Is DocuSign Stock Undervalued?
Digital signature software business DocuSign (NASDAQ:DOCU) has been struggling over…
| Company | Revenue Forecast | Earnings Forecast | Revenue Growth Forecast | Earnings Growth Forecast | Analyst Price Target Median |
|---|---|---|---|---|---|
|
TMP
Tompkins Financial Corp.
|
$87M | $1.70 | 22.83% | 24.5% | $78.00 |
|
AFBI
Affinity Bancshares, Inc.
|
-- | -- | -- | -- | -- |
|
BMRC
Bank of Marin Bancorp
|
$30.9M | $0.41 | -15.97% | 35.71% | $30.40 |
|
CCNE
CNB Financial Corp. (Pennsylvania)
|
$68.5M | $0.71 | -22.23% | 18.85% | $28.33 |
|
FUNC
First United Corp.
|
$22.1M | $0.89 | -20.91% | 0.63% | $42.00 |
|
SHBI
Shore Bancshares, Inc.
|
$57.8M | $0.45 | -32.5% | 17.43% | $19.00 |
| Company | Price | Analyst Target | Market Cap | P/E Ratio | Dividend per Share | Dividend Yield | Price / LTM Sales |
|---|---|---|---|---|---|---|---|
|
TMP
Tompkins Financial Corp.
|
$73.99 | $78.00 | $1.1B | 12.55x | $0.65 | 3.39% | 2.28x |
|
AFBI
Affinity Bancshares, Inc.
|
$21.38 | -- | $131.9M | 18.42x | $1.50 | 0% | 2.69x |
|
BMRC
Bank of Marin Bancorp
|
$26.57 | $30.40 | $427.6M | 42.92x | $0.25 | 3.76% | 3.03x |
|
CCNE
CNB Financial Corp. (Pennsylvania)
|
$26.91 | $28.33 | $793.1M | 13.57x | $0.18 | 2.68% | 1.52x |
|
FUNC
First United Corp.
|
$39.30 | $42.00 | $255.3M | 10.25x | $0.26 | 2.34% | 2.16x |
|
SHBI
Shore Bancshares, Inc.
|
$18.05 | $19.00 | $603.4M | 10.59x | $0.12 | 2.66% | 1.78x |
| Company | Total Debt / Total Capital | Beta | Debt to Equity | Quick Ratio |
|---|---|---|---|---|
|
TMP
Tompkins Financial Corp.
|
39.99% | 1.042 | 55.29% | 0.00x |
|
AFBI
Affinity Bancshares, Inc.
|
30.1% | 0.517 | 44.21% | 0.00x |
|
BMRC
Bank of Marin Bancorp
|
4.23% | 1.422 | 5.01% | 0.00x |
|
CCNE
CNB Financial Corp. (Pennsylvania)
|
29.26% | 1.048 | 45.29% | 0.00x |
|
FUNC
First United Corp.
|
37.07% | 0.942 | 49.8% | 0.00x |
|
SHBI
Shore Bancshares, Inc.
|
19.06% | 1.169 | 24.78% | 0.00x |
| Company | Gross Profit | Operating Income | Return on Invested Capital | Return on Common Equity | EBIT Margin | Free Cash Flow |
|---|---|---|---|---|---|---|
|
TMP
Tompkins Financial Corp.
|
-- | $31.1M | 5.95% | 11.34% | 53.65% | $33.9M |
|
AFBI
Affinity Bancshares, Inc.
|
-- | $2.9M | 4.14% | 6% | 59.72% | $3.6M |
|
BMRC
Bank of Marin Bancorp
|
-- | $9.6M | 2.15% | 2.25% | 48.99% | $12M |
|
CCNE
CNB Financial Corp. (Pennsylvania)
|
-- | $13.2M | 5.49% | 7.11% | 42.44% | $4.9M |
|
FUNC
First United Corp.
|
-- | $9.2M | 7.24% | 13.44% | 56.73% | $168K |
|
SHBI
Shore Bancshares, Inc.
|
-- | $19M | 8.25% | 10.27% | 55.98% | $27.7M |
Affinity Bancshares, Inc. has a net margin of 19.46% compared to Tompkins Financial Corp.'s net margin of 16.41%. Tompkins Financial Corp.'s return on equity of 11.34% beat Affinity Bancshares, Inc.'s return on equity of 6%.
| Company | Gross Margin | Earnings Per Share | Invested Capital |
|---|---|---|---|
|
TMP
Tompkins Financial Corp.
|
-- | $1.65 | $1.3B |
|
AFBI
Affinity Bancshares, Inc.
|
-- | $0.34 | $179.4M |
Tompkins Financial Corp. has a consensus price target of $78.00, signalling upside risk potential of 5.42%. On the other hand Affinity Bancshares, Inc. has an analysts' consensus of -- which suggests that it could fall by --. Given that Tompkins Financial Corp. has higher upside potential than Affinity Bancshares, Inc., analysts believe Tompkins Financial Corp. is more attractive than Affinity Bancshares, Inc..
| Company | Buy Ratings | Hold Ratings | Sell Ratings |
|---|---|---|---|
|
TMP
Tompkins Financial Corp.
|
0 | 1 | 0 |
|
AFBI
Affinity Bancshares, Inc.
|
0 | 0 | 0 |
Tompkins Financial Corp. has a beta of 0.823, which suggesting that the stock is 17.709% less volatile than S&P 500. In comparison Affinity Bancshares, Inc. has a beta of 0.220, suggesting its less volatile than the S&P 500 by 77.99%.
Tompkins Financial Corp. has a quarterly dividend of $0.65 per share corresponding to a yield of 3.39%. Affinity Bancshares, Inc. offers a yield of 0% to investors and pays a quarterly dividend of $1.50 per share. Tompkins Financial Corp. pays 49.14% of its earnings as a dividend. Affinity Bancshares, Inc. pays out -- of its earnings as a dividend. Tompkins Financial Corp.'s payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.
Tompkins Financial Corp. quarterly revenues are $121.7M, which are larger than Affinity Bancshares, Inc. quarterly revenues of $13.5M. Tompkins Financial Corp.'s net income of $23.7M is higher than Affinity Bancshares, Inc.'s net income of $2.2M. Notably, Tompkins Financial Corp.'s price-to-earnings ratio is 12.55x while Affinity Bancshares, Inc.'s PE ratio is 18.42x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Tompkins Financial Corp. is 2.28x versus 2.69x for Affinity Bancshares, Inc.. Usually stocks with elevated PS ratios are considered overvalued.
| Company | Price/Sales Ratio | Price/Earnings Ratio | Quarterly Revenue | Quarterly Net Income |
|---|---|---|---|---|
|
TMP
Tompkins Financial Corp.
|
2.28x | 12.55x | $121.7M | $23.7M |
|
AFBI
Affinity Bancshares, Inc.
|
2.69x | 18.42x | $13.5M | $2.2M |
Bank of Marin Bancorp has a net margin of 19.46% compared to Tompkins Financial Corp.'s net margin of 18%. Tompkins Financial Corp.'s return on equity of 11.34% beat Bank of Marin Bancorp's return on equity of 2.25%.
| Company | Gross Margin | Earnings Per Share | Invested Capital |
|---|---|---|---|
|
TMP
Tompkins Financial Corp.
|
-- | $1.65 | $1.3B |
|
BMRC
Bank of Marin Bancorp
|
-- | $0.47 | $463.4M |
Tompkins Financial Corp. has a consensus price target of $78.00, signalling upside risk potential of 5.42%. On the other hand Bank of Marin Bancorp has an analysts' consensus of $30.40 which suggests that it could grow by 14.29%. Given that Bank of Marin Bancorp has higher upside potential than Tompkins Financial Corp., analysts believe Bank of Marin Bancorp is more attractive than Tompkins Financial Corp..
| Company | Buy Ratings | Hold Ratings | Sell Ratings |
|---|---|---|---|
|
TMP
Tompkins Financial Corp.
|
0 | 1 | 0 |
|
BMRC
Bank of Marin Bancorp
|
3 | 2 | 0 |
Tompkins Financial Corp. has a beta of 0.823, which suggesting that the stock is 17.709% less volatile than S&P 500. In comparison Bank of Marin Bancorp has a beta of 0.854, suggesting its less volatile than the S&P 500 by 14.611%.
Tompkins Financial Corp. has a quarterly dividend of $0.65 per share corresponding to a yield of 3.39%. Bank of Marin Bancorp offers a yield of 3.76% to investors and pays a quarterly dividend of $0.25 per share. Tompkins Financial Corp. pays 49.14% of its earnings as a dividend. Bank of Marin Bancorp pays out 192.62% of its earnings as a dividend. Tompkins Financial Corp.'s payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future, but Bank of Marin Bancorp's is not.
Tompkins Financial Corp. quarterly revenues are $121.7M, which are larger than Bank of Marin Bancorp quarterly revenues of $41.8M. Tompkins Financial Corp.'s net income of $23.7M is higher than Bank of Marin Bancorp's net income of $7.5M. Notably, Tompkins Financial Corp.'s price-to-earnings ratio is 12.55x while Bank of Marin Bancorp's PE ratio is 42.92x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Tompkins Financial Corp. is 2.28x versus 3.03x for Bank of Marin Bancorp. Usually stocks with elevated PS ratios are considered overvalued.
| Company | Price/Sales Ratio | Price/Earnings Ratio | Quarterly Revenue | Quarterly Net Income |
|---|---|---|---|---|
|
TMP
Tompkins Financial Corp.
|
2.28x | 12.55x | $121.7M | $23.7M |
|
BMRC
Bank of Marin Bancorp
|
3.03x | 42.92x | $41.8M | $7.5M |
CNB Financial Corp. (Pennsylvania) has a net margin of 19.46% compared to Tompkins Financial Corp.'s net margin of 5.87%. Tompkins Financial Corp.'s return on equity of 11.34% beat CNB Financial Corp. (Pennsylvania)'s return on equity of 7.11%.
| Company | Gross Margin | Earnings Per Share | Invested Capital |
|---|---|---|---|
|
TMP
Tompkins Financial Corp.
|
-- | $1.65 | $1.3B |
|
CCNE
CNB Financial Corp. (Pennsylvania)
|
-- | $0.22 | $1.2B |
Tompkins Financial Corp. has a consensus price target of $78.00, signalling upside risk potential of 5.42%. On the other hand CNB Financial Corp. (Pennsylvania) has an analysts' consensus of $28.33 which suggests that it could grow by 5.41%. Given that Tompkins Financial Corp. has higher upside potential than CNB Financial Corp. (Pennsylvania), analysts believe Tompkins Financial Corp. is more attractive than CNB Financial Corp. (Pennsylvania).
| Company | Buy Ratings | Hold Ratings | Sell Ratings |
|---|---|---|---|
|
TMP
Tompkins Financial Corp.
|
0 | 1 | 0 |
|
CCNE
CNB Financial Corp. (Pennsylvania)
|
2 | 1 | 0 |
Tompkins Financial Corp. has a beta of 0.823, which suggesting that the stock is 17.709% less volatile than S&P 500. In comparison CNB Financial Corp. (Pennsylvania) has a beta of 0.743, suggesting its less volatile than the S&P 500 by 25.71%.
Tompkins Financial Corp. has a quarterly dividend of $0.65 per share corresponding to a yield of 3.39%. CNB Financial Corp. (Pennsylvania) offers a yield of 2.68% to investors and pays a quarterly dividend of $0.18 per share. Tompkins Financial Corp. pays 49.14% of its earnings as a dividend. CNB Financial Corp. (Pennsylvania) pays out 29.75% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.
Tompkins Financial Corp. quarterly revenues are $121.7M, which are larger than CNB Financial Corp. (Pennsylvania) quarterly revenues of $119.2M. Tompkins Financial Corp.'s net income of $23.7M is higher than CNB Financial Corp. (Pennsylvania)'s net income of $7M. Notably, Tompkins Financial Corp.'s price-to-earnings ratio is 12.55x while CNB Financial Corp. (Pennsylvania)'s PE ratio is 13.57x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Tompkins Financial Corp. is 2.28x versus 1.52x for CNB Financial Corp. (Pennsylvania). Usually stocks with elevated PS ratios are considered overvalued.
| Company | Price/Sales Ratio | Price/Earnings Ratio | Quarterly Revenue | Quarterly Net Income |
|---|---|---|---|---|
|
TMP
Tompkins Financial Corp.
|
2.28x | 12.55x | $121.7M | $23.7M |
|
CCNE
CNB Financial Corp. (Pennsylvania)
|
1.52x | 13.57x | $119.2M | $7M |
First United Corp. has a net margin of 19.46% compared to Tompkins Financial Corp.'s net margin of 22.39%. Tompkins Financial Corp.'s return on equity of 11.34% beat First United Corp.'s return on equity of 13.44%.
| Company | Gross Margin | Earnings Per Share | Invested Capital |
|---|---|---|---|
|
TMP
Tompkins Financial Corp.
|
-- | $1.65 | $1.3B |
|
FUNC
First United Corp.
|
-- | $1.07 | $316.4M |
Tompkins Financial Corp. has a consensus price target of $78.00, signalling upside risk potential of 5.42%. On the other hand First United Corp. has an analysts' consensus of $42.00 which suggests that it could grow by 6.87%. Given that First United Corp. has higher upside potential than Tompkins Financial Corp., analysts believe First United Corp. is more attractive than Tompkins Financial Corp..
| Company | Buy Ratings | Hold Ratings | Sell Ratings |
|---|---|---|---|
|
TMP
Tompkins Financial Corp.
|
0 | 1 | 0 |
|
FUNC
First United Corp.
|
0 | 0 | 0 |
Tompkins Financial Corp. has a beta of 0.823, which suggesting that the stock is 17.709% less volatile than S&P 500. In comparison First United Corp. has a beta of 0.533, suggesting its less volatile than the S&P 500 by 46.718%.
Tompkins Financial Corp. has a quarterly dividend of $0.65 per share corresponding to a yield of 3.39%. First United Corp. offers a yield of 2.34% to investors and pays a quarterly dividend of $0.26 per share. Tompkins Financial Corp. pays 49.14% of its earnings as a dividend. First United Corp. pays out 26.71% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.
Tompkins Financial Corp. quarterly revenues are $121.7M, which are larger than First United Corp. quarterly revenues of $31M. Tompkins Financial Corp.'s net income of $23.7M is higher than First United Corp.'s net income of $6.9M. Notably, Tompkins Financial Corp.'s price-to-earnings ratio is 12.55x while First United Corp.'s PE ratio is 10.25x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Tompkins Financial Corp. is 2.28x versus 2.16x for First United Corp.. Usually stocks with elevated PS ratios are considered overvalued.
| Company | Price/Sales Ratio | Price/Earnings Ratio | Quarterly Revenue | Quarterly Net Income |
|---|---|---|---|---|
|
TMP
Tompkins Financial Corp.
|
2.28x | 12.55x | $121.7M | $23.7M |
|
FUNC
First United Corp.
|
2.16x | 10.25x | $31M | $6.9M |
Shore Bancshares, Inc. has a net margin of 19.46% compared to Tompkins Financial Corp.'s net margin of 16.9%. Tompkins Financial Corp.'s return on equity of 11.34% beat Shore Bancshares, Inc.'s return on equity of 10.27%.
| Company | Gross Margin | Earnings Per Share | Invested Capital |
|---|---|---|---|
|
TMP
Tompkins Financial Corp.
|
-- | $1.65 | $1.3B |
|
SHBI
Shore Bancshares, Inc.
|
-- | $0.43 | $713.1M |
Tompkins Financial Corp. has a consensus price target of $78.00, signalling upside risk potential of 5.42%. On the other hand Shore Bancshares, Inc. has an analysts' consensus of $19.00 which suggests that it could grow by 5.26%. Given that Tompkins Financial Corp. has higher upside potential than Shore Bancshares, Inc., analysts believe Tompkins Financial Corp. is more attractive than Shore Bancshares, Inc..
| Company | Buy Ratings | Hold Ratings | Sell Ratings |
|---|---|---|---|
|
TMP
Tompkins Financial Corp.
|
0 | 1 | 0 |
|
SHBI
Shore Bancshares, Inc.
|
1 | 1 | 0 |
Tompkins Financial Corp. has a beta of 0.823, which suggesting that the stock is 17.709% less volatile than S&P 500. In comparison Shore Bancshares, Inc. has a beta of 0.942, suggesting its less volatile than the S&P 500 by 5.756%.
Tompkins Financial Corp. has a quarterly dividend of $0.65 per share corresponding to a yield of 3.39%. Shore Bancshares, Inc. offers a yield of 2.66% to investors and pays a quarterly dividend of $0.12 per share. Tompkins Financial Corp. pays 49.14% of its earnings as a dividend. Shore Bancshares, Inc. pays out 36.4% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.
Tompkins Financial Corp. quarterly revenues are $121.7M, which are larger than Shore Bancshares, Inc. quarterly revenues of $84.9M. Tompkins Financial Corp.'s net income of $23.7M is higher than Shore Bancshares, Inc.'s net income of $14.3M. Notably, Tompkins Financial Corp.'s price-to-earnings ratio is 12.55x while Shore Bancshares, Inc.'s PE ratio is 10.59x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Tompkins Financial Corp. is 2.28x versus 1.78x for Shore Bancshares, Inc.. Usually stocks with elevated PS ratios are considered overvalued.
| Company | Price/Sales Ratio | Price/Earnings Ratio | Quarterly Revenue | Quarterly Net Income |
|---|---|---|---|---|
|
TMP
Tompkins Financial Corp.
|
2.28x | 12.55x | $121.7M | $23.7M |
|
SHBI
Shore Bancshares, Inc.
|
1.78x | 10.59x | $84.9M | $14.3M |
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