Tompkins Financial Corporation (8J0) AI Stock Analysis

Tompkins Financial Corporation

(Frankfurt:8J0)

Rating:―N/A

Action:N/A

Date:―

No summary available

Positive Factors

Earnings reboundThe 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.

Negative Factors

Earnings volatilityThe 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.

Tompkins Financial Corporation (8J0) vs. iShares MSCI Germany ETF (EWG)

Market Cap: EUR 1.46B
Dividend Yield: 2.63%
Average Volume (3M): 11
Price to Earnings (P/E): 8.0
Beta (1Y): 0.41
Revenue Growth: -19.34%
EPS Growth: 103.05%
Country: Germany
Employees: 813
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

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 insura...

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

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

DE:8J0 against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FCF	75Outperform	$2.12B	12.72	11.17%	2.56%	3.76%	―
PFIS	75Outperform	$703.93M	12.36	11.49%	3.33%	3.53%	13.68%
AROW	73Outperform	$710.57M	14.81	9.63%	3.03%	13.56%	26.96%
CHMG	70Outperform	$417.55M	10.97	14.49%	1.58%	18.42%	190.13%
UVSP	70Outperform	$1.09B	12.21	9.94%	2.18%	2.26%	12.10%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

* Financial Sector Average

Performance Comparison

DE:8J0 and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
DE:8J0	Tompkins Financial Corporation	88.50	34.78	64.73%
AROW	Arrow Financial Corporation	39.26	10.05	34.40%
FCF	First Commonwealth Financial	21.50	6.36	42.02%
UVSP	Univest Corporation Of Pennsylvania	41.28	12.66	44.22%
CHMG	Chemung Financial Corp	87.42	37.95	76.70%
PFIS	Peoples Financial Services Corp.	74.92	31.85	73.96%

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.

Tompkins Financial Corporation AI Stock Analysis