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Tompkins Financial Corporation
(TMP)
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Rating:78Outperform
Price Target:
$98.00
â–²(14.38% Upside)
Action:Reiterated
Date:05/26/26
The score is driven primarily by strong profitability and improved balance-sheet leverage, supported by a clear uptrend in the stock and favorable valuation (low P/E with a ~3% dividend). The main constraint is mixed cash conversion and flat TTM revenue growth, which adds uncertainty around sustaining the recent earnings strength.
Positive Factors
High and improving profitability
Consistently strong margins and high ROE indicate durable earnings power and operating leverage across the bank's businesses. Sustained profitability supports capital generation, dividend coverage and reinvestment capacity, reducing vulnerability to moderate revenue cycles.
Negative Factors
Flattening revenue growth
Near-zero TTM revenue growth after a prior rebound suggests topline momentum has stalled. Without renewed loan, fee or product growth, sustaining margins and ROE will rely more on cost control and spreads, increasing sensitivity to rate and volume shocks over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
High and improving profitability
Consistently strong margins and high ROE indicate durable earnings power and operating leverage across the bank's businesses. Sustained profitability supports capital generation, dividend coverage and reinvestment capacity, reducing vulnerability to moderate revenue cycles.
Read all positive factors
Tompkins Financial Corporation (TMP) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.36B
Dividend Yield3.39%
Average Volume (3M)60.99K
Price to Earnings (P/E)8.1
Beta (1Y)0.76
Revenue Growth-12.54%
EPS Growth126.82%
CountryUS
Employees941
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)11.74
Shares Outstanding14,382,941
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 Cap1.30
Enterprise Value/Revenue3.05
Enterprise Value/Gross Profit4.00
Enterprise Value/Ebitda7.29
Forecast
1Y Price Target
$88.50Price Target Upside3.29% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)7.37
Revenue Forecast (FY)$350.02M
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 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
84
Very Positive
Balance Sheet
72
Positive
Cash Flow
63
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 578.95M | 578.94M | 431.65M | 303.36M | 324.74M | 316.63M |
| Gross Profit | 440.85M | 435.07M | 288.56M | 211.18M | 300.90M | 301.33M |
| EBITDA | 241.88M | 233.47M | 103.45M | 23.86M | 121.27M | 126.14M |
| Net Income | 167.47M | 161.07M | 70.85M | 9.51M | 85.03M | 89.26M |
Balance Sheet | ||||||
| Total Assets | 8.70B | 8.67B | 8.11B | 7.82B | 7.67B | 7.82B |
| Cash, Cash Equivalents and Short-Term Investments | 68.67M | 1.11B | 1.37B | 1.50B | 1.67B | 2.11B |
| Total Debt | 567.58M | 660.01M | 790.25M | 653.10M | 347.58M | 190.79M |
| Total Liabilities | 7.75B | 7.73B | 7.40B | 7.15B | 7.05B | 7.09B |
| Stockholders Equity | 946.74M | 938.38M | 713.44M | 668.52M | 615.98M | 727.53M |
Cash Flow | ||||||
| Free Cash Flow | 82.71M | 31.95M | 88.76M | 82.24M | 95.17M | 116.44M |
| Operating Cash Flow | 90.08M | 38.87M | 94.97M | 89.00M | 103.34M | 121.18M |
| Investing Cash Flow | -322.81M | -300.73M | -250.44M | -146.30M | -8.44M | -583.29M |
| Financing Cash Flow | 211.12M | 260.28M | 210.33M | 59.00M | -80.17M | 136.76M |
Tompkins Financial Corporation Technical Analysis
Positive
85.68
Price Trends
87.13
Positive
83.07
Positive
76.19
Positive
Market Momentum
2.33
Negative
64.39
Neutral
82.46
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 85.68 is below the 20-day moving average (MA) of 91.22, below the 50-day MA of 87.13, and above the 200-day MA of 76.19, indicating a bullish trend. The MACD of 2.33 indicates Negative momentum. The RSI at 64.39 is Neutral, neither overbought nor oversold. The STOCH value of 82.46 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 |
|---|---|---|---|---|---|---|---|
78 Outperform | $1.36B | 8.05 | 19.50% | 3.39% | -12.54% | 126.82% | |
73 Outperform | $1.19B | 13.58 | 10.20% | 1.24% | 26.26% | -8.61% | |
73 Outperform | $1.32B | 12.70 | 12.27% | 3.44% | 8.48% | 19.55% | |
73 Outperform | $1.41B | 9.05 | 14.15% | 3.49% | 1.77% | 119.62% | |
70 Outperform | $1.29B | 12.21 | 9.93% | 2.43% | 5.91% | 17.81% | |
69 Neutral | $1.84B | 16.28 | 4.22% | 4.05% | 2.01% | -23.22% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
TMP
Tompkins Financial Corporation
94.54
30.21
46.97%
OCFC
Oceanfirst Financial
19.05
1.09
6.07%
OSBC
Old Second Bancorp
23.23
4.42
23.49%
CTBI
Community Bancorp
72.75
18.55
34.23%
FMBH
First Mid-Illinois Bancshares
48.46
9.73
25.11%
BHRB
Burke & Herbert Bank & Company
70.15
8.48
13.75%
Tompkins Financial Corporation Corporate Events
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...
Executive/Board Changes
Tompkins Financial Announces New Community Bank President Appointment
Neutral
Apr 27, 2026
Tompkins Financial Corporation announced that Phillip M. Quintana has been appointed President of Tompkins Community Bank and Executive Vice President of the parent company, after previously being named President-Elect of the bank on March 16, 202...
Business Operations and StrategyDividendsFinancial Disclosures
Tompkins Financial Posts Record First-Quarter 2026 Earnings
Positive
Apr 24, 2026
Tompkins Financial Corporation reported record first-quarter 2026 results on April 24, 2026, with diluted earnings per share rising 32.8% year over year to $1.82 and net income climbing 32.5% to $26.1 million, driven by higher net interest income,...
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.