Tompkins Financial Corporation (TMP) AI Stock Analysis

• Market Cap: $1.09B
• Dividend Yield: 3.32%
• Average Volume (3M): 49.58K
• Price to Earnings (P/E): 12.8
• Beta (1Y): 0.75
• 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: 53,880
• 30 Day Avg. Volume: 49,580
• 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: 1.28
• Enterprise Value/Revenue: 3.03
• Enterprise Value/Gross Profit: 4.43
• Enterprise Value/Ebitda: 12.12
• 1Y Price Target: $80.00
• Price Target Upside: 14.55% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 78 Outperform
• Price Target: $82.00 ▲(17.41% Upside)

Tompkins Financial Corporation scores well due to strong financial performance, positive technical indicators, and beneficial corporate events. The sale of a subsidiary and dividend declaration highlight strategic growth and financial flexibility. The stock's valuation is reasonable, with a solid dividend yield. Technical analysis supports a bullish outlook, though investors should monitor potential overbought conditions.

Positive Factors

Revenue Growth

Consistent revenue growth indicates a strong market position and effective business model, supporting long-term financial stability.

Financial Flexibility

The sale enhances financial flexibility, allowing Tompkins to reinvest in strategic areas and strengthen its core operations.

Profitability

Improved profitability reflects efficient operations and cost management, contributing to sustainable long-term growth.

Negative Factors

Cost Pressures

Decreasing gross profit margin suggests rising costs, which could pressure future profitability if not managed effectively.

Strategic Investments

While strategic investments can drive growth, they also increase expenses, potentially impacting short-term financial performance.

Leverage

Although leverage has improved, maintaining moderate levels is crucial to avoid financial strain and ensure long-term stability.

Tompkins Financial Corporation Business Overview & Revenue Model

Company Description

Tompkins Financial Corporation (TMP) is a diversified financial services holding company based in the United States, primarily engaged in providing banking, investment, insurance, and wealth management services. The corporation operates through its subsidiaries, including community banks and various financial service providers, offering a wide range of products such as personal and commercial loans, deposit accounts, investment advisory services, and insurance solutions. With a strong emphasis on customer service and community engagement, Tompkins aims to deliver comprehensive financial solutions tailored to the needs of its clients.

How the Company Makes Money

Tompkins Financial Corporation generates revenue through multiple streams, primarily from interest income earned on loans and investment securities, as well as fees from financial services. The company’s banking operations, which include commercial and consumer lending, contribute significantly to its earnings through interest on loans provided to customers. Additionally, Tompkins derives income from service charges on deposit accounts and fees for wealth management and investment advisory services. Insurance services also play a crucial role in revenue generation, with premiums collected from clients. Strategic partnerships with other financial entities and service providers enhance its offerings and allow for additional revenue opportunities, enabling Tompkins to maintain a diversified income portfolio.

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	462.18M	431.65M	303.36M	324.74M	316.63M	324.94M
Gross Profit	315.97M	288.56M	211.18M	300.90M	301.33M	278.73M
EBITDA	115.36M	92.98M	12.12M	109.71M	114.57M	109.34M
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	1.05B	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	94.72M	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: Positive
• Last Price: 69.84
• 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 69.84 is below the 20-day moving average (MA) of 70.83, above the 50-day MA of 67.32, and above the 200-day MA of 63.95, indicating a bullish trend. The MACD of 2.31 indicates Negative momentum. The RSI at 69.91 is Neutral, neither overbought nor oversold. The STOCH value of 83.56 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
FMBH	79 Outperform	$1.01B	11.61	9.74%	2.32%	3.54%	12.23%
BHRB	78 Outperform	$1.04B	9.83	13.70%	3.18%	53.68%	290.47%
TMP	78 Outperform	$1.09B	12.81	11.20%	3.32%	9.55%	27.32%
CTBI	77 Outperform	$1.11B	11.82	11.72%	3.27%	9.93%	17.67%
OSBC	77 Outperform	$1.09B	13.74	9.24%	1.20%	10.42%	-18.32%
OCFC	75 Outperform	$1.16B	15.55	4.77%	3.97%	-2.15%	-25.32%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Tompkins Financial Corporation Corporate Events

Tompkins Financial Sells Subsidiary for $223 Million

On November 3, 2025, Tompkins Financial Corporation announced the sale of its subsidiary, Tompkins Insurance Agencies, Inc. (TIA), to Arthur J. Gallagher & Co. for approximately $223 million in cash, resulting in a pre-tax gain of $183 million. This strategic move allows TIA to leverage Gallagher’s global resources while continuing to serve its existing customer base. The transaction is expected to enhance Tompkins’ financial flexibility, enabling it to replace the earnings of the sold subsidiary and support future strategic investments.

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.