COMP <GO>
WABC vs TMP // RETURN ON INVESTED CAPITAL (ROIC)
Westamerica Bancorporation (NASDAQ) VS. Tompkins Financial Corporation (NYSE) • 15-METRIC TALLY: WABC 3
— TMP 3
▲ RETURN ON INVESTED CAPITAL (ROIC) LEADER: TMP
LAST: $61.40 (+0.79%) • MKT CAP: $1.42B
roic
12.40%
LAST: $101.64 (+0.53%) • MKT CAP: $1.46B
roic
17.20%
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) ACTIVE | 12.40% | 17.20% | -4.80 | TMP | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | 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 —