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Tompkins Financial TMP Free cash flow margin

Free cash flow margin at other companies

M&T Bank logo
M&T BankMTB
32.2%-5.2pp
KeyCorp logo
KeyCorpKEY
28.4%—
First Commonwealth Financial logo
First Commonwealth FinancialFCF
32.8%+9.0pp
Community Financial System logo
Community Financial SystemCBU
28.9%+3.3pp
Trico Bancshares logo
Trico BancsharesTCBK
32.2%+6.0pp
F.N.B. Corporation logo
F.N.B. CorporationFNB
25.8%+2.3pp

Other financials

Income statement

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Revenue$83.7M+2.4%
Net income$26.1M+32.5%
EPS (diluted)$1.82+32.8%

Balance sheet

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Cash & equivalents$171.4M-11.2%
Total debt$122.1M-71.4%
Total equity$946.7M+27.7%
Total assets$8.7B+6.1%

Cash flow

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Operating cash flow$73.4M+230%
CapEx$2.3M+72.2%
Free cash flow$71.1M+241%

Valuation

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Market cap$1.34B+24.1%
P/E8×-6.6×
P/S3×-0.5×

Profitability

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Net margin37.3%+13.4pp

Returns & leverage

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Return on equity19.8%+9.4pp
Debt / equity0.1×-0.5×

Where this comes from

Calculated from Tompkins Financial’s reported figures.

free cash flow/total revenue=28.8%

Based on trailing twelve months.

The official record: Tompkins Financial’s 10-Q, filed October 28, 2025, on SEC EDGAR. View the filing →

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Questions, answered.

What is Tompkins Financial's free cash flow margin?
Tompkins Financial (TMP) reported free cash flow margin of 28.8% in Q3 2025.
How has Tompkins Financial's free cash flow margin changed year-over-year?
Tompkins Financial's free cash flow margin decreased by 0.1% year-over-year, from 28.8% to 28.8%.
What is the long-term trend for Tompkins Financial's free cash flow margin?
Over 4 years (2020 to 2024), Tompkins Financial's free cash flow margin has grown at a -2.2% compound annual growth rate (CAGR), from 32.4% to 29.7%.
What does free cash flow margin mean?
Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.