Tompkins Financial Corp - Understand $tmp stock

$TMP Market Cap: $1.113 Billion

Research Board Inbox Deep Research Not Interested Shortlisted

Financial Snapshot

Revenue

$60.84M

TTM

Gross Margin

Net Earnings

$66.19M

TTM

Current Assets

Current Liabilities

$67.51M

Q3 2024

Current Ratio

Total Assets

$8.006B

Q3 2024

Total Liabilities

$7.285B

Q3 2024

Book Value

$721.3M

Q3 2024

Cash

$132.3M

Q3 2024

P/E

16.81

Nov 29, 2024 EST

Free Cash Flow

$84.57M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	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	1992	1991	1990	1989	1988
Revenue	$75.03M	$73.97M	$241.3M	$254.3M	$261.4M	$251.6M	$226.8M	$202.7M	$188.7M	$184.5M
YoY Change	1.43%	-69.35%	-5.12%	-2.7%	3.89%	10.95%	11.85%	7.41%	2.31%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Revenue	$75.03M	$73.97M	$241.3M	$254.3M	$261.4M	$251.6M	$226.8M	$202.7M	$188.7M	$184.5M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	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	1992	1991	1990	1989	1988
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$11.73M	$11.56M	$11.60M	$11.70M	$11.70M	$11.40M	$10.20M	$8.900M	$8.500M	$7.800M	$7.900M	$6.600M	$5.400M	$5.500M	$5.400M	$5.600M	$5.000M	$4.900M	$4.400M	$4.300M	$4.000M	$3.800M	$4.500M	$3.600M	$2.900M	$2.100M	$2.000M	$1.000M	$1.000M	$900.0K	$800.0K	$800.0K	$800.0K	$800.0K	$700.0K	$700.0K
YoY Change	1.52%	-0.37%	-0.85%	0.0%	2.63%	11.76%	14.61%	4.71%	8.97%	-1.27%	19.7%	22.22%	-1.82%	1.85%	-3.57%	12.0%	2.04%	11.36%	2.33%	7.5%	5.26%	-15.56%	25.0%	24.14%	38.1%	5.0%	100.0%	0.0%	11.11%	12.5%	0.0%	0.0%	0.0%	14.29%	0.0%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Interest Expense	$87.84M	$21.04M	$17.53M	$28.99M	$50.75M	$39.79M	$25.46M	$22.10M	$20.37M	$20.68M
YoY Change	317.45%	20.07%	-39.55%	-42.87%	27.54%	56.29%	15.19%	8.53%	-1.54%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	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	1992	1991	1990	1989	1988
Pretax Income	$12.12M	$109.7M	$114.6M	$97.67M	$102.9M	$104.2M	$95.24M	$86.52M	$87.51M	$77.58M	$71.80M	$42.50M	$51.90M	$50.40M	$47.30M	$43.90M	$38.50M	$40.60M	$41.00M	$38.20M	$36.40M	$34.30M	$30.20M	$26.30M	$23.60M	$21.70M	$19.70M	$14.30M	$13.30M	$11.60M	$12.50M	$11.10M	$8.100M	$7.200M	$6.500M	$5.900M
YoY Change	-88.95%	-4.24%	17.31%	-5.05%	-1.32%	9.45%	10.09%	-1.14%	12.81%	8.04%	68.94%	-18.11%	2.98%	6.55%	7.74%	14.03%	-5.17%	-0.98%	7.33%	4.95%	6.12%	13.58%	14.83%	11.44%	8.76%	10.15%	37.76%	7.52%	14.66%	-7.2%	12.61%	37.04%	12.5%	10.77%	10.17%	20.41%
Income Tax	$2.495M	$24.56M	$25.18M	$19.92M	$21.02M	$21.81M	$42.62M	$27.05M	$28.96M	$25.40M	$20.80M	$11.10M	$16.40M	$16.40M	$15.40M	$13.80M	$12.00M	$12.70M	$13.20M	$12.50M	$12.10M	$11.30M	$10.40M	$8.300M	$7.800M	$7.200M	$6.800M	$5.100M	$4.600M	$3.400M	$4.400M	$3.900M	$2.800M	$2.600M	$2.300M	$2.000M
% Of Pretax Income	20.58%	22.38%	21.98%	20.4%	20.43%	20.92%	44.75%	31.26%	33.09%	32.75%	28.97%	26.12%	31.6%	32.54%	32.56%	31.44%	31.17%	31.28%	32.2%	32.72%	33.24%	32.94%	34.44%	31.56%	33.05%	33.18%	34.52%	35.66%	34.59%	29.31%	35.2%	35.14%	34.57%	36.11%	35.38%	33.9%
Net Earnings	$9.505M	$85.03M	$89.26M	$77.59M	$81.72M	$82.31M	$52.49M	$59.34M	$58.42M	$52.04M	$50.90M	$31.30M	$35.40M	$33.80M	$31.80M	$29.80M	$26.40M	$27.80M	$27.70M	$25.60M	$24.20M	$22.90M	$19.60M	$17.50M	$15.20M	$14.50M	$13.00M	$9.200M	$8.700M	$8.100M	$8.100M	$7.200M	$5.200M	$4.700M	$4.300M	$3.900M
YoY Change	-88.82%	-4.74%	15.05%	-5.05%	-0.72%	56.8%	-11.54%	1.57%	12.26%	2.24%	62.62%	-11.58%	4.73%	6.29%	6.71%	12.88%	-5.04%	0.36%	8.2%	5.79%	5.68%	16.84%	12.0%	15.13%	4.83%	11.54%	41.3%	5.75%	7.41%	0.0%	12.5%	38.46%	10.64%	9.3%	10.26%	2.63%
Net Earnings / Revenue	12.67%	114.95%	36.99%	30.51%	31.26%	32.71%	23.15%	29.27%	30.95%	28.21%
Basic Earnings Per Share	$0.66	$5.92	$6.08	$5.22	$5.39	$5.39	$3.46	$3.94	$3.91	$3.51			$3.21	$3.13	$2.98
Diluted Earnings Per Share	$0.66	$5.89	$6.05	$5.20	$5.37	$5.35	$3.43	$3.91	$3.87	$3.48	$3.486M	$2.445M	$3.20	$3.11	$2.96	$2.785M	$2.444M	$2.527M	$2.518M	$2.327M	$2.200M	$2.063M	$1.782M	$1.667M	$1.448M	$1.368M	$1.262M	$1.195M	$1.115M	$1.038M	$1.025M	$923.1K	$666.7K	$602.6K	$551.3K	$500.0K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	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	1992	1991	1990	1989	1988
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$107.4M	$115.2M	$85.40M	$88.70M	$127.9M	$97.20M	$87.00M	$70.00M	$60.30M	$59.80M	$55.90M	$54.60M	$44.70M	$46.10M	$46.70M	$46.60M	$44.80M	$43.30M	$36.90M	$33.10M	$28.50M	$27.10M	$25.00M	$23.90M	$21.10M	$13.80M	$6.800M	$6.900M	$7.200M	$7.100M	$5.700M	$5.100M	$4.500M	$5.000M	$5.000M	$5.000M
YoY Change	-6.81%	34.94%	-3.72%	-30.65%	31.58%	11.72%	24.29%	16.09%	0.84%	6.98%	2.38%	22.15%	-3.04%	-1.28%	0.21%	4.02%	3.46%	17.34%	11.48%	16.14%	5.17%	8.4%	4.6%	13.27%	52.9%	102.94%	-1.45%	-4.17%	1.41%	24.56%	11.76%	13.33%	-10.0%	0.0%	0.0%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
Total Assets	$7.820B	$7.671B	$7.820B	$7.622B	$6.726B	$6.758B	$6.648B	$6.237B	$5.690B	$5.270B	$5.003B	$4.837B	$3.400B	$3.260B	$3.153B	$2.868B	$2.360B	$2.211B	$2.107B	$1.970B	$1.864B	$1.670B	$1.421B	$1.305B	$1.189B	$954.7M	$626.9M	$591.3M	$537.0M	$511.2M	$492.2M	$459.3M	$427.5M	$383.5M	$360.4M	$338.0M
YoY Change
Accounts Payable																												$0.00	$6.400M	$3.300M	$5.300M	$3.300M	$5.100M	$5.800M	$7.000M	$7.900M
YoY Change																												-100.0%	93.94%	-37.74%	60.61%	-35.29%	-12.07%	-17.14%	-11.39%
Accrued Expenses	$29.10M	$34.50M			$35.90M
YoY Change	-15.65%
Deferred Revenue
YoY Change
Short-Term Debt	$51.00M	$56.28M	$66.80M	$65.80M	$60.30M	$81.80M	$75.20M	$69.10M	$136.5M	$147.0M	$167.7M	$214.0M	$169.1M	$183.6M	$192.8M	$196.3M	$195.4M	$191.5M	$152.7M	$153.7M	$187.9M	$77.80M	$109.7M	$72.20M	$57.80M	$61.20M	$58.00M	$90.00M	$92.90M	$102.2M	$77.00M	$78.90M	$56.80M	$48.60M	$39.10M	$36.40M
YoY Change	-9.39%	-15.75%	1.52%	9.12%	-26.28%	8.78%	8.83%	-49.38%	-7.14%	-12.34%	-21.64%	26.55%	-7.9%	-4.77%	-1.78%	0.46%	2.04%	25.41%	-0.65%	-18.2%	141.52%	-29.08%	51.94%	24.91%	-5.56%	5.52%	-35.56%	-3.12%	-9.1%	32.73%	-2.41%	38.91%	16.87%	24.3%	7.42%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$80.10M	$90.78M	$66.80M	$65.80M	$35.90M	$81.80M	$75.20M	$69.10M	$136.5M	$147.0M	$167.7M	$214.0M	$169.1M	$183.6M	$192.8M	$196.3M	$195.4M	$191.5M	$152.7M	$153.7M	$187.9M	$77.80M	$109.7M	$72.20M	$57.80M	$61.20M	$58.00M	$90.00M	$6.400M	$3.300M	$5.300M	$3.300M	$5.100M	$5.800M	$7.000M	$7.900M
YoY Change	-11.77%	35.9%	1.52%	83.29%	-56.11%	8.78%	8.83%	-49.38%	-7.14%	-12.34%	-21.64%	26.55%	-7.9%	-4.77%	-1.78%	0.46%	2.04%	25.41%	-0.65%	-18.2%	141.52%	-29.08%	51.94%	24.91%	-5.56%	5.52%	-35.56%	1306.25%	93.94%	-37.74%	60.61%	-35.29%	-12.07%	-17.14%	-11.39%
Long-Term Debt	$0.00	$0.00	$0.00	$13.20M	$21.00M	$20.90M	$1.088B	$922.5M	$573.8M	$393.9M	$368.7M	$63.70M	$211.1M	$269.3M	$234.0M	$278.7M	$100.0K	$300.0K	$63.70M	$63.30M	$87.10M	$81.90M	$75.60M	$67.30M	$42.00M	$49.00M	$27.00M	$15.00M	$12.00M	$12.00M	$12.00M	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change			-100.0%	-37.14%	0.48%	-98.08%	17.98%	60.77%	45.67%	6.83%	478.81%	-69.82%	-21.61%	15.09%	-16.04%	278600.0%	-66.67%	-99.53%	0.63%	-27.32%	6.35%	8.33%	12.33%	60.24%	-14.29%	81.48%	80.0%	25.0%	0.0%	0.0%
Other Long-Term Liabilities	$67.77M	$68.92M	$108.8M	$122.7M	$78.20M	$73.80M	$70.70M	$70.70M	$67.90M	$69.90M	$61.50M	$76.20M	$60.30M	$38.20M	$41.60M	$39.40M	$33.70M	$32.90M	$24.90M	$19.90M	$17.80M	$18.10M	$15.40M	$14.00M	$11.80M	$11.90M	$8.000M	$6.400M
YoY Change	-1.67%	-36.65%	-11.33%	56.91%	5.96%	4.38%	0.0%	4.12%	-2.86%	13.66%	-19.29%	26.37%	57.85%	-8.17%	5.58%	16.91%	2.43%	32.13%	25.13%	11.8%	-1.66%	17.53%	10.0%	18.64%	-0.84%	48.75%	25.0%
Total Long-Term Liabilities	$67.77M	$68.92M	$108.8M	$135.9M	$99.20M	$94.70M	$1.159B	$993.2M	$641.7M	$463.8M	$430.2M	$139.9M	$271.4M	$307.5M	$275.6M	$318.1M	$33.80M	$33.20M	$88.60M	$83.20M	$104.9M	$100.0M	$91.00M	$81.30M	$53.80M	$60.90M	$35.00M	$21.40M	$12.00M	$12.00M	$12.00M	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change	-1.67%	-36.65%	-19.94%	37.0%	4.75%	-91.83%	16.7%	54.78%	38.36%	7.81%	207.51%	-48.45%	-11.74%	11.57%	-13.36%	841.12%	1.81%	-62.53%	6.49%	-20.69%	4.9%	9.89%	11.93%	51.12%	-11.66%	74.0%	63.55%	78.33%	0.0%	0.0%
Total Liabilities	$7.151B	$7.055B	$7.093B	$6.906B	$6.064B	$6.139B	$6.074B	$5.689B	$5.175B	$4.781B	$4.547B	$4.397B	$3.103B	$2.988B	$2.910B	$2.650B	$2.162B	$2.021B	$1.926B	$1.799B	$1.706B	$1.520B	$1.290B	$1.190B	$1.092B	$857.1M	$569.7M	$538.7M	$481.9M	$463.3M	$444.8M	$419.5M	$393.1M	$352.7M	$332.5M	$313.2M
YoY Change	1.37%	-0.53%	2.7%	13.88%	-1.22%	1.08%	6.76%	9.93%	8.23%	5.16%	3.4%	41.73%	3.82%	2.7%	9.81%	22.55%	6.98%	4.96%	7.02%	5.5%	12.23%	17.83%	8.38%	8.96%	27.42%	50.45%	5.75%	11.79%	4.01%	4.16%	6.03%	6.72%	11.45%	6.08%	6.16%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Basic Shares Outstanding	14.25M shares	14.33M shares	14.57M shares	14.70M shares	14.91M shares	15.04M shares	14.95M shares	14.81M shares	14.73M shares	14.68M shares
Diluted Shares Outstanding	14.30M shares	14.40M shares	14.65M shares	14.74M shares	14.97M shares	15.13M shares	15.07M shares	14.94M shares	14.86M shares	14.79M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $1.1128 Billion

About TOMPKINS FINANCIAL CORP

Tompkins Financial Corp. engages in the provision of financial services. The company is headquartered in Ithaca, New York and currently employs 942 full-time employees. The firm's segments include banking, insurance and wealth management. The banking segment provides services consisting primarily of deposits from the areas served by the Company's banking subsidiary and using those deposits to originate a variety of commercial loans, agricultural loans, consumer loans, real estate loans, and leases in those same areas. The insurance segment provides services, such as property and casualty insurance, employee benefit consulting, life, long-term care and disability insurance. The wealth management segment provides services, including investment management, trust and estate, financial and tax planning as well as life, disability and long-term care insurance services. Its wealth management services are provided under the trade name Tompkins Financial Advisors.

Industry: State Commercial Banks Peers: 1ST SOURCE CORP First Foundation Inc. GERMAN AMERICAN BANCORP, INC. LAKELAND BANCORP INC OCEANFIRST FINANCIAL CORP Preferred Bank PNC FINANCIAL SERVICES GROUP, INC. S&T BANCORP INC SOUTHSIDE BANCSHARES INC