COMP <GO>
TMP vs WABC // EV/EBITDA & P/E VALUATION
Tompkins Financial Corporation (NYSE) VS. Westamerica Bancorporation (NASDAQ) • 15-METRIC TALLY: TMP 3
— WABC 3
■ METRIC PARITY
LAST: $101.64 (+0.53%) • MKT CAP: $1.46B
valuation
—
LAST: $61.40 (+0.79%) • MKT CAP: $1.42B
valuation
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (TMP VS. WABC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | TMP | WABC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 17.20% | 12.40% | +4.80 | TMP | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 2.19% | 8.43% | -6.24 | WABC | /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 | 2.47% | 3.31% | -0.84 | WABC | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 4/9 | 4/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 51.9 | 52.5 | -0.62 | WABC | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 8.5x | 11.3x | -2.80 | TMP | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $1.46B | $1.42B | $42.9M | TMP | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | TMP REV | WABC REV | TMP GROSS % | WABC GROSS % | TMP FCF | WABC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $75.7M | $0 | — | — | $31.9M | $119.7M |
| FY 2024 | $79.3M | $0 | — | — | $88.8M | $139.8M |
| FY 2023 | $75.0M | $0 | — | — | $89.0M | $158.2M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
TMP // BETA —
WABC // BETA —