.31	-3.22K
Days of Sales Outstanding	0.00	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	0.00	25.93	214.39	-522.31	-3.22K
Cash Flow Ratios
Operating Cash Flow Per Share	6.71	6.24	7.21	8.32	6.90
Free Cash Flow Per Share	6.94	5.77	6.64	7.99	6.59
CapEx Per Share	0.29	0.47	0.57	0.33	0.31
Free Cash Flow to Operating Cash Flow	1.03	0.92	0.92	0.96	0.96
Dividend Paid and CapEx Coverage Ratio	2.44	2.16	2.48	3.26	2.82
Capital Expenditure Coverage Ratio	22.99	13.16	12.65	25.56	22.28
Operating Cash Flow Coverage Ratio	0.16	0.15	0.19	0.98	0.36
Operating Cash Flow to Sales Ratio	0.28	0.41	0.34	0.40	0.34
Free Cash Flow Yield	10.56%	9.58%	8.56%	9.56%	9.33%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	12.22	90.33	13.07	13.64	13.38
Price-to-Sales (P/S) Ratio	2.70	3.99	3.61	4.02	3.47
Price-to-Book (P/B) Ratio	1.21	1.28	1.80	1.67	1.45
Price-to-Free Cash Flow (P/FCF) Ratio	9.22	10.44	11.68	10.46	10.72
Price-to-Operating Cash Flow Ratio	9.41	9.65	10.76	10.05	10.24
Price-to-Earnings Growth (PEG) Ratio	3.20	-1.02	-4.97	0.83	-4.24
Price-to-Fair Value	1.21	1.28	1.80	1.67	1.45
Enterprise Value Multiple	20.02	67.21	12.92	10.14	8.49
Enterprise Value	833.69M	1.38B	1.57B	1.28B	927.82M
EV to EBITDA	33.87	67.21	12.92	10.14	8.49
EV to Sales	2.50	6.41	5.08	4.22	3.10
EV to Free Cash Flow	8.51	16.79	16.46	10.98	9.58
EV to Operating Cash Flow	8.90	15.52	15.16	10.55	9.15
Tangible Book Value Per Share	45.39	40.34	36.44	43.44	492.85
Shareholders’ Equity Per Share	52.04	46.90	42.99	49.94	48.72
Tax and Other Ratios
Effective Tax Rate	0.24	0.21	0.22	0.22	0.20
Revenue Per Share	23.72	15.11	21.51	20.77	20.35
Net Income Per Share	5.17	0.67	5.93	6.13	5.28
Tax Burden	0.76	0.78	0.78	0.78	0.79
Interest Burden	2.18	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	0.20	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	1.27	9.36	1.22	1.36	1.31

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