Tompkins Financial Corporation (TMP)
:TMP
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TMP Stock Chart & Stats
$85.68
$0.37(0.56%)
At close: 4:00 PM EST
$85.68
$0.37(0.56%)
Day’s Range― - ―
52-Week Range$59.67 - $86.95
Previous CloseN/A
Volume8.68K
Average Volume (3M)60.99K
Market Cap
$1.18B
Enterprise Value$1.68B
Total Cash (Recent Filing)$68.67M
Total Debt (Recent Filing)$567.58M
Price to Earnings (P/E)10.8
Beta0.79
Next Earnings
Jul 24, 2026EPS Estimate
1.82Next Dividend Ex-DateN/A
Dividend Yield3.39%
Share Statistics
EPS (TTM)11.74
Shares Outstanding14,382,941
10 Day Avg. Volume79,094
30 Day Avg. Volume60,992
Financial Highlights & Ratios
PEG Ratio0.05
Price to Book (P/B)1.10
Price to Sales (P/S)1.79
P/FCF Ratio32.35
Enterprise Value/Market Cap1.42
Enterprise Value/Revenue2.90
Enterprise Value/Gross Profit3.81
Enterprise Value/Ebitda7.13
Forecast
1Y Price Target
$88.50Price Target Upside3.29% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)7.37
Revenue Forecast (FY)$350.02M
Bulls Say, Bears Say
Bulls Say
High And Improving ProfitabilitySustained high margins and rising ROE indicate durable earnings power and pricing/expense discipline across the franchise. Strong profitability supports organic capital accumulation, dividend capacity and resilience through credit or rate cycles, reducing reliance on growth to sustain returns.
Improving Leverage ProfileA materially lower debt-to-equity versus recent peaks signals a healthier capital structure and greater financial flexibility. Improved leverage reduces regulatory and refinancing risk, strengthening capacity for lending, capital returns, or opportunistic M&A over the medium term.
Diversified Banking, Wealth And Insurance ModelMultiple fee and interest revenue streams provide structural diversification: core NII growth from lending and reinvested securities plus recurring wealth/insurance fees supports more stable earnings across cycles and reduces dependence on any single line for medium-term cash generation.
Bears Say
Flattening Revenue GrowthNear-zero top-line growth after prior rebound means earnings gains depend more on margin expansion and cost control than organic revenue momentum. This narrows the margin for error if margins compress or loan growth slows, making durable earnings harder to sustain without new revenue drivers.
Volatile Operating Cash ConversionInconsistent conversion of accounting earnings into operating cash raises questions about cash quality and timing. That volatility can constrain reliable capital deployment, dividend sustainability or buffer for credit stress, especially if revenue growth remains muted.
Lower Noninterest Income After Insurance SaleDisposition of insurance operations removed a recurring fee and commission stream, reducing diversification of revenue. While expense savings help near-term margins, the loss of a durable fee base increases reliance on NII and makes earnings more sensitive to loan/deposit and rate cycles over the medium term.
Tompkins Financial Corporation News
TMP FAQ
What was Tompkins Financial Corporation’s price range in the past 12 months?
Tompkins Financial Corporation lowest stock price was $59.67 and its highest was $86.95 in the past 12 months.
What is Tompkins Financial Corporation’s market cap?
Tompkins Financial Corporation’s market cap is $1.18B.
When is Tompkins Financial Corporation’s upcoming earnings report date?
Tompkins Financial Corporation’s upcoming earnings report date is Jul 24, 2026 which is in 68 days.
How were Tompkins Financial Corporation’s earnings last quarter?
Tompkins Financial Corporation released its earnings results on Apr 24, 2026. The company reported $1.82 earnings per share for the quarter, beating the consensus estimate of $1.755 by $0.065.
Is Tompkins Financial Corporation overvalued?
According to Wall Street analysts Tompkins Financial Corporation’s price is currently Undervalued.
Does Tompkins Financial Corporation pay dividends?
Tompkins Financial Corporation pays a Quarterly dividend of $0.65 which represents an annual dividend yield of 3.39%. See more information on Tompkins Financial Corporation dividends here
What is Tompkins Financial Corporation’s EPS estimate?
Tompkins Financial Corporation’s EPS estimate is 1.82.
How many shares outstanding does Tompkins Financial Corporation have?
Tompkins Financial Corporation has 14,382,941 shares outstanding.
What happened to Tompkins Financial Corporation’s price movement after its last earnings report?
Tompkins Financial Corporation reported an EPS of $1.82 in its last earnings report, beating expectations of $1.755. Following the earnings report the stock price went down -2.822%.
Which hedge fund is a major shareholder of Tompkins Financial Corporation?
Currently, no hedge funds are holding shares in TMP
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Tompkins Financial Corporation Stock Smart Score
Neutral
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Analyst Consensus
Moderate Buy
Average Price Target:
$88.50 (3.29% Upside)
$88.50 (3.29% Upside)
Blogger Sentiment
Bullish
TMP Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 24.9K Shares
Last Quarter.
Last Quarter.
Technicals
SMA
Positive
20 days / 200 days
Momentum
12.52%
12-Months-Change
Fundamentals
Return on Equity
19.50%
Trailing 12-Months
Asset Growth
6.05%
Trailing 12-Months
Company Description
Tompkins Financial Corporation
Tompkins Financial Corporation, a financial holding company, provides commercial and consumer banking, leasing, trust and investment management, financial planning and wealth management, and insurance services. The company operates in three segments: Banking, Insurance, and Wealth Management. It accepts various deposit products, including checking accounts, savings accounts, time deposits, and IRA products, as well as brokered, reciprocal, and municipal money market deposits. The company also offers loans for various business purposes, including real estate financing, construction, equipment financing, accounts receivable financing, and commercial leasing; residential mortgage loans; personal loans; residential real estate loans; home equity loans; commercial and industrial loans; commercial real estate loans; agriculture loans; and consumer loans, such as personal installment loans, direct and indirect automobile financing, and overdraft lines of credit. In addition, it provides letters of credit and sweep accounts; credit and debit cards; and deposit and cash management, internet-based account, remote deposit, safe deposit, voice response, ATM, and mobile and internet banking services. Further, the company offers investment management, trust and estate, and financial and tax planning services; property and casualty, medical, life, disability, and long-term care insurance services; employee benefit consulting services; and insurance planning services. It primarily serves individuals, corporate executives, small business owners, and high net worth individuals. The company operates through a network of 63 banking offices, including 43 offices in New York and 20 offices in Pennsylvania. Tompkins Financial Corporation was founded in 1836 and is headquartered in Ithaca, New York.
TMP Stock 12 Month Forecast
Average Price Target
$88.50
▲(3.29% Upside)
Technical Analysis
Oceanfirst Financial
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Old Second Bancorp
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Community Bancorp
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First Mid-Illinois Bancshares
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Burke & Herbert Bank & Company
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Ownership Overview
2.45% Insiders
15.51% Mutual Funds
14.43% Other Institutional Investors
40.28% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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