Tompkins Financial Corporation logo TMP - Tompkins Financial Corporation

Price: -- -- | CONSENSUS: Hold DETAILS
STRONG
BUY
0
BUY 1
HOLD 3
SELL 0
STRONG
SELL
0
| PRICE TARGET: $74.00 DETAILS
HIGH: $74.00
LOW: $74.00
MEDIAN: $74.00
CONSENSUS: $74.00
DOWNSIDE: 13.75%
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Revenue
Revenue 578.9 431.6 303.4 324.7 316.6 324.9 333.6 322.8 292.5 269.1 258.0 252.5 251.6 210.8 183.1 188.4 193.2 186.8 176.5 162.2 137.5 122.7 116.2 117.7 114.0 106.4 89.4 79.5 74.4 51.1 47.5 43.1 41.4
Cost of Revenue 143.9 143.1 92.2 23.8 15.3 46.2 52.1 43.7 29.6 26.4 23.3 23.0 30.1 33.0 34.6 40.8 49.0 55.8 59.9 49.6 34.3 26.2 26.0 31.1 37.8 41.3 31.5 30.9 29.7 19.1 17.3 13.7 13.1
Gross Profit 435.1 288.6 211.2 300.9 301.3 278.7 281.5 279.1 262.9 242.6 234.7 229.6 221.4 177.8 148.4 147.6 144.1 131.0 116.5 112.6 103.2 96.5 90.3 86.6 76.2 65.2 57.9 48.6 44.8 32 30.2 29.4 28.3
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SG&A Expenses 156.0 137.6 134.3 131.7 127.3 124.5 118.5 115.8 110.9 105.4 96.5 98.5 97.5 76.5 64.8 68.2 58.8 51.4 47.5 35.8 30.5 35.9 32.9 29.5 25.3 21.5 18.6 15.1 14.2 9.3 8.9 8.8 8.1
Other Expenses 54.2 58.0 64.8 59.5 59.5 56.6 60.1 59.0 56.7 50.7 50.7 53.5 52.1 58.7 31.7 29.0 38.0 35.7 30.7 36.3 31.8 22.5 21.1 22.9 20.9 17.9 16.3 11.8 10.8 8.4 8 9.1 7.7
Operating Expenses 210.2 195.6 199.1 191.2 186.8 181.1 178.6 174.8 167.7 156.1 147.2 152.0 149.7 135.2 96.5 97.2 96.8 87.1 78.2 72.1 62.3 58.4 54.0 52.4 46.2 39.4 34.9 26.9 25.0 17.7 16.9 17.9 15.8
Operating Income
Operating Income 224.9 93.0 12.1 109.7 114.6 97.7 102.9 104.2 95.2 86.5 87.5 77.6 71.8 42.5 51.9 50.4 47.3 43.9 38.4 40.5 40.9 38.1 36.3 34.2 30.0 25.8 23.0 21.7 19.7 14.3 13.3 11.5 12.5
Interest Expense 132.3 136.5 87.8 21.0 17.5 29.0 50.8 39.8 25.5 22.1 20.4 20.7 24.0 24.2 25.7 32.3 39.8 50.4 58.4 48.2 31.7 23.3 23.5 28.8 36.2 40.1 30.6 29.4 28.2 17.9 16.5 12.9 11.9
Interest Income 382.1 347.6 297.4 251.3 241.3 254.3 261.4 251.6 226.8 202.7 188.7 184.5 185.1 158.4 137.1 144.1 146.8 140.8 132.4 121.0 106.7 94.7 91.0 94.0 94.2 92.0 77.6 69.7 66.3 43.3 40.1 35.7 34.4
Profitability
EBITDA 224.9 93.0 12.1 109.7 114.6 109.3 114.6 115.6 105.4 95.4 96.0 85.4 79.7 49.1 57.3 55.8 52.7 49.5 44.8 46.9 47.1 44.6 44.1 40.0 34.9 29.4 26.2 24.1 22.0 15.2 14.3 12.4 13.3
EBIT 224.9 93.0 12.1 109.7 114.6 97.7 102.9 104.2 95.2 86.5 87.5 77.6 71.8 42.5 51.9 50.4 47.3 43.9 38.4 40.5 40.9 38.1 36.3 34.2 30.0 25.8 23.0 21.7 19.7 14.3 13.3 11.5 12.5
Income Before Tax 224.9 93.0 12.1 109.7 114.6 97.7 102.9 104.2 95.2 86.5 87.5 77.6 71.8 42.5 51.9 50.4 47.3 43.9 38.4 40.5 40.9 38.1 36.3 34.2 30.0 25.8 23.0 21.7 19.7 14.3 13.3 11.5 12.5
Income Tax Expense 63.8 22.0 2.5 24.6 25.2 19.9 21.0 21.8 42.6 27.0 29.0 25.4 20.8 11.1 16.4 16.4 15.4 13.8 12.0 12.7 13.2 12.5 12.1 11.3 10.4 8.3 7.8 7.2 6.8 5.1 4.6 3.4 4.4
Net Income 161.1 70.8 9.5 85.0 89.3 77.6 81.7 82.3 52.5 59.3 58.4 52.0 50.9 31.3 35.4 33.8 31.8 29.8 26.4 27.8 27.7 25.6 24.2 22.9 19.6 17.5 15.2 14.5 13.0 9.2 8.7 8.1 8.1
Per Share Data
EPS (Basic) 11.30 4.98 0.66 5.92 6.08 5.22 5.39 5.39 3.46 3.94 3.91 3.51 3.48 2.44 3.21 3.13 2.71 2.55 2.47 2.56 2.32 2.15 2.24 2.11 1.81 1.69 1.47 1.40 0.65 0.60 0.56 0.47 0.47
EPS (Diluted) 11.24 4.97 0.66 5.89 6.05 5.20 5.37 5.35 3.43 3.91 3.87 3.48 3.46 2.43 3.20 3.11 2.69 2.53 2.45 2.53 2.29 2.11 2.19 2.07 1.79 1.67 1.45 1.37 0.63 0.60 0.56 0.47 0.47
Shares Outstanding 14.3 14.2 14.3 14.3 14.6 14.7 14.9 15.0 15.0 14.8 14.7 14.7 14.5 12.8 11.0 10.8 11.8 10.6 10.7 10.8 11.9 11.9 10.8 10.9 10.8 10.4 10.4 7.1 7.1 7.3 7.9 7.1 7.1
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2009 2008 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Current Assets
Cash & Cash Equivalents 132.8 134.4 79.5 77.8 63.1 388.5 138.0 73.8 77.7 64.0 43.7 48.1 40.9 65.8 63.9 44.0 45.9 35.9 27.8 25.1 25.3 20.8 28.1 28.2
Short-Term Investments 975.2 1,231.5 1,416.7 1,595.0 2,044.5 1,627.2 1,298.6 0 1,391.9 1,429.5 928.8 764.2 0 0 0 0 0 0 (1.0) 0 0 0 0 0
Net Receivables 0 12.4 15.3 16.0 13.9 14.1 17.3 82.1 80.6 83.8 62.9 31.7 37.3 33.4 27.2 24.7 21.1 21.9 14.0 9.2 7.8 8.5 6 5.1
Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Assets 0 (93.2) 0 0 0 0 0 0 0 0 0 0 1,843.9 1,722.0 1,537.9 1,313.0 1,204.2 1,103.4 0 0 0 0 0 0
Total Current Assets 1,108.1 1,285.2 1,511.5 1,688.8 2,121.5 2,029.8 1,453.9 78.5 77.7 62.1 1,035.4 844.0 1,922.1 1,821.1 1,629.0 1,381.6 1,271.2 1,161.3 40.8 34.3 33.1 29.3 34.1 33.3
Non-Current Assets
Property, Plant & Equipment 72.4 76.6 79.7 82.1 85.4 88.7 94.4 97.2 87.0 70.0 46.6 46.6 33.1 28.5 27.1 25.0 23.9 21.1 7.4 6.8 6.9 7.2 7.1 5.7
Goodwill 72.7 92.6 92.6 92.6 92.4 92.4 92.4 92.3 92.3 92.6 41.6 41.5 12.3 0 0 0 0 0 0 0 0 0 0 0
Intangible Assets 1.7 2.2 2.3 2.7 3.6 4.9 6.2 7.6 9.3 11.3 4.9 5.3 2.8 33.4 27.2 24.7 21.1 21.9 14.0 0 0 0 0 0
Long-Term Investments 7,141.8 1,544.8 5,852.2 5,520.1 5,303.7 5,195.4 4,861.3 1,474.1 1,532.0 1,571.7 36.9 45.7 660.3 641.7 532.5 413.2 330.2 325.2 216.8 213.6 205.7 184 173.5 180.5
Other Non-Current Assets 271.6 (1,544.8) 281.4 284.3 213.3 210.9 217.5 3,674.2 3,450.7 2,997.6 (83.5) (118.5) (708.5) (626.8) (518.4) 14.1 9.9 6.3 (224.2) (220.4) (212.6) (191.2) (180.6) (186.2)
Total Non-Current Assets 7,560.2 171.4 6,308.3 5,981.8 5,698.5 5,592.4 5,271.7 5,345.4 5,171.2 4,743.3 46.5 20.6 2,551.3 43.3 41.2 39.1 33.7 27.4 224.2 220.4 212.6 191.2 180.6 186.2
Total Assets 8,668.3 8,109.1 7,819.7 7,670.7 7,820.0 7,622.2 6,725.6 6,758.4 6,648.3 6,236.8 3,153.3 2,867.7 1,970.3 1,864.4 1,670.2 1,420.7 1,304.9 1,188.7 954.7 626.9 591.3 537 511.2 492.2
Current Liabilities
Account Payables 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Short-Term Debt 490.6 247 528.1 297.6 80.8 65.8 299.4 0 587.7 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Deferred Revenue 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Liabilities 6,937.8 6,508.8 6,399.8 6,602.3 6,791.4 6,437.8 5,212.9 0 2,085.6 0 0 0 1,104.9 0 0 0 0 0 0 0 0 0 0 0
Total Current Liabilities 7,428.3 6,755.8 6,927.9 6,899.9 6,872.2 6,503.6 5,512.4 1.5 2,673.3 4,766.3 2,675.7 2,625.7 1,104.9 0 0 0 0 0 0 0 0 0 0 0
Non-Current Liabilities
Long-Term Debt 169.4 543.2 125 50 110 278.2 436.0 527.7 500.7 922.5 209.0 274.8 63.3 87.1 81.9 75.6 67.3 42.0 49.0 27 15 12 12 12
Deferred Tax Liabilities 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Non-Current Liabilities 132.1 96.5 96.9 103.4 108.8 122.7 114.2 5,608.4 5,569.9 4,763.5 25.0 (250.7) 475.9 (87.1) (81.9) (75.6) (67.3) (42.0) (49.0) (27) (15) (12) (12) (12)
Total Non-Current Liabilities 301.6 639.8 221.9 153.4 218.8 400.9 550.2 6,136.1 6,070.6 5,686.0 234 24.1 539.2 0 0 0 0 0 0 0 0 0 0 0
Total Liabilities 7,729.9 7,395.6 7,149.8 7,053.3 7,091.0 6,904.5 6,062.6 6,137.6 6,072.1 5,687.4 2,908.3 2,648.4 1,797.8 1,704.0 1,518.1 1,288.1 1,188.4 1,085.9 855.7 570 538.7 481.9 463.4 444.8
Stockholders' Equity
Common Stock 1.4 1.4 1.4 1.5 1.5 1.5 1.5 1.5 1.5 1.5 1.0 1.0 0.8 0.8 0.7 0.7 0.7 0.7 0 0 0 0 0 0
Retained Earnings 662.2 537.2 501.5 526.7 475.3 418.4 370.5 319.4 265.0 230.2 92.4 73.8 94.5 78.7 96.7 82.4 70.9 61.1 33.4 26.8 20.9 15.6 19.8 14.9
Accumulated Other Comprehensive Income (19.1) (118.5) (125.0) (208.7) (56.0) (32.1) (43.6) (63.2) (51.3) (37.1) (3.1) (7.6) 0.9 3.0 7.6 3.0 (0.3) (5.2) 1.1 1.1 0.1 0.9 (0.8) 2.4
Total Stockholders' Equity 938.4 713.4 668.5 616.0 727.5 716.3 661.6 619.5 574.8 548.0 243.6 217.9 171.0 159.0 150.6 131.1 115.0 96.6 97.7 56.9 52.6 55.1 47.8 47.4
Total Liabilities & Equity 8,668.3 8,109.1 7,819.7 7,670.7 7,820.0 7,622.2 6,725.6 6,758.4 6,648.3 6,236.8 3,153.3 2,867.7 1,970.3 1,864.4 1,670.2 1,420.7 1,304.9 1,188.7 954.7 626.9 591.3 537 511.2 492.2
Debt Metrics
Total Debt 660.0 790.2 653.1 347.6 190.8 344.1 735.5 1,092.9 1,088.4 922.5 209.0 274.8 63.3 87.1 81.9 75.6 67.3 42.0 49.0 27 15 12 12 12
Net Debt 527.2 655.8 573.6 269.7 127.7 (44.4) 597.5 1,012.5 1,004.1 858.5 163.6 222.5 22.4 21.4 18.0 31.6 21.3 6.1 21.2 1.9 (10.3) (8.8) (16.1) (16.2)
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Operating Activities
Net Income 161.1 70.8 9.5 85.0 89.3 77.6 81.7 82.3 52.5 59.3 27.7 25.6 24.2 22.9 19.6 17.5 15.2 14.5 13.0 9.2 8.7 8.1 8.1
Depreciation & Amortization 8.3 10.5 11.7 11.6 11.6 11.7 11.7 11.3 10.2 8.9 6.2 6.5 7.9 5.8 4.9 3.6 3.1 2.4 2.2 1 1 0.9 0.8
Stock-Based Compensation 3.5 4.6 4.1 4.3 5.1 4.7 4.2 3.5 3.0 2.3 0 0 0 0 0 0 0 0 0 0 0 0 0
Change in Working Capital 30.4 (1.3) 0.8 (1.7) 8.6 (13.5) 1.7 (0.4) (2.6) (1.0) (0.1) 0.2 (0.3) (1.0) (0.7) (0.1) (0.8) (0.4) (0.2) 0.3 0.8 (0.3) 0.6
Other Non-Cash Items (164.4) 13.4 63.3 3.2 4.8 27.2 (0.8) 8.2 8.4 19.5 6.7 3.4 2.5 (4.6) (4.1) 8.0 (1.5) 4.8 2.1 1.1 0.6 0.2 0.7
Operating Cash Flow 38.9 95.0 89.0 103.3 121.2 101.4 101.6 107.3 86.1 90.9 38.2 35.9 34.4 22.5 19.4 28.4 15.4 20.8 16.7 11.5 11.2 8.7 10.1
Investing Activities
Capital Expenditure (6.9) (6.2) (6.8) (8.2) (4.7) (4.6) (6.0) (18.1) (35.3) (16.1) (6.8) (7.8) (4.3) (4.9) (3.7) (5.5) (2.4) (2.2) (2.3) (0.8) (1.1) (2.3) (1.3)
Acquisitions 223.1 0 0 0 0 0 (0.4) 0 0 0 0 (0.5) (0.3) (0.0) (1.1) 5.5 2.4 0 0 0.8 1.1 2.3 1.3
Purchases of Investments (812.6) (55.9) (391.5) (183.1) (1,355.8) (904.9) (340.7) (194.0) (214.1) (412.7) (245.8) (316.1) (501.8) (386.8) (254.2) (56.6) (122.5) (122.3) (100.2) (88.6) (61.6) (57.1) (56.7)
Sales/Maturities of Investments 730.2 238.4 602.3 380.7 596.4 588.0 545.2 228.4 238.8 353.5 232.0 291.7 420.5 273.6 217.3 59.9 107.7 131.8 94.0 67.6 52.9 59 75.6
Other Investing Activities (434.5) (426.7) (350.4) (197.8) 180.8 (322.2) (64.0) (160.0) (416.4) (498.2) (103.5) (107.8) (120.7) (102.3) (86.1) (109.1) (71.4) (67.0) (41.4) (32) (22.2) (26.9) (47.8)
Investing Cash Flow (300.7) (250.4) (146.3) (8.4) (583.3) (643.7) 134.0 (143.6) (427.0) (573.5) (124.2) (140.5) (206.6) (220.5) (127.8) (105.8) (86.2) (59.7) (50.0) (53) (30.9) (25) (28.9)
Financing Activities
Net Debt Issuance (167.3) 188.1 305.5 156.8 (158.1) (391.7) (418.0) 4.3 165.8 348.8 (0.7) (58.0) 114.7 (25.5) 45.4 39.6 (10.3) 15.7 (20.4) 0.1 0 0 12
Stock Repurchased (2.7) 0 (8.7) (15.4) (23.8) (9.4) (29.9) (2.4) 0 (1.2) (0.9) (3.0) 0 0 0 0 0 0 0 0 0 0 0
Dividends Paid (36.1) (35.0) (34.5) (33.6) (32.4) (31.4) (30.6) (29.6) (27.6) (26.6) (10.5) (9.8) (9.1) (8.6) (8.1) (7.7) (6.2) (5.5) (4.8) (3.8) (3.5) (3.2) (2.9)
Other Financing Activities 466.2 57.1 (203.3) (188.0) 351.1 1,223.5 300.5 60.2 220.2 164.1 122.1 149.7 70.8 252.8 52.6 60.7 98.8 39.8 58.3 56.7 15.8 19.3 11.2
Financing Cash Flow 260.3 210.3 59.0 (80.2) 136.8 792.8 (178.0) 32.4 361.2 488.3 110.9 79.8 173.6 218.2 87.2 88.0 78.9 48.1 33.9 45.7 12.3 16.1 20.3
Cash Position
Net Change in Cash (1.6) 54.9 1.7 14.7 (325.4) 250.5 57.6 (3.9) 20.3 5.7 24.9 (24.8) 1.5 20.2 (21.2) 10.6 8.1 9.2 0.6 0.1 0.1 (0.2) 1.5
Cash at Beginning 134.4 79.5 77.8 63.1 388.5 138.0 80.4 84.3 64.0 58.3 40.9 65.8 64.3 44.1 65.4 54.8 46.7 37.5 36.9 20.8 28.1 28.3 26.8
Cash at End 132.8 134.4 79.5 77.8 63.1 388.5 138.0 80.4 84.3 64.0 65.8 40.9 65.8 64.3 44.1 65.4 54.8 46.7 37.5 20.9 28.2 28.1 28.3
Free Cash Flow 31.9 88.8 82.2 95.2 116.4 96.8 95.6 89.2 50.8 74.8 31.4 28.1 30.1 17.6 15.7 22.8 13.0 18.6 14.4 10.7 10.1 6.4 8.8
Key Metrics 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Income Statement
Revenue 578.9 431.6 303.4 324.7 316.6 324.9 333.6 322.8 292.5 269.1 258.0 252.5 251.6 210.8 183.1 188.4 193.2 186.8 176.5 162.2 137.5 122.7 116.2 117.7 114.0 106.4 89.4 79.5 74.4 51.1 47.5 43.1 41.4
Gross Profit 435.1 288.6 211.2 300.9 301.3 278.7 281.5 279.1 262.9 242.6 234.7 229.6 221.4 177.8 148.4 147.6 144.1 131.0 116.5 112.6 103.2 96.5 90.3 86.6 76.2 65.2 57.9 48.6 44.8 32 30.2 29.4 28.3
Operating Income 224.9 93.0 12.1 109.7 114.6 97.7 102.9 104.2 95.2 86.5 87.5 77.6 71.8 42.5 51.9 50.4 47.3 43.9 38.4 40.5 40.9 38.1 36.3 34.2 30.0 25.8 23.0 21.7 19.7 14.3 13.3 11.5 12.5
Net Income 161.1 70.8 9.5 85.0 89.3 77.6 81.7 82.3 52.5 59.3 58.4 52.0 50.9 31.3 35.4 33.8 31.8 29.8 26.4 27.8 27.7 25.6 24.2 22.9 19.6 17.5 15.2 14.5 13.0 9.2 8.7 8.1 8.1
EPS (Diluted) 11.24 4.97 0.66 5.89 6.05 5.20 5.37 5.35 3.43 3.91 3.87 3.48 3.46 2.43 3.20 3.11 2.69 2.53 2.45 2.53 2.29 2.11 2.19 2.07 1.79 1.67 1.45 1.37 0.63 0.60 0.56 0.47 0.47
Balance Sheet
Cash & Equivalents 132.8 134.4 79.5 77.8 63.1 388.5 138.0 73.8 77.7 64.0 43.7 48.1 40.9 65.8 63.9 44.0 45.9 35.9 27.8 25.1 25.3 20.8 28.1 28.2
Total Assets 8,668.3 8,109.1 7,819.7 7,670.7 7,820.0 7,622.2 6,725.6 6,758.4 6,648.3 6,236.8 3,153.3 2,867.7 1,970.3 1,864.4 1,670.2 1,420.7 1,304.9 1,188.7 954.7 626.9 591.3 537 511.2 492.2
Total Debt 660.0 790.2 653.1 347.6 190.8 344.1 735.5 1,092.9 1,088.4 922.5 209.0 274.8 63.3 87.1 81.9 75.6 67.3 42.0 49.0 27 15 12 12 12
Stockholders' Equity 938.4 713.4 668.5 616.0 727.5 716.3 661.6 619.5 574.8 548.0 243.6 217.9 171.0 159.0 150.6 131.1 115.0 96.6 97.7 56.9 52.6 55.1 47.8 47.4
Cash Flow
Operating Cash Flow 38.9 95.0 89.0 103.3 121.2 101.4 101.6 107.3 86.1 90.9 38.2 35.9 34.4 22.5 19.4 28.4 15.4 20.8 16.7 11.5 11.2 8.7 10.1
Capital Expenditure (6.9) (6.2) (6.8) (8.2) (4.7) (4.6) (6.0) (18.1) (35.3) (16.1) (6.8) (7.8) (4.3) (4.9) (3.7) (5.5) (2.4) (2.2) (2.3) (0.8) (1.1) (2.3) (1.3)
Free Cash Flow 31.9 88.8 82.2 95.2 116.4 96.8 95.6 89.2 50.8 74.8 31.4 28.1 30.1 17.6 15.7 22.8 13.0 18.6 14.4 10.7 10.1 6.4 8.8