COMP <GO>

WABC vs TMP // EV/EBITDA & P/E VALUATION

Westamerica Bancorporation (NASDAQ) VS. Tompkins Financial Corporation (NYSE) • 15-METRIC TALLY: WABC 3 — TMP 3

■ METRIC PARITY

LAST: $61.40 (+0.79%) • MKT CAP: $1.42B

valuation

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LAST: $101.64 (+0.53%) • MKT CAP: $1.46B

valuation

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

INSTITUTIONAL METRIC	WABC	TMP	SPREAD (A - B)	ADVANTAGE	DEDICATED URL
Gross Profit Margin	—	—	—	TIE	/gross-margins <GO>
Return on Invested Capital (ROIC)	12.40%	17.20%	-4.80	TMP	/roic <GO>
EV/EBITDA & P/E Valuation ACTIVE	—	—	—	TIE	/valuation <GO>
Free Cash Flow Yield	8.43%	2.19%	+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	3.31%	2.47%	+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	52.5	51.9	+0.62	WABC	/rsi-technicals <GO>
10Y Yield & FRED Macro Beta	—	—	—	TIE	/macro-sensitivity <GO>
Forward P/E Multiple	11.3x	8.5x	+2.80	TMP	/forward-pe <GO>
Enterprise Scale & Market Cap	$1.42B	$1.46B	-$42.9M	TMP	/market-cap <GO>

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

FISCAL YEAR	WABC REV	TMP REV	WABC GROSS %	TMP GROSS %	WABC FCF	TMP FCF
FY 2025	$0	$75.7M	—	—	$119.7M	$31.9M
FY 2024	$0	$79.3M	—	—	$139.8M	$88.8M
FY 2023	$0	$75.0M	—	—	$158.2M	$89.0M

FRED MACRO REGIME CORRELATION COMPARISON PEARSON r

WABC // BETA —

TMP // BETA —