Tompkins Financial Corporation
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Tompkins Financial Corporation's yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
1/3 · 2/3Sales grew in 1 of the last 3 years; profit grew in 2 of 3.
Less steady than 71% of Financial Services companies in United States.
Growth Efficiency Ratio
—Sales fell 16%
Sales fell 16% in 3 years, so extra profit per extra sales cannot be measured.
Asset Productivity Ratio
-16% / +13%In 3 years sales changed by -16% while total assets changed by +13%. Assets grew faster than sales.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
99%Of every $100 the company owns, $99 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 73% of Financial Services companies in United States.
Tangible Net Worth Ratio
92%Of every $100 of net worth, $92 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 70% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Tompkins Financial Corporation owes $0.89 for every $1 it owns. Net profit rose 127% in the year to Dec 2025, and grew 24% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
8.2Investors pay $8.2 for every $1 of Tompkins Financial Corporation's yearly profit, lower than 86% of Financial Services companies in United States.
P/B ratio
1.51The share price is 1.51 times Tompkins Financial Corporation's book value per share, higher than 68% of Financial Services companies in United States.
Market cap
$1.4 BThe total market value of all of Tompkins Financial Corporation's shares at today's price (share price × number of shares), larger than 62% of Financial Services companies in United States. PosiCap size class: Meso Cap.
Net worth (book value)
$960 MWhat Tompkins Financial Corporation would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$66.74Net worth divided by the number of shares. The share price of $100.78 is 1.5 times this, which is the P/B above.
Return on equity (ROE)
20.4%Tompkins Financial Corporation earned 20.4% on its shareholders' money over the last year, higher than 86% of Financial Services companies in United States.
Owes vs Owns
0.89×Tompkins Financial Corporation owes $0.89 for every $1 it owns (high), higher than 75% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
2.83%Tompkins Financial Corporation pays 2.83% of its share price as dividends a year, higher than 50% of dividend-paying Financial Services companies in United States.
Revenue growth
-14%Revenue fell 14% in the year to Dec 2025, and shrank 6% a year on average over 3 years.
Profit growth
+127%Net profit rose 127% in the year to Dec 2025, and grew 24% a year on average over 3 years.
Profit margin
63.4%Tompkins Financial Corporation keeps $63 of every $100 of revenue as net profit.
Questions
What is Tompkins Financial Corporation's P/E ratio?
Investors pay $8.2 for every $1 of Tompkins Financial Corporation's yearly profit, lower than 86% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Tompkins Financial Corporation: $1.4 B ÷ $960 M (30 Jun 2026) = 1.5.
What is Tompkins Financial Corporation's return on equity?
Tompkins Financial Corporation earned 20.4% on its shareholders' money over the last year, higher than 86% of Financial Services companies in United States.
How much does Tompkins Financial Corporation owe compared with what it owns?
Tompkins Financial Corporation owes $0.89 for every $1 it owns (high), higher than 75% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Tompkins Financial Corporation pay a dividend?
Yes. Tompkins Financial Corporation pays 2.83% of its share price as dividends a year, higher than 50% of dividend-paying Financial Services companies in United States.
Is Tompkins Financial Corporation's revenue growing?
Revenue fell 14% in the year to Dec 2025, and shrank 6% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.