Historical Valuation
Tompkins Financial Corp (TMP) is now in the Undervalued zone, suggesting that its current forward PE ratio of 10.18 is considered Undervalued compared with the five-year average of 12.60. The fair price of Tompkins Financial Corp (TMP) is between 78.40 to 98.25 according to relative valuation methord. Compared to the current price of 74.05 USD , Tompkins Financial Corp is Undervalued By 5.55%.
Relative Value
Fair Zone
78.40-98.25
Current Price：74.05
5.55%
Undervalued
P/E
EV/EBITDA
EV/EBIT
P/S
P/OCF
P/FCF
1Y
3Y
5Y
Trailing
Forward
Tompkins Financial Corp (TMP) has a current Price-to-Book (P/B) ratio of 1.32. Compared to its 3-year average P/B ratio of 1.26 , the current P/B ratio is approximately 4.44% higher. Relative to its 5-year average P/B ratio of 1.44, the current P/B ratio is about -8.24% higher. Tompkins Financial Corp (TMP) has a Forward Free Cash Flow (FCF) yield of approximately 9.05%. Compared to its 3-year average FCF yield of 9.90%, the current FCF yield is approximately -8.60% lower. Relative to its 5-year average FCF yield of 9.76% , the current FCF yield is about -7.25% lower.
P/B
Median3y
1.26
Median5y
1.44
FCF Yield
Median3y
9.90
Median5y
9.76
Competitors Valuation Multiple
AI Analysis for TMP
The average P/S ratio for TMP competitors is 2.72, providing a benchmark for relative valuation. Tompkins Financial Corp Corp (TMP.A) exhibits a P/S ratio of 2.66, which is -2.11% above the industry average. Given its robust revenue growth of 14.28%, this premium appears unsustainable.
Performance Decomposition
AI Analysis for TMP
1Y
3Y
5Y
Market capitalization of TMP increased by 0.00% over the past 1 year. The primary factor behind the change was an decrease in Unknown from 0.00 to 0.00.
The secondary factor is the Unknown, contributed 0.00%to the performance.
Overall, the performance of TMP in the past 1 year is driven by Unknown.
People Also Watch
Frequently Asked Questions
Is TMP currently overvalued or undervalued?
Tompkins Financial Corp (TMP) is now in the Undervalued zone, suggesting that its current forward PE ratio of 10.18 is considered Undervalued compared with the five-year average of 12.60. The fair price of Tompkins Financial Corp (TMP) is between 78.40 to 98.25 according to relative valuation methord. Compared to the current price of 74.05 USD , Tompkins Financial Corp is Undervalued By 5.55% .
What is Tompkins Financial Corp (TMP) fair value?
TMP's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average , adjusted by weights. The fair price of Tompkins Financial Corp (TMP) is between 78.40 to 98.25 according to relative valuation methord.
How does TMP's valuation metrics compare to the industry average?
The average P/S ratio for TMP's competitors is 2.72, providing a benchmark for relative valuation. Tompkins Financial Corp Corp (TMP) exhibits a P/S ratio of 2.66, which is -2.11% above the industry average. Given its robust revenue growth of 14.28%, this premium appears unsustainable.
What is the current P/B ratio for Tompkins Financial Corp (TMP) as of Jan 10 2026?
As of Jan 10 2026, Tompkins Financial Corp (TMP) has a P/B ratio of 1.32. This indicates that the market values TMP at 1.32 times its book value.
What is the current FCF Yield for Tompkins Financial Corp (TMP) as of Jan 10 2026?
As of Jan 10 2026, Tompkins Financial Corp (TMP) has a FCF Yield of 9.05%. This means that for every dollar of Tompkins Financial Corp’s market capitalization, the company generates 9.05 cents in free cash flow.
What is the current Forward P/E ratio for Tompkins Financial Corp (TMP) as of Jan 10 2026?
As of Jan 10 2026, Tompkins Financial Corp (TMP) has a Forward P/E ratio of 10.18. This means the market is willing to pay $10.18 for every dollar of Tompkins Financial Corp’s expected earnings over the next 12 months.
What is the current Forward P/S ratio for Tompkins Financial Corp (TMP) as of Jan 10 2026?
As of Jan 10 2026, Tompkins Financial Corp (TMP) has a Forward P/S ratio of 2.66. This means the market is valuing TMP at $2.66 for every dollar of expected revenue over the next 12 months.