Tompkins Financial Corporation
New York Stock Exchange AmericanTotal Valuation
Tompkins Financial Corporation carries a market capitalization of 1.35B, placing it among publicly traded companies globally. Its enterprise value stands at 411.58M, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.
| Market Cap | 1.35B |
| Enterprise Value | 411.58M |
Share Statistics
Tompkins Financial Corporation currently has 14.39M shares outstanding.
| Shares Outstanding | 14.39M |
| Owned by Insiders (%) | N/A |
| Owned by Institutions (%) | N/A |
Valuation Ratios
Tompkins Financial Corporation trades at a trailing price-to-earnings ratio of 6.71. The price-to-sales ratio is 4.39, and the price-to-book ratio stands at 1.65.
| PE Ratio | 6.71 |
| PS Ratio | 4.39 |
| PB Ratio | 1.65 |
| P/TBV Ratio | 1.29 |
| P/FCF Ratio | 11.54 |
| P/OCF Ratio | 12.48 |
Enterprise Valuation
On an enterprise value basis, Tompkins Financial Corporation trades at an EV/EBITDA multiple of 47.61 and an EV/FCF ratio of 4.20.
| EV / Sales | 1.61 |
| EV / EBITDA | 47.61 |
| EV / EBIT | N/A |
| EV / FCF | 4.20 |
Financial Position
| Current Ratio | N/A |
| Quick Ratio | N/A |
| Debt / Equity | 47.47 |
| Debt / EBITDA | 51.99 |
| Interest Coverage | N/A |
Financial Efficiency
| Return on Equity (ROE) | 27.24 |
| Return on Assets (ROA) | 1.98 |
| Return on Invested Capital (ROIC) | N/A |
| Return on Capital Employed (ROCE) | N/A |
| Revenue Per Employee | N/A |
| Employee Count | N/A |
| Inventory Turnover | N/A |
Taxes
Over the trailing twelve months, Tompkins Financial Corporation has paid 66.06M in income taxes, reflecting an effective tax rate of 28.29.
| Income Tax | 66.06M |
| Effective Tax Rate | 28.29 |
Stock Price Statistics
Tompkins Financial Corporation's stock has gained approximately 41.90433% over the past 52 weeks. The 50-day moving average sits at 87.29, while the 200-day moving average is 77.07.
| Beta (5Y) | N/A |
| 52-Week Price Change | 41.90433% |
| 50-Day Moving Average | 87.29 |
| 200-Day Moving Average | 77.07 |
| Average Volume (20 Days) | N/A |
Income Statement
Over the trailing twelve months, Tompkins Financial Corporation generated 256.08M in revenue and converted that into 167.47M in net income, yielding earnings per share of 11.68.
| Revenue | 256.08M |
| Gross Profit | N/A |
| Operating Income | N/A |
| Pretax Income | 233.52M |
| Net Income | 167.47M |
| EBITDA | 8.65M |
| EBIT | N/A |
| Earnings Per Share (EPS) | 11.68 |
Balance Sheet
Tompkins Financial Corporation holds 1.16B in cash and equivalents against 449.45M in total debt, resulting in a net debt position of 278.00M.
| Cash & Cash Equivalents | 1.16B |
| Total Debt | 449.45M |
| Net Debt | 278.00M |
| Equity (Book Value) | 680.02M |
| Book Value Per Share | 47.71 |
| Working Capital | N/A |
Cash Flow
Tompkins Financial Corporation produced 90.08M in operating cash flow over the past twelve months. After subtracting -7.90M in capital expenditures, free cash flow totaled 82.18M - equivalent to 5.77 per share.
| Operating Cash Flow | 90.08M |
| Capital Expenditures | -7.90M |
| Free Cash Flow | 82.18M |
| FCF Per Share | 5.77 |
Margins
Tompkins Financial Corporation operates with a gross margin of 100.00, reflecting its pricing power and cost economics.
| Gross Margin | 100.00 |
| Operating Margin | N/A |
| Pretax Margin | 91.19 |
| Profit Margin | 65.40 |
| EBITDA Margin | 3.38 |
Dividends & Yields
The company's payout ratio of 21.98 indicates the proportion of earnings distributed to shareholders.
| Dividend Per Share | 2.58 |
| Dividend Yield | N/A |
| Payout Ratio | 21.98 |
| Shareholder Yield | -18.79 |
| FCF Yield | 8.66 |
Stock Splits
Tompkins Financial Corporation's most recent stock split took place on February 3, 2010 with a 10:11 split ratio.
| Last Split Date | 2/3/2010 |
| Split Ratio | 10:11 |
Scores
Tompkins Financial Corporation posts an Altman Z-Score of 0.23, below the 3.0 threshold that indicates strong financial health and minimal bankruptcy risk.
| Altman Z-Score | 0.23 |