Tompkins Financial Corporation (TMP) AI Stock Analysis

• Market Cap: $1.02B
• Dividend Yield: 3.5%
• Average Volume (3M): 49.13K
• Price to Earnings (P/E): 12.5
• Beta (1Y): 0.87
• Revenue Growth: 31.82%
• EPS Growth: 460.57%
• Country: US
• Employees: 941
• Sector: Financial
• Sector Strength: 72
• Industry: Banks - Regional
• EPS (TTM): 1.50
• Shares Outstanding: 14,431,575
• 10 Day Avg. Volume: 43,447
• 30 Day Avg. Volume: 49,130
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 1.58
• Enterprise Value/Revenue: 4.21
• Enterprise Value/Gross Profit: 5.23
• Enterprise Value/Ebitda: 65.18
• 1Y Price Target: $78.00
• Price Target Upside: 9.98% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 72 Outperform
• Price Target: $74.00 ▲(4.34% Upside)

Tompkins Financial Corporation's strong balance sheet and recent corporate actions, such as the dividend declaration and stock buyback, are key strengths. The technical indicators suggest a positive trend, while the valuation remains attractive. However, challenges in revenue generation and net income pose risks that need to be addressed.

Tompkins Financial Corporation Business Overview & Revenue Model

Company Description

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.

How the Company Makes Money

Tompkins Financial Corporation generates revenue through multiple key streams. Its banking operations earn money primarily through interest income from loans and mortgages, as well as fees from various banking services such as account maintenance, transaction fees, and ATM usage. The insurance segment contributes revenue through premiums collected from policyholders for various insurance products, including life, health, and property insurance. Additionally, the investment management division generates income through fees for managing assets and providing financial advice. The company also benefits from strategic partnerships with local businesses and community organizations, enhancing its market presence and client base, which further supports its overall earnings.

Tompkins Financial Corporation Financial Statement Overview

Summary

Tompkins Financial Corporation exhibits a strong balance sheet with zero debt and a solid equity base, despite recent challenges in generating revenue and net income. The cash flow remains robust, although the lack of recent income indicates potential risks. Continued focus on stabilizing revenue and profitability will be crucial moving forward.

Income Statement

The income statement shows significant fluctuations in revenue over recent years, with a notable decline to zero in 2024. Despite achieving a healthy EBIT in the TTM, the lack of revenue and net income presents a substantial risk. Historical data indicated stable gross and net profit margins up to 2023.

Balance Sheet

Tompkins Financial Corporation maintains a strong equity position with a rising stockholders' equity over time. The company has successfully reduced its total debt to zero in 2024, significantly improving the debt-to-equity ratio. However, the equity ratio has shown some volatility, reflecting changes in total assets and liabilities.

Cash Flow

The cash flow statement reveals consistent operating cash flow, supported by positive free cash flow growth. The operating cash flow to net income ratio is robust, although the lack of current net income poses risks. Historical data shows a generally stable free cash flow to net income ratio.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	381.22M	292.62M	215.42M	305.46M	304.86M	281.99M
Gross Profit	306.83M	288.56M	215.52M	300.90M	301.33M	281.99M
EBITDA	24.61M	103.45M	20.55M	121.27M	126.14M	109.34M
Net Income	79.45M	70.85M	9.51M	85.03M	89.26M	77.59M
Balance Sheet
Total Assets	8.37B	8.11B	7.82B	7.67B	7.82B	7.62B
Cash, Cash Equivalents and Short-Term Investments	1.37B	1.37B	1.50B	1.67B	2.11B	2.02B
Total Debt	799.81M	790.25M	653.10M	347.58M	190.79M	344.06M
Total Liabilities	7.61B	7.40B	7.15B	7.05B	7.09B	6.90B
Stockholders Equity	761.79M	713.44M	668.52M	615.98M	727.53M	716.28M
Cash Flow
Free Cash Flow	89.89M	88.76M	82.24M	95.17M	116.44M	96.84M
Operating Cash Flow	85.38M	94.97M	89.00M	103.34M	121.18M	101.39M
Investing Cash Flow	-327.36M	-250.44M	-146.30M	-8.44M	-583.29M	-643.72M
Financing Cash Flow	383.62M	210.33M	59.00M	-80.17M	136.76M	792.81M

Tompkins Financial Corporation Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 70.92
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TMP, the sentiment is Positive. The current price of 70.92 is above the 20-day moving average (MA) of 65.70, above the 50-day MA of 64.68, and above the 200-day MA of 64.90, indicating a bullish trend. The MACD of 1.60 indicates Negative momentum. The RSI at 67.28 is Neutral, neither overbought nor oversold. The STOCH value of 91.82 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for TMP.

Tompkins Financial Corporation Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CTBI	78 Outperform	$1.06B	11.44	11.99%	3.20%	10.85%	17.66%
AMAL	76 Outperform	$893.94M	8.78	14.78%	1.82%	6.94%	3.96%
BRKL	74 Outperform	$996.19M	12.53	6.43%	4.83%	2.23%	2.59%
SBSI	74 Outperform	$937.90M	11.07	10.65%	4.59%	3.54%	4.47%
TMP	72 Outperform	$1.02B	12.52	11.06%	3.50%	31.82%	460.57%
Sector *	68 Neutral	$17.84B	12.03	10.32%	3.73%	9.70%	0.76%
CNOB	68 Neutral	$1.28B	29.55	2.75%	2.83%	3.58%	-52.78%

Tompkins Financial Corporation Corporate Events

Tompkins Financial Declares Dividend, Announces Stock Buyback

On July 24, 2025, Tompkins Financial Corporation‘s Board of Directors declared a dividend of $0.62 per share, payable on August 15, 2025. The following day, the company announced a new stock repurchase program, replacing the previous one, allowing for the repurchase of up to 400,000 shares over the next 24 months. This move is part of the company’s capital management strategies, reflecting its strong financial performance in the second quarter of 2025, where it reported a 9.5% increase in diluted earnings per share from the previous quarter and a 36.4% increase from the same quarter in 2024. The company also saw significant growth in net income, loans, and deposits, indicating robust operational momentum and a well-positioned balance sheet to support future growth.