TMP

Tompkins Financial Corporation

$62.24

1.77

(2.93%)

Exchange:	AMEX
Market Cap:	898.403M
Shares Outstanding:	6.216M

Overview

Earnings

Financials

Valuation

Chart

About The Company

Tompkins Financial Corporation, a financial holding company, provides commercial and consumer banking, leasing, trust and investment management, financial planning and wealth management, and insurance services. The company operates in three segments: Banking, Insurance, and Wealth Management. It accepts various deposit products, including checking accounts, savings accounts, time deposits, and IRA products, as well as brokered, reciprocal, and municipal money market deposits. The company also offers loans for various business purposes, including real estate financing, construction, equipment financing, accounts receivable financing, and commercial leasing; residential mortgage loans; personal loans; residential real estate loans; home equity loans; commercial and industrial loans; commercial real estate loans; agriculture loans; and consumer loans, such as personal installment loans, direct and indirect automobile financing, and overdraft lines of credit. In addition, it provides letters of credit and sweep accounts; credit and debit cards; and deposit and cash management, internet-based account, remote deposit, safe deposit, voice response, ATM, and mobile and internet banking services. Further, the company offers investment management, trust and estate, and financial and tax planning services; property and casualty, medical, life, disability, and long-term care insurance services; employee benefit consulting services; and insurance planning services. It primarily serves individuals, corporate executives, small business owners, and high net worth individuals. The company operates through a network of 63 banking offices, including 43 offices in New York and 20 offices in Pennsylvania. Tompkins Financial Corporation was founded in 1836 and is headquartered in Ithaca, New York.

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Revenue Segmentation

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EPS

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Earnings Call

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Income Statement

Balance Sheet

Cash Flow Statement

Analyst Estimates

Income Statement

(* All numbers are in thousands)

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
? Revenue	240,321	249,444	270,508	289,249	286,061	299,199	302,641	308,253	215,416	295,176
? Cost Of Revenue	37,667	37,076	42,944	48,303	46,249	45,791	47,253	50,497	0	0
? Gross Profit	202,654	212,368	227,564	240,946	239,812	253,408	255,388	257,756	215,416	295,176
? Research And Development Expenses	0	0	0	0	0	0	0	0	0	0
? General And Administrative Expenses	91,724	100,470	105,987	110,333	112,887	117,331	120,210	123,230	129,001	133,507
? Selling And Marketing Expenses	4,780	5,087	5,013	5,495	4,856	4,750	4,319	5,708	5,264	4,075
? Operating Expenses	173,000	185,000	201,000	225,000	-183,327	-201,687	-188,195	50,497	203,292	295,176
? Net Interest Income	0	0	0	0	0	0	0	0	0	211,102
? Interest Income	188,746	202,739	226,764	251,592	261,378	254,330	241,318	251,324	297,358	347,574
? Interest Expense	20,365	22,103	25,460	39,792	50,750	28,991	17,526	21,043	87,844	136,472
? Depreciation And Amortization	2,013	8,340.999	8,756	9,375	9,388	9,317	9,283	8,511	8,424	10,475
? EBITDA	95,995	95,435	105,443	112,611	114,480	109,339	126,140	121,270	20,548	0
? EBIT										-10,475
? Operating Income	114,216	115,317	128,843	143,905	102,734	97,512	114,446	130,630	12,458	71,063
? Income Before Tax	87,514	86,516	95,242	104,240	102,861	97,666	114,573	109,713	12,124	92,976
? Income Tax Expense	28,962	27,045	42,620	21,805	21,016	19,924	25,182	24,557	2,495	22,003
? Net Income From Continuing Operations										70,973
? Net Income	58,421	59,340	52,494	82,308	81,718	77,588	89,264	85,030	9,505	70,850
? EPS (Earnings Per Share)	3.910	3.940	3.460	5.470	5.390	5.220	6.080	5.920	0.660	4.980
? EPS Diluted	3.870	3.910	3.430	5.440	5.370	5.200	6.050	5.890	0.660	4.970
? Weighted Average Shares Outstanding	14,728.193	14,812.712	14,950.432	15,039.229	14,907.057	14,703.390	14,568.763	14,328.280	14,254.661	14,218.106
? Weighted Average Shares Outstanding Diluted	14,863.026	14,936.231	15,073.255	15,132.257	14,973.951	14,742.040	14,648.167	14,404.294	14,301.221	14,268.443
	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD

Balance Sheet

(* All numbers are in thousands)

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
? Cash And Cash Equivalents	58,257	63,954	84,303	80,389	137,982	388,462	63,107	77,837	79,542	134,398
? Short Term Investments	1,385,684	1,429,538	1,392,775	1,332,658	1,298,587	1,627,193	2,044,513	1,594,967	1,416,650	1,231,532
? Cash And Short Term Investments	1,443,941	1,493,492	1,477,078	1,413,047	1,436,569	2,015,655	2,107,620	1,672,804	1,483,862	1,285,167
? Net Receivables	82,087	83,841	80,555	82,091	100,800	109,750	115,830	181,058	15,304	12,422
? Accounts Receivables										0
? Inventory	0	0	2,939	0	-173,475	-420,487	-85,704	0	0	0
? Total Current Assets	56,261	62,074	77,688	78,524	1,537,369	2,125,405	2,223,450	1,613,539	1,499,166	1,285,167
? Property Plant Equipment Net	60,331	70,016	86,995	97,202	94,355	88,709	85,416	82,140	79,687	76,627
? Goodwill	91,792	92,623	92,291	92,283	92,447	92,447	92,447	92,602	92,602	92,602
? Intangible Assets	12,448	11,349	9,263	7,628	6,223	4,905	3,643	2,708	2,327	2,203
? Long Term Investments	1,539,123	1,571,657	1,531,991	1,474,124	1,299,502	1,628,122	2,329,424	1,908,088	1,729,838	0
? Total Non Current Assets	4,246,054	4,743,264	5,171,212	5,345,389	1,492,527	1,814,183	2,510,930	177,450	9,442,345	171,432
? Total Assets	5,689,995	6,236,756	6,648,290	6,758,436	6,725,623	7,622,171	7,819,982	7,670,686	7,819,749	8,109,080
? Account Payables	0	0	0	0	0	0	0	0	0	0
? Short Term Debt	0	0	587,742	0	0	0	0	0	477,100	247,000
? Deferred Revenue	0	0	0	0	0	0	0	0	0	0
? Total Current Liabilities	4,601,187	4,766,307	4,985,077	6,118,114	239,100	2,025,430	14,000	241,300	1,500	247,000
? Long Term Debt	573,794	922,496	500,691	445,863	436,035	278,220	110,000	291,300	135,996	543,247
? Deferred Revenue Non Current	0	0	0	0	0	0	0	0	0	0
? Deferred Tax Liabilities Non Current	0	0	0	0	0	0	0	0	0	0
? Total Non Current Liabilities	573,794	922,496	1,088,433	20,863	675,135	278,220	124,000	241,300	7,148,315	543,247
? Total Liabilities	5,173,529	5,687,351	6,072,088	6,137,565	6,062,569	278,220	7,091,041	7,053,296	7,149,815	7,395,636
? Treasury Stock										-6,741
? Preferred Stock	0	0	51,296	0	0	0	0	0	0	0
? Common Stock	1,502	1,517	1,530	1,535	1,501	1,496	1,470	1,456	1,444	1,447
? Retained Earnings	197,445	230,182	213,711	319,396	370,477	418,413	475,262	526,727	501,510	537,157
? Additional Paid In Capital										0
? Total Stockholders Equity	515,014	547,953	574,780	619,459	661,642	716,277	727,529	615,978	668,522	713,444
? Total Equity	516,466	549,405	576,202	620,871	663,054	717,689	728,941	617,390	669,934	713,444
? Minority Interest	1,452	1,452	1,422	1,412	1,412	1,412	1,412	1,412	1,412	0
? Total Liabilities And Total Equity	5,689,995	6,236,756	6,648,290	6,758,436	6,725,623	7,622,171	7,819,982	7,670,686	7,819,749	8,109,080
? Total Investments	2,924,807	3,001,195	2,924,766	2,806,782	2,598,089	3,255,315	4,373,937	3,503,055	3,146,488	1,231,532
? Total Debt	573,794	922,496	1,088,433	1,092,938	675,135	278,220	124,000	532,600	602,100	790,247
? Net Debt	515,537	858,542	1,004,130	1,012,549	537,153	-110,242	60,893	454,763	522,558	655,849
	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD

Cash Flow Statement

(* All numbers are in thousands)

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
? Net Income	58,421	59,340	52,494	82,308	81,718	77,588	89,264	85,030	9,505	70,850
? Depreciation And Amortization	8,481	8,919	10,201	11,325	11,717	11,676	11,567	11,557	11,733	10,475
? Deferred Income Tax	2,904	1,859	14,598	2,354	3,073	-6,284	1,798	910	-434	-3,082
? Stock Based Compensation	1,903	2,270	2,956	3,477	4,235	4,733	5,145	4,343	4,100	-134
? Change In Working Capital	190	-1,028	-2,579	-445	1,707	-13,491	8,602	-1,749	812	0
? Accounts Receivables	85	-957	-2,731	-800	1,629	-12,732	9,428	-2,268	0	0
? Inventory	4,544,926	4,704,233	4,907,389	6,039,590	-78	-139	826	-519	0	0
? Accounts Payables	105	-71	152	355	78	-759	-826	519	2,054	0
? Net Cash Provided By Operating Activities	82,444	90,860	86,065	107,265	101,615	101,387	121,177	103,340	89,003	94,966
? Investments In Property Plant And Equipment	-6,343	-16,056	-35,290	-18,084	-6,014	-4,551	-4,741	-8,168	-6,762	0
? Acquisitions Net	-375,118	-218	-411,613	-158,443	-436	-340,453	175,257	223	0	0
? Purchases Of Investments	-461,063	-412,735	-214,058	-193,959	-340,740	-904,913	-1,355,802	-183,140	-391,488	-55,913
? Sales Maturities Of Investments	399,103	353,528	238,799	228,434	545,164	587,950	596,414	380,700	602,323	238,384
? Net Cash Provided By Investing Activities	0	0	0	0	0	0	0	0	0	-250,441
? Net Debt Issuance	0	0	0	0	0	0	0	0	0	188,147
? Long Term Net Debt Issuance	0	0	0	0	0	0	0	0	0	188,147
? Short Term Net Debt Issuance	0	0	0	0	0	0	0	0	0	0
? Net Stock Issuance	0	0	0	0	0	0	0	0	0	170
? Net Dividends Paid	-25,411	-26,603	-27,627	-29,634	-30,637	-31,359	-32,415	-33,565	-34,512	-35,049
? Common Dividends Paid										-35,049
? Preferred Dividends Paid	0	0	0	0	0	0	0	0	0	0
? Net Cash Provided By Financing Activities	372,663	488,330	361,235	32,421	-178,008	792,812	136,762	-80,166	59,003	210,331
? Effect Of Forex Changes On Cash	0	0	0	0	0	0	0	0	0	0
? Net Change In Cash	2,187	5,697	20,349	-3,914	57,593	250,480	-325,355	14,730	1,705	54,856
? Cash At End Of Period	58,257	63,954	84,303	80,389	137,982	388,462	63,107	77,837	79,542	134,398
? Cash At Beginning Of Period	56,070	58,257	63,954	84,303	80,389	137,982	388,462	63,107	77,837	79,542
? Operating Cash Flow	82,444	90,860	86,065	107,265	101,615	101,387	121,177	103,340	89,003	94,966
? Capital Expenditure	-6,343	-16,056	-35,290	-18,084	-6,014	-4,551	-4,741	-8,168	-6,762	0
? Free Cash Flow	76,101	74,804	50,775	89,181	95,601	96,836	116,436	95,172	82,241	94,966
	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD

Analyst Estimates

(* All numbers are in thousands)

Fiscal Year	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026
Estimated Revenue (Low)	272,450	287,000	287,500	300,400	304,200	310,950	292,983.387	296,704.191	326,354.350	351,418.377
Estimated Revenue (High)	272,450	287,000	287,500	300,400	304,200	310,950	294,116.612	297,851.808	327,616.649	352,777.622
Estimated Revenue (Avg)	272,450	287,000	287,500	300,400	304,200	310,950	293,550	297,278	326,985.500	352,098
Estimated Ebitda (Low)	102,346.514	126,029.703	129,057.176	96,664.459	103,879.082	109,086.183	124,107.433	99,172.130	109,082.571	117,460.117
Estimated Ebitda (High)	153,519.772	189,044.556	193,585.765	144,996.688	155,818.624	163,629.278	186,161.153	99,555.716	109,504.490	117,914.439
Estimated Ebitda (Avg)	127,933.143	157,537.130	161,321.471	120,830.574	129,848.853	136,357.731	155,134.293	99,363.923	109,293.531	117,687.278
Estimated Net Income (Low)	40,849.313	66,663.505	63,772.650	52,188.114	64,571.396	68,068.029	7,570.399	67,760.333	79,457.875	89,729.013
Estimated Net Income (High)	61,273.970	99,995.258	95,658.975	78,282.172	96,857.094	102,102.044	11,355.600	68,101.275	79,857.737	90,180.359
Estimated Net Income (Avg)	51,061.642	83,329.382	79,715.813	65,235.143	80,714.245	85,085.037	9,463	67,930.804	79,722.500	90,055.500
Estimated SGA Expense (Low)	93,824.928	102,382.711	102,469.730	100,476.422	103,036.536	88,843.212	97,727.531	130,967.051	144,054.813	155,118.229
Estimated SGA Expense (High)	140,737.393	153,574.066	153,704.597	150,714.634	154,554.806	133,264.819	146,591.299	131,473.616	144,612	155,718.208
Estimated SGA Expense (Avg)	117,281.161	127,978.389	128,087.164	125,595.528	128,795.671	111,054.016	122,159.415	131,220.334	144,333.407	155,418.218
Estimated EPS (Avg)	4.470	5.440	5.170	5.060	6.440	6.040	4.680	4.750	5.570	6.290
Estimated EPS (High)	4.470	5.440	5.170	5.060	6.440	6.040	4.690	4.760	5.580	6.310
Estimated EPS (Low)	4.470	5.440	5.170	5.060	6.440	6.040	4.670	4.740	5.560	6.270
Number of Analysts (Estimated Revenue)	10	7	1	1	1	1	1	1	1	1
Number of Analysts (Estimated EPS)	9	6	1	1	1	1	1	1	1	1

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Current Key Metrics

?	Revenue (TTM) :	435.744M	?	P/S (TTM) :	2.58
?	Net Income (TTM) :	70.85M	?	P/E (TTM) :	11.7
?	Enterprise Value (TTM) :	1.489B	?	EV/FCF (TTM) :	15.06
?	Dividend Yield (TTM) :	0.04	?	Payout Ratio (TTM) :	0.48
?	ROE (TTM) :	0.1	?	ROIC (TTM) :	0.44
?	Net Debt (TTM) :	773.648M	?	Debt/Equity (TTM) :	0.83
?	P/B (TTM) :	1.16	?	Current Ratio (TTM) :	0

Forward P/E Ratios

?

Forward P/E calculated based on:

Forward P/E 1Y	Forward P/E 2Y	Forward P/E 3Y	Forward P/E 4Y	Forward P/E 5Y
13.92	11.44	12.04	12.30	9.66

SWOT Analysis

No SWOT analysis available for this stock.

TMP

2.93

4.25

2.72

-2.63

-8.98

37.21

1.52

Trading Metrics:

Open:	61.5	Previous Close:	60.47
Day Low:	60.44	Day High:	62.24
Year Low:	44.47	Year High:	79.01
Price Avg 50:	60.84	Price Avg 200:	65.07
Volume:	41612	Average Volume:	48898