Want to see TMP full AI Analyst Report?
TMP Stock Chart & Stats
$85.68
$0.37(0.56%)
At close: 4:00 PM EST
$85.68
$0.37(0.56%)
Day’s Range― - ―
52-Week Range$61.21 - $97.12
Previous CloseN/A
Volume8.68K
Average Volume (3M)60.99K
Market Cap
$1.34B
Enterprise Value$1.63K
Total Cash (Recent Filing)$68.67M
Total Debt (Recent Filing)$567.58M
Price to Earnings (P/E)7.9
Beta0.80
Next Earnings
Oct 23, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.82%
Share Statistics
EPS (TTM)11.74
Shares Outstanding14,382,941
10 Day Avg. Volume79,094
30 Day Avg. Volume60,992
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$88.50Price Target Upside3.29% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)7.51
Revenue Forecast (FY)$350.02M
Bulls Say, Bears Say
Bulls Say
Strong And Improving ProfitabilitySustained high margins (TTM net ~29%, operating ~40%) and strong ROE provide durable earnings power. Margin strength increases buffer for credit losses and funds dividends and capital investment, supporting long-term shareholder returns and strategic flexibility over coming quarters.
Net Interest Income And Margin ExpansionConsistent NII growth and a widening NIM reflect better yields on earning assets and controlled funding costs. As a commercial lender with deposit franchise, the bank can sustain core earnings if it retains deposit pricing discipline and loan growth, making interest income a durable earnings driver.
Improving Capital And Leverage ProfileMaterial de-leveraging from prior higher levels improved resilience: a lower debt-to-equity and strong capital ratios reduce funding risk, support dividend increases and lending growth, and provide capacity to absorb shocks or pursue opportunistic investments without immediate capital raises.
Bears Say
Flattening Revenue GrowthAfter a strong rebound, top-line growth has stalled, indicating limited organic expansion. If revenue remains flat, the firm may rely on margin expansion and cost cuts to sustain earnings, reducing upside from volume-driven growth and increasing vulnerability if margins compress or loan demand softens.
Volatile Operating Cash ConversionInconsistent operating cash conversion undermines earnings quality despite positive free cash flow. Volatility in OCF complicates capital allocation, dividend planning and provisioning in downturns, leaving less reliable cash to support recurring investments or unexpected credit losses.
Reduced Noninterest Income DiversificationSelling the insurance unit lowered fee and commission diversification, concentrating profitability in net interest income. That raises sensitivity to NIM volatility and loan-cycle dynamics, meaning sustained earnings now more dependent on interest-rate and deposit conditions rather than diversified fee streams.
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 $61.21 and its highest was $97.12 in the past 12 months.
What is Tompkins Financial Corporation’s market cap?
Tompkins Financial Corporation’s market cap is $1.34B.
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 90 days.
How were Tompkins Financial Corporation’s earnings last quarter?
Currently, no data Available
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 $0.67 which represents an annual dividend yield of 2.82%. See more information on Tompkins Financial Corporation dividends here
What is Tompkins Financial Corporation’s EPS estimate?
Tompkins Financial Corporation’s EPS estimate for its next earnings report is not yet available.
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?
Currently, no data Available
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
Neutral
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$88.50 (3.29% Upside)
$88.50 (3.29% Upside)
Blogger Sentiment
Bullish
TMP Sentiment 67%
Sector Average 60%
Sector Average 60%
Hedge Fund Trend
Decreased
By 132.9K Shares
Last Quarter.
Last Quarter.
Technicals
SMA
Positive
20 days / 200 days
Momentum
12.52%
12-Months-Change
Fundamentals
Return on Equity
2.82%
Trailing 12-Months
Asset Growth
6.05%
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.
TMP Stock 12 Month Forecast
Average Price Target
$88.50
▲(3.29% Upside)
Technical Analysis
Oceanfirst Financial
―
Old Second Bancorp
―
Community Bancorp
―
First Mid-Illinois Bancshares
―
Burke & Herbert Bank & Company
―
Ownership Overview
2.50% Insiders
15.46% Mutual Funds
0.58% Other Institutional Investors
52.78% Public Companies and
Individual Investors