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TMP Stock Chart & Stats
$97.54
-$1.44(-1.42%)
At close: 4:00 PM EDT
$97.54
-$1.44(-1.42%)
Day’s Range― - ―
52-Week Range$62.98 - $102.80
Previous Close$99.68
Volume156.30K
Average Volume (3M)105.48K
Market Cap
$1.46B
Enterprise Value$1.84B
Total Cash (Recent Filing)$71.69M
Total Debt (Recent Filing)$728.07M
Price to Earnings (P/E)8.0
Beta0.65
Next Earnings
Jan 22, 2027EPS Estimate
2.02Next Dividend Ex-DateN/A
Dividend Yield2.66%
Share Statistics
EPS (TTM)12.29
Shares Outstanding14,382,905
10 Day Avg. Volume84,759
30 Day Avg. Volume105,483
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
Bulls Say, Bears Say
Bulls Say
Net Interest Income GrowthQ3 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.
Improved ProfitabilityTTM net margin near 36% and ROE near 19% indicate that recent earnings are converting efficiently into shareholder returns. The improvement from thin 2023 profits suggests stronger operating performance, while moderated leverage provides a sounder base for sustaining returns.
Funding And Credit QualityA strong core-deposit base can help contain funding costs, while the very low long-term net charge-off rate indicates disciplined credit performance. Together, these characteristics support steadier margins and reduce the likelihood that credit losses undermine earnings through the next several quarters.
Bears Say
Revenue DeclineA 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.
Volatile Cash GenerationPositive free cash flow is a constructive feature, but the 38% year-over-year decline and inconsistent operating cash flow reduce confidence in reliable cash conversion. Greater variability can constrain internal funding capacity and make capital allocation less predictable over the medium term.
Reduced Fee DiversificationThe late-2025 insurance subsidiary sale sharply reduced noninterest income, removing a fee stream and making earnings mix more dependent on banking performance. Although expenses also fell, the structural loss of diversification may limit fee-income resilience over time.
Tompkins Financial Corporation News
TMP FAQ
What was Tompkins Financial Corporation’s price range in the past 12 months?
Tompkins Financial Corporation lowest stock price was $62.98 and its highest was $102.80 in the past 12 months.
What is Tompkins Financial Corporation’s market cap?
Tompkins Financial Corporation’s market cap is $1.46B.
When is Tompkins Financial Corporation’s upcoming earnings report date?
Tompkins Financial Corporation’s upcoming earnings report date is Jan 22, 2027 which is in 89 days.
How were Tompkins Financial Corporation’s earnings last quarter?
Tompkins Financial Corporation released its earnings results on Oct 23, 2026. The company reported $2 earnings per share for the quarter, beating the consensus estimate of $1.95 by $0.05.
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 pays a Quarterly dividend of $0.74 which represents an annual dividend yield of 2.66%. See more information on Tompkins Financial Corporation dividends here
What is Tompkins Financial Corporation’s EPS estimate?
Tompkins Financial Corporation’s EPS estimate is 2.02.
How many shares outstanding does Tompkins Financial Corporation have?
Tompkins Financial Corporation has 14,382,905 shares outstanding.
What happened to Tompkins Financial Corporation’s price movement after its last earnings report?
Tompkins Financial Corporation reported an EPS of $2 in its last earnings report, beating expectations of $1.95. Following the earnings report the stock price went up 0.417%.
Which hedge fund is a major shareholder of Tompkins Financial Corporation?
Currently, no hedge funds are holding shares in TMP
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
Outperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$104.50 (7.14% Upside)
$104.50 (7.14% Upside)
Blogger Sentiment
Neutral
TMP Sentiment 50%
Sector Average 60%
Sector Average 60%
Hedge Fund Trend
Decreased
By 2.1K Shares
Last Quarter.
Last Quarter.
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
61.78%
12-Months-Change
Fundamentals
Return on Equity
19.07%
Trailing 12-Months
Asset Growth
6.02%
Trailing 12-Months
Learn more about TipRanks 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.
TMP Stock 12 Month Forecast
Average Price Target
$104.50
▲(7.14% Upside)
Technical Analysis
Arrow Financial
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First Commonwealth
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Univest Of Pennsylvania
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Peoples Financial Services
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Ownership Overview
2.51% Insiders
15.46% Mutual Funds
9.17% Other Institutional Investors
40.71% Public Companies and
Individual Investors