Tompkins Financial Corporation (NYSE American: TMP)
Tompkins Financial Corporation reported net income of $21.0
million for the first quarter of 2019, an increase of 3.0% from the
$20.4 million reported for the same period in 2018. Diluted
earnings per share were $1.37 for the first quarter of 2019, a 3.0%
increase from $1.33 reported for the first quarter of 2018.
President and CEO, Stephen S. Romaine said, “We are excited to
start 2019 with the best first quarter in our Company's history.
Growth in loans and deposits, higher fee income, and improved
credit quality all contributed to the improved results in 2019.
During the quarter we celebrated the grand opening of our office in
Amherst, NY. This is our first office in the Buffalo market and
provides banking, wealth management and insurance services."
Selected highlights for first quarter:
- Diluted earnings per share of $1.37
represent the best first quarter in Company history, and are up
3.0% over the same period in 2018
- Total loans of $4.8 billion were up
1.8% over the same period in 2018
- Total deposits of $5.0 billion reflect
an increase of 1.2% over the same period last year
- Total nonperforming loans were down
8.9% compared to the same period last year, and down 13.6% from
December 31, 2018
- Tangible book value per share is up
14.4% from the first quarter of 2018 and reflects the fifth
consecutive quarterly increase
NET INTEREST INCOME
The net interest margin was 3.34% for the first quarter of 2019,
flat compared to the fourth quarter of 2018, and is down from 3.42%
for the first quarter of 2018. The net interest margin in the prior
year benefited from reduced interest expense associated with
accelerated accretion of purchase accounting related to certain
acquired deposits.
Net interest income of $51.9 million for the first quarter of
2019 decreased by 1.5% compared to the same period in 2018, and was
down 2.5% compared to the fourth quarter of 2018. The decrease in
net interest income over prior year was mainly due to higher cost
on interest-bearing deposits, which was largely driven by the
higher market interest rate environment.
NONINTEREST INCOME
Noninterest income represented 27.2% of total revenues in the
first quarter of 2019, compared to 25.3% in the same period in
2018, and 23.9% for the most recent prior quarter. Noninterest
income of $19.4 million was up 8.8% compared to the same period
last year, and down 2.3% compared to the fourth quarter of 2018.
Insurance revenue was the largest contributor to noninterest income
and reflected an increase of 8.8% over the same period last year.
Noninterest income also included a one-time incentive payment of
$500,000 (pre-tax) related to our card services business in the
first quarter of 2019.
NONINTEREST EXPENSE
Noninterest expense was $44.2 million for the first quarter of
2019, which was up 1.1% from the same period in 2018, and down 6.4%
compared to the fourth quarter of 2018. The increase in noninterest
expense from the same period last year was mainly related to higher
salaries and wages in the first quarter of 2019. The decline from
the most recent prior quarter was primarily due to higher cost in
the fourth quarter of 2018 for professional fees, primarily related
to investments in strengthening the Company’s compliance and
information security infrastructure.
INCOME TAX EXPENSE
The Company’s effective tax rate was 21.0% in the first quarter
of 2019, compared to 22.0% for the same period in 2018.
ASSET QUALITY
Asset quality trends remained strong in the first quarter of
2019. Nonperforming assets represented 0.36% of total assets at
March 31, 2019, down from 0.42% at December 31, 2018. Nonperforming
asset levels continue to be below the most recent Federal Reserve
Board Peer Group Average1 of 0.59%.
Provision for loan and lease losses was $445,000 for the first
quarter of 2019, down from $567,000 reported for the first quarter
of 2018, and $1.6 million reported for the fourth quarter of 2018.
Net charge-offs for the first quarter of 2019 were $3.5 million
compared to $127,000 reported in the first quarter of 2018. The
first quarter of 2019 included a write-down on one large credit in
the commercial real estate portfolio, the credit did have an
impairment reserve at December 31, 2018.
The Company’s allowance for originated loan and lease losses
totaled $40.2 million at March 31, 2019, and represented 0.89% of
total originated loans and leases at March 31, 2019, compared to
0.91% at March 31, 2018, and 0.95% at December 31, 2018. The total
allowance coverage of nonperforming loans and leases increased to
175.50% at March 31, 2019, up from 159.34% at March 31, 2018, and
163.25% at December 31, 2018.
CAPITAL POSITION
Capital ratios remain well above the regulatory well capitalized
minimums. The ratio of tangible common equity to tangible assets
was 8.24% at March 31, 2019, improved from the 7.81% reported for
the most recent prior quarter ended December 31, 2018, and 7.29% at
March 31, 2018.
ABOUT TOMPKINS FINANCIAL CORPORATION
Tompkins Financial Corporation is a financial services company
serving the Central, Western, and Hudson Valley regions of New York
and the Southeastern region of Pennsylvania. Headquartered in
Ithaca, NY, Tompkins Financial is parent to Tompkins Trust Company,
Tompkins Bank of Castile, Tompkins Mahopac Bank, Tompkins VIST
Bank, Tompkins Insurance Agencies, Inc., and offers wealth
management services through Tompkins Financial Advisors. For more
information on Tompkins Financial, visit www.tompkinsfinancial.com.
"Safe Harbor" Statement under the Private Securities
Litigation Reform of 1995:
This press release may include forward-looking statements with
respect to revenue sources, growth, market risk, and corporate
objectives. The Company assumes no duty, and specifically disclaims
any obligation, to update forward-looking statements, and cautions
that these statements are subject to numerous assumptions, risks,
and uncertainties, all of which could change over time. Actual
results could differ materially from forward-looking
statements.
The statements made herein shall not confer upon any person any
rights or remedies of any nature, and shall not be construed to
establish, amend, or modify any benefit plan, program, agreement,
or arrangement, nor to alter any existing at-will employment
relationship between the Company and its employees.
TOMPKINS FINANCIAL CORPORATION CONDENSED
CONSOLIDATED STATEMENTS OF CONDITION (in thousands, except
share and per share data)
As of
As of ASSETS 03/31/2019
12/31/2018 Cash and noninterest bearing balances due
from banks $ 68,531 $ 78,524 Interest bearing balances due from
banks 2,043 1,865
Cash
and Cash Equivalents 70,574 80,389
Available-for-sale securities, at fair
value (amortized cost of $1,359,102 at March 31, 2019 and
$1,363,902 at December 31, 2018)
1,343,610 1,332,658 Held-to-maturity securities, at amortized cost
(fair value of $140,422 at March 31, 2019 and $139,377 at December
31, 2018) 139,642 140,579 Equity securities, at fair value
(amortized cost $1,000 at March 31, 2019 and $1,000 at December 31,
2018) 899 887 Originated loans and leases, net of unearned income
and deferred costs and fees 4,532,803 4,568,741 Acquired loans
256,897 265,198 Less: Allowance for loan and lease losses
40,328 43,410
Net Loans and
Leases 4,749,372 4,790,529 Federal Home
Loan Bank and other stock 45,088 52,262 Bank premises and
equipment, net 96,864 97,202 Corporate owned life insurance 82,571
81,928 Goodwill 92,283 92,283 Other intangible assets, net 7,266
7,628 Accrued interest and other assets 110,550
82,091
Total Assets
$ 6,738,719 $
6,758,436 LIABILITIES Deposits: Interest
bearing: Checking, savings and money market 2,977,593 2,853,190
Time 661,712 637,295 Noninterest bearing 1,350,620
1,398,474
Total Deposits
4,989,925 4,888,959 Federal funds purchased
and securities sold under agreements to repurchase 66,918 81,842
Other borrowings 923,427 1,076,075 Trust preferred debentures
16,906 16,863 Other liabilities 94,276
73,826
Total Liabilities
$ 6,091,452 $
6,137,565 EQUITY Tompkins Financial
Corporation shareholders' equity: Common Stock - par value $.10 per
share: Authorized 25,000,000 shares; Issued: 15,349,988 at March
31, 2019; and 15,348,287 at December 31, 2018 1,535 1,535
Additional paid-in capital 367,245 366,595 Retained earnings
332,779 319,396 Accumulated other comprehensive loss (50,950 )
(63,165 ) Treasury stock, at cost – 117,757 shares at March 31,
2019, and 122,227 shares at December 31, 2018 (4,786 ) (4,902 )
Total Tompkins Financial Corporation Shareholders’ Equity
645,823 619,459 Noncontrolling interests
1,444 1,412
Total
Equity $ 647,267
$ 620,871 Total Liabilities and
Equity $ 6,738,719
$ 6,758,436 TOMPKINS FINANCIAL
CORPORATION CONDENSED CONSOLIDATED STATEMENTS OF CONDITION (In
thousands, except per share data) (Unaudited)
Three Months Ended 03/31/2019
03/31/2018 INTEREST AND DIVIDEND INCOME Loans
$ 55,324 $ 50,894 Due from banks 10 7 Available-for-sale securities
7,858 7,644 Held-to-maturity securities 858 858 Federal Home Loan
Bank and other stock 878 737
Total Interest and Dividend Income
64,928
60,140 INTEREST EXPENSE Time
certificates of deposits of $250,000 or more 586 (14 ) Other
deposits 6,011 2,783 Federal funds purchased and securities sold
under agreements to repurchase 44 46 Trust preferred debentures 329
279 Other borrowings 6,044 4,359
Total Interest Expense
13,014
7,453 Net Interest Income
51,914
52,687 Less: Provision for loan and
lease losses 445 567 Net
Interest Income After Provision for Loan and Lease Losses
51,469 52,120 NONINTEREST
INCOME Insurance commissions and fees 8,045 7,394 Investment
services income 4,084 4,246 Service charges on deposit accounts
1,998 2,132 Card services income 2,790 2,146 Other income 2,478
1,788 Net gain on securities transactions 12
124 Total Noninterest Income
19,407 17,830 NONINTEREST
EXPENSE Salaries and wages 21,101 20,998 Other employee benefits
5,611 5,376 Net occupancy expense of premises 3,601 3,646 Furniture
and fixture expense 1,979 1,975 FDIC insurance 582 667 Amortization
of intangible assets 412 451 Other operating expense
10,923 10,608 Total Noninterest Expenses
44,209 43,721
Income Before Income Tax Expense
26,667
26,229 Income Tax Expense 5,595
5,761 Net Income Attributable to
Noncontrolling Interests and Tompkins Financial Corporation
21,072 20,468 Less: Net
Income Attributable to Noncontrolling Interests 32
32 Net Income Attributable to Tompkins
Financial Corporation
$ 21,040
$ 20,436 Basic Earnings Per Share
$ 1.37 $ 1.34 Diluted Earnings Per
Share
$ 1.37 $
1.33 Average Consolidated Statements
of Condition and Net Interest Analysis (Unaudited)
YTD
Period Ended YTD Period Ended
March 31, 2019 March
31, 2018 Average Average Balance Average Balance Average
(Dollar amounts in thousands) (YTD)
Interest
Yield/Rate
(YTD) Interest
Yield/Rate
ASSETS Interest-earning assets Interest-bearing balances due
from banks $ 2,334 $ 10 1.74% $ 2,565 $ 7 1.11% Securities (4) U.S.
Government securities 1,409,305 8,172 2.35% 1,454,229 7,954 2.22%
State and municipal (5) 94,609 626 2.68% 99,766 643 2.61% Other
securities (5) 3,415 41 4.87%
3,571 35 3.97% Total securities
1,507,329 8,839 2.38% 1,557,566 8,632 2.25% FHLBNY and FRB stock
48,055 878 7.41% 49,509 737 6.04% Total loans and leases,
net of unearned income (5)(6) 4,792,607
55,614 4.71% 4,688,087 51,229
4.43%
Total interest-earning assets
6,350,325 65,341 4.17%
6,297,727 60,605 3.90%
Other assets 393,035 355,036
Total
assets $
6,743,360
$
6,652,763
LIABILITIES & EQUITY
Deposits Interest-bearing deposits Interest bearing checking,
savings & money market $ 2,940,416 4,470 0.62% $ 2,796,197
1,646 0.24% Time deposits 645,144
2,127 1.34% 717,617
1,123 0.63% Total interest-bearing deposits
3,585,560 6,597 0.75% 3,513,814 2,769 0.32% Federal funds
purchased & securities sold under agreements to repurchase
72,664 44 0.25% 75,167 46 0.25% Other borrowings 993,773 6,044
2.47% 1,053,311 4,359 1.68% Trust preferred debentures
16,878 329 7.90% 16,706
279 6.77%
Total interest-bearing liabilities
4,668,875 13,014 1.13% 4,658,998
7,453 0.65% Non-interest bearing deposits
1,338,623 1,351,307 Accrued expenses and other liabilities 105,131
67,495
Total liabilities 6,112,629 6,077,800 Tompkins
Financial Corporation Shareholders’ equity 629,305 573,536
Noncontrolling interest 1,426 1,427
Total equity
630,731 574,963 Total liabilities and
equity $ 6,743,360 $ 6,652,763
Interest rate spread
3.04%
3.25% Net interest income/margin on earning assets
52,327 3.34% 53,152 3.42% Tax
equivalent adjustments
(413) (465) Net
interest income per consolidated financial statements
$ 51,914
$ 52,687
Tompkins Financial Corporation - Summary Financial Data
(Unaudited)
(In thousands, except per share data)
Quarter-Ended
Year-Ended
Period End Balance Sheet Mar-19 Dec-18
Sep-18 Jun-18 Mar-18
Dec-18 Securities $ 1,484,151 $ 1,474,124
$1,452,788 $ 1,483,991 $ 1,510,795 $
1,474,124 Originated loans and leases, net of unearned income and
deferred costs and fees (2) 4,532,803
4,568,741 4,531,241 4,507,006
4,408,081 4,568,741 Acquired loans and leases
(3) 256,897 265,198
271,468 284,187 296,765
265,198 Allowance for loan and lease losses 40,328
43,410 41,358 41,225
40,211 43,410 Total assets
6,738,719 6,758,436 6,746,960
6,745,800 6,648,128
6,758,436 Total deposits 4,989,925
4,888,959 5,025,082 4,792,229
4,929,903 4,888,959
Federal funds purchased and securities
sold under agreements to repurchase
66,918 81,842 52,875
52,042 69,131 81,842
Other borrowings 923,427 1,076,075
988,515 1,229,956 995,074
1,076,075 Trust preferred debentures
16,906 16,863 16,820
16,777 16,734 16,863 Total common
equity 645,823 619,459
597,636 589,173 577,967
619,459 Total equity 647,267 620,871
599,144 590,649 579,411
620,871
Average Balance Sheet
Average earning assets $
6,350,325 $ 6,364,113
$
6,356,781
$ 6,348,562
$
6,297,727 $ 6,342,019 Average assets 6,743,360
6,710,944
6,716,452
6,689,649 6,652,763
6,692,678 Average interest-bearing liabilities
4,668,875 4,606,536
4,644,533
4,709,122 4,658,998
4,654,625 Average equity 630,731
606,238
597,211
584,951 574,963 590,944
Share data
Weighted average shares outstanding
(basic)
15,060,175
15,057,673
15,047,405
15,038,061
15,013,478
15,039,229
Weighted average shares outstanding (diluted)
15,136,523
15,135,750
15,144,491
15,135,970
15,112,518
15,132,257
Period-end shares outstanding
15,314,078
15,312,377
15,277,915
15,278,430
15,285,335
15,312,377
Common equity book value per share
$
42.17
$
40.45
$
39.12
$
38.56
$
37.81
$
40.45 Tangible book value per share (Non-GAAP)
$
35.73
$
33.98
$
32.60
$
32.02
$
31.24
$
33.98
Income Statement
Net interest income
$ 51,914 $ 53,236 $ 53,163 $ 52,714
$ 52,687 $ 211,800 Provision for loan/lease losses
445 2,058 272
1,045 567 3,942 Noninterest
income 19,407 19,858
18,603 21,158 17,830
77,449 Noninterest expense 44,209
47,228 45,133 44,985
43,721 181,067 Income tax expense 5,595
4,866 5,427 5,751
5,761 21,805 Net income attributable to
Tompkins Financial Corporation 21,040
18,911 20,902 22,059
20,436 82,308 Noncontrolling interests
32 31 32 32
32 127 Basic earnings per share (8) $ 1.37
$ 1.24 $ 1.37 $ 1.44 $ 1.34 $
5.39 Diluted earnings per share (8) $ 1.37 $ 1.23
$ 1.36 $ 1.43 $ 1.33 $ 5.35
Nonperforming Assets
Originated nonaccrual loans and
leases $ 15,165 $ 19,340 $ 17,518 $
19,082 $ 18,429 $ 19,340 Acquired nonaccrual loans
and leases 2,579 2,856
2,659 2,673 3,352 2,856
Originated loans and leases 90 days past due and accruing
0 0 0 0
0 0 Troubled debt restructurings not included
above 5,234 4,395 4,295
4,324 3,455 4,395 Total
nonperforming loans and leases 22,978
26,591 24,472 26,079
25,236 26,591 OREO 1,595
1,595 1,870 2,233 2,047
1,595 Total nonperforming assets $ 24,573
$ 28,186 $ 26,342 $ 28,312 $ 27,283
$ 28,186
Tompkins Financial Corporation - Summary Financial Data
(Unaudited) – continued
Quarter-Ended
Year-Ended
Delinquency - Originated loan and lease portfolio
Mar-19 Dec-18 Sep-18
Jun-18 Mar-18 Dec-18 Loans and
leases 30-89 days past due and
accruing (2) $ 4,193 $ 7,838 $
6,454 $ 5,875 $ 6,513 $
7,838 Loans and leases 90 days past due and accruing (2)
0 0 0
0 0 0 Total
originated loans and leases past due and accruing (2)
4,193 7,838 6,454
5,875 6,513
7,838
Delinquency - Acquired loan and lease
portfolio
Loans 30-89 days
past due and accruing (3)(7) $ 474 $ 67
$ 1,109 $ 1,108 $ 823
$ 67 Loans 90 days or more past due 1,218
1,316 1,420
1,110 1,077 1,316
Total acquired loans and leases past due and accruing
1,692 1,383 2,529
2,218 1,900
1,383 Total loans and leases past due and accruing $ 5,885
$ 9,221 $ 8,983 $ 8,093
$ 8,413 $ 9,221
Allowance for Loan Losses - Originated loan and lease
portfolio
Balance at
beginning of period $ 43,321 $ 41,289
$ 41,111 $ 40,107 $ 39,686
$ 39,686 Provision for loan and lease losses
480 2,046 208
1,035 608
3,897 Net loan and lease (recoveries) charge-offs
3,556 14 30
31 187 262
Allowance for loan and lease losses (originated loan portfolio) -
balance at end of period $ 40,245 $ 43,321
$ 41,289 $ 41,111 $
40,107 $ 43,321
Allowance for Loan
Losses - Acquired loan and lease portfolio
Balance at beginning of period $ 89
$ 69 $ 114 $ 104 $
85 $ 85 Provision (credit) for loan and lease losses
(35 ) 12 64
10 (41 ) 45 Net
loan and lease (recoveries) charge-offs (29 )
(8 ) 109 0
(60 ) 41 Allowance for loan and lease losses
(acquired loan portfolio) - balance at end of period
83 89 69
114 104 89
Total allowance for loan and
lease losses 40,328 $ 43,410
$ 41,358 $ 41,225 $ 40,211
$ 43,410
Loan Classification - Originated
Portfolio
Special Mention
$ 33,689 $ 28,074 $ 34,245
$ 44,068 $ 34,546 $
28,074 Substandard 35,895 43,963
49,597 41,572
35,746 43,963
Loan
Classification - Acquired Portfolio
Special Mention 270 452
465 469
476 452 Substandard 2,830
2,914 3,041
3,180 3,468 2,914
Loan Classifications – Total Portfolio
Special Mention 33,959
28,526 34,710
44,537 35,022 28,526
Substandard
2,830
2,914
3,041
3,180
3,468
2,914
Ratio Analysis
Credit Quality
Nonperforming loans and
leases/total loans and leases (7) 0.48%
0.55% 0.51% 0.54% 0.54%
0.55% Nonperforming assets/total assets
0.36% 0.42% 0.39% 0.42%
0.41% 0.42% Allowance for originated
loan and lease losses/total originated loans and leases
0.89% 0.95% 0.91%
0.91% 0.91% 0.95%
Allowance/nonperforming loans and leases 175.51%
163.25% 169.00% 158.11%
159.34% 163.25% Net loan and lease
losses annualized/total average loans and leases
0.30% 0.00% 0.01% 0.00%
0.01% 0.01%
Tompkins Financial Corporation - Summary Financial Data
(Unaudited) - continued
Year-Ended
Capital Adequacy (period-end) Mar-19
Dec-18 Sep-18 Jun-18 Mar-18 Dec-18
Tangible common equity/tangible assets 8.24%
7.81% 7.49% 7.36% 7.29% 7.81%
Profitability
Return on average assets *
1.27% 1.12% 1.23% 1.32% 1.25%
1.23% Return on average equity * 13.53%
12.38% 13.89% 15.13% 14.41% 13.93% Net
interest margin (TE) * 3.34% 3.34%
3.35% 3.36% 3.42% 3.37% * Quarterly ratios
have been annualized
Non-GAAP Measures
This press release contains financial information determined by
methods other than in accordance with accounting principles
generally accepted in the United States of America (GAAP). Where
non-GAAP disclosures are used in this press release, the comparable
GAAP measure, as well as reconciliation to the comparable GAAP
measure, is provided in the accompanying tables. Management
believes that these non-GAAP measures provide useful information.
Non-GAAP measures should not be considered a substitute for
financial measures determined in accordance with GAAP and investors
should consider the Company's performance and financial condition
as reported under GAAP and all other relevant information when
assessing the performance or financial condition of the Company.
See "Tompkins Financial Corporation - Summary Financial Data
(Unaudited)" tables for Non-GAAP related calculations.
Non-GAAP Disclosure - Adjusted Diluted Earnings Per Share
Quarter-Ended Year-Ended
Mar-19 Dec-18 Sep-18
Jun-18 Mar-18 Dec-18 Net
income available to common shareholders $ 21,040 $
18,911 $ 20,902 $ 22,059 $ 20,436 $
82,308
Income attributable to unvested
stock-basedcompensation awards
349 291 318
359 347 1,315 Net earnings allocated to
common shareholders 20,691 18,620
20,584 21,700 20,089
80,993 Remeasurement of net deferred taxes
0 0 0 0
0 0 Gain on sale of real estate, net of tax
0 0 0 2,227
0 2,227 Write-down of impaired leases,
net of tax 0 0 (388)
(1,527) 0 (1,915) Net
income (Non-GAAP) 20,691 18,620
20,972 21,000 20,089
80,681 Weighted average shares outstanding (diluted)
15,136,523 15,135,750 15,144,491 15,135,970
15,112,518 15,132,257 Adjusted diluted earnings per
share (Non-GAAP) $ 1.37 $ 1.23 $ 1.38 $
1.39 $ 1.33 $ 5.33
Non-GAAP Disclosure - Tangible Book
Value Per Share
Total common equity $ 645,823 $ 619,459 $
597,636 $ 589,173 $ 577,967 $ 619,459 Less:
Goodwill and intangibles (9) 98,694
99,106 99,543 99,983
100,436 99,106 Tangible common equity
547,129 520,353 498,093
489,190 477,531 520,353 Ending shares
outstanding 15,314,078 15,312,377 15,277,915
15,278,430 15,285,335 15,312,377 Tangible book
value per share (Non-GAAP) $ 35.73 $ 33.98 $
32.60 $ 32.02 $ 31.24 $ 33.98
(1) Federal Reserve peer ratio as of December 31, 2018, includes
banks and bank holding companies with consolidated assets between
$3 billion and $10 billion.(2) "Originated" equals loans and leases
not included by definition in "acquired loans".(3) "Acquired Loans
and Leases" equals loans and leases acquired at fair value,
accounted for in accordance with FASB ASC Topic 805.(4) Average
balances and yields on available-for-sale securities are based on
historical amortized cost.(5) Interest income includes the tax
effects of taxable-equivalent basis.(6) Nonaccrual loans are
included in the average asset totals presented above. Payments
received on nonaccrual loans have been recognized as disclosed in
Note 1 of the Company's consolidated financial statements included
in Part I of the Company's annual report on Form 10-K for the
fiscal year ended December 31, 2018.(7) Certain acquired loans and
leases that are past due are not on nonaccrual and are not included
in nonperforming loans. The risk of credit loss on these loans has
been considered by virtue of the Corporation's estimate of
acquisition-date fair value and these loans are considered accruing
as the Corporation primarily recognizes interest income through
accretion of the difference between the carrying value of these
loans and their expected cash flows.(8)Earnings per share
year-to-date may not equal the sum of the quarterly earnings per
share as a result of rounding of average shares(9) "Goodwill and
intangibles" equal Total Intangible Assets less Mortgage Servicing
Rights in the above tables.
View source
version on businesswire.com: https://www.businesswire.com/news/home/20190426005107/en/
For more information:Stephen S. Romaine, President &
CEOFrancis M. Fetsko, Executive VP, CFO & COOTompkins Financial
Corporation (888) 503-5753
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