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Tompkins Financial Corporation
(TMP)
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Rating:73Outperform
Price Target:
$111.00
â–²(9.77% Upside)
Action:Reiterated
Date:08/01/26
The score is driven primarily by improving profitability/ROE and a better leverage profile, supported by an established price uptrend and attractive valuation (low P/E plus dividend yield). The main constraint is the reported TTM revenue decline and volatile/declining free cash flow, which temper confidence in durability despite positive recent corporate updates.
Positive Factors
High profitability and ROE
Sustained high margins and near-20% ROE reflect durable earnings power and efficient capital use. This profitability helps retain capital, fund organic growth, and absorb cyclical credit shocks, underpinning long-term return generation for shareholders if margins and credit performance hold.
Negative Factors
TTM revenue decline
A roughly 15% decline in trailing revenue signals pressure on top-line sustainability. If persistent, it can limit investment capacity, impair operating leverage, and force reliance on margin expansion or one-time items to sustain EPS, increasing execution risk over the coming quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
High profitability and ROE
Sustained high margins and near-20% ROE reflect durable earnings power and efficient capital use. This profitability helps retain capital, fund organic growth, and absorb cyclical credit shocks, underpinning long-term return generation for shareholders if margins and credit performance hold.
Read all positive factors
Tompkins Financial Corporation (TMP) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.44B
Dividend Yield2.66%
Average Volume (3M)60.99K
Price to Earnings (P/E)8.2
Beta (1Y)0.74
Revenue Growth-13.65%
EPS Growth120.32%
CountryUS
Employees813
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)12.29
Shares Outstanding14,382,905
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$104.50Price Target Upside3.34% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)7.72
Revenue Forecast (FY)$352.39M
Tompkins Financial Corporation Business Overview & Revenue Model
Company Description
Tompkins Financial Corporation functions as a financial holding entity, offering a comprehensive array of services that include commercial and retail banking, leasing, trust and investment management, financial planning, wealth management, and ins...
How the Company Makes Money
Tompkins Financial Corporation makes money primarily through a mix of bank revenue, wealth management fees, and insurance commissions. Its core banking subsidiary generates net interest income by taking deposits (checking, savings, money market, a...
Tompkins Financial Corporation Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
68
Positive
Cash Flow
62
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 489.39M | 578.94M | 431.65M | 303.36M | 324.74M | 316.63M |
| Gross Profit | 355.28M | 435.07M | 288.56M | 211.18M | 300.90M | 301.33M |
| EBITDA | 174.72M | 233.47M | 103.45M | 23.86M | 121.27M | 126.14M |
| Net Income | 175.30M | 161.07M | 70.85M | 9.51M | 85.03M | 89.26M |
Balance Sheet | ||||||
| Total Assets | 8.80B | 8.67B | 8.11B | 7.82B | 7.67B | 7.82B |
| Cash, Cash Equivalents and Short-Term Investments | 71.69M | 1.11B | 1.37B | 1.50B | 1.67B | 2.11B |
| Total Debt | 728.07M | 660.01M | 790.25M | 653.10M | 347.58M | 190.79M |
| Total Liabilities | 7.84B | 7.73B | 7.40B | 7.15B | 7.05B | 7.09B |
| Stockholders Equity | 959.93M | 938.38M | 713.44M | 668.52M | 615.98M | 727.53M |
Cash Flow | ||||||
| Free Cash Flow | 51.65M | 31.95M | 88.76M | 82.24M | 95.17M | 116.44M |
| Operating Cash Flow | 56.03M | 38.87M | 94.97M | 89.00M | 103.34M | 121.18M |
| Investing Cash Flow | -319.46M | -300.73M | -250.44M | -146.30M | -8.44M | -583.29M |
| Financing Cash Flow | 198.65M | 260.28M | 210.33M | 59.00M | -80.17M | 136.76M |
Tompkins Financial Corporation Technical Analysis
Positive
101.12
Price Trends
93.60
Positive
87.91
Positive
80.29
Positive
Market Momentum
2.01
Positive
63.60
Neutral
66.62
Neutral
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 101.12 is above the 20-day moving average (MA) of 97.89, above the 50-day MA of 93.60, and above the 200-day MA of 80.29, indicating a bullish trend. The MACD of 2.01 indicates Positive momentum. The RSI at 63.60 is Neutral, neither overbought nor oversold. The STOCH value of 66.62 is Neutral, 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 |
|---|---|---|---|---|---|---|---|
76 Outperform | $1.42B | 13.21 | 12.52% | 2.78% | 7.70% | 17.67% | |
75 Outperform | $1.31B | 14.50 | 10.39% | 1.09% | 33.92% | -4.91% | |
73 Outperform | $1.44B | 8.23 | 19.30% | 2.58% | -13.65% | 120.32% | |
73 Outperform | $1.49B | 11.67 | 10.37% | 3.12% | 3.09% | -9.19% | |
72 Outperform | $1.38B | 12.90 | 9.86% | 1.96% | 10.34% | 14.55% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
57 Neutral | $1.89B | 23.00 | 2.59% | 4.09% | 10.46% | -39.66% |
* Financial Sector Average
TMP
Tompkins Financial Corporation
101.21
37.71
59.39%
OCFC
Oceanfirst Financial
19.77
3.36
20.45%
OSBC
Old Second Bancorp
25.91
8.75
51.03%
CTBI
Community Bancorp
78.87
25.70
48.33%
FMBH
First Mid-Illinois Bancshares
52.01
15.13
41.01%
BHRB
Burke & Herbert Bank & Company
73.15
15.45
26.77%
Tompkins Financial Corporation Corporate Events
Business Operations and StrategyFinancial Disclosures
Tompkins Financial Highlights Stable Growth and Strong Profitability
Positive
Jul 28, 2026
At the KBW Summer Bank Conference held July 28–29, 2026, Tompkins Financial highlighted its long record of profitability, dividend payments and disciplined credit culture, noting a 10-year average net charge-off rate of 0.05% and core deposi...
Business Operations and StrategyDividendsFinancial Disclosures
Tompkins Financial boosts dividend after record quarterly earnings
Positive
Jul 24, 2026
Tompkins Financial Corporation reported record earnings for the third consecutive quarter, with diluted earnings per share reaching $2.04 in the second quarter of 2026, a 36% increase from a year earlier and 12.1% higher than the first quarter. Ne...
Executive/Board ChangesShareholder Meetings
Tompkins Financial Shareholders Back Directors, Pay and Auditor
Positive
May 26, 2026
Tompkins Financial Corporation is a financial services company that operates as a bank holding company, providing a range of banking and related financial services to its shareholders and customers. The company’s common stock is widely held,...
Business Operations and StrategyDividendsFinancial DisclosuresShareholder Meetings
Tompkins Financial Highlights Record Results and Dividend Growth
Positive
May 19, 2026
At its Annual Meeting of Shareholders on May 19, 2026, Tompkins Financial Corporation highlighted record 2025 results and a strong start to 2026, underscored by consistent profitability since at least 1942 and a well-capitalized balance sheet with...
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.