ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Tompkins Financial Corp. ?
Unrated Stock - No Analysis Available
Real-Time Research ReportHow much should you hold?
- 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)
-24.01%
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
22.34%
Pledged Shares
0
Institutional Holding
70.67%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
7
Industry P/E
Price to Book Value
1.18
EV to EBIT
52.59
EV to EBITDA
42.66
EV to Capital Employed
1.12
EV to Sales
4.09
PEG Ratio
0.05
Dividend Yield
3.31%
ROCE (Latest)
2.14%
ROE (Latest)
17.16%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
Mildly Bearish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend22What is working for the Company
NII(Q)
Highest at USD 71.86 MM
NET PROFIT(HY)
Higher at USD 122.32 MM
ROCE(HY)
Highest at 1.98%
NET SALES(Q)
Highest at USD 102.67 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
CREDIT DEPOSIT RATIO(HY)
Highest at 91.83%
OPERATING PROFIT(Q)
Highest at USD 34.47 MM
OPERATING PROFIT MARGIN(Q)
Highest at 33.58 %
-6What is not working for the Company
ROCE(HY)
Lowest at 1.98%
PRE-TAX PROFIT(Q)
At USD 34.47 MM has Fallen at -38.69%
NET PROFIT(Q)
At USD 26.07 MM has Fallen at -35.25%
Here's what is working for Tompkins Financial Corp.
NII
Highest at USD 71.86 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
Highest at USD 102.67 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Operating Profit
Highest at USD 34.47 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 33.58 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Credit Deposit Ratio
Highest at 91.83%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Depreciation
Highest at USD 2.31 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
Depreciation
At USD 2.31 MM has Grown at 461.31%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (USD MM)
Here's what is not working for Tompkins Financial Corp.
Pre-Tax Profit
At USD 34.47 MM has Fallen at -38.69%
over average net sales of the previous four periods of USD 56.21 MMMOJO Watch
Near term Pre-Tax Profit trend is very negative
Pre-Tax Profit (USD MM)
Net Profit
At USD 26.07 MM has Fallen at -35.25%
over average net sales of the previous four periods of USD 40.27 MMMOJO Watch
Near term Net Profit trend is very negative
Net Profit (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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