TOMPKINS FINANCIAL CORP (TMP)
State Commercial Banks · Financial Services · $1.3B
Intrinsic Value (Consensus)
$154.79
Current Price
$90.37
Margin of Safety
+71.3%
71.3% Below Intrinsic Value
Value: $155
Price: $90
Valuation Model Estimates
Current Price: $90.37
DCF (Discounted Cash Flow)
$104.51
Graham Number
$112.19
Earnings Power Value
$109.13
Relative Value (P/E)
$224.80
Dividend Discount Model
$223.33
Consensus Value
$154.79
Model Assumptions
Discount Rate
10.3%
Growth Rate
20.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
B
71
Profitability
22/25
Strength
17/25
Valuation
22/25
Growth
10/25
Financial Health Signals
Declining revenue — top line is shrinking
Strong profitability — ROE of 23% (above 20% is excellent)
Strong earnings growth (20% YoY)
Key Financials
- EPS (TTM)
- $11.24
- EPS (Forward)
- $13.49
- Book Value
- $49.77
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 22.6%
- Debt/Equity
- —
- Revenue Growth
- -4.5%
- Earnings Growth
- 20.0%
- Dividend Yield
- 0.3%
- Beta
- 1.00
Similar Stocks (Financial Services)
AACBRArtius II Acquisitio...
$3.57+300%
ACGLNArch Capital Group L...
$225.25+300%
ACGLOArch Capital Group L...
$225.25+300%
AFGBAmerican Financial G...
$182.24+300%
AFGCAmerican Financial G...
$182.24+300%
Data last updated: 2026-06-16
Source: Yahoo Finance