Tompkins Financial Corporation (TMP) Key Metrics
TMP valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $1.40B
- Enterprise value
- $1.98B
- P/E (TTM)
- 8.0 10-yr median 13.8
- Forward P/E
- 12.9
- PEG ratio
- 1.61
- Price / sales
- 3.1 10-yr median 3.5
- Price / book
- 1.4 10-yr median 1.7
- EV / EBITDA
- — 10-yr median 7.4
- Dividend yield
- 2.87% $2.80 a year
- Beta
- 0.74
TMP key metrics, 2016–2025
Fiscal year ended December 31, 2025 · U.S. dollarsTMP valuation Price multiples at each fiscal year-end price.
TMP returns How much profit the business earns on the capital it uses.
TMP per-share figures Results divided by the shares outstanding at year-end.
TMP financial health Debt, liquidity and how easily interest is covered.
TMP efficiency & capital use Working capital cycle and where the cash goes.
TMP valuation history
TMP returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
TMP debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
TMP cash returned to shareholders
TMP price vs earnings per share
TMP key metrics
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $1.04B | $967.8M | $861.4M | $1.12B | $1.22B | $1.04B | $1.37B | $1.14B | $1.23B | $1.41B |
| Enterprise value | $591.6M | $392.1M | $18.3M | −$207.7M | −$745.3M | −$600.8M | $847.8M | $1.46B | $1.50B | $1.63B |
| P/E ratio | 6.5 | 13.7 | 90.6 | 13.1 | 13.7 | 13.4 | 16.8 | 13.8 | 23.4 | 23.8 |
| Price / sales | 1.8 | 2.2 | 2.9 | 3.4 | 3.9 | 3.2 | 4.1 | 3.5 | 4.2 | 5.2 |
| Price / book | 1.1 | 1.4 | 1.3 | 1.8 | 1.7 | 0.1 | 2.1 | 1.8 | 2.1 | 2.6 |
| Price / free cash flow | 32.5 | 10.9 | 10.5 | 11.7 | 10.5 | 10.7 | 14.3 | 12.7 | 24.1 | 18.9 |
| Price / operating cash flow | 26.7 | 10.2 | 9.7 | 10.8 | 10.1 | 10.3 | 13.5 | 10.6 | 14.2 | 15.5 |
| EV / sales | 1.0 | 0.9 | 0.1 | -0.6 | -2.4 | -1.8 | 2.5 | 4.5 | 5.1 | 6.1 |
| EV / EBITDA | 2.5 | 3.8 | 1.5 | — | — | — | 7.4 | 12.7 | 14.2 | 17.1 |
| EV / free cash flow | 18.5 | 4.4 | 0.2 | — | — | — | 8.9 | 16.4 | 29.6 | 21.8 |
| Earnings yield | 15.5% | 7.3% | 1.1% | 7.6% | 7.3% | 7.5% | 6.0% | 7.3% | 4.3% | 4.2% |
| Free cash flow yield | 3.1% | 9.2% | 9.5% | 8.5% | 9.5% | 9.3% | 7.0% | 7.9% | 4.1% | 5.3% |
| Dividend yield | 3.5% | 3.6% | 4.0% | 3.0% | 2.6% | 3.0% | 2.2% | 2.6% | 2.3% | 1.9% |
| Shareholder yield (dividends + buybacks) | 3.7% | 3.7% | 5.2% | 4.4% | 4.6% | 3.9% | 4.4% | 2.8% | 2.4% | 2.0% |
| Share price at fiscal year-end | $72.52 | $67.83 | $60.23 | $77.58 | $83.58 | $70.60 | $91.50 | $75.01 | $81.35 | $94.54 |
| Per share | ||||||||||
| Revenue per share | $40.39 | $30.25 | $20.79 | $22.54 | $21.62 | $22.04 | $22.28 | $21.33 | $19.41 | $18.01 |
| Earnings per share | $11.24 | $4.97 | $0.66 | $5.90 | $6.09 | $5.26 | $5.46 | $5.44 | $3.48 | $3.97 |
| Operating cash flow per share | $2.71 | $6.66 | $6.22 | $7.17 | $8.27 | $6.88 | $6.79 | $7.09 | $5.71 | $6.08 |
| Free cash flow per share | $2.23 | $6.22 | $5.75 | $6.61 | $7.95 | $6.57 | $6.38 | $5.89 | $3.37 | $5.01 |
| Cash per share | $77.30 | $95.73 | $104.62 | $116.13 | $143.88 | $136.73 | $95.94 | $93.38 | $97.99 | $99.99 |
| Book value per share | $65.46 | $50.00 | $46.75 | $42.76 | $49.76 | $498.16 | $44.28 | $41.03 | $38.23 | $36.78 |
| Tangible book value per share | $60.27 | $43.36 | $40.11 | $36.15 | $43.20 | $491.56 | $37.69 | $34.43 | $31.49 | $29.82 |
| Dividends per share | $2.52 | $2.46 | $2.41 | $2.33 | $2.21 | $2.13 | $2.05 | $1.96 | $1.83 | $1.78 |
| Capex per share | $0.48 | $0.44 | $0.47 | $0.57 | $0.32 | $0.31 | $0.40 | $1.20 | $2.34 | $1.07 |
| Debt per share | $46.04 | $55.38 | $45.67 | $24.13 | $9.42 | $25.37 | $61.06 | $114.99 | $116.19 | $114.51 |
| Shares outstanding | 14.3M | 14.3M | 14.3M | 14.4M | 14.6M | 14.7M | 15.0M | 15.1M | 15.1M | 14.9M |
| Change in shares outstanding | +0.5% | −0.2% | −0.7% | −1.7% | −0.6% | −1.5% | −1.0% | +0.4% | +0.9% | +0.5% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 19.5% | 10.3% | 1.5% | 12.6% | 2.2% | 1.9% | 12.7% | 13.8% | 9.3% | 11.1% |
| Return on invested capital (ROIC) | 51.3% | — | — | — | — | 2.7% | 15.0% | 9.2% | 6.5% | 10.6% |
| Return on assets (ROA) | 1.9% | 0.9% | 0.1% | 1.1% | 1.2% | 1.1% | 1.2% | 1.2% | 0.8% | 1.0% |
| Return on tangible assets | 1.9% | 0.9% | 0.1% | 1.1% | 1.2% | 1.0% | 1.2% | 1.2% | 0.8% | 1.0% |
| Free cash flow margin | 5.5% | 20.6% | 27.7% | 29.3% | 36.8% | 29.8% | 28.7% | 27.6% | 17.4% | 27.8% |
| Income quality (OCF / net income) | 0.24 | 1.34 | 9.36 | 1.22 | 1.36 | 1.31 | 1.24 | 1.30 | 1.64 | 1.53 |
| Financial health | ||||||||||
| Total debt | $660.0M | $790.2M | $653.1M | $347.6M | $138.0M | $374.1M | $914.2M | $1.74B | $1.75B | $1.71B |
| Cash & short-term investments | $1.11B | $1.37B | $1.50B | $1.67B | $2.11B | $2.02B | $1.44B | $1.41B | $1.48B | $1.49B |
| Net debt | −$448.0M | −$575.7M | −$843.1M | −$1.33B | −$1.97B | −$1.64B | −$522.3M | $327.0M | $274.3M | $216.9M |
| Debt / equity | 0.70 | 1.11 | 0.98 | 0.56 | 0.19 | 0.05 | 1.38 | 2.80 | 3.04 | 3.11 |
| Debt / assets | 0.08 | 0.10 | 0.08 | 0.05 | 0.02 | 0.05 | 0.14 | 0.26 | 0.26 | 0.27 |
| Net debt / EBITDA | −1.92 | −5.56 | −70.26 | −10.93 | −15.61 | −15.01 | −4.56 | 2.83 | 2.60 | 2.27 |
| Current ratio | 0.15 | 0.19 | 0.22 | 0.24 | 158.82 | 1.05 | 6.43 | 0.01 | 0.02 | 0.01 |
| Quick ratio | 0.15 | 0.19 | 0.23 | 0.24 | 164.94 | 1.26 | 7.16 | 0.01 | 0.01 | 0.01 |
| Interest coverage | 1.7 | 0.7 | 0.1 | 5.2 | 6.5 | 3.4 | 2.0 | 2.6 | 3.7 | 3.9 |
| Working capital | −$6.32B | −$5.47B | −$5.42B | −$5.21B | $2.21B | $100.0M | $1.30B | −$6.04B | −$4.91B | −$4.70B |
| Invested capital | $490.3M | $137.8M | −$174.6M | −$709.2M | −$1.24B | $5.70B | $140.7M | $947.8M | $850.5M | $766.3M |
| Tangible asset value | $864.0M | $618.6M | $575.0M | $522.1M | $632.9M | $7.25B | $564.4M | $521.0M | $474.6M | $445.4M |
| Net current asset value | −$6.62B | −$6.11B | −$5.64B | −$5.36B | −$4.87B | $1.85B | −$4.53B | −$6.06B | −$5.99B | −$5.63B |
| Graham number | $128.64 | $74.74 | $26.44 | $75.36 | $82.60 | $242.88 | $73.74 | $70.86 | $54.73 | $57.34 |
| Graham net-net per share | −$460.32 | −$421.94 | −$397.84 | −$372.69 | −$337.20 | $109.18 | −$309.68 | −$308.09 | −$300.74 | −$276.54 |
| Capital allocation | ||||||||||
| Dividends paid | $36.1M | $35.0M | $34.5M | $33.6M | $32.4M | $31.4M | $30.6M | $29.6M | $27.6M | $26.6M |
| Share buybacks (net) | $2.7M | $1.2M | $9.9M | $15.4M | $23.8M | $9.4M | $29.9M | $2.4M | $1.3M | $1.2M |
| Dividend payout ratio | 22.4% | 49.5% | 363.1% | 39.5% | 36.3% | 40.4% | 37.5% | 36.0% | 52.6% | 44.8% |
| Dividends + buybacks / free cash flow | 121.3% | 40.9% | 54.0% | 51.5% | 48.3% | 42.1% | 63.3% | 36.0% | 57.0% | 37.1% |
| Capex / revenue | 1.2% | 1.4% | 2.3% | 2.5% | 1.5% | 1.4% | 1.8% | 5.6% | 12.1% | 6.0% |
| Capex / operating cash flow | 17.8% | 6.5% | 7.6% | 7.9% | 3.9% | 4.5% | 5.9% | 16.9% | 41.0% | 17.7% |
| Capex / depreciation | 0.80 | 0.59 | 0.58 | 0.71 | 0.41 | 0.39 | 0.51 | 1.60 | 3.46 | 1.80 |
| Stock-based compensation / revenue | 0.6% | 1.1% | 1.4% | 1.3% | 1.6% | 1.5% | 1.3% | 1.1% | 1.0% | 0.8% |
| SG&A / revenue | 26.9% | 31.9% | 45.4% | 40.6% | 40.2% | 38.3% | 35.5% | 35.9% | 37.9% | 39.2% |
| Efficiency | ||||||||||
| Days sales outstanding | 13.6 | 11.7 | 19.2 | 74.1 | 130.0 | 118.3 | 100.1 | 92.0 | 102.6 | 112.6 |
| Days of inventory on hand | — | — | 171,105.5 | -655.1 | -6,035.1 | -2,346.1 | -601.9 | 18.9 | 23.7 | 24.9 |
| Days payables outstanding | — | — | — | 102,566.1 | 157,727.0 | 46,018.7 | 35,374.8 | 40,589.4 | 58,302.8 | 62,300.6 |
| Cash conversion cycle (days) | — | — | — | -103,147.1 | -163,632.1 | -48,246.5 | -35,876.6 | -40,478.5 | -58,176.6 | -62,163.2 |
| Receivables turnover | 26.85 | 31.14 | 18.98 | 4.93 | 2.81 | 3.09 | 3.65 | 3.97 | 3.56 | 3.24 |
| Payables turnover | — | — | — | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Inventory turnover | — | — | — | — | — | — | — | 19.29 | 15.40 | 14.68 |
| Asset turnover | 0.07 | 0.05 | 0.04 | 0.04 | 0.04 | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 |
| Average receivables | $21.6M | $13.9M | $15.7M | $65.9M | $112.8M | $105.3M | $91.4M | $81.3M | $82.2M | $83.0M |
| Average payables | — | — | — | $6.70B | $6.61B | $5.83B | $5.05B | $4.86B | $4.73B | $4.51B |
| Average inventory | — | — | −$47.3M | −$42.8M | −$253.1M | −$297.0M | −$85.9M | $2.3M | $1.9M | $1.8M |
| Intangibles / total assets | 0.9% | 1.2% | 1.2% | 1.2% | 1.2% | 1.3% | 1.5% | 1.5% | 1.5% | 1.7% |
Computed from TMP's annual financial statements (latest annual report filed February 26, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
TMP valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), Tompkins Financial traded at 6.5 times earnings, against a 10-year median of 13.8. Based on the latest twelve months, the trailing P/E is 8.0 and the forward P/E is 12.9. Tompkins Financial earned a return on equity of 19.5% and a return on invested capital of 51.3% in fiscal 2025. It ended the year with $660.0 million of debt and $1.1 billion in cash and short-term investments, a net cash position of $448.0 million. It returned $38.8 million to shareholders: $36.1 million in dividends and $2.7 million in share buybacks, 121% of free cash flow. The share count fell 4.0% from 14.9M to 14.3M over 9 years.
See the TMP income statement, the TMP chart for price history, or the TMP stock overview for the latest quote and news.
TMP key metrics FAQ
What is Tompkins Financial's P/E ratio?
Tompkins Financial's trailing P/E ratio is 8.0 based on the last twelve months of earnings (as of October 18, 2026), and its forward P/E is 12.9. At the end of fiscal 2025 it was 6.5, compared with a 10-year median of 13.8.
What is Tompkins Financial's EV/EBITDA?
Tompkins Financial's enterprise value was 2.5 times EBITDA at the end of fiscal 2025 (enterprise value $591.6 million, EBITDA $233.5 million).
What is Tompkins Financial's return on equity?
Tompkins Financial's return on equity (ROE) was 19.5% in fiscal 2025: net income of $161.1 million on average shareholders' equity of $825.9 million.
What is Tompkins Financial's ROIC?
Tompkins Financial's return on invested capital was 51.3% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does Tompkins Financial have?
Tompkins Financial had total debt of $660.0 million at the end of fiscal 2025, a debt-to-equity ratio of 0.70 and more cash than debt.
What is Tompkins Financial's dividend yield?
Tompkins Financial's forward dividend yield is 2.87%. Tompkins Financial paid $36.1 million in dividends in fiscal 2025 ($2.52 per share), a payout ratio of 22.4%.
Does Tompkins Financial buy back its shares?
Yes. Tompkins Financial spent $2.7 million on net share repurchases in fiscal 2025 Shares outstanding changed +0.5% over the year, to 14.3M..
What is Tompkins Financial's free cash flow yield?
Tompkins Financial generated $31.9 million of free cash flow in fiscal 2025, a free cash flow yield of 3.1% on its market value at year-end ($1.0 billion).
What is Tompkins Financial's current ratio?
Tompkins Financial's current ratio was 0.15 at the end of fiscal 2025: current assets were 0.15 times current liabilities.