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TOMPKINS FINANCIAL CORP TMP

NYSE · stock · State Commercial Banks · website · IPO 1986-06-02 · LEI

TOMPKINS FINANCIAL CORP statistics & valuation

Market cap$1.3B
P / E8.4×
P / S17.8×
P / B1.4×
P / FCF42.2×
Dividend yield2.68%
Net margin212.7%
Return on equity17.2%
FCF margin42.2%
Graham number +32.5%$128.66

Market cap as of 2026-06-30. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($128.66); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
83.20% 124.80% 121.00% 118.00% 123.00% 114.90% 12.70% 89.30% 212.70% 2016201720182019202020212022202320242025
Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
10.80% 9.10% 13.30% 12.30% 10.80% 12.20% 13.80% 1.40% 9.90% 17.20% 2016201720182019202020212022202320242025
Shares outstanding
14.9M 15.1M 15.1M 15.0M 14.7M 14.6M 14.4M 14.3M 14.3M 14.3M 2016201720182019202020212022202320242025
Net debt ($)
2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
1.00% 0.80% 1.20% 1.20% 1.00% 1.10% 1.10% 0.10% 0.90% 1.90% 2016201720182019202020212022202320242025
Free cash flow margin (%)
80.50% 135.20% 141.50% 147.30% 160.40% 128.70% 109.60% 111.90% 42.20% 2016201720182019202020212022202320242025
Debt / equity (×)
2016201720182019202020212022202320242025
EPS ($)
$3.91 $3.43 $5.35 $5.37 $5.20 $6.05 $5.89 $0.66 $4.97 $11.24 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

TOMPKINS FINANCIAL CORP trades at about 8.6× earnings — below its 10-year norm (10-year range 7.1×–74.8×, median 14.1×).

7.1× 74.8×

Shaded band = 10-year range (7.1×–74.8×); dot = today's 8.6×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Net margin212.7%89.3%12.7%114.9%123.0%118.0%121.0%124.8%83.2%—
FCF margin42.2%111.9%109.6%128.7%160.4%147.3%141.5%135.2%80.5%—
Return on assets1.9%0.9%0.1%1.1%1.1%1.0%1.2%1.2%0.8%1.0%
Return on equity17.2%9.9%1.4%13.8%12.2%10.8%12.3%13.3%9.1%10.8%

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.