Profitability
Weight: 25%
B+
76
Scored using efficiency ratio — bank-archetype substitution.
- Efficiency Ratio (FY2025) 47.1%
- Efficiency Ratio Trend +0.26 pp/yr
TMP
Tompkins Financial Corporation
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
B-
68
- 5yr Avg ROE 10.9%
- 5yr Share-Count CAGR -0.6%
Growth Quality
Weight: 15%
B-
64
Scored using revenue growth cross-checked against efficiency-ratio trend — bank-archetype substitution.
- 5yr Revenue CAGR 12.2%
- Efficiency Ratio Trend (growth quality check) +0.26 pp/yr
- Revenue-Growth Years (5) 3/5
Cash Generation
Weight: 15%
F
12
Scored using efficiency-ratio stability — bank-archetype substitution.
- Efficiency Ratio Stability (σ) 0.11
Balance Sheet
Weight: 20%
A-
82
Scored using equity-to-assets — bank-archetype substitution.
- Equity / Assets 10.8%
Stability
Weight: 10%
C-
48
- EPS Volatility (σ/μ) 0.50
- Negative-Revenue Years (5) 2/5
- Piotroski F-Score 6
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.1 of 1 gurus held; 1 trimmed.
- Holders
- 1
- Avg Δ position
- -7.1%
- New buys
- 0
- Full exits
- 0
- Cooperman decreased -7%