ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Tompkins Financial Corp. ?
Unrated Stock - No Analysis Available
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Tompkins Financial Corp. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
No Data Found
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
8.48%
EBIT Growth (5y)
-23.86%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
22.33%
Pledged Shares
0
Institutional Holding
68.27%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Industry P/E
Price to Book Value
1.24
EV to EBIT
15.81
EV to EBITDA
14.41
EV to Capital Employed
1.14
EV to Sales
4.11
PEG Ratio
0.03
Dividend Yield
3.77%
ROCE (Latest)
7.22%
ROE (Latest)
10.43%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend31What is working for the Company
NII(Q)
Highest at USD 69.06 MM
ROCE(HY)
Highest at 1.92%
PRE-TAX PROFIT(Q)
Highest at USD 139.71 MM
NET PROFIT(Q)
Highest at USD 96.25 MM
GROSS NPA (%)
(Q
DIVIDEND PER SHARE(HY)
Highest at USD 0
NET SALES(Q)
Highest at USD 100.91 MM
EPS(Q)
Highest at USD 6.7
-5What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 76.07 MM
ROCE(HY)
Lowest at 1.92%
DIVIDEND PAYOUT RATIO(Y)
Lowest at 9.7%
Here's what is working for Tompkins Financial Corp.
Pre-Tax Profit
At USD 139.71 MM has Grown at 404.03%
over average net sales of the previous four periods of USD 27.72 MMMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
At USD 96.25 MM has Grown at 355.71%
over average net sales of the previous four periods of USD 21.12 MMMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
NII
Highest at USD 69.06 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Pre-Tax Profit
Highest at USD 139.71 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 96.25 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Non Performing Loans (%)
Lowest at 0.74%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Net Sales
Highest at USD 100.91 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
EPS
Highest at USD 6.7
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Here's what is not working for Tompkins Financial Corp.
Operating Cash Flow
Lowest at USD 76.07 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Dividend Payout Ratio
Lowest at 9.7%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
Non Operating Income
Highest at USD 1.35 MM
in the last five periodsMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating income
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