Tompkins Financial Corporation Financial Ratios — TMP Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	40.46	30.12	40.89	34.1	31.96	27.56	21.07	28.02	23.59	19.6	19.91	16.92	1.84	13.6	26.8
Return on Assets (%)	1.06	0.76	1.03	1.01	1.07	1	0.81	1.23	1.21	1.08	1.16	1.1	0.12	0.89	1.92
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	3.4	3.53	3.47	3.37	3.57	3.61	3.82	4	4.14	3.95	3.87	3.81	5.44	3.55	3.39
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	32.99	22.78	31.53	33.46	36.82	35.03	35.66	36.83	36.37	33	38.3	36.13	5.63	31.5	88.5
Profit Margin (%)	22.51	16.77	22.35	22.44	24.58	24.03	19.65	29.08	28.89	26.22	29.84	28	4.41	24	63.4
Net Income to Common Margin (%)	22.51	16.77	22.35	22.44	24.58	24.03	19.65	29.08	28.89	26.22	29.84	28	4.41	24	63.4
Effective Tax Rate (%)	31.53	26.09	28.95	32.75	33.09	31.26	44.75	20.92	20.43	20.4	21.98	22.38	20.58	23.67	28.37
Dvd Payout Ratio (%)	43.22	60.29	43.94	45.85	43.3	44.63	52.37	35.89	37.37	40.26	36.21	39.36	353.86	49.3	22.41
Sustainable Growth Rate (%)	22.97	11.96	22.92	18.46	18.12	15.26	10.04	17.96	14.77	11.71	12.7	10.26	-4.68	6.9	20.79

Credit (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	211	156	369	394	574	922	1,088	1,093	675	278	124	291	602	790	564
ST Debt	- -	- -	- -	- -	- -	- -	588	647	239	- -	14	241	477	247	395
LT Debt	211	156	369	394	574	922	501	446	436	278	110	50	125	543	169
Total Debt/EBITDA	39.49	23.6	46.65	50.46	67.66	103.43	106.7	96.51	57.62	23.83	10.72	25.21	51.32	75.44	65.5
Net Debt/EBITDA	30.22	5.55	36.17	43.28	60.79	96.26	98.43	89.41	45.84	-9.44	5.26	18.47	44.54	62.61	50.09
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	2.87	2.28	2.77	3.16	3.5	3.72	4.01	4.75	5.53	5.51	6.1	6.89	6.43	6.64	7.66
Long-Term Debt/Equity (%)	70.58	35.24	80.51	80.45	111.1	167.91	86.9	71.81	65.76	38.77	15.09	8.1	18.66	76.14	18.06
Long-Term Debt/Capital (%)	68.08	58.22	72.47	70.09	74.12	79.83	36.91	31.5	41.59	39.77	18.27	6.09	11.3	40.88	13.8
Long-Term Debt/Total Assets (%)	6.21	3.22	7.37	7.47	10.08	14.79	7.53	6.6	6.48	3.65	1.41	0.65	1.6	6.7	1.95
Total Debt/Equity (%)	70.58	35.24	80.51	80.45	111.1	167.91	188.9	176.03	101.82	38.77	17.01	47.18	89.87	110.77	60.15
Total Debt/Capital (%)	68.08	58.22	72.47	70.09	74.12	79.83	80.24	77.22	64.39	39.77	20.59	35.49	54.42	59.47	45.96
Total Debt/Total Assets (%)	6.21	3.22	7.37	7.47	10.08	14.79	16.37	16.17	10.04	3.65	1.59	3.8	7.7	9.75	6.51
Net Debt to Equity	54.01	8.29	62.41	69	99.82	156.27	174.27	163.09	81.01	-15.36	8.35	34.58	78	91.93	46
Net Debt/Capital (%)	62	24.69	67.12	66.77	72.01	78.64	78.94	75.85	58.99	-35.44	11.3	28.73	50.89	54.91	39.41
EBITDA	5	7	8	8	8	9	10	11	12	12	12	12	12	10	9
EBITDA-CapEx	2	- -	1	-1	2	-7	-25	-7	6	7	7	3	5	4	2
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	2.87	2.28	2.77	3.16	3.5	3.72	4.01	4.75	5.53	5.51	6.1	6.89	6.43	6.64	7.66
Long-Term Debt/Equity (%)	70.58	35.24	80.51	80.45	111.1	167.91	86.9	71.81	65.76	38.77	15.09	8.1	18.66	76.14	18.06
Long-Term Debt/Capital (%)	68.08	58.22	72.47	70.09	74.12	79.83	36.91	31.5	41.59	39.77	18.27	6.09	11.3	40.88	13.8
Long-Term Debt/Total Assets (%)	6.21	3.22	7.37	7.47	10.08	14.79	7.53	6.6	6.48	3.65	1.41	0.65	1.6	6.7	1.95
Total Debt/Equity (%)	70.58	35.24	80.51	80.45	111.1	167.91	188.9	176.03	101.82	38.77	17.01	47.18	89.87	110.77	60.15
Total Debt/Capital (%)	68.08	58.22	72.47	70.09	74.12	79.83	80.24	77.22	64.39	39.77	20.59	35.49	54.42	59.47	45.96
Total Debt/Total Assets (%)	6.21	3.22	7.37	7.47	10.08	14.79	16.37	16.17	10.04	3.65	1.59	3.8	7.7	9.75	6.51
CFO/Total Liabilities	2.32	1.41	1.84	1.62	1.6	1.6	1.42	1.75	1.68	1.47	1.71	1.47	1.24	1.28	0.5
CFO/CapEx	21.75	8.74	12.79	8.58	13.05	5.58	2.44	5.93	16.9	22.28	25.56	12.65	13.16	15.29	5.62
Altman's Z-Score	0.17	0.14	0.18	0.19	0.19	0.24	0.22	0.22	0.26	0.21	0.23	0.23	0.19	0.21	0.22

Working Capital (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	2.9	2.46	2.21	2.42	2.82	2.97	3.19	3.42	3.09	2.81	2.65	2.05	2.38	- -	- -
Days Sales Outstanding	125.89	148.5	164.84	150.93	129.36	122.74	114.34	106.78	118.02	129.84	137.64	178.41	153.32	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	424	507	744	812	827	1,400	1,216	1,128	1,364	1,038	1,218	1,112	859	964	1,034
- Cash & Cash Equivalents	50	119	83	56	58	64	84	80	138	388	63	78	80	134	133
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	1	1	1	1	1	1	1	1	1	1	1	1	1	- -	- -
+ Total Debt	211	156	369	394	574	922	1,088	1,093	675	278	124	291	602	790	564
Enterprise Value	-557	-848	-324	-251	-42	831	830	809	604	-698	-765	-269	-34	821	490
Total Capital	310	267	509	562	774	1,156	1,356	1,415	1,049	700	602	821	1,106	1,329	1,228
Total Debt/Capital (%)	68.08	58.22	72.47	70.09	74.12	79.83	80.24	77.22	64.39	39.77	20.59	35.49	54.42	59.47	45.96
Total Debt / EV	-0.38	-0.18	-1.14	-1.57	-13.81	1.11	1.31	1.35	1.12	-0.4	-0.16	-1.08	-17.65	0.96	1.15
EV/Sales	- -	- -	- -	- -	- -	3.36	3.11	2.86	2.14	- -	- -	- -	- -	2.78	1.93
EV/EBITDA	- -	- -	- -	- -	- -	93.16	81.36	71.47	51.55	- -	- -	- -	- -	78.42	56.87
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	9.14	9.64	7.55	5.94	- -	- -	- -	- -	8.65	12.61
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	7.76	6.84	6.46	5.61	- -	- -	- -	- -	8.12	10.7
Diluted Market Cap	425	509	749	818	835	1,412	1,226	1,135	1,370	1,041	1,224	1,117	861	968	1,040
Diluted Enterprise Value	588	547	1,036	1,157	1,352	2,272	2,232	2,149	1,909	932	1,287	1,332	1,385	1,624	1,471
EV per Share	- -	- -	- -	- -	- -	56.09	55.51	53.82	40.52	- -	- -	- -	- -	57.78	34.38
TTM Sales	157	187	228	232	238	247	267	283	283	296	299	304	216	295	254
TTM EBITDA	5	7	8	8	8	9	10	11	12	12	12	12	12	10	9
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	72	62	84	78	83	91	86	107	102	101	121	103	89	95	39
TTM Free Cash Flow to Firm	75	69	90	87	89	107	121	125	108	106	126	112	96	101	46

Multiples (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	5.64	7.39	8.3	9.44	9.36	13.18	10.1	9.06	12.73	9.82	9.72	10.02	8.99	9.57	22.7
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-557	-848	-324	-251	-42	831	830	809	604	-698	-765	-269	-34	821	490
Low Price	33.37	35.82	39.52	43.51	49.05	50.54	71.27	69.02	71.54	53.32	66.83	68.5	46.85	43.09	54.16
EV/Sales	- -	- -	- -	- -	- -	3.36	3.11	2.86	2.14	- -	- -	- -	- -	2.78	1.93
EV/EBITDA	- -	- -	- -	- -	- -	93.16	81.36	71.47	51.55	- -	- -	- -	- -	78.42	56.87
Price/Earnings	11.96	16.21	14.63	15.6	14.16	23.6	23.17	13.71	16.69	13.38	13.64	13.07	90.33	13.61	6.42
Price/Earnings Average	12.18	16.06	12.62	13.44	13.64	17.36	23.57	14.87	14.76	13.01	13.01	13.02	89.76	11.22	5.83
Price/Earnings High	13.17	17.64	14.8	16.13	16	24.14	27.34	16.81	16.77	17.75	15.15	14.56	119.2	15.86	6.84
Price/Earnings Low	10.37	14.65	11.25	12.27	12.37	12.62	20.3	12.61	13.05	10.1	10.91	11.54	70.26	8.65	4.79
Price/Book Value	4.34	4.61	5.37	4.87	4.16	6.04	4.56	3.52	3.67	2.47	2.55	2.1	1.71	1.79	1.56
Price/Book Value Average	4.42	4.56	4.63	4.2	4.01	4.45	4.64	3.81	3.24	2.4	2.44	2.1	1.7	1.48	1.42
Price/Book Value High	4.78	5.01	5.43	5.04	4.7	6.18	5.38	4.31	3.68	3.28	2.84	2.34	2.25	2.09	1.66
Price/Book Value Low	3.76	4.16	4.13	3.83	3.63	3.23	4	3.23	2.87	1.87	2.04	1.86	1.33	1.14	1.16
Price/Tangible Book Value	1.69	1.54	2.13	2.12	2.01	3.14	2.56	2.17	2.42	1.67	1.92	2.13	1.49	1.56	1.2
Price/Tangible Book Value Average	1.72	1.52	1.84	1.83	1.93	2.31	2.61	2.35	2.14	1.63	1.84	2.12	1.48	1.28	1.09
Price/Tangible Book Value High	1.86	1.67	2.15	2.19	2.27	3.22	3.02	2.66	2.43	2.22	2.14	2.37	1.97	1.82	1.28
Price/Tangible Book Value Low	1.46	1.39	1.64	1.67	1.75	1.68	2.24	1.99	1.89	1.26	1.54	1.88	1.16	0.99	0.89
Price/Sales	2.69	2.72	3.27	3.5	3.48	5.67	4.55	3.99	4.82	3.51	4.07	3.66	3.98	3.27	4.07
Price/Sales Average	2.74	2.69	2.82	3.02	3.35	4.17	4.63	4.33	4.26	3.41	3.88	3.65	3.96	2.69	3.7
Price/Sales High	2.96	2.96	3.31	3.62	3.93	5.8	5.37	4.89	4.85	4.65	4.52	4.08	5.26	3.81	4.34
Price/Sales Low	2.33	2.46	2.51	2.75	3.04	3.03	3.99	3.67	3.77	2.65	3.26	3.23	3.1	2.08	3.04
Price/Cash Flow	5.89	8.21	8.89	10.46	9.99	15.41	14.13	10.52	13.42	10.24	10.05	10.76	9.65	10.16	26.59
Price/Cash Flow Average	5.99	8.13	7.67	9.01	9.62	11.34	14.37	11.41	11.87	9.96	9.59	10.71	9.59	8.37	24.16
Price/Cash Flow High	6.48	8.93	8.99	10.81	11.29	15.76	16.68	12.9	13.49	13.58	11.16	11.98	12.73	11.83	28.36
Price/Cash Flow Low	5.1	7.42	6.84	8.23	8.72	8.24	12.38	9.68	10.5	7.73	8.03	9.5	7.5	6.45	19.86
Price/Free Cash Flow Average	5.75	7.32	7.16	8.13	9.02	9.7	10.28	9.83	11.25	9.56	9.28	9.98	8.94	7.88	20.63
Price/Free Cash Flow High	6.21	8.04	8.4	9.76	10.58	13.48	11.92	11.11	12.79	13.03	10.8	11.16	11.87	11.14	24.21
Price/Free Cash Flow Low	4.89	6.68	6.38	7.43	8.18	7.05	8.85	8.33	9.95	7.42	7.77	8.85	7	6.08	16.96
EV/Sales Average	3.78	2.9	4.08	4.48	5.53	7.65	8.4	7.91	6.17	3.04	4.09	4.35	6.39	4.91	5.39
EV/Sales High	4	3.16	4.57	5.08	6.11	9.28	9.14	8.47	6.75	4.29	4.73	4.78	7.69	6.03	6.04
EV/Sales Low	3.37	2.66	3.78	4.22	5.21	6.51	7.75	7.25	5.67	2.28	3.46	3.94	5.53	4.3	4.74
EV/EBITDA Average	111.18	82.01	117.55	133.05	154.91	211.92	219.85	197.63	148.87	77.15	105.81	114.38	117.37	138.48	159.07
EV/EBITDA High	117.71	89.53	131.61	150.99	171.2	257.02	239.27	211.69	162.92	108.62	122.27	125.74	141.22	169.85	178
EV/EBITDA Low	99.15	75.33	108.75	125.28	146.14	180.36	203.03	181.19	136.98	57.82	89.56	103.52	101.58	121.1	139.67
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	38.51	39.64	51.39	55.3	56.16	94.54	81.35	75.01	91.5	70.6	83.58	77.58	60.23	67.83	72.52
High Price	42.39	43.13	52	57.18	63.48	96.7	96	91.99	91.93	93.66	92.8	86.42	79.48	79.01	77.33
Enterprise Value Average	594	540	929	1,038	1,314	1,890	2,243	2,238	1,744	901	1,224	1,322	1,377	1,451	1,371
Enterprise Value High	629	590	1,040	1,178	1,452	2,292	2,441	2,397	1,909	1,268	1,414	1,453	1,657	1,779	1,534
Enterprise Value Low	530	496	859	978	1,239	1,609	2,071	2,052	1,605	675	1,036	1,196	1,192	1,269	1,204

Shares Outstanding	11	14	15	15	15	15	15	15	15	15	15	14	14	14	14
Diluted Weighted Avg Shares	11	13	15	15	15	15	15	15	15	15	15	14	14	14	14
Basic Weighted Avg Shares	11	13	14	15	15	15	15	15	15	15	15	14	14	14	14
Revenue per Share	14.3	14.58	15.72	15.8	16.14	16.67	17.86	18.82	18.97	20.13	20.53	21.2	15.12	20.76	17.83
EBITDA per Share	0.49	0.51	0.55	0.53	0.58	0.6	0.68	0.75	0.79	0.79	0.79	0.81	0.82	0.74	0.6
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	3.22	2.44	3.51	3.55	3.97	4.01	3.51	5.47	5.48	5.28	6.13	5.93	0.67	4.98	11.3
Basic EPS from Cont Ops	3.23	2.45	3.52	3.55	3.98	4.01	3.52	5.48	5.49	5.29	6.14	5.94	0.68	4.99	11.3
Diluted EPS, GAAP	3.21	2.44	3.49	3.52	3.93	3.97	3.48	5.44	5.46	5.26	6.09	5.9	0.66	4.97	11.24
Diluted EPS from Cont Ops	3.22	2.45	3.5	3.53	3.94	3.98	3.49	5.45	5.47	5.27	6.1	5.91	0.67	4.97	11.24
Dividend per Share	1.4	1.49	1.55	1.63	1.73	1.8	1.85	1.97	2.06	2.13	2.22	2.34	2.42	2.47	2.53
Cash Flow per Share	6.54	4.83	5.78	5.29	5.62	6.13	5.76	7.13	6.82	6.9	8.32	7.21	6.24	6.68	2.73
Free Cash Flow per Basic Share	6.24	4.27	5.33	4.67	5.19	5.04	3.4	5.93	6.41	6.59	7.99	6.64	5.77	6.24	2.24
Cash & Equivalents per Share	108.44	118.17	99.3	99.36	98.04	100.83	98.74	93.96	96.37	137.09	144.67	116.75	104.96	65.63	77.74
Book Value per Share	8.87	8.61	9.57	11.35	13.51	15.64	17.83	21.34	24.95	28.56	32.72	36.86	35.28	37.88	46.56
Tangible Book Value per Share	22.83	25.82	24.14	26.07	27.99	30.07	31.75	34.64	37.86	42.19	43.44	36.44	40.34	43.51	60.62

Tompkins Financial Corporation

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)