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Tompkins Financial TMP Free cash flow margin

Free cash flow margin at other companies

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M&T BankMTB
32.2%-5.2pp
KeyCorp logo
KeyCorpKEY
28.4%
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Community Financial SystemCBU
28.7%+3.3pp
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Financial InstitutionsFISI
33%-35.0pp
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F.N.B. CorporationFNB
34%+9.2pp
CTB
Community Trust BancorpCTBI
43.6%+4.7pp

Other financials

Income statement

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Revenue$87.1M+5.4%
Net income$29.3M+36.5%
EPS (diluted)$2.04+36.0%

Balance sheet

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Cash & equivalents$147.8M-30.5%
Total debt$122.1M-71.4%
Total equity$959.9M+26.0%
Total assets$8.8B+5.1%

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$1.44B+58.4%
P/E8.2×-3.2×
P/S3.2×+0.3×

Profitability

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Net margin38.7%+13.7pp

Returns & leverage

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Return on equity20.4%+9.3pp
Debt / equity0.1×-0.5×

Where this comes from

Calculated from Tompkins Financial’s reported figures.

Based on trailing twelve months.

The source filing: Tompkins Financial’s 10-Q, filed October 28, 2025. Open the filing →

Filed
Oct 28, 2025, 1:08 PM EDT
Fiscal quarter
Q3 FY2025
Calendar quarter
Q3 2025
Accession
0001005817-25-000040

FAQ

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.

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