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Tompkins Financial Corporation
(NYSE MKT:TMP)
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Rating:73Outperform
Price Target:
$113.00
â–²(15.85% Upside)
Action:Reiterated
Date:10/24/26
TMP scores well overall due to improved profitability/ROE and moderated leverage, plus strong valuation support (low P/E and a solid dividend yield). The main constraint on the score is the notable TTM revenue decline and volatile/declining cash flow, which temper confidence in the sustainability of recent earnings strength.
Positive Factors
Net Interest Income Growth
Q3 results show higher net interest income, a 3.65% margin and continued loan and deposit growth. That combination supports recurring banking earnings by expanding both the earning-asset base and spread income, giving profitability a durable operating foundation over coming quarters.
Negative Factors
Revenue Decline
A roughly 15% TTM revenue decline weakens confidence that recent profitability can persist without further improvement in the top line. If revenue pressure continues, it could limit operating leverage, reduce resources for investment and make earnings more sensitive to margin changes.
Read all positive and negative factors
Positive Factors
Negative Factors
Net Interest Income Growth
Q3 results show higher net interest income, a 3.65% margin and continued loan and deposit growth. That combination supports recurring banking earnings by expanding both the earning-asset base and spread income, giving profitability a durable operating foundation over coming quarters.
Read all positive factors
Tompkins Financial Corporation (TMP) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.46B
Dividend Yield2.66%
Average Volume (3M)107.88K
Price to Earnings (P/E)8.0
Beta (1Y)0.65
Revenue Growth-15.20%
EPS Growth113.26%
CountryUS
Employees813
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)12.29
Shares Outstanding14,382,905
10 Day Avg. Volume92,577
30 Day Avg. Volume107,876
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 Cap1.26
Enterprise Value/Revenue3.76
Enterprise Value/Gross Profit5.18
Enterprise Value/Ebitda10.26
Forecast
1Y Price Target
$104.50Price Target Upside7.14% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)7.81
Revenue Forecast (FY)$352.54M
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 its banking operations, supplemented by fee-based wealth management and insurance activities. (1) Net interest income: The largest earnings driver for most community banks is typically t...
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 | 179.35M | 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
97.54
Price Trends
97.98
Positive
95.79
Positive
87.65
Positive
Market Momentum
0.53
Negative
63.51
Neutral
84.91
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 97.54 is below the 20-day moving average (MA) of 97.62, below the 50-day MA of 97.98, and above the 200-day MA of 87.65, indicating a bullish trend. The MACD of 0.53 indicates Negative momentum. The RSI at 63.51 is Neutral, neither overbought nor oversold. The STOCH value of 84.91 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 |
|---|---|---|---|---|---|---|---|
75 Outperform | $707.53M | 12.44 | 10.86% | 3.53% | 0.41% | 68.29% | |
74 Outperform | $1.16B | 12.07 | 10.41% | 2.14% | 2.41% | 26.67% | |
73 Outperform | $1.46B | 8.01 | 19.07% | 2.66% | -15.20% | 113.26% | |
73 Outperform | $2.13B | 12.87 | 10.83% | 2.61% | 4.87% | 25.01% | |
70 Outperform | $404.43M | 10.52 | 14.49% | 1.65% | 18.42% | 190.13% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
62 Neutral | $710.76M | 12.30 | 11.82% | 3.10% | 8.43% | 69.62% |
* Financial Sector Average
TMP
Tompkins Financial Corporation
101.20
36.77
57.07%
AROW
Arrow Financial
38.37
12.15
46.32%
FCF
First Commonwealth
21.10
5.27
33.31%
UVSP
Univest Of Pennsylvania
42.14
12.62
42.73%
CHMG
Chemung Financial
83.88
33.23
65.61%
PFIS
Peoples Financial Services
70.68
24.90
54.40%
Tompkins Financial Corporation Corporate Events
DividendsFinancial Disclosures
Tompkins Financial boosts dividend amid strong earnings
Positive
Oct 23, 2026
In the third quarter of 2026, Tompkins Financial Corporation reported diluted earnings per share of $2.00, a 21.2% increase from a year earlier but slightly below the previous quarter, with net income rising to $28.7 million and year-to-date earni...
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...
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.