Tompkins Financial Corpor... (TMP)
Tompkins Financial Statistics
Share Statistics
Tompkins Financial has 14.43M shares outstanding. The number of shares has increased by 0.21% in one year.
| Shares Outstanding | 14.43M |
| Shares Change (YoY) | 0.21% |
| Shares Change (QoQ) | 0.28% |
| Owned by Institutions (%) | 66.87% |
| Shares Floating | 13.08M |
| Failed to Deliver (FTD) Shares | 456 |
| FTD / Avg. Volume | 0.78% |
Short Selling Information
The latest short interest is 74.16K, so 0.52% of the outstanding shares have been sold short.
| Short Interest | 74.16K |
| Short % of Shares Out | 0.52% |
| Short % of Float | 0.57% |
| Short Ratio (days to cover) | 1.23 |
Valuation Ratios
The PE ratio is 13.61 and the forward PE ratio is 12.85. Tompkins Financial's PEG ratio is 0.02.
| PE Ratio | 13.61 |
| Forward PE | 12.85 |
| PS Ratio | 3.27 |
| Forward PS | 2.4 |
| PB Ratio | 1.35 |
| P/FCF Ratio | 10.16 |
| PEG Ratio | 0.02 |
Enterprise Valuation
Tompkins Financial has an Enterprise Value (EV) of 1.62B.
| EV / Sales | 5.49 |
| EV / EBITDA | 0 |
| EV / EBIT | 17.06 |
| EV / FCF | 17.06 |
Financial Position
The company has a current ratio of 5.2, with a Debt / Equity ratio of 1.11.
| Current Ratio | 5.2 |
| Quick Ratio | 5.2 |
| Debt / Equity | 1.11 |
| Debt / EBITDA | - |
| Debt / FCF | 8.32 |
| Interest Coverage | 0.52 |
Financial Efficiency
Return on Equity is 9.93% and Return on Invested Capital is 3.72%.
| Return on Equity | 9.93% |
| Return on Assets | 0.87% |
| Return on Invested Capital | 3.72% |
| Revenue Per Employee | $313.68K |
| Profits Per Employee | $75.29K |
| Employee Count | 941 |
| Asset Turnover | 0.04 |
| Inventory Turnover | n/a |
Taxes
| Income Tax | 22M |
| Effective Tax Rate | 23.67% |
Stock Price Statistics
The stock price has increased by 23.06% in the last 52 weeks. The beta is 0.73, so Tompkins Financial's price volatility has been higher than the market average.
| Beta | 0.73 |
| 52-Week Price Change | 23.06% |
| 50-Day Moving Average | 66.81 |
| 200-Day Moving Average | 63.51 |
| Relative Strength Index (RSI) | 25.6 |
| Average Volume (20 Days) | 58.42K |
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 | 295.18M |
| Gross Profit | 295.18M |
| Operating Income | 71.06M |
| Net Income | 70.85M |
| EBITDA | 0 |
| EBIT | -10.47M |
| Earnings Per Share (EPS) | 4.98 |
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 | 134.4M |
| Total Debt | 790.25M |
| Net Cash | -655.85M |
| Retained Earnings | 537.16M |
| Total Assets | 8.11B |
| Working Capital | 1.37B |
Cash Flow
In the last 12 months, operating cash flow was 94.97M and capital expenditures 0, giving a free cash flow of 94.97M.
| Operating Cash Flow | 94.97M |
| Capital Expenditures | 0 |
| Free Cash Flow | 94.97M |
| FCF Per Share | 6.68 |
Margins
Gross margin is 100%, with operating and profit margins of 24.07% and 24%.
| Gross Margin | 100% |
| Operating Margin | 24.07% |
| Pretax Margin | 31.5% |
| Profit Margin | 24% |
| EBITDA Margin | n/a |
| EBIT Margin | 24.07% |
| FCF Margin | 32.17% |
Dividends & Yields
TMP pays an annual dividend of $2.46, which amounts to a dividend yield of 3.53%.
| Dividend Per Share | $2.46 |
| Dividend Yield | 3.53% |
| Dividend Growth (YoY) | 3.33% |
| Payout Ratio | 49.5% |
| Earnings Yield | 7.35% |
| FCF Yield | 9.85% |
Analyst Forecast
The average price target for TMP is $69, which is 18.2% higher than the current price. The consensus rating is "Hold".
| Price Target | $69 |
| Price Target Difference | 18.2% |
| Analyst Consensus | Hold |
| Analyst Count | 2 |
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 | Feb 3, 2010 |
| Split Type | forward |
| Split Ratio | 11:10 |
Scores
| Altman Z-Score | 0.43 |
| Piotroski F-Score | 5 |