Shares Outstanding Shares Outstanding n/a Close	14.43M
Shares Change (YoY) Shares Change (YoY) n/a Close	0.21%
Shares Change (QoQ) Shares Change (QoQ) n/a Close	0.28%
Owned by Institutions (%) Owned by Institutions (%) n/a Close	66.84%
Shares Floating Shares Floating n/a Close	13.11M
Failed to Deliver (FTD) Shares Failed to Deliver (FTD) Shares n/a Close	172
FTD / Avg. Volume FTD / Avg. Volume n/a Close	0.35%

Short Selling Information

The latest short interest is 138.94K, so 0.96% of the outstanding shares have been sold short.

Short Interest Short Interest n/a Close	138.94K
Short % of Shares Out Short % of Shares Out n/a Close	0.96%
Short % of Float Short % of Float n/a Close	1.16%
Short Ratio (days to cover) Short Ratio (days to cover) n/a Close	3.39

Valuation Ratios

The PE ratio is 13.61 and the forward PE ratio is 9.52. Tompkins Financial's PEG ratio is 0.02.

PE Ratio PE Ratio n/a Close	13.61
Forward PE Forward PE n/a Close	9.52
PS Ratio PS Ratio n/a Close	3.27
Forward PS Forward PS n/a Close	2.5
PB Ratio PB Ratio n/a Close	1.35
P/FCF Ratio P/FCF Ratio n/a Close	10.87
PEG Ratio PEG Ratio n/a Close	0.02

Financial Ratio History

Enterprise Valuation

Tompkins Financial has an Enterprise Value (EV) of 1.62B.

EV / Sales EV / Sales n/a Close	5.49
EV / EBITDA EV / EBITDA n/a Close	0
EV / EBIT EV / EBIT n/a Close	17.06
EV / FCF EV / FCF n/a Close	18.26

Financial Position

The company has a current ratio of 5.2, with a Debt / Equity ratio of 1.11.

Current Ratio Current Ratio n/a Close	5.2
Quick Ratio Quick Ratio n/a Close	5.2
Debt / Equity Debt / Equity n/a Close	1.11
Debt / EBITDA Debt / EBITDA n/a Close	n/a
Debt / FCF Debt / FCF n/a Close	8.9
Interest Coverage Interest Coverage n/a Close	0.52

Financial Efficiency

Return on Equity is 9.93% and Return on Invested Capital is 3.72%.

Return on Equity Return on Equity n/a Close	9.93%
Return on Assets Return on Assets n/a Close	0.87%
Return on Invested Capital Return on Invested Capital n/a Close	3.72%
Revenue Per Employee Revenue Per Employee n/a Close	$313,683.32
Profits Per Employee Profits Per Employee n/a Close	$75,292.24
Employee Count Employee Count n/a Close	941
Asset Turnover Asset Turnover n/a Close	0.04
Inventory Turnover Inventory Turnover n/a Close	n/a

Taxes

Income Tax Income Tax n/a Close	22M
Effective Tax Rate Effective Tax Rate n/a Close	23.67%

Stock Price Statistics

The stock price has increased by 35.11% in the last 52 weeks. The beta is 0.88, so Tompkins Financial's price volatility has been higher than the market average.

Beta Beta n/a Close	0.88
52-Week Price Change 52-Week Price Change n/a Close	35.11%
50-Day Moving Average 50-Day Moving Average n/a Close	60.68
200-Day Moving Average 200-Day Moving Average n/a Close	65.08
Relative Strength Index (RSI) Relative Strength Index (RSI) n/a Close	45.41
Average Volume (20 Days) Average Volume (20 Days) n/a Close	49,233

Income Statement

In the last 12 months, Tompkins Financial had revenue of 295.18M and earned 70.85M in profits. Earnings per share was 4.98.

Revenue Revenue n/a Close	295.18M
Gross Profit Gross Profit n/a Close	295.18M
Operating Income Operating Income n/a Close	71.06M
Net Income Net Income n/a Close	70.85M
EBITDA EBITDA n/a Close	n/a
EBIT EBIT n/a Close	-10.47M
Earnings Per Share (EPS) Earnings Per Share (EPS) n/a Close	4.98

Full Income Statement

Balance Sheet

The company has 134.4M in cash and 790.25M in debt, giving a net cash position of -655.85M.

Cash & Cash Equivalents Cash & Cash Equivalents n/a Close	134.4M
Total Debt Total Debt n/a Close	790.25M
Net Cash Net Cash n/a Close	-655.85M
Retained Earnings Retained Earnings n/a Close	537.16M
Total Assets Total Assets n/a Close	8.2B
Working Capital Working Capital n/a Close	n/a

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 94.97M and capital expenditures 0, giving a free cash flow of 88.76M.

Operating Cash Flow Operating Cash Flow n/a Close	94.97M
Capital Expenditures Capital Expenditures n/a Close	n/a
Free Cash Flow Free Cash Flow n/a Close	88.76M
FCF Per Share FCF Per Share n/a Close	6.24

Full Cash Flow Statement

Margins

Gross margin is 100%, with operating and profit margins of 24.07% and 24%.

Gross Margin Gross Margin n/a Close	100%
Operating Margin Operating Margin n/a Close	24.07%
Pretax Margin Pretax Margin n/a Close	31.5%
Profit Margin Profit Margin n/a Close	24%
EBITDA Margin EBITDA Margin n/a Close	n/a
EBIT Margin EBIT Margin n/a Close	24.07%
FCF Margin FCF Margin n/a Close	30.07%

Dividends & Yields

TMP pays an annual dividend of $3.08, which amounts to a dividend yield of 3.99%.

Dividend Per Share Dividend Per Share n/a Close	$3.08
Dividend Yield Dividend Yield n/a Close	3.99%
Dividend Growth (YoY) Dividend Growth (YoY) n/a Close	3.33%
Payout Ratio Payout Ratio n/a Close	59.69%
Earnings Yield Earnings Yield n/a Close	7.35%
FCF Yield FCF Yield n/a Close	9.2%

Dividend Details

Analyst Forecast

The average price target for TMP is $69, which is 13.7% higher than the current price. The consensus rating is "Hold".

Price Target Price Target n/a Close	$69
Price Target Difference Price Target Difference n/a Close	13.7%
Analyst Consensus Analyst Consensus n/a Close	Hold
Analyst Count Analyst Count n/a Close	2

Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value Lynch Fair Value n/a Close	$24.9
Lynch Upside Lynch Upside n/a Close	-58.97%
Graham Number Graham Number n/a Close	75.01
Graham Upside Graham Upside n/a Close	23.6%

Stock Splits

The last stock split was on Feb 3, 2010. It was a forward split with a ratio of 11:10.

Last Split Date Last Split Date n/a Close	Feb 3, 2010
Split Type Split Type n/a Close	forward
Split Ratio Split Ratio n/a Close	11:10

Scores

Altman Z-Score Altman Z-Score n/a Close	0.24
Piotroski F-Score Piotroski F-Score n/a Close	6