Tompkins Financial Corporation (TMP)
:TMP
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Tompkins Financial Corporation
(TMP)
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Rating:67Neutral
Price Target:
$81.00
â–¼(-0.01% Downside)
Action:DowngradedDate:03/17/26
The score is driven primarily by improved profitability and balance-sheet leverage, tempered by a significant cash-flow deterioration that raises earnings-quality risk. Valuation is a major positive (low P/E and solid yield), while technical indicators point to weak near-term momentum; corporate updates are broadly positive but secondary.
Positive Factors
Improved Capital and Profitability
Leverage reduction to D/E 0.70 and a 17.2% ROE reflect a materially stronger capital base and higher returns. This durable improvement boosts financial flexibility to support lending, absorb shocks, and sustain shareholder distributions and growth investments over the medium term.
Negative Factors
Material Cash-Flow Deterioration
A steep decline in operating cash flow and a 59% drop in free cash flow create an earnings-quality concern: accounting profits are less supported by cash, which can constrain reinvestment, debt servicing, and sustainable dividend or buyback policies in the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved Capital and Profitability
Leverage reduction to D/E 0.70 and a 17.2% ROE reflect a materially stronger capital base and higher returns. This durable improvement boosts financial flexibility to support lending, absorb shocks, and sustain shareholder distributions and growth investments over the medium term.
Read all positive factors
Tompkins Financial Corporation (TMP) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.17B
Dividend Yield3.39%
Average Volume (3M)60.99K
Price to Earnings (P/E)6.4
Beta (1Y)0.78
Revenue Growth9.55%
EPS Growth27.32%
CountryUS
Employees941
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)N/A
Shares Outstanding14,418,025
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 Cap1.49
Enterprise Value/Revenue3.01
Enterprise Value/Gross Profit4.00
Enterprise Value/Ebitda7.67
Forecast
1Y Price Target
$87.00Price Target Upside7.39% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
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 segmen...
How the Company Makes Money
Tompkins Financial Corporation generates earnings mainly through a traditional financial-services model across banking, wealth management, and insurance. Banking revenue is primarily driven by net interest income: the company earns interest and fe...
Tompkins Financial Corporation Financial Statement Overview
Summary
Income Statement
82
Very Positive
Balance Sheet
74
Positive
Cash Flow
46
Neutral
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 578.94M | 431.65M | 303.36M | 324.74M | 316.63M |
| Gross Profit | 435.07M | 288.56M | 211.18M | 300.90M | 301.33M |
| EBITDA | 224.86M | 92.98M | 12.12M | 109.71M | 114.57M |
| Net Income | 161.07M | 70.85M | 9.51M | 85.03M | 89.26M |
Balance Sheet | |||||
| Total Assets | 8.67B | 8.11B | 7.82B | 7.67B | 7.82B |
| Cash, Cash Equivalents and Short-Term Investments | 1.11B | 1.37B | 1.50B | 1.67B | 2.11B |
| Total Debt | 660.01M | 790.25M | 653.10M | 347.58M | 190.79M |
| Total Liabilities | 7.73B | 7.40B | 7.15B | 7.05B | 7.09B |
| Stockholders Equity | 938.38M | 713.44M | 668.52M | 615.98M | 727.53M |
Cash Flow | |||||
| Free Cash Flow | 31.95M | 88.76M | 82.24M | 95.17M | 116.44M |
| Operating Cash Flow | 38.87M | 94.97M | 89.00M | 103.34M | 121.18M |
| Investing Cash Flow | -300.73M | -250.44M | -146.30M | -8.44M | -583.29M |
| Financing Cash Flow | 260.28M | 210.33M | 59.00M | -80.17M | 136.76M |
Tompkins Financial Corporation Technical Analysis
Positive
81.01
Price Trends
78.61
Positive
75.23
Positive
70.03
Positive
Market Momentum
0.73
Negative
65.97
Neutral
93.95
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 81.01 is above the 20-day moving average (MA) of 76.39, above the 50-day MA of 78.61, and above the 200-day MA of 70.03, indicating a bullish trend. The MACD of 0.73 indicates Negative momentum. The RSI at 65.97 is Neutral, neither overbought nor oversold. The STOCH value of 93.95 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for TMP.
Tompkins Financial Corporation Risk Analysis
Tompkins Financial Corporation disclosed 25 risk factors in its most recent earnings report. Tompkins Financial Corporation reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Tompkins Financial Corporation Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | $1.02B | 10.15 | 9.74% | 2.43% | 3.54% | 12.23% | |
72 Outperform | $1.14B | 9.33 | 11.96% | 3.44% | 9.93% | 17.67% | |
68 Neutral | $1.10B | 8.92 | 10.11% | 1.24% | 10.42% | -18.32% | |
68 Neutral | $945.14M | 7.80 | 14.60% | 3.49% | 53.68% | 290.47% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $1.17B | 6.42 | 11.20% | 3.39% | 9.55% | 27.32% | |
60 Neutral | $1.07B | 14.52 | 4.77% | 4.05% | -2.15% | -25.32% |
* Financial Sector Average
TMP
Tompkins Financial Corporation
84.20
25.94
44.53%
OCFC
Oceanfirst Financial
18.98
3.96
26.40%
OSBC
Old Second Bancorp
21.19
5.99
39.44%
CTBI
Community Bancorp
62.70
16.30
35.14%
FMBH
First Mid-Illinois Bancshares
42.52
10.46
32.62%
BHRB
Burke & Herbert Bank & Company
62.89
12.35
24.44%
Tompkins Financial Corporation Corporate Events
Business Operations and StrategyExecutive/Board Changes
Tompkins Financial Names Quintana President-Elect of Community Bank
Positive
Mar 16, 2026
Tompkins Financial Corporation announced on March 16, 2026, that veteran banker Phillip M. Quintana has been appointed President-Elect of Tompkins Community Bank, effective immediately, and will become President in or about July 2026 following the...
Business Operations and StrategyDividendsFinancial Disclosures
Tompkins Financial Reports Record Earnings and Declares Dividend
Positive
Jan 30, 2026
On January 29, 2026, Tompkins Financial Corporation’s board declared a cash dividend of $0.67 per share, payable on February 22, 2026 to shareholders of record as of February 13, 2026. In results reported on January 30, 2026, the company pos...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.