Tompkins Financial Corporation — Earnings Quality Grade F
TMP · Financial Services
Major red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
Insufficient data
Insufficient data
Revenue -13.9%, CFFO -59.1%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 11.5% vs revenue -13.9%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 0.24. Only 24% of profit backed by cash
Small-cap context: Small-cap CFFO/NI often diverges from working-capital swings, not necessarily manipulation.
FCF $0.0B, FCF/NI = 0.20
Accruals ratio = 1.4%. Low accruals
Cash $0.1B covers only 24% of debt $0.6B
Balance Sheet Health
Goodwill+Intangibles $0.1B = 8% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -21% YoY. Normal
Manipulation Score
Insufficient data
Portfolio monitoring
Monitor TMP continuously
The full checks and model details are free to read. Use Watchlist to track your holdings; Pro adds automatic quarterly rescoring, risk-event email alerts, scans up to 50 tickers, and export workflows.
Altman Z-Score — Not Applicable
Tompkins Financial Corporation is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25