Tompkins Financial Corporation (8J0) Ratios
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Tompkins Financial Corporation Ratios
DE:8J0's free cash flow for Q3 2026 was $36.87M. For the 2026 fiscal year, DE:8J0's free cash flow was decreased by $-1.01M and operating cash flow was $37.88M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.15 | 0.19 | 0.22 | 0.24 | 0.31 |
| Quick Ratio | 0.15 | 0.19 | 0.22 | 0.24 | 0.31 |
| Cash Ratio | 0.02 | 0.02 | 0.01 | 0.01 | 0.01 |
| Solvency Ratio | 0.02 | 0.01 | 0.00 | 0.01 | 0.01 |
| Operating Cash Flow Ratio | 0.01 | 0.01 | 0.01 | 0.01 | 0.02 |
| Short-Term Operating Cash Flow Coverage | 0.08 | 0.38 | 0.17 | 0.35 | 1.50 |
| Net Current Asset Value | $ -6.62B | $ -6.11B | $ -5.64B | $ -5.36B | $ -4.97B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.08 | 0.10 | 0.08 | 0.05 | 0.02 |
| Debt-to-Equity Ratio | 0.70 | 1.11 | 0.98 | 0.56 | 0.26 |
| Debt-to-Capital Ratio | 0.41 | 0.53 | 0.49 | 0.36 | 0.21 |
| Long-Term Debt-to-Capital Ratio | 0.15 | 0.43 | 0.16 | 0.08 | 0.13 |
| Financial Leverage Ratio | 9.24 | 11.37 | 11.70 | 12.45 | 10.75 |
| Debt Service Coverage Ratio | 0.27 | 0.21 | 0.02 | 0.27 | 0.91 |
| Interest Coverage Ratio | 1.70 | 0.68 | 0.14 | 5.21 | 6.54 |
| Debt to Market Cap | 0.64 | 0.82 | 0.76 | 0.31 | 0.16 |
| Interest Debt Per Share | 55.59 | 65.18 | 51.98 | 25.73 | 14.30 |
| Net Debt to EBITDA | 2.26 | 6.34 | 47.31 | 2.46 | 1.11 |
| Profitability Margins | |||||
| Gross Profit Margin | 75.15% | 66.85% | 69.61% | 92.66% | 95.17% |
| EBIT Margin | 38.84% | 21.54% | 4.00% | 33.79% | 36.18% |
| EBITDA Margin | 40.33% | 23.97% | 4.00% | 33.79% | 36.18% |
| Operating Profit Margin | 38.84% | 21.54% | 4.00% | 33.79% | 36.18% |
| Pretax Profit Margin | 38.84% | 21.54% | 4.00% | 33.79% | 36.18% |
| Net Profit Margin | 27.82% | 16.41% | 3.13% | 26.18% | 28.19% |
| Continuous Operations Profit Margin | 27.82% | 16.44% | 3.17% | 26.22% | 28.23% |
| Net Income Per EBT | 71.63% | 76.20% | 78.40% | 77.50% | 77.91% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 1.86% | 0.87% | 0.12% | 1.11% | 1.14% |
| Return on Equity (ROE) | 17.16% | 9.93% | 1.42% | 13.80% | 12.27% |
| Return on Capital Employed (ROCE) | 18.13% | 6.87% | 1.36% | 14.23% | 12.09% |
| Return on Invested Capital (ROIC) | 9.31% | -1.40% | 0.68% | 7.97% | 8.69% |
| Return on Tangible Assets | 1.87% | 0.88% | 0.12% | 1.12% | 1.16% |
| Earnings Yield | 15.58% | 7.35% | 1.11% | 7.65% | 7.33% |
| Efficiency Ratios | |||||
| Receivables Turnover | 0.00 | 34.75 | 19.82 | 20.25 | 22.81 |
| Payables Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 7.99 | 5.63 | 3.81 | 3.95 | 3.71 |
| Asset Turnover | 0.07 | 0.05 | 0.04 | 0.04 | 0.04 |
| Working Capital Turnover Ratio | -0.10 | -0.08 | -0.06 | -0.07 | -0.07 |
| Cash Conversion Cycle | 0.00 | 10.50 | 18.41 | 18.03 | 16.00 |
| Days of Sales Outstanding | 0.00 | 10.50 | 18.41 | 18.03 | 16.00 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Cycle | 0.00 | 10.50 | 18.41 | 18.03 | 16.00 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 2.73 | 6.68 | 6.24 | 7.21 | 8.32 |
| Free Cash Flow Per Share | 2.24 | 6.24 | 5.77 | 6.64 | 7.99 |
| Dividend Paid and CapEx Coverage Ratio | 0.90 | 2.30 | 2.16 | 2.48 | 3.26 |
| Capital Expenditure Coverage Ratio | 5.62 | 15.29 | 13.16 | 12.65 | 25.56 |
| Operating Cash Flow Coverage Ratio | 0.06 | 0.12 | 0.14 | 0.30 | 0.64 |
| Operating Cash Flow to Sales Ratio | 0.07 | 0.22 | 0.29 | 0.32 | 0.38 |
| Free Cash Flow Yield | 3.09% | 9.20% | 9.58% | 8.56% | 9.56% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 6.42 | 13.62 | 90.33 | 13.07 | 13.64 |
| Price-to-Sales (P/S) Ratio | 1.79 | 2.23 | 2.83 | 3.42 | 3.85 |
| Price-to-Book (P/B) Ratio | 1.10 | 1.35 | 1.28 | 1.80 | 1.67 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 32.35 | 10.87 | 10.44 | 11.68 | 10.46 |
| Price-to-Operating Cash Flow Ratio | 26.59 | 10.16 | 9.65 | 10.76 | 10.05 |
| Price-to-Earnings Growth (PEG) Ratio | 0.05 | 0.02 | -1.02 | -4.97 | 0.83 |
| Enterprise Value Multiple | 6.69 | 15.66 | 118.12 | 12.59 | 11.74 |
| Enterprise Value | 1.56B | 1.62B | 1.43B | 1.38B | 1.35B |
| EV to EBITDA | 6.69 | 15.66 | 118.12 | 12.59 | 11.74 |
| EV to Sales | 2.70 | 3.75 | 4.72 | 4.25 | 4.25 |
| EV to Free Cash Flow | 48.85 | 18.26 | 17.41 | 14.51 | 11.55 |
| EV to Operating Cash Flow | 40.15 | 17.06 | 16.09 | 13.37 | 11.10 |
| Tangible Book Value Per Share | 60.62 | 43.51 | 40.34 | 36.44 | 43.44 |
| Shareholders’ Equity Per Share | 65.84 | 50.18 | 46.90 | 42.99 | 49.94 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.28 | 0.24 | 0.21 | 0.22 | 0.22 |
| Revenue Per Share | 40.62 | 30.36 | 21.28 | 22.66 | 21.73 |
| Net Income Per Share | 11.30 | 4.98 | 0.67 | 5.93 | 6.13 |
| Tax Burden | 0.72 | 0.76 | 0.78 | 0.78 | 0.78 |
| Interest Burden | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.27 | 0.32 | 0.43 | 0.39 | 0.39 |
| Stock-Based Compensation to Revenue | 0.01 | 0.01 | 0.01 | 0.01 | 0.02 |
| Income Quality | 0.24 | 1.34 | 9.36 | 1.22 | 1.36 |
Currency in USD
