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Friday 6 November 2026
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Tompkins Financial Corporation
Tompkins Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $578.9 million, up 32.9% from fiscal 2024.
- Revenue
- +0.61%
- EPS
- +21.1%
- Free cash flow
- +4.04%
- Total debt
- −8.58%
Quarter to September 2026, against a year earlier
99.34
0.06
+0.06%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
24.36 | 23.52 | 13.92 | 16.98 | 13.55 | 13.75 | 13.04 | 91.20 | 13.62 | 6.42 |
Piotroski F-Score |
4 | 5 | 7 | 6 | 6 | 7 | 6 | 5 | 7 | 6 |
P/S ratio |
5.20 | 4.10 | 3.43 | 4.05 | 3.16 | 3.80 | 3.35 | 2.75 | 2.21 | 1.79 |
P/FCF ratio |
18.89 | 23.82 | 12.20 | 14.20 | 10.72 | 10.45 | 11.58 | 10.24 | 10.83 | 20.25 |
P/Operating CF |
53.96 | 39.28 | 28.43 | 49.77 | 25.90 | 40.83 | 52.55 | 44.64 | 41.48 | (27.78) |
P/B ratio |
2.57 | 2.11 | 1.82 | 2.06 | 1.45 | 1.67 | 1.79 | 1.26 | 1.35 | 1.10 |
Price to Tangible BV |
3.17 | 2.56 | 2.17 | 2.42 | 1.67 | 1.92 | 2.12 | 1.47 | 1.56 | 1.19 |
EV/Sales |
8.06 | 7.43 | 6.45 | 5.59 | 2.78 | 3.99 | 4.00 | 4.44 | 3.72 | 2.53 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
24.09 | 25.56 | 19.79 | 18.54 | 9.01 | 10.54 | 12.75 | 15.36 | 17.05 | 37.68 |
EV/FCF |
29.30 | 43.19 | 22.95 | 19.62 | 9.43 | 10.96 | 13.81 | 16.55 | 18.19 | 28.69 |
Quick Ratio |
0.02 | 0.02 | 0.02 | 0.03 | 0.06 | 0.01 | 0.01 | 0.01 | 0.02 | 0.02 |
Current Ratio |
0.94 | 0.98 | 1.00 | 0.97 | 0.88 | 0.76 | 0.82 | 0.90 | 0.96 | 0.96 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
14.19% | 16.12% | 15.92% | 9.78% | 3.48% | 1.59% | 3.80% | 7.70% | 9.75% | 6.51% |
Debt/Equity |
1.61 | 1.86 | 1.73 | 0.99 | 0.37 | 0.17 | 0.47 | 0.90 | 1.11 | 0.60 |
Asset Turnover |
0.05 | 0.05 | 0.05 | 0.05 | 0.05 | 0.04 | 0.04 | 0.04 | 0.05 | 0.07 |
Operating CF/Net income |
1.53 | 1.64 | 1.30 | 1.24 | 1.31 | 1.36 | 1.22 | 9.36 | 1.34 | 0.24 |
Capex/Depreciation |
(0.79) | (1.70) | (0.73) | (0.29) | (0.20) | (0.20) | (0.46) | (0.45) | (0.63) | 2.62 |
| 11.13% | 9.33% | 13.75% | 12.73% | 11.24% | 12.34% | 12.63% | 1.48% | 10.24% | 19.50% | |
| 1.00% | 0.81% | 1.23% | 1.21% | 1.08% | 1.16% | 1.10% | 0.12% | 0.89% | 1.92% | |
ROIC |
4.07% | 3.81% | 4.03% | 5.43% | 10.29% | 9.08% | 8.26% | 0.64% | 4.25% | 10.26% |
Return on Tangible Assets |
(28.13%) | (187.95%) | 102.50% | (130.81%) | (10.97%) | (5.72%) | (7.77%) | (1.71%) | (45.05%) | (65.95%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
59.23% | 58.57% | 55.69% | 53.90% | 60.96% | 58.33% | 60.03% | 67.39% | 47.26% | 38.25% |
Intangible Assets out of Total Assets |
0.02 | 0.02 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
Share Based Compensation of Revenue |
0.84% | 1.00% | 1.06% | 1.26% | 1.44% | 1.61% | 1.32% | 1.33% | 1.06% | 0.60% |
Graham Net Nets |
(0.90) | (1.05) | (1.05) | (0.69) | (1.15) | (1.54) | (1.42) | (1.58) | (1.16) | (0.98) |
Graham Number |
57.12 | 54.70 | 70.76 | 73.45 | 75.64 | 82.73 | 75.70 | 26.22 | 74.98 | 129.32 |
Earnings Yield |
4.10% | 4.25% | 7.19% | 5.89% | 7.38% | 7.27% | 7.67% | 1.10% | 7.34% | 15.57% |
Free Cash Flow Yield |
5.29% | 4.20% | 8.20% | 7.04% | 9.33% | 9.57% | 8.64% | 9.77% | 9.23% | 4.94% |
Revenue per Share |
18.33 | 19.80 | 21.88 | 22.59 | 22.32 | 21.98 | 22.98 | 21.58 | 30.64 | 40.62 |
Operating CF per Share |
6.13 | 5.76 | 7.13 | 6.82 | 6.90 | 8.32 | 7.21 | 6.24 | 6.68 | 2.73 |
Capex per Share |
(1.09) | (2.35) | (0.98) | (0.37) | (0.31) | (0.32) | (0.55) | (0.45) | (0.42) | 0.85 |
Free Cash Flow per Share |
5.04 | 3.41 | 6.15 | 6.44 | 6.59 | 8.00 | 6.66 | 5.79 | 6.26 | 3.58 |
Cash per Share |
7.23 | 5.70 | 5.40 | 9.26 | 26.48 | 4.39 | 5.49 | 5.64 | 9.51 | 9.37 |
Shareholders Equity per Share |
37.09 | 38.54 | 41.28 | 44.48 | 48.81 | 50.03 | 43.09 | 47.00 | 50.18 | 65.84 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
37.09 | 38.54 | 41.28 | 44.48 | 48.81 | 50.03 | 43.09 | 47.00 | 50.18 | 65.84 |
Free Cash Flow |
74.69 | 50.93 | 92.50 | 96.05 | 96.86 | 116.53 | 95.40 | 82.56 | 89.05 | 51.05 |
Working Capital |
(280.99) | (114.92) | (16.90) | (156.83) | (795.80) | (1,645.76) | (1,175.92) | (636.36) | (233.89) | (316.65) |
Capital Expenditures |
(16.17) | (35.13) | (14.77) | (5.57) | (4.53) | (4.65) | (7.94) | (6.44) | (5.91) | 12.18 |
Net Current Asset Value |
(1,274.14) | (1,274.03) | (1,183.67) | (946.13) | (1,196.68) | (1,878.58) | (1,570.65) | (1,335.34) | (1,120.68) | (1,013.21) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.06 | 0.12 | 0.04 | 0.02 | 0.01 | 0.01 | 0.02 | 0.02 | 0.01 | (0.02) |
Price to Operating Income |
16.31 | 12.98 | 10.97 | 13.26 | 10.63 | 10.63 | 10.07 | 69.70 | 10.37 | 4.59 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.29 | 0.24 | 0.21 | 0.20 | 0.25 | 0.27 | 0.21 | 0.18 | 0.12 | 0.06 |
Cash ROIC |
4.85% | 2.94% | 5.20% | 6.58% | 7.06% | 12.71% | 9.66% | 6.11% | 5.43% | 3.12% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.00 | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 | 0.00 | 0.01 | 0.02 | 0.02 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
76,377.67 | 69,355.83 | 44,844.94 | 37,491.94 | 81,052.03 | 141,439.79 | 114,519.68 | 26,591.96 | 17,309.11 | 19,134.24 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
4,510.22 | 4,731.47 | 4,863.38 | 5,050.94 | 5,825.34 | 6,614.59 | 6,696.87 | 6,501.07 | 6,435.83 | 6,704.78 |
Average Assets |
5,963.38 | 6,442.52 | 6,703.36 | 6,742.03 | 7,173.90 | 7,721.08 | 7,745.33 | 7,745.22 | 7,964.41 | 8,388.67 |
Average Common Equity |
532.94 | 562.80 | 598.54 | 641.96 | 690.37 | 723.32 | 673.17 | 643.66 | 691.69 | 825.91 |
Columns are period end dates · fundamentals updated 3 Nov 2026