TMP Valuation

Tompkins Financial Corp

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65.490

-0.12(-0.183%)1D

Overview
Forecast
Valuation
Earnings

TMP Relative Valuation

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. If the market price exceeds this fair value range, TMP is overvalued; if below, it's undervalued.

Historical Valuation

Tompkins Financial Corp (TMP) is now in the Undervalued zone, suggesting that its current forward PE ratio of 10.08 is considered Undervalued compared with the five-year average of 12.83. The fair price of Tompkins Financial Corp (TMP) is between 72.44 to 88.53 according to relative valuation methord. Compared to the current price of 65.61 USD , Tompkins Financial Corp is Undervalued By 9.43%.

Relative Value

Fair Zone

72.44-88.53

Current Price：65.61

9.43%

Undervalued

10.08

Trailing

Forward

0.00

EV/EBITDA

Tompkins Financial Corp. (TMP) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

NaN

EV/EBIT

Tompkins Financial Corp. (TMP) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.

2.78

Tompkins Financial Corp. (TMP) has a current PS of 2.78. The 5-year average PS is 3.22. The thresholds are as follows: Strongly Undervalued below 2.07, Undervalued between 2.07 and 2.64, Fairly Valued between 3.79 and 2.64, Overvalued between 3.79 and 4.36, and Strongly Overvalued above 4.36. The current Forward PS of 2.78 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/OCF

Tompkins Financial Corp. (TMP) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Tompkins Financial Corp. (TMP) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Tompkins Financial Corp (TMP) has a current Price-to-Book (P/B) ratio of 1.24. Compared to its 3-year average P/B ratio of 1.35 , the current P/B ratio is approximately -8.35% higher. Relative to its 5-year average P/B ratio of 1.44, the current P/B ratio is about -14.31% higher. Tompkins Financial Corp (TMP) has a Forward Free Cash Flow (FCF) yield of approximately 8.28%. Compared to its 3-year average FCF yield of 9.85%, the current FCF yield is approximately -15.99% lower. Relative to its 5-year average FCF yield of 9.71% , the current FCF yield is about -14.77% lower.

1.24

P/B

Median3y

1.35

Median5y

1.44

8.28

FCF Yield

Median3y

9.85

Median5y

9.71

Competitors Valuation Multiple

The average P/S ratio for TMP's competitors is 2.94, providing a benchmark for relative valuation. Tompkins Financial Corp Corp (TMP) exhibits a P/S ratio of 2.78, which is -5.69% above the industry average. Given its robust revenue growth of 13.14%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

TMP.A

Tompkins Financial Corp

Southside Bancshares Inc

First Mid Bancshares Inc

Burke & Herbert Financial Services Corp

Amalgamated Financial Corp

2.57

0.58%

867.44M

Performance Decomposition

Market capitalization of TMP increased by 9.05% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 22.32 to 26.96.

The secondary factor is the Revenue Growth, contributed 13.14%to the performance.

Overall, the performance of TMP in the past 1 year is driven by Margin Expansion. Which is more sustainable.

13.14%

70.39M → 79.64M

Revenue Growth

20.79%

22.32 → 26.96

Margin Expansion

-24.88%

15.74 → 11.82

P/E Change

9.05%