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)
7.11%
EBIT Growth (5y)
4.70%
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
49.14%
Pledged Shares
0
Institutional Holding
69.94%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Industry P/E
Price to Book Value
1.22
EV to EBIT
14.59
EV to EBITDA
13.16
EV to Capital Employed
1.14
EV to Sales
3.66
PEG Ratio
0.01
Dividend Yield
3.94%
ROCE (Latest)
7.82%
ROE (Latest)
9.94%
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
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend18What is working for the Company
NII(Q)
Highest at USD 60.13 MM
ROCE(HY)
Highest at 0.98%
DIVIDEND PER SHARE(HY)
Highest at USD 0
OPERATING PROFIT(Q)
Highest at USD 28.24 MM
OPERATING PROFIT MARGIN(Q)
Highest at 30.15 %
PRE-TAX PROFIT(Q)
Highest at USD 28.24 MM
NET PROFIT(Q)
Highest at USD 21.47 MM
CASH AND EQV(HY)
Highest at USD 175.11 MM
NET SALES(Q)
Highest at USD 93.65 MM
EPS(Q)
Highest at USD 1.5
-5What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 85.43 MM
ROCE(HY)
Lowest at 0.98%
Here's what is working for Tompkins Financial Corp.
NII
Highest at USD 60.13 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Operating Profit
Highest at USD 28.24 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Operating Profit trend is quite positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 30.15 % and Grown
In each period in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 28.24 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 21.47 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Dividend per share
Highest at USD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Net Sales
Highest at USD 93.65 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
EPS
Highest at USD 1.5
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Cash and Eqv
Highest at USD 175.11 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Here's what is not working for Tompkins Financial Corp.
Operating Cash Flow
Lowest at USD 85.43 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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