Tompkins Financial vs Univest Financial
TMP and UVSP side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How TMP and UVSP compare
Tompkins Financial is the larger company, worth 1.3 times as much as Univest Financial ($1.4B against $1.1B).
On earnings, Tompkins Financial is cheaper: it trades at 8.0× trailing earnings, against 11.8× for Univest Financial.
Tompkins Financial grew revenue faster over the last twelve months (117% versus 9.4% for Univest Financial).
Tompkins Financial keeps more of each dollar of sales as profit, with a net margin of 39.6% compared with 29.0% at Univest Financial.
Both pay dividends: Tompkins Financial yields 2.0% and Univest Financial 2.2%.
Tompkins Financial scores higher on the StockData Score (16 against 14 for Univest Financial), 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 | TMP | UVSP |
|---|---|---|
| Size and price | ||
| Market cap | $1.4B | $1.1B |
| Share price | $100.29 | $40.85 |
| Change, 1 year | 48.5% | 33.8% |
| Change, 5 years | 21.0% | 39.2% |
| Beta (5Y) | 0.62 | 0.59 |
| Employees | 870 | 960 |
| StockData Score | ||
| Total score | 16 (better) | 14 |
| Valuation score | 3 | 3 |
| Growth score | 3 (better) | 1 |
| Performance score | 3 | 3 |
| Health score | 3 | 4 (better) |
| Dividend score | 4 (better) | 3 |
| Valuation | ||
| P/E | 8.0× (better) | 11.8× |
| P/S | 3.2× (better) | 3.3× |
| P/B | – | 1.2× |
| P/FCF | 28.9× | 10.6× (better) |
| PEG | 0.33 (better) | 2.02 |
| FCF yield | 3.5% | 9.4% (better) |
| Fair value | – | $39.11 |
| Margin of safety | – | −4.4% |
| Growth | ||
| Revenue growth (TTM) | 117% (better) | 9.4% |
| Revenue growth, 5Y average | 2.9% | – |
| Net income growth (TTM) | 113% (better) | 23.2% |
| EPS growth (TTM) | 113% (better) | 26.3% |
| EPS growth, 5Y average | 16.7% (better) | 14.4% |
| Profitability | ||
| Net margin | 39.6% (better) | 29.0% |
| FCF margin | 10.9% | 31.2% (better) |
| Return on equity | – | 10.5% |
| Financial health | ||
| Debt / equity | – | 0.02 |
| Altman Z-score | 0.27 (better) | 0.24 |
| Piotroski F-score | 4 | 7 (better) |
| Dividends and buybacks | ||
| Dividend yield | 2.0% | 2.2% (better) |
| Payout ratio | 21.5% | 25.9% |
| Years of dividend growth | 16 (better) | 1 |
| Dividend growth, 5Y average | 8.3% (better) | 7.7% |
| Buyback yield | 0.43% | 4.6% (better) |
| Shareholder yield | 2.5% | 6.8% (better) |
| Ownership | ||
| Held by institutions | 70.7% | 83.9% |
| Held by insiders | 2.7% | 1.7% |
| Insider net buying, 12 months | $100K (better) | −$2.9M |
| Short interest, % of float | 3.1% | 3.8% |
Go deeper
- TMP stock overview
- TMP income statement
- TMP valuation and score
- UVSP stock overview
- UVSP income statement
- UVSP valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.