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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 Q2 2025 was $0.69. For the 2025 fiscal year, TMP's free cash flow was decreased by $ and operating cash flow was $0.24. 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	0.67	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	0.10	0.08	0.07	0.02	0.04
Debt-to-Equity Ratio	1.05	0.90	0.86	0.17	0.39
Debt-to-Capital Ratio	0.51	0.47	0.46	0.15	0.28
Long-Term Debt-to-Capital Ratio	0.47	0.17	0.32	0.13	0.28
Financial Leverage Ratio	10.99	11.70	12.45	10.75	10.64
Debt Service Coverage Ratio	>-0.01	0.03	4.60	5.76	3.08
Interest Coverage Ratio	0.76	0.14	6.21	6.53	3.36
Debt to Market Cap	0.83	0.71	0.26	0.09	0.27
Interest Debt Per Share	65.69	48.40	38.64	9.71	20.89
Net Debt to EBITDA	23.86	25.43	3.75	0.48	-1.01
Profitability Margins
Gross Profit Margin	80.49%	100.05%	83.62%	84.39%	84.70%
EBIT Margin	19.98%	5.63%	35.59%	37.86%	32.64%
EBITDA Margin	6.46%	9.54%	39.34%	41.68%	36.54%
Operating Profit Margin	27.13%	5.78%	42.38%	37.82%	32.59%
Pretax Profit Margin	27.36%	5.63%	35.59%	37.86%	32.64%
Net Profit Margin	20.84%	4.41%	27.58%	29.50%	25.93%
Continuous Operations Profit Margin	20.86%	4.47%	27.63%	29.54%	25.98%
Net Income Per EBT	76.17%	78.40%	77.50%	77.91%	79.44%
EBT Per EBIT	100.83%	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)	1.24%	0.16%	1.76%	1.47%	1.74%
Return on Invested Capital (ROIC)	4.73%	0.46%	6.54%	1.89%	4.06%
Return on Tangible Assets	0.96%	0.12%	1.12%	1.16%	1.03%
Earnings Yield	8.37%	1.11%	7.65%	7.33%	7.47%
Efficiency Ratios
Receivables Turnover	34.83	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	5.12	2.70	3.75	3.54	3.37
Asset Turnover	0.05	0.03	0.04	0.04	0.04
Working Capital Turnover Ratio	0.28	0.15	0.17	0.26	0.43
Cash Conversion Cycle	10.48	25.93	214.39	-522.31	-3.22K
Days of Sales Outstanding	10.48	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	10.48	25.93	214.39	-522.31	-3.22K
Cash Flow Ratios
Operating Cash Flow Per Share	5.99	6.24	7.21	8.32	6.90
Free Cash Flow Per Share	6.31	5.77	6.64	7.99	6.59
CapEx Per Share	0.32	0.47	0.57	0.33	0.31
Free Cash Flow to Operating Cash Flow	1.05	0.92	0.92	0.96	0.96
Dividend Paid and CapEx Coverage Ratio	2.13	2.16	2.48	3.26	2.82
Capital Expenditure Coverage Ratio	18.94	13.16	12.65	25.56	22.28
Operating Cash Flow Coverage Ratio	0.11	0.15	0.19	0.98	0.36
Operating Cash Flow to Sales Ratio	0.22	0.41	0.34	0.40	0.34
Free Cash Flow Yield	9.35%	9.58%	8.56%	9.56%	9.33%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	11.94	90.33	13.07	13.64	13.38
Price-to-Sales (P/S) Ratio	2.52	3.99	3.61	4.02	3.47
Price-to-Book (P/B) Ratio	1.25	1.28	1.80	1.67	1.45
Price-to-Free Cash Flow (P/FCF) Ratio	10.69	10.44	11.68	10.46	10.72
Price-to-Operating Cash Flow Ratio	11.11	9.65	10.76	10.05	10.24
Price-to-Earnings Growth (PEG) Ratio	1.51	-1.02	-4.97	0.83	-4.24
Price-to-Fair Value	1.25	1.28	1.80	1.67	1.45
Enterprise Value Multiple	62.92	67.21	12.92	10.14	8.49
Enterprise Value	1.55B	1.38B	1.57B	1.28B	927.82M
EV to EBITDA	62.92	67.21	12.92	10.14	8.49
EV to Sales	4.06	6.41	5.08	4.22	3.10
EV to Free Cash Flow	17.23	16.79	16.46	10.98	9.58
EV to Operating Cash Flow	18.14	15.52	15.16	10.55	9.15
Tangible Book Value Per Share	46.82	40.34	36.44	43.44	492.85
Shareholders’ Equity Per Share	53.47	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	26.76	15.11	21.51	20.77	20.35
Net Income Per Share	5.58	0.67	5.93	6.13	5.28
Tax Burden	0.76	0.78	0.78	0.78	0.79
Interest Burden	1.37	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	0.35	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	1.07	9.36	1.22	1.36	1.31

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