Community Trust Bancorp, Inc. (CTBI) vs Tompkins Financial Corporation (TMP)

Community Trust Bancorp, Inc. and Tompkins Financial Corporation are both Banks Regional companies. Community Trust Bancorp, Inc. and Tompkins Financial Corporation are of similar size ($1.4B and $1.4B). Tompkins Financial Corporation trades at the lower P/E: 8.1× against 12.6×. Tompkins Financial Corporation grew revenue faster over the last twelve months: 28.2% against 7.76%. Tompkins Financial Corporation has the higher net margin (30.1% vs 25.6%) and the lower return on invested capital (11.2% vs 19.6%). Both pay a dividend; Tompkins Financial Corporation yields more (4.97% vs 4.65%). Across the 20 metrics below, Tompkins Financial Corporation leads on 13 and Community Trust Bancorp, Inc. on 7.

Valuation

Metric CTBI TMP Banks Regional median
P/E 12.61 8.10 12.15
P/S 3.23 2.43 2.37
P/B 1.53 1.48 1.21
Price to free cash flow 10.39 27.88 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.17 3.12 2.27
Earnings yield 7.93% 12.34% 8.11%
Free cash flow yield 9.63% 3.59% 8.98%

Profitability

Metric CTBI TMP Banks Regional median
Gross margin 70.72% 77.87% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 25.55% 30.13% 18.66%
Free cash flow margin 31.09% 8.73% 21.18%
Return on equity 12.72% 20.36% 10.64%
Return on assets 1.61% 2.04% 1.13%
Return on invested capital 19.63% 11.22% 8.33%

Growth

Metric CTBI TMP Banks Regional median
Revenue growth (TTM) 7.76% 28.16% 6.61%
EPS growth (last fiscal year) 17.79% 126.16% —
Revenue growth, 5-year CAGR 12.12% 12.02% 12.30%
Net income growth, 5-year CAGR 10.51% 15.73% 9.71%

Health

Metric CTBI TMP Banks Regional median
Debt to equity 0.08 0.57 0.22
Current ratio 0.94 0.95 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CTBI TMP Banks Regional median
Dividend yield 4.65% 4.97% 3.75%
Payout ratio 0.39 0.50 0.27

Size

Metric CTBI TMP Banks Regional median
Market cap 1.37b 1.41b 921.07m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack