COMP <GO>

TFIN vs TMP // FORWARD P/E MULTIPLE

Triumph Financial Inc. (NYSE) VS. Tompkins Financial Corporation (NYSE) • 15-METRIC TALLY: TFIN 3 — TMP 4

▲ FORWARD P/E MULTIPLE LEADER: TMP

LAST: $62.10 (-2.16%) • MKT CAP: $1.52B

forward-pe

55.7x

LAST: $99.52 (-2.09%) • MKT CAP: $1.46B

forward-pe

8.5x

15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (TFIN VS. TMP) EMERALD CELL = QUANTITATIVE EDGE

INSTITUTIONAL METRIC	TFIN	TMP	SPREAD (A - B)	ADVANTAGE	DEDICATED URL
Gross Profit Margin	—	—	—	TIE	/gross-margins <GO>
Return on Invested Capital (ROIC)	2.70%	17.20%	-14.50	TMP	/roic <GO>
EV/EBITDA & P/E Valuation	—	—	—	TIE	/valuation <GO>
Free Cash Flow Yield	4.42%	2.19%	+2.23	TFIN	/fcf-yield <GO>
Operating Margin	—	—	—	TIE	/operating-margins <GO>
Net Profit Margin	—	68.00%	—	TIE	/net-margins <GO>
Revenue Growth (YoY)	—	-4.50%	—	TIE	/revenue-growth <GO>
Dividend Yield & FCF Payout Safety	0.21%	2.47%	-2.26	TMP	/dividend-safety <GO>
Altman Z-Score & Debt/Equity	—	—	—	TIE	/balance-sheet <GO>
Piotroski F-Score Quality	5/9	4/9	+1.00	TFIN	/piotroski-score <GO>
Options Implied Move & Put/Call Skew	—	—	—	TIE	/options-implied-move <GO>
RSI-14 & 200D SMA Momentum	51.6	58.9	-7.30	TMP	/rsi-technicals <GO>
10Y Yield & FRED Macro Beta	—	—	—	TIE	/macro-sensitivity <GO>
Forward P/E Multiple ACTIVE	55.7x	8.5x	+47.20	TMP	/forward-pe <GO>
Enterprise Scale & Market Cap	$1.52B	$1.46B	$56.4M	TFIN	/market-cap <GO>

5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY

FISCAL YEAR	TFIN REV	TMP REV	TFIN GROSS %	TMP GROSS %	TFIN FCF	TMP FCF
FY 2025	$0	$75.7M	—	—	$67.1M	$31.9M
FY 2024	$0	$79.3M	—	—	$58.5M	$88.8M
FY 2023	$0	$75.0M	—	—	$60.0M	$89.0M

FRED MACRO REGIME CORRELATION COMPARISON PEARSON r

TFIN // BETA —

TMP // BETA —