8J0 Stock Chart & Stats
€81.00
€0.50(0.62%)
At close: 4:00 PM EDT
€81.00
€0.50(0.62%)
Day’s Range― - ―
52-Week Range€52.50 - €89.00
Previous CloseN/A
Volume0.00
Average Volume (3M)3.00
Market Cap
€1.25B
Enterprise Value€2.01K
Total Cash (Recent Filing)€71.69M
Total Debt (Recent Filing)€728.07M
Price to Earnings (P/E)8.1
Beta0.38
Next Earnings
Oct 23, 2026EPS Estimate
1.72Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)12.29
Shares Outstanding14,382,941
10 Day Avg. Volume0
30 Day Avg. Volume3
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 CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€90.61Price Target Upside11.87% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)6.69
Revenue Forecast (FY)€305.56M
Bulls Say, Bears Say
Bulls Say
High Profitability And ROESustained 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.
Strong Core Deposits And Low Credit LossesA very low long‑run net charge-off rate and core deposit funding reduce funding volatility and credit drag. Conservative credit culture and stable retail deposits support consistent lending capacity and lower funding cost sensitivity, boosting long‑term balance sheet resilience.
Growing Fee-based Wealth ManagementExpanding AUM and fee income diversify revenue away from interest-rate sensitivity. Recurring advisory fees scale with client assets, providing a more stable, less cyclical revenue stream that supports earnings durability and offsets some lending or insurance revenue swings over multi‑year horizons.
Bears Say
TTM Revenue DeclineA 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.
Volatile Free Cash FlowA 38% YoY drop and inconsistent operating cash flow reduce confidence in internal funding for dividends, buybacks, or growth projects. Variable cash conversion increases dependence on external funding or capital actions, weakening financial flexibility during adverse market cycles.
Moderate And Volatile LeverageLeverage that remains elevated and has fluctuated limits buffer against credit or rate shocks. Moderate debt-to-equity constrains strategic flexibility and could force more conservative lending or capital actions if funding costs or credit losses rise, raising medium‑term risk to growth plans.
Tompkins Financial Corporation News
8J0 FAQ
What was Tompkins Financial Corporation’s price range in the past 12 months?
Tompkins Financial Corporation lowest stock price was €52.50 and its highest was €89.00 in the past 12 months.
What is Tompkins Financial Corporation’s market cap?
Tompkins Financial Corporation’s market cap is €1.25B.
When is Tompkins Financial Corporation’s upcoming earnings report date?
Tompkins Financial Corporation’s upcoming earnings report date is Oct 23, 2026 which is in 81 days.
How were Tompkins Financial Corporation’s earnings last quarter?
Tompkins Financial Corporation released its earnings results on Jul 24, 2026. The company reported €1.794 earnings per share for the quarter, beating the consensus estimate of €1.6 by €0.193.
Is Tompkins Financial Corporation overvalued?
According to Wall Street analysts Tompkins Financial Corporation’s price is currently Undervalued.
Does Tompkins Financial Corporation pay dividends?
Tompkins Financial Corporation does not currently pay dividends.
What is Tompkins Financial Corporation’s EPS estimate?
Tompkins Financial Corporation’s EPS estimate is 1.72.
How many shares outstanding does Tompkins Financial Corporation have?
Tompkins Financial Corporation has 14,382,941 shares outstanding.
What happened to Tompkins Financial Corporation’s price movement after its last earnings report?
Tompkins Financial Corporation reported an EPS of €1.794 in its last earnings report, beating expectations of €1.6. Following the earnings report the stock price went up 0.621%.
Which hedge fund is a major shareholder of Tompkins Financial Corporation?
Currently, no hedge funds are holding shares in DE:8J0
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Tompkins Financial Corporation Stock Smart Score
Neutral
1
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3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
€90.61 (11.87% Upside)
€90.61 (11.87% Upside)
Blogger Sentiment
Bullish
DE:8J0 Sentiment 67%
Sector Average ―
Sector Average ―
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
12.45%
12-Months-Change
Fundamentals
Return on Equity
2.51%
Trailing 12-Months
Asset Growth
5.11%
Trailing 12-Months
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.
8J0 Stock 12 Month Forecast
Average Price Target
€90.61
▲(11.87% Upside)
Technical Analysis
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