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TMP (Tompkins Financial) Intrinsic Value: Projected FCF : $103.32 (As of Oct. 31, 2024)


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What is Tompkins Financial Intrinsic Value: Projected FCF?

Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.

As of today (2024-10-31), Tompkins Financial's Intrinsic Value: Projected FCF is $103.32. The stock price of Tompkins Financial is $64.54. Therefore, Tompkins Financial's Price-to-Intrinsic-Value-Projected-FCF of today is 0.6.

The historical rank and industry rank for Tompkins Financial's Intrinsic Value: Projected FCF or its related term are showing as below:

TMP' s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.47   Med: 0.82   Max: 1.27
Current: 0.62

During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Tompkins Financial was 1.27. The lowest was 0.47. And the median was 0.82.

TMP's Price-to-Projected-FCF is ranked worse than
63.74% of 1274 companies
in the Banks industry
Industry Median: 0.505 vs TMP: 0.62

Tompkins Financial Intrinsic Value: Projected FCF Historical Data

The historical data trend for Tompkins Financial's Intrinsic Value: Projected FCF can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Tompkins Financial Intrinsic Value: Projected FCF Chart

Tompkins Financial Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Intrinsic Value: Projected FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only 86.48 96.26 102.37 95.41 101.09

Tompkins Financial Quarterly Data
Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24
Intrinsic Value: Projected FCF Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 96.76 101.09 101.43 103.32 -

Competitive Comparison of Tompkins Financial's Intrinsic Value: Projected FCF

For the Banks - Regional subindustry, Tompkins Financial's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Tompkins Financial's Price-to-Projected-FCF Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Tompkins Financial's Price-to-Projected-FCF distribution charts can be found below:

* The bar in red indicates where Tompkins Financial's Price-to-Projected-FCF falls into.



Tompkins Financial Intrinsic Value: Projected FCF Calculation

Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.

The details of how we calculate the intrinsic value of stocks are described in detail here.

This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.

Intrinsic Value: Projected FCF = ( Growth Multiple * Free Cash Flow (6 year avg) + 0.8 * Total Stockholders Equity (most recent) ) / Shares Outstanding (Diluted Average)

In the case of negative Total Stockholders Equity, the following formula is used (see Explanation section below for the reason):

Intrinsic Value: Projected FCF = ( Growth Multiple * Free Cash Flow (6 year avg) + Total Stockholders Equity (most recent) / 0.8 ) / Shares Outstanding (Diluted Average)


Add all the Free Cash Flow together and divide 6 will get Tompkins Financial's Free Cash Flow(6 year avg) = $95.10.

Tompkins Financial's Intrinsic Value: Projected FCF for today is calculated as

Intrinsic Value: Projected FCF=(Growth Multiple*Free Cash Flow (6 year avg)+Total Stockholders Equity (Sep24)*0.8)/Shares Outstanding (Diluted Average)
=(9.5203515959648*95.09728+719.855*0.8)/14.283
=103.71

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.


Tompkins Financial  (AMEX:TMP) Intrinsic Value: Projected FCF Explanation

The growth multiple is capped between 8.35 and 17.74.

Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.

Tompkins Financial's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as

Price-to-Intrinsic-Value-Projected-FCF=Share Price/Intrinsic Value: Projected FCF
=64.54/103.70675218231
=0.62

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.


Tompkins Financial Intrinsic Value: Projected FCF Related Terms

Thank you for viewing the detailed overview of Tompkins Financial's Intrinsic Value: Projected FCF provided by GuruFocus.com. Please click on the following links to see related term pages.


Tompkins Financial Business Description

Traded in Other Exchanges
Address
118 East Seneca Street, P.O Box 460, Ithaca, NY, USA, 14851
Tompkins Financial Corp is a Financial Holding Company. It has three business segments, consisting of banking, insurance and wealth management. It offers various products and services, including commercial and consumer banking, leasing, trust and investment management, financial planning and wealth management, and insurance. Insurance is comprised of property and casualty insurance services and employee benefit consulting. Wealth management activities include the results of the company's trust, financial planning, and wealth management services. The company generates majority of its revenue from Banking segment.
Executives
John D Mcclurg director PO BOX 460, ITHACA NY 14851
Ita M Rahily director P.O. BOX 460, ITHACA NY 14851
David Kershaw officer: SVP, PAO PO BOX 460, ITHACA NY 14851
Charles J Guarino officer: SVP Chief Bank Operations Off. 220 LIBERTY STREET, WARSAW NY 14569
Matthew D Tomazin officer: EVP, CFO & Treasurer PO BOX 460, ITHACA NY 14851
Johanna B Anderson officer: Officer: EVP, Pres., TCB CNY PO BOX 460, ITHACA NY 14851
Angela B Lee director PO BOX 460, ITHACA NY 14851
Nancy E. Catarisano director 27 FAIRPORT DRIVE, FAIRPORT NY 14450
Alfred J Weber director 5 FOXGLOVE LANE, READING PA 19606
Diane D Torcello officer: EVP & President, Tompkins WNY PO BOX 460, ITHACA NY 14851
Gregory J Hartz officer: Executive Vice Pres. C/O TOMPKINS TRUSTCO, INC., P.O. BOX 460, ITHACA NY 14851
Francis M Fetsko officer: EVP, CFO, Treasurer C/O TOMKINS TRUSTCO, INC., PO BOX #460, ITHACA NY 14851
Ginger G Kunkel officer: President TCB Pennsylvania 389 COAL MOUNTAIN ROAD, ORWIGSBURG PA 17961
Scott L Gruber officer: EVP, Pres & CEO, VIST Bank 1240 BROADCASTING RD., WYOMISSING PA 19610
John M Mckenna officer: EVP, Tompkins Bank of Castile P.O. BOX 460, ITHACA NY 14851