` Comparison: TMP, MTB - Alpha Spread

T
TMP
vs
MTB

Over the past 12 months, TMP has underperformed MTB, delivering a return of -2% compared to the MTB's +2% growth.

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TMP
MTB
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Stocks Compared:
TMP MTB
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Valuation Comparison

TMP Intrinsic Value
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MTB Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
T
Tompkins Financial Corp
AMEX:TMP
74.13 USD
M&T Bank Corp
NYSE:MTB
203.84 USD
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Valuation Scenario:
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Growth Comparison

Growth Over Time
TMP, MTB

TMP
MTB
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
T
Tompkins Financial Corp
Revenue
M&T Bank Corp
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
TMP, MTB

TMP
MTB
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
T
Tompkins Financial Corp
AMEX:TMP
FCF is not applicable for financial companies
M&T Bank Corp
NYSE:MTB
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

TMP
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
T
Tompkins Financial Corp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Operating Margin

TMP
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
T
Tompkins Financial Corp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Net Margin

TMP
25.7%
MTB
27.3%
LTM 3Y Avg 5Y Avg 10Y Avg
T
Tompkins Financial Corp
M&T Bank Corp

FCF Margin

TMP
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
T
Tompkins Financial Corp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

ROE

TMP
11.2%
MTB
9.1%
LTM 3Y Avg 5Y Avg 10Y Avg
T
Tompkins Financial Corp
M&T Bank Corp

ROA

TMP
1%
MTB
1.2%
LTM 3Y Avg 5Y Avg 10Y Avg
T
Tompkins Financial Corp
M&T Bank Corp

ROIC

TMP
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
T
Tompkins Financial Corp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

ROCE

TMP
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
T
Tompkins Financial Corp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
TMP, MTB

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TMP
MTB
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
TMP, MTB

Performance Gap Between TMP and MTB
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Performance By Year
TMP, MTB

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TMP
MTB
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