S&T Bancorp vs Tompkins Financial
STBA and TMP side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How STBA and TMP compare
S&T Bancorp is the larger company, worth 1.2 times as much as Tompkins Financial ($1.8B against $1.4B).
On earnings, Tompkins Financial is cheaper: it trades at 8.0× trailing earnings, against 12.9× for S&T Bancorp.
Tompkins Financial grew revenue faster over the last twelve months (117% versus 7.5% for S&T Bancorp).
Tompkins Financial keeps more of each dollar of sales as profit, with a net margin of 39.6% compared with 34.3% at S&T Bancorp.
Both pay dividends: S&T Bancorp yields 3.6% and Tompkins Financial 2.0%.
Tompkins Financial scores higher on the StockData Score (16 against 13 for S&T Bancorp), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | STBA | TMP |
|---|---|---|
| Size and price | ||
| Market cap | $1.8B | $1.4B |
| Share price | $50.95 | $100.29 |
| Change, 1 year | 31.8% | 48.5% |
| Change, 5 years | 60.6% | 21.0% |
| Beta (5Y) | 0.62 | 0.62 |
| Employees | 1,206 | 870 |
| StockData Score | ||
| Total score | 13 | 16 (better) |
| Valuation score | 1 | 3 (better) |
| Growth score | 0 | 3 (better) |
| Performance score | 3 | 3 |
| Health score | 5 (better) | 3 |
| Dividend score | 4 | 4 |
| Valuation | ||
| P/E | 12.9× | 8.0× (better) |
| P/S | 4.3× | 3.2× (better) |
| P/B | 1.3× | – |
| P/FCF | 10.6× (better) | 28.9× |
| PEG | 44.87 | 0.33 (better) |
| FCF yield | 9.4% (better) | 3.5% |
| Fair value | $45.78 | – |
| Margin of safety | −11.3% | – |
| Growth | ||
| Revenue growth (TTM) | 7.5% | 117% (better) |
| Revenue growth, 5Y average | 3.5% (better) | 2.9% |
| Net income growth (TTM) | 8.2% | 113% (better) |
| EPS growth (TTM) | 13.5% | 113% (better) |
| EPS growth, 5Y average | 45.8% (better) | 16.7% |
| Profitability | ||
| Net margin | 34.3% | 39.6% (better) |
| FCF margin | 40.1% (better) | 10.9% |
| Return on equity | 10.0% | – |
| Financial health | ||
| Altman Z-score | 0.34 (better) | 0.27 |
| Piotroski F-score | 6 (better) | 4 |
| Dividends and buybacks | ||
| Dividend yield | 3.6% (better) | 2.0% |
| Payout ratio | 37.0% | 21.5% |
| Years of dividend growth | 13 | 16 (better) |
| Dividend growth, 5Y average | 4.3% | 8.3% (better) |
| Buyback yield | 7.4% (better) | 0.43% |
| Shareholder yield | 11.0% (better) | 2.5% |
| Ownership | ||
| Held by institutions | 74.3% | 70.7% |
| Held by insiders | 1.4% | 2.7% |
| Insider net buying, 12 months | −$887K | $100K (better) |
| Short interest, % of float | 7.1% | 3.1% |
Go deeper
- STBA stock overview
- STBA income statement
- STBA valuation and score
- TMP stock overview
- TMP income statement
- TMP valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.