Tompkins Financial Corporation TMP R2K

Financial Services · Banks - Regional · United States

https://www.tompkinsfinancial.com

Tompkins Financial Corporation, a financial holding company, provides commercial and consumer banking, leasing, trust and investment management, financial planning and wealth management, and insurance services. It operates through two segments: Banking, and Wealth Management. The company accepts various deposit products, including checking and savings accounts, time deposits, and IRA products. It also offers loans for various business purposes, including real estate financing, construction, equipment financing, accounts receivable financing, and commercial leasing; residential mortgage loans; personal loans; home equity loans; residential real estate loans; commercial and industrial loans; commercial real estate loans; agriculture loans; and consumer and other loans, such as direct and indirect personal installment loans, automobile financing, and overdraft lines of credit. In addition, the company provides letters of credit and sweep accounts; credit and debit cards; deposit and cash management, internet-based account, remote deposit, safe deposit, ATM, voice response, and mobile and internet banking services; trust and estate; financial and tax planning services; property and casualty, life, disability, and long-term care insurance services; employee benefit consulting services; and insurance planning services. It primarily serves individuals, corporate executives, small business owners, and high net worth individuals. Tompkins Financial Corporation was founded in 1836 and is headquartered in Ithaca, New York.

Market & Price

Market Cap

$1.24B

Current Price

$86.15

High / Low (52W)

$87.25 / $57.72

Beta

0.74

Valuation

Stock P/E

7.37

Industry PE

12.01

Forward P/E

10.57

PEG Ratio

1.61

Book Value

$66.06

Price to Book

1.30

P/S

2.81

EV/EBITDA

Dividend Yield

3.11%

Profitability & Returns

ROCE

ROE

19.84%

ROA

1.98%

Profit Margin

37.99%

Op Margin

41.93%

EPS (Latest Qtr)

$1.82

EPS (TTM)

$11.69

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$571.67M

Total Assets

$8.67B

Current Assets

Working Capital

Ownership

Promoter Holding

6.62%

Chg in Prom Hold

FII / Inst Holding

70.58%

Chg in FII Hold

-0.00%

Financial Snapshot

Enterprise Value

$1.64B

Total Revenue (TTM)

$440.85M

EBITDA

Free Cash Flow

Operating Cash Flow

$90.08M

Shares Outstanding

14.38M

Gross Margin

0.00%

Payout Ratio

21.90%

Growth (CAGR)

Revenue 5Y

-5.77%

Profit 5Y

23.73%

Revenue (YoY)

7.60%

Earnings (YoY)

32.80%

PROS

Excellent profit margin of 38.0%.
Profit CAGR of 23.7% over 5 years.
Attractive dividend yield of 3.11%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

Revenue declined at -5.8% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	TMP Tompkins Financial Corporation R2K	86.15	7.37	$1.24B	3.11%	-	19.84%	-5.77%	23.73%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Jun 2015	Sep 2015	Dec 2015	Mar 2016	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	15.39M	15.95M	16.14M	-	16.23M	16.39M	16.82M	-	17.22M	16.70M	17.74M	-	16.73M	14.94M	17.36M	17.99M	17.49M	19.43M	18.87M	18.05M	20.14M	18.80M	18.40M	20.67M	20.25M	19.29M	-	-	81.69M	82.64M	87.44M	2.30M	83.69M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	32.80M	33.52M	34.18M	31.85M	30.81M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	25.80M	28.24M	31.11M	139.71M	34.47M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	6.12M	6.77M	7.43M	43.46M	8.39M
Net Income	17.39M	14.50M	13.85M	14.25M	14.83M	15.14M	15.12M	15.72M	16.93M	17.39M	2.46M	20.44M	22.06M	20.90M	18.91M	21.04M	19.39M	20.21M	21.08M	7.95M	21.43M	24.23M	25.63M	22.83M	21.34M	23.27M	20.87M	21.34M	19.38M	8.47M	-33.35M	16.87M	15.68M	-	-	19.68M	21.47M	23.67M	96.25M	26.07M
Diluted EPS	1.15	0.96	0.92	0.94	0.98	1.00	0.99	1.03	1.11	1.14	0.16	1.33	1.43	1.36	1.23	1.37	1.27	1.34	1.40	0.53	1.44	1.63	1.72	1.54	1.45	1.60	1.45	1.48	1.35	0.59	-2.35	1.18	1.10	-	-	1.37	1.50	1.65	6.70	1.82

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	-	63.09M	65.96M	67.56M	65.75M	-	303.69M	215.52M	295.18M	254.07M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	21.04M	87.84M	136.47M	132.34M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	109.71M	12.12M	92.98M	224.86M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	24.56M	2.50M	22.00M	63.78M
Net Income	31.83M	33.83M	35.42M	31.29M	50.86M	52.04M	58.42M	59.34M	52.49M	82.31M	81.72M	77.59M	-	85.03M	9.51M	70.85M	161.07M
Diluted EPS	2.96	3.11	3.20	2.43	3.46	3.48	3.87	3.91	3.43	5.35	5.37	5.20	-	5.89	0.66	4.97	11.24

Compounded Sales Growth

5 Years:	-5.77%
1 Year:	7.60%

Compounded Profit Growth

5 Years:	23.73%
1 Year:	32.80%

Stock Price Performance

1 Year:	+45.40%
6 Months:	+23.94%
3 Months:	+13.19%
1 Month:	+3.85%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	3.26B	3.40B	4.84B	5.00B	5.27B	5.69B	6.24B	6.65B	6.76B	6.73B	7.62B	-	7.67B	7.82B	8.11B	8.67B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	52.35M	45.46M	49.66M	49.57M	118.93M	82.88M	56.07M	58.26M	63.95M	84.30M	80.39M	137.98M	388.46M	-	77.84M	79.54M	134.40M	132.82M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	115.83M	181.06M	-	-	-
Total Liabilities	-	-	2.99B	3.10B	4.40B	4.55B	4.78B	5.17B	5.69B	6.07B	6.14B	6.06B	6.90B	-	7.05B	7.15B	7.40B	7.73B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	50.00M	125.00M	543.25M	169.45M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	291.30M	602.10M	790.25M	564.45M
Total Equity	-	-	271.96M	297.69M	439.91M	456.49M	488.13M	515.01M	547.95M	574.78M	619.46M	661.64M	716.28M	-	615.98M	668.52M	713.44M	938.38M
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	14.56M	14.44M	14.47M	14.45M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	23.86M	64.85M	71.99M	61.78M	-	-	-	-	86.06M	107.27M	101.61M	101.39M	-	103.34M	89.00M	94.97M	38.87M
Investing Cash Flow	-277.96M	-133.79M	-152.62M	27.26M	-	-	-	-	-426.95M	-143.60M	133.99M	-643.72M	-	-8.44M	-146.30M	-250.44M	-300.73M
Financing Cash Flow	247.21M	73.14M	80.53M	-19.67M	158.63M	206.58M	-	-	361.24M	32.42M	-178.01M	792.81M	-	-80.17M	59.00M	210.33M	260.28M
Capital Expenditure	-5.17M	-3.53M	-3.31M	-7.07M	-6.54M	-9.04M	-6.34M	-16.27M	-35.29M	-18.08M	-6.01M	-4.55M	-	-8.17M	-6.76M	-6.21M	-6.92M
Free Cash Flow	18.70M	61.32M	68.68M	54.71M	-	-	-	-	50.77M	89.18M	95.60M	96.84M	-	95.17M	82.24M	88.76M	31.95M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	14.73M	1.71M	54.86M	-1.58M
Share Buybacks	-	-	-	-	0	4.60M	3.50M	1.17M	0	2.45M	29.87M	9.41M	23.77M	15.43M	8.73M	0	1.65M

Ratios (Annual)

Figures in %.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	83.2%	124.8%	121.0%	118.0%	-	28.0%	4.4%	24.0%	63.4%
ROE %	-	12.4%	11.9%	7.1%	11.1%	10.7%	11.3%	10.8%	9.1%	13.3%	12.4%	10.8%	-	13.8%	1.4%	9.9%	17.2%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

6.62%

Institutions

70.58%

Public Float

75.58%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	13.92%	2.00M	$172.50M
2	State Street Corporation	8.25%	1.19M	$102.20M
3	Tompkins Financial Corp	7.78%	1.12M	$96.43M
4	Vanguard Portfolio Management LLC	5.24%	754.00K	$64.96M
5	Dimensional Fund Advisors LP	4.08%	587.47K	$50.61M
6	Vanguard Capital Management LLC	3.93%	565.94K	$48.76M
7	Geode Capital Management, LLC	2.42%	348.31K	$30.01M
8	American Century Companies Inc	2.14%	307.34K	$26.48M
9	Rhino Investment Partners, Inc.	1.16%	166.94K	$14.38M
10	Morgan Stanley	1.16%	167.19K	$14.40M

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