Tompkins Financial Corporation (8J0) Stock Price & Analysis
8J0 Stock Chart & Stats
- Day’s Range
- EUR 88.50 - EUR 92.50
- 52-Week Range
- EUR 54.50 - EUR 92.50
- Previous Close
- EUR 90.00
- Volume
- 0
- Average Volume (3M)
- 0
- Market Cap
- EUR 1.28B
- Enterprise Value
- EUR 1.84B
- Total Cash (Recent Filing)
- EUR 1.89B
- Total Debt (Recent Filing)
- EUR 540.57M
- Price to Earnings (P/E)
- 7.9
- Beta
- 0.41
- Next Earnings
- Jan 22, 2027 (Est.)
- EPS Estimate
- 1.81
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 2.63%
Bulls Say, Bears Say
Bulls Say
Earnings Rebound
The sharp recovery in revenue and profitability shows that Tompkins can regain earnings power after a weak period. Strong current margins provide internal resources for technology, customer service, capital needs, and continued expansion across its banking and fee-based businesses.
Improved Capital Efficiency
Lower leverage alongside much stronger returns on equity indicates a healthier capital profile and more effective use of shareholder funds. This combination can improve resilience, support lending capacity, and give management greater flexibility in allocating capital through the banking cycle.
Broad Operating Support
Growth in net interest income, margin, loans, and deposits supports the core banking franchise rather than relying only on accounting or market effects. A broader operating contribution can strengthen recurring earnings and deepen customer relationships across Tompkins’s regional markets.
Bears Say
Earnings Volatility
The large swing from a very low 2023 margin to elevated recent profitability demonstrates meaningful earnings-cycle sensitivity. If current margins normalize, reported earnings could weaken materially, making future performance less predictable and complicating long-term capital planning.
Mixed Cash-flow Quality
Positive free cash flow is supportive, but weak operating-cash-flow conversion across periods reduces confidence that accounting earnings consistently translate into cash. Volatile cash generation could constrain internally funded growth, distributions, or flexibility during weaker operating conditions.
Historical Leverage Swings
Although leverage has improved, its previously elevated levels show that Tompkins’s capital profile can change materially across the cycle. Renewed balance-sheet pressure would reduce financial flexibility and could limit the company’s ability to expand lending or absorb weaker credit conditions.
Tompkins Financial Corporation News
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Tompkins Financial Corporation Stock Smart Score
Company Description
Tompkins Financial Corporation
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 insurance solutions. Its operations are strategically divided into three main segments: Banking, Insurance, and Wealth Management. The corporation provides a diverse selection of deposit products, such as checking, savings, and time accounts, alongside IRA options, and specialized brokered, reciprocal, and municipal money market deposits. It also extends a wide range of lending solutions. For businesses, these include financing for real estate, construction, and equipment, accounts receivable funding, and commercial leasing. For individuals and businesses alike, it offers residential mortgages, personal loans, home equity loans, commercial and industrial loans, commercial real estate loans, and agricultural loans. Consumer-specific financing encompasses personal installment loans, direct and indirect automobile loans, and overdraft lines of credit. Additional services provided include letters of credit and sweep accounts, credit and debit cards, and modern banking conveniences such as deposit and cash management, internet and mobile banking platforms, remote deposit capture, safe deposit boxes, voice response systems, and ATM access. Beyond banking, Tompkins Financial delivers investment management, trust and estate administration, and financial and tax planning services. Its insurance offerings span property and casualty, medical, life, disability, and long-term care policies, further enhanced by employee benefit consulting and general insurance planning. The company primarily serves a varied clientele, including individual consumers, corporate executives, small business owners, and high-net-worth individuals. Tompkins Financial operates through a network of 63 banking branches, with 43 situated in New York and 20 in Pennsylvania. Founded in 1836, the corporation is headquartered in Ithaca, New York.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Stephen S. Romaine
- Employees
- 813
- Website
- www.tompkinsfinancial.com
- Address
- 118 East Seneca Street, Ithaca, NY, 14851, US
Tompkins Financial Corporation (8J0) Earnings & Revenues
8J0 Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 16 | 4 | 2 |
| Technical Analysis | 4 | 4 | 2 |
| Moving Averages | 12 | 0 | 0 |