Carlyle Secured Lending vs Tompkins Financial

This page compares Carlyle Secured Lending and Tompkins Financial Corp, examining their business models, financial performance, and the market context in which they operate. It presents neutral, accessible information to help readers understand how each company approaches lending and community banking. Educational content, not financial advice.

This page compares Carlyle Secured Lending and Tompkins Financial Corp, examining their business models, financial performance, and the market context in which they operate. It presents neutral, acces...

Comparison Snapshot

Key Financial Metrics

CGBD

Metric

TMP

$928.78M

Market Cap

$1.08B

2.87%

Potential Profit

-1.60%

Hold

Analyst Rating

Buy

Investment Analysis

Carlyle Secured Lending

CGBD

Pros

Specializes in first lien and senior secured loans targeting middle-market companies with EBITDA between $25 million and $100 million.
Portfolio primarily consists of secured obligations backed by company assets, providing downside protection against credit volatility.
Floating-rate loan exposure designed to benefit from rising interest rate environments, enhancing yield potential.

Considerations

Non-diversified closed-end fund structure may expose investors to concentration risk in credit and sector selection.
Dependent on the creditworthiness of middle-market companies, which can be more vulnerable to economic downturns.
Externally managed structure introduces potential conflicts of interest and management fee expenses that may affect returns.

Tompkins Financial

TMP

Pros

Tompkins Financial benefits from a strong regional banking franchise focused on community banking and wealth management.
Consistent profitability supported by diversified revenue streams including loans, deposits, and fee income.
Solid balance sheet with prudent risk management and a history of stable asset quality.

Considerations

Exposure to interest rate fluctuations can pressure net interest margins in a low or volatile rate environment.
Regional footprint limits growth prospects compared to larger national banks or diversified financial firms.
Increasing competition and regulatory costs could impact operational efficiency and profitability.

About The Companies

Carlyle Secured Lending (CGBD)

Carlyle Secured Lending Inc (CGBD) is a publicly listed business development company (BDC) that primarily provides secured loans to middle‑market companies. Managed by an affiliate of the Carlyle Group, it seeks current income through interest and fee-bearing private credit positions, often first‑lien or otherwise secured. With a market capitalisation around $915.7m, CGBD appeals to investors seeking income and portfolio diversification away from traditional equities and bonds. Key considerations include sensitivity to credit cycles, manager alignment and fees, leverage levels within the BDC structure, and fair value of underlying loan assets. Dividends are an important part of the investment case but are not guaranteed and can fluctuate with realised returns and provisioning for credit losses. This summary is educational only and not personalised financial advice; suitability depends on your objectives, time horizon and risk tolerance. Always check the latest filings and consult a regulated adviser before investing.

Tompkins Financial (TMP)

Tompkins Financial Corporation is a community-focused financial services company based in the United States. It primarily serves regions across New York and Pennsylvania through its main segments: banking and wealth management. The banking division offers a comprehensive suite of services, including personal and commercial loans, deposits, credit cards, and digital banking solutions. It has a notable presence in agricultural and real estate lending within its operating areas. The wealth management arm, operating as Tompkins Financial Advisors, provides individuals and businesses with investment management, financial planning, and trust and estate services. This dual focus allows the organisation to cater to a broad spectrum of financial needs, from everyday banking to long-term wealth strategy. For potential investors, it represents a regionally-focused financial institution with a diversified business model. However, like any investment, its value can go down as well as up, and past performance is not indicative of future returns.

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Which Baskets Do They Appear In?

Investing In The Fed's High-Rate Hold

The Federal Reserve has decided to maintain its current interest rate, signaling a period of caution amidst economic uncertainty and political pressure. This environment favors investment in financially resilient companies that are not heavily reliant on borrowing and can navigate a stable but uncertain rate landscape.

Published: July 31, 2025

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Harley-Davidson is negotiating the sale of a stake in its financing arm, a strategic move to raise significant capital. This theme focuses on other manufacturers with large, valuable financing units that could be prime candidates for similar spin-offs or sales to unlock value.

Published: July 29, 2025

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This carefully selected group of stocks captures the trillion-dollar shift as traditional banks enter the private lending arena. Our professional analysts have identified key Business Development Companies (BDCs) and specialized funds that stand to benefit from this growing financial trend.

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Comparison Snapshot