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Tompkins Financial Corporation TMP R2K

Financial Services · Banks - Regional · United States
https://www.tompkinsfinancial.com
Company Profile ↓
$91.28
+41.56% 1Y
Mkt Cap$1.31B
P/E7.81
P/B1.39
Div. Yield2.91%
52W High$95.92
52W Low$60.19
Book Value$66.06
EPS (TTM)$11.69

Company Overview

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.

Why Investors Should Care

Strong Return on Equity

Generates a return on equity of 19.8%, reflecting efficient use of shareholder capital.

Consistent Profit Growth

Net profit has compounded at 10.7% per year over the last five years.

Reasonable Valuation

Trades at a P/E of 7.8, below the sector median of 13.3.

Healthy Margins

Maintains a net profit margin of 38.0%.

Dividend Income

Offers a dividend yield of 2.91%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $75.74M (-4.5% YoY); net profit $161.07M.
  • Trailing 12 Months Year-on-year growth — revenue +7.6%, earnings +32.8%.
  • 5-Year Trend Long-term compounding — revenue CAGR 2.3%, profit CAGR 10.7%.

Growth & Price Performance

Compounded Sales Growth

5 Years:2.31%
1 Year:7.60%

Compounded Profit Growth

5 Years:10.67%
1 Year:32.80%

Stock Price Performance

1 Year:+41.56%
6 Months:+25.24%
3 Months:+8.06%
1 Month:+0.10%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 87% of range
$60.19 $95.92
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)50.79 · Neutral
Price Performance
1M+0.10%
3M+8.06%
6M+25.24%
1Y+41.56%
Valuation vs Sector

P/E of 7.81 is below the sector median of 13.30 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 38.0%.
  • Profit CAGR of 10.7% over 5 years.
  • Attractive dividend yield of 2.91%.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

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

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Valuation

Stock P/E
7.81
Industry PE
13.30
Forward P/E
11.20
PEG Ratio
1.61
Book Value
$66.06
Price to Book
1.39
P/S
3.00
EV/EBITDA
-
Dividend Yield
2.91%

Growth (CAGR)

Revenue 5Y
2.31%
Profit 5Y
10.67%
Revenue (YoY)
7.60%
Earnings (YoY)
32.80%

Profitability & Returns

ROCE
-
ROE
19.84%
ROA
1.98%
Profit Margin
37.99%
Op Margin
41.93%
Gross Margin
0.00%
EPS (Latest Qtr)
$1.82
EPS (TTM)
$11.69

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$571.67M
Total Assets
$8.70B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
6.52%
Chg in Prom Hold
-
FII / Inst Holding
70.53%
Chg in FII Hold
-0.01%

Financial Snapshot

Enterprise Value
$1.31B
Total Revenue (TTM)
$440.85M
EBITDA
-
Free Cash Flow
$31.95M
Operating Cash Flow
$90.08M
Shares Outstanding
14.38M
Gross Margin
0.00%
Payout Ratio
21.90%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 TMP Tompkins Financial Corporation R2K 91.28 7.81 $1.31B 2.91% - 19.84% 2.31% 10.67%
2 JPM JPMorgan Chase & Co. SPX 342.89 16.42 $918.78B 1.87% - 16.47% 5.35% 7.56%
3 BRK-B Berkshire Hathaway Inc. SPX 491.09 14.61 $686.70B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPX 356.02 31.01 $590.89B 0.83% 37.15% 60.35% 14.33% 13.04%
5 MA Mastercard Incorporated SPX 538.02 31.10 $471.86B 0.71% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPX 60.62 15.04 $430.20B 2.00% - 10.64% 6.00% 3.49%
7 MS Morgan Stanley SPX 227.67 20.62 $359.10B 1.87% - 16.39% 3.76% 9.66%
8 GS The Goldman Sachs Group, Inc. SPX 1,140.00 20.83 $336.31B 1.69% - 14.55% - 2.21%
9 WFC Wells Fargo & Company SPX 85.29 13.18 $261.00B 2.11% - 12.03% 4.02% 15.98%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Dec 2014Mar 2015Jun 2015Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026
Revenue ---------15.39M15.95M16.14M-16.23M16.39M16.82M-17.22M16.70M17.74M-16.73M14.94M17.36M17.99M17.49M19.43M18.87M18.05M20.14M18.80M18.40M20.67M20.25M19.29M21.31M21.51M---
Net Income 12.69M12.68M17.39M14.50M13.85M14.25M14.83M15.14M15.12M15.72M16.93M17.39M2.46M20.44M22.06M20.90M18.91M21.04M19.39M20.21M21.08M7.95M21.43M24.23M25.63M22.83M21.34M23.27M20.87M21.34M19.38M8.47M-33.35M16.87M15.68M18.64M19.68M21.47M23.67M26.07M
Diluted EPS 0.850.841.150.960.920.940.981.000.991.031.111.140.161.331.431.361.231.371.271.341.400.531.441.631.721.541.451.601.451.481.350.59-2.351.181.101.301.371.501.651.82

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue --------63.09M65.96M67.56M65.75M72.60M73.97M75.03M79.33M75.74M
Net Income 31.83M33.83M35.42M31.29M50.86M52.04M58.42M59.34M52.49M82.31M81.72M77.59M89.26M85.03M9.51M70.85M161.07M
Diluted EPS 2.963.113.202.433.463.483.873.913.435.355.375.206.055.890.664.9711.24

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --3.26B3.40B4.84B5.00B5.27B5.69B6.24B6.65B6.76B6.73B7.62B7.82B7.67B7.82B8.11B8.67B
Total Equity 219.36M245.01M271.96M297.69M439.91M456.49M488.13M515.01M547.95M574.78M619.46M661.64M716.28M727.53M615.98M668.52M713.44M938.38M
Cash & Equivalents 52.35M45.46M49.66M49.57M118.93M82.88M56.07M58.26M63.95M84.30M80.39M137.98M388.46M63.11M77.84M79.54M134.40M132.82M
Total Liabilities --2.99B3.10B4.40B4.55B4.78B5.17B5.69B6.07B6.14B6.06B6.90B7.09B7.05B7.15B7.40B7.73B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 23.86M64.85M71.99M61.78M----86.06M107.27M101.61M101.39M121.18M103.34M89.00M94.97M38.87M
Investing Cash Flow -277.96M-133.79M-152.62M27.26M-----426.95M-143.60M133.99M-643.72M-583.29M-8.44M-146.30M-250.44M-300.73M
Financing Cash Flow 247.21M73.14M80.53M-19.67M158.63M206.58M--361.24M32.42M-178.01M792.81M136.76M-80.17M59.00M210.33M260.28M
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-4.74M-8.17M-6.76M-6.21M-6.92M
Free Cash Flow 18.70M61.32M68.68M54.71M----50.77M89.18M95.60M96.84M116.44M95.17M82.24M88.76M31.95M
Share Buybacks ----04.60M3.50M1.17M02.45M29.87M9.41M23.77M15.43M8.73M01.65M

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----------------
Operating Margin % -----------------
Net Margin % --------83.2%124.8%121.0%118.0%123.0%114.9%12.7%89.3%212.7%
ROE % 13.0%12.4%11.9%7.1%11.1%10.7%11.3%10.8%9.1%13.3%12.4%10.8%12.3%13.8%1.4%9.9%17.2%
ROCE % -----------------

Shareholding Pattern

Insiders
6.52%
Institutions
70.53%
Public Float
75.44%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 13.92% 2.00M $188.41M
2 State Street Corporation 8.25% 1.19M $111.63M
3 Tompkins Financial Corp 7.78% 1.12M $105.32M
4 Vanguard Portfolio Management LLC 5.24% 754.00K $70.95M
5 Dimensional Fund Advisors LP 4.08% 587.47K $55.28M
6 Vanguard Capital Management LLC 3.93% 565.94K $53.25M
7 Geode Capital Management, LLC 2.42% 348.31K $32.77M
8 American Century Companies Inc 2.14% 307.34K $28.92M
9 Rhino Investment Partners, Inc. 1.16% 166.94K $15.71M
10 Morgan Stanley 1.16% 167.19K $15.73M

Analyst View

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Latest News

Recent headlines for TMP

Google News Fri, 10 Jul 2026

(TMP) Volatility Zones as Tactical Triggers - Stock Traders Daily

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Google News Mon, 06 Jul 2026

Why Tompkins Financial (TMP) is a Top Dividend Stock for Your Portfolio - Yahoo Finance

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Google News Fri, 10 Jul 2026

Is Tompkins Financial (TMP) Fairly Valued On Its Russell 2000 Index Exit? - simplywall.st

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Google News Mon, 06 Jul 2026

Tompkins Financial (TMP) director receives 219-share stock retainer award - Stock Titan

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Google News ue, 26 May 2026

Insider Purchase: Director at $TMP Buys 1,164 Shares - Quiver Quantitative

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Google News Mon, 02 Feb 2026

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TMP — Frequently Asked Questions

What is the current share price of Tompkins Financial Corporation (TMP)?

As of 2026-07-14 21:23 PDT, Tompkins Financial Corporation (TMP) trades at $91.28 on NYSE American. Its 52-week range is $60.19 to $95.92.

What is the market capitalisation of TMP?

Tompkins Financial Corporation (TMP) has a market capitalisation of $1.31B on NYSE American.

What is the P/E ratio of TMP?

TMP trades at a trailing price-to-earnings (P/E) ratio of 7.81. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 1.39.

Does TMP pay a dividend?

Tompkins Financial Corporation (TMP) currently offers a dividend yield of 2.91%.

What is the return on equity (ROE) of TMP?

TMP has a return on equity (ROE) of 19.84%.

Is TMP a good stock to buy?

This page provides a data-driven analysis of Tompkins Financial Corporation (TMP), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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