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Peoples Bancorp Inc. (PEBO) vs Tompkins Financial Corporation (TMP)

Peoples Bancorp Inc. and Tompkins Financial Corporation are both Banks Regional companies. Peoples Bancorp Inc. and Tompkins Financial Corporation are of similar size ($1.4B and $1.4B). Tompkins Financial Corporation trades at the lower P/E: 7.9× against 11.3×. Tompkins Financial Corporation grew revenue faster over the last twelve months: 25.8% against −0.24%. Tompkins Financial Corporation has the higher net margin (30.9% vs 19.8%) and the higher return on invested capital (14.2% vs 8.80%). Both pay a dividend; Peoples Bancorp Inc. yields more (4.30% vs 3.42%). Across the 19 metrics below, Tompkins Financial Corporation leads on 10 and Peoples Bancorp Inc. on 9.

Valuation

Metric PEBO TMP Banks Regional median
P/E 11.31 7.93 12.02
P/S 2.23 2.45 2.36
P/B 1.11 1.52 1.23
Price to free cash flow 8.01 27.30 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.85% 12.61% 8.21%
Free cash flow yield 12.49% 3.66% 9.23%

Profitability

Metric PEBO TMP Banks Regional median
Gross margin 76.32% 78.18% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 19.76% 30.94% 18.82%
Free cash flow margin 27.82% 8.97% 17.97%
Return on equity 10.07% 20.90% 10.28%
Return on assets 1.26% 2.07% 1.13%
Return on invested capital 8.80% 14.24% 8.45%

Growth

Metric PEBO TMP Banks Regional median
Revenue growth (TTM) (0.24%) 25.80% 6.37%
EPS growth (last fiscal year) (9.67%) 126.16% 18.85%
Revenue growth, 5-year CAGR 22.87% 12.02% 12.65%
Net income growth, 5-year CAGR 25.16% 15.73% 9.81%

Health

Metric PEBO TMP Banks Regional median
Debt to equity 0.13 0.43 0.17
Current ratio 0.85 0.94 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric PEBO TMP Banks Regional median
Dividend yield 4.30% 3.42% 2.49%
Payout ratio 0.49 0.27 0.29

Size

Metric PEBO TMP Banks Regional median
Market cap 1.39b 1.44b 934.85m

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