ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Tompkins Financial Corp. ?
1
High Profitability with a Net Interest Margin of 8.86%
2
The company has declared Positive results for the last 9 consecutive quarters
- NII(Q) Highest at USD 73.98 MM
- ROCE(HY) Highest at 2.04%
- DIVIDEND PER SHARE(HY) Highest at USD 0
3
With ROA of 1.44%, it has a fair valuation with a 1.18 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 39.74%, its profits have risen by 127.3% ; the PEG ratio of the company is 0.1
4
High Institutional Holdings at 81.2%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 10.53% over the previous quarter.
5
Market Beating performance in long term as well as near term
- Along with generating 39.74% returns in the last 1 year, the stock has outperformed S&P 500 in the last 3 years, 1 year and 3 months
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
Is Tompkins Financial Corp. for you?
Medium Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Tompkins Financial Corp.
39.74%
0.46
27.91%
S&P 500
15.36%
1.17
13.09%
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 Trend17What is working for the Company
NII(Q)
Highest at USD 73.98 MM
ROCE(HY)
Highest at 2.04%
DIVIDEND PER SHARE(HY)
Highest at USD 0
NET SALES(Q)
Highest at USD 105.94 MM
NET PROFIT(9M)
Higher at USD 151.63 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 93.86%
OPERATING PROFIT(Q)
Highest at USD 38.55 MM
OPERATING PROFIT MARGIN(Q)
Highest at 36.39 %
-10What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 56.03 MM
ROCE(HY)
Lowest at 2.04%
PRE-TAX PROFIT(Q)
At USD 38.55 MM has Fallen at -33.97%
NET PROFIT(Q)
At USD 29.3 MM has Fallen at -30.01%
DIVIDEND PAYOUT RATIO(Y)
Lowest at 32.77%
Here's what is working for Tompkins Financial Corp.
NII
Highest at USD 73.98 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 105.94 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (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)
Operating Profit
Highest at USD 38.55 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 36.39 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Credit Deposit Ratio
Highest at 93.86%
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 2.32 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
Here's what is not working for Tompkins Financial Corp.
Operating Cash Flow
Lowest at USD 56.03 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)
Pre-Tax Profit
At USD 38.55 MM has Fallen at -33.97%
over average net sales of the previous four periods of USD 58.38 MMMOJO Watch
Near term Pre-Tax Profit trend is very negative
Pre-Tax Profit (USD MM)
Net Profit
At USD 29.3 MM has Fallen at -30.01%
over average net sales of the previous four periods of USD 41.87 MMMOJO Watch
Near term Net Profit trend is very negative
Net Profit (USD MM)
Dividend Payout Ratio
Lowest at 32.77%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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