Three independent discounted-cash-flow-style models value Tompkins Financial Corporation every trading day. 0 of 3 currently price TMP above its market price.
| Free Cash Flow model | $-23.92 |
| Excess Profit model | $75.80 |
| Residual Earnings model | $21.44 |
| Dividend Discount model | $48.49 |
| Piotroski F-Score | 4 / 9 |
| Return on invested capital | +18.9% |
| Net debt / EBITDA | -0.6× |
| Gross margin | +100.0% |
| Revenue CAGR | +0.8% |
| Cash conversion | 0.2× |
| Dividend yield | +2.7% |
| Buyback yield | -0.2% |
These are StockKitty's default assumptions. In the app, the models recompute live as you adjust growth, discount rates, and margins — and the AI explains the bull case, bear case, and quality picture.
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