Tompkins Financial Corporation (TMP) AI Stock Analysis

• Market Cap: $928.26M
• Dividend Yield: 3.77%
• Average Volume (3M): 46.20K
• Price to Earnings (P/E): 10.8
• Beta (1Y): 0.89
• Revenue Growth: 9.55%
• EPS Growth: 27.32%
• Country: US
• Employees: 941
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.65
• Shares Outstanding: 14,431,880
• 10 Day Avg. Volume: 44,613
• 30 Day Avg. Volume: 46,202
• PEG Ratio: 0.02
• Price to Book (P/B): 1.35
• Price to Sales (P/S): 2.23
• P/FCF Ratio: 10.87
• Enterprise Value/Market Cap: 1.51
• Enterprise Value/Revenue: 3.20
• Enterprise Value/Gross Profit: 6.11
• Enterprise Value/Ebitda: 12.47
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 68 Neutral
• Price Target: $72.00 ▲(10.85% Upside)

The overall stock score for Tompkins Financial Corporation is driven primarily by its strong financial performance and attractive valuation. The company's steady revenue growth and improved profitability margins are significant strengths. However, technical analysis indicates a bearish trend, which slightly offsets the positive financial and valuation aspects.

Tompkins Financial Corporation Business Overview & Revenue Model

Company Description

Tompkins Financial Corporation (TMP) is a diversified financial services company based in the United States, primarily engaged in banking, insurance, and investment management. The company operates through several subsidiaries, including community banks, insurance agencies, and wealth management firms, providing a wide range of services such as personal and commercial banking, mortgage lending, insurance products, and investment advisory services. With a focus on serving individuals, families, and businesses, Tompkins Financial aims to deliver comprehensive financial solutions tailored to meet the diverse needs of its clients.

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 demonstrates a robust financial performance with steady revenue growth and improved profitability margins. The balance sheet shows reduced leverage and strong equity, contributing to financial stability. However, the decline in free cash flow growth and low operating cash flow coverage ratio highlight areas for improvement in cash flow management.

Income Statement

Tompkins Financial Corporation shows a solid performance in its income statement with a consistent revenue growth rate of 2.07% TTM, despite a slight decline in gross profit margin from previous years. The net profit margin has improved to 19.35% TTM, indicating enhanced profitability. However, the EBIT and EBITDA margins have seen a moderate increase, suggesting room for operational efficiency improvements.

Balance Sheet

The balance sheet reflects a stable financial position with a debt-to-equity ratio of 0.67 TTM, which is a significant improvement from previous years, indicating reduced leverage. The return on equity is at 11.24% TTM, showing effective utilization of equity, although slightly lower than past performance. The equity ratio remains strong, supporting financial stability.

Cash Flow

Cash flow analysis reveals a decrease in free cash flow growth rate by 8.20% TTM, which could be a concern for future liquidity. However, the free cash flow to net income ratio is strong at 1.05, indicating good cash generation relative to net income. The operating cash flow coverage ratio is low, suggesting potential challenges in covering operating expenses with cash flow.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	436.51M	431.65M	303.36M	324.74M	316.63M	281.99M
Gross Profit	228.92M	288.56M	211.18M	300.90M	301.33M	208.54M
EBITDA	112.10M	92.98M	12.12M	109.71M	114.57M	97.66M
Net Income	84.48M	70.85M	9.51M	85.03M	89.26M	77.59M
Balance Sheet
Total Assets	8.47B	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	525.67M	790.25M	653.10M	347.58M	190.79M	344.06M
Total Liabilities	7.68B	7.40B	7.15B	7.05B	7.09B	6.90B
Stockholders Equity	788.80M	713.44M	668.52M	615.98M	727.53M	716.28M
Cash Flow
Free Cash Flow	97.74M	88.76M	82.24M	95.17M	116.44M	96.84M
Operating Cash Flow	99.32M	94.97M	89.00M	103.34M	121.18M	101.39M
Investing Cash Flow	-395.64M	-250.44M	-146.30M	-8.44M	-583.29M	-643.72M
Financing Cash Flow	357.49M	210.33M	59.00M	-80.17M	136.76M	792.81M

Tompkins Financial Corporation Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 64.95
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TMP, the sentiment is Negative. The current price of 64.95 is above the 20-day moving average (MA) of 64.88, below the 50-day MA of 67.34, and above the 200-day MA of 64.16, indicating a neutral trend. The MACD of -0.54 indicates Negative momentum. The RSI at 45.04 is Neutral, neither overbought nor oversold. The STOCH value of 47.91 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for TMP.

Tompkins Financial Corporation Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
OSBC	―	$956.39M	12.15	9.24%	1.31%	10.42%	-18.32%
BHRB	―	$926.89M	8.76	13.70%	3.57%	53.68%	290.49%
OCFC	―	$1.06B	14.62	4.77%	4.14%	-2.40%	-25.32%
CTBI	―	$933.06M	9.90	11.72%	3.77%	10.15%	17.67%
TMP	―	$928.26M	10.84	11.20%	3.77%	9.55%	27.32%
FMBH	―	$844.71M	10.30	9.87%	2.76%	5.18%	13.05%
Sector *	―	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Tompkins Financial Corporation Corporate Events

Tompkins Financial Declares Dividend Amid Earnings Growth

On October 23, 2025, Tompkins Financial Corporation‘s Board of Directors declared a dividend of $0.65 per share, payable on November 14, 2025. The company reported improved financial results for the third quarter of 2025, with a 10% increase in diluted earnings per share compared to the previous quarter, and a 27% increase compared to the same quarter in 2024. Net income rose to $23.7 million, driven by growth in net interest margin and loan and deposit expansion. The company’s strategic investments have led to increased expenses, but also positioned it well for continued growth and community support.

The most recent analyst rating on (TMP) stock is a Hold with a $65.00 price target. To see the full list of analyst forecasts on Tompkins Financial Corporation stock, see the TMP Stock Forecast page.