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Triumph Financial, Inc. (TFIN) vs Tompkins Financial Corporation (TMP)

Triumph Financial, Inc. and Tompkins Financial Corporation are both Banks Regional companies. Triumph Financial, Inc. and Tompkins Financial Corporation are of similar size ($1.5B and $1.4B). Tompkins Financial Corporation trades at the lower P/E: 7.9× against 31.6×. Tompkins Financial Corporation grew revenue faster over the last twelve months: 25.8% against 12.5%. Tompkins Financial Corporation has the higher net margin (30.9% vs 8.39%) and the higher return on invested capital (14.2% vs 0.00%). Across the 18 metrics below, Tompkins Financial Corporation leads on 12 and Triumph Financial, Inc. on 6.

Valuation

Metric TFIN TMP Banks Regional median
P/E 31.63 7.93 12.02
P/S 2.65 2.45 2.36
P/B 1.60 1.52 1.23
Price to free cash flow 8.95 27.30 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 3.16% 12.61% 8.21%
Free cash flow yield 11.18% 3.66% 9.23%

Profitability

Metric TFIN TMP Banks Regional median
Gross margin 83.95% 78.18% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 8.39% 30.94% 18.82%
Free cash flow margin 29.64% 8.97% 17.97%
Return on equity 5.22% 20.90% 10.28%
Return on assets 0.67% 2.07% 1.13%
Return on invested capital 0.00% 14.24% 8.45%

Growth

Metric TFIN TMP Banks Regional median
Revenue growth (TTM) 12.47% 25.80% 6.37%
EPS growth (last fiscal year) 72.22% 126.16% 18.85%
Revenue growth, 5-year CAGR 6.29% 12.02% 12.65%
Net income growth, 5-year CAGR (18.69%) 15.73% 9.81%

Health

Metric TFIN TMP Banks Regional median
Debt to equity 0.04 0.43 0.17
Current ratio 1.02 0.94 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric TFIN TMP Banks Regional median
Dividend yield — 3.42% 2.49%
Payout ratio — 0.27 0.29

Size

Metric TFIN TMP Banks Regional median
Market cap 1.49b 1.44b 934.85m

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