First Mid Bancshares, Inc. (FMBH) vs Tompkins Financial Corporation (TMP)

First Mid Bancshares, Inc. and Tompkins Financial Corporation are both Banks Regional companies. First Mid Bancshares, Inc. and Tompkins Financial Corporation are of similar size ($1.4B and $1.3B). Tompkins Financial Corporation trades at the lower P/E: 7.9× against 12.3×. Tompkins Financial Corporation grew revenue faster over the last twelve months: 28.2% against 10.4%. Tompkins Financial Corporation has the higher net margin (30.1% vs 19.8%) and the higher return on invested capital (11.2% vs 9.74%). Both pay a dividend; Tompkins Financial Corporation yields more (2.76% vs 2.03%). Across the 19 metrics below, Tompkins Financial Corporation leads on 13 and First Mid Bancshares, Inc. on 6.

Valuation

Metric FMBH TMP Banks Regional median
P/E 12.31 7.94 11.98
P/S 2.59 2.39 2.34
P/B 1.19 1.45 1.19
Price to free cash flow 10.37 27.32 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.12% 12.59% 8.23%
Free cash flow yield 9.64% 3.66% 9.08%

Profitability

Metric FMBH TMP Banks Regional median
Gross margin 75.52% 77.87% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 19.76% 30.13% 18.66%
Free cash flow margin 25.00% 8.73% 21.11%
Return on equity 10.05% 20.36% 10.65%
Return on assets 1.19% 2.04% 1.13%
Return on invested capital 9.74% 11.22% 8.35%

Growth

Metric FMBH TMP Banks Regional median
Revenue growth (TTM) 10.35% 28.16% 6.98%
EPS growth (last fiscal year) 16.06% 126.16% 18.88%
Revenue growth, 5-year CAGR 18.01% 12.02% 12.38%
Net income growth, 5-year CAGR 15.17% 15.73% 9.71%

Health

Metric FMBH TMP Banks Regional median
Debt to equity 0.03 0.57 0.22
Current ratio 0.95 0.95 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FMBH TMP Banks Regional median
Dividend yield 2.03% 2.76% 2.57%
Payout ratio 0.25 0.22 0.30

Size

Metric FMBH TMP Banks Regional median
Market cap 1.31b 1.40b 913.33m

Compare with another peer

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