COMP <GO>
TMP vs PEBO // NET PROFIT MARGIN
Tompkins Financial Corporation (NYSE) VS. Peoples Bancorp Inc. (NASDAQ) • 15-METRIC TALLY: TMP 3
— PEBO 5
■ METRIC PARITY
LAST: $101.48 (+1.97%) • MKT CAP: $1.46B
net-margins
68.00%
LAST: $39.50 (+3.54%) • MKT CAP: $1.42B
net-margins
68.00%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (TMP VS. PEBO)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | TMP | PEBO | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 17.20% | 10.50% | +6.70 | TMP | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 8.6x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 2.19% | 9.23% | -7.04 | PEBO | /fcf-yield <GO> |
| Operating Margin | — | 75.00% | — | TIE | /operating-margins <GO> |
| Net Profit Margin ACTIVE | 68.00% | 68.00% | 0.00 | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | -4.50% | 2.30% | -6.80 | PEBO | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.47% | 4.17% | -1.70 | PEBO | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 4/9 | 5/9 | -1.00 | PEBO | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 56.7 | 64.2 | -7.50 | PEBO | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 8.5x | 12.2x | -3.70 | TMP | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $1.46B | $1.42B | $35.9M | TMP | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | TMP REV | PEBO REV | TMP GROSS % | PEBO GROSS % | TMP FCF | PEBO FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $75.7M | $86.7M | — | — | $31.9M | $128.7M |
| FY 2024 | $79.3M | $84.8M | — | — | $88.8M | $136.4M |
| FY 2023 | $75.0M | $79.5M | — | — | $89.0M | $143.6M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
TMP // BETA —
PEBO // BETA —