Tompkins Financial Corporation TMP

99.57 1.43 1.46% as of 25 Sep
Market cap
$1.4B
P/E
8.1×
Growth Flags show if company had growth for consecutive years,
Insider Buys alert about insiders buying in the last 12 month

Insider Decisions

Total buys 0.20
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — 1 — — — — — 1 — — — —
Sell — — — — — — — — — — — —
Insider Ownership 5.66%

Capital & Financial Ratios

Market Cap 1,410.00
Revenue 581.87
Net Income 175.30
Free Cash Flow 50.81
Net Debt 397.80
Current Ratio 0.95
Debt/Equity 0.57
P/E ratio 8.10
P/S ratio 2.43
P/B ratio 1.48
Past 5Y EPS Growth (1.55%)
This Y EPS Growth (30.47%)
Next Y EPS Growth 6.46%
Next 5Y EPS Growth 16.78%
in millions of $

Dividends

Payout Ratio 0.50
Annual Dividend Rate 2.40
Annual Dividend Yield 4.97%
total individual payouts
2027 Powerpack
2026 2.75
0.67
0.67
0.70
2025 2.51
0.62
0.62
0.62
0.65
2024 2.44
0.60
0.61
0.61
0.62
2023 2.40
0.60
0.60
0.60
0.60
2022 2.31
0.57
0.57
0.57
0.60
2021 2.19
0.54
0.54
0.54
0.57
2020 2.10
0.52
0.52
0.52
0.54
2019 2.02
0.50
0.50
0.50
0.52
2018 1.94
0.48
0.48
0.48
0.50
2017 1.82
0.45
0.45
0.45
0.47
2016 1.77
0.44
0.44
0.44
0.45
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 80 135 134 149
Receivables — — — —
Inventory — — — —
Other — — — —
5,814 6,275 6,717 6,841
2023 2024 2025 Q'26
Payables 6,400 6,472 6,938 7,029
ST’ Debt — — — —
Other — — — —
6,451 6,509 7,033 7,211
in millions of $

Compound Annual Growth

10y 5y 3y
Sales 8.31% 12.02% 20.69%
Cash Flow (7.28%) (17.45%) (27.81%)
Earnings 10.67% 15.73% 23.73%
Book Value 6.15% 5.51% 14.98%

Revenue

Mar Jun Sep Dec Year
’26 115 119 — — —
’25 114 116 122 227 579
’24 105 107 113 111 436
’23 90 84 34 100 308
’22 79 80 84 86 329
’21 80 79 82 80 320
’20 82 81 83 82 328
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Mar Jun Sep Dec Year
’26 73 (15) — — —
’25 22 18 36 (37) 39
’24 23 27 21 23 95
’23 23 22 25 19 89
’22 24 28 31 21 103
’21 30 20 41 30 121
’20 24 19 18 40 101
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Mar Jun Sep Dec Year
’26 71 (17) — — —
’25 37 17 35 (39) 51
’24 22 26 19 22 89
’23 21 20 23 18 83
’22 24 23 29 19 95
’21 29 19 40 28 117
’20 23 18 17 38 97
in millions of $ · fiscal quarters ending in the months shown

EPS

Mar Jun Sep Dec Year
’26 1.82 2.04 — — —
’25 1.37 1.50 1.65 6.70 11.24
’24 1.18 1.10 1.30 1.37 4.97
’23 1.35 0.59 (2.35) 1.05 0.66
’22 1.60 1.45 1.48 1.36 5.89
’21 1.72 1.54 1.45 1.33 6.05
’20 0.53 1.44 1.63 1.61 5.20
fiscal quarters ending in the months shown

Target Price Range

Analyst price targets

Recommendation Rating

2
1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
50.54 71.27 69.02 71.54 53.32 66.83 68.50 46.85 43.09 54.16

Analyst estimates 2026–2028

Powerpack
Low Price
96.70 96.00 91.99 91.93 93.66 92.80 86.42 79.48 79.01 77.33
High Price
1,046 1,041 1,035 1,048 1,084 1,074 1,072 1,032 1,011 870
Employees
0 0 0 0 0 0 0 0 0 1
Revenue/Emp
272 296 329 337 328 320 329 308 436 579
Revenue
91.86% 91.40% 87.91% 84.93% 91.17% 94.53% 93.61% 71.44% 68.68% 77.14%
Gross Margin
87 95 104 103 98 115 110 12 93 225
EBT
31.86% 32.18% 31.68% 30.54% 29.76% 35.79% 33.32% 3.94% 21.34% 38.84%
EBT Margin
59 52 82 82 78 89 85 10 71 161
Net Income
21 21 20 19 22 23 17 14 9 5
Depreciation
18.33 19.80 21.88 22.59 22.32 21.98 22.98 21.58 30.64 40.62
Revenue/Sh
3.94 3.46 5.39 5.39 5.22 6.08 5.92 0.66 4.98 11.30
Earnings/Sh
6.13 5.76 7.13 6.82 6.90 8.32 7.21 6.24 6.68 2.73
Cash Flow/Sh
(1.09) (2.35) (0.98) (0.37) (0.31) (0.32) (0.55) (0.45) (0.42) 0.85
Capex/Sh
5.04 3.41 6.15 6.44 6.59 8.00 6.66 5.79 6.26 3.58
Free CF/Sh
37.09 38.54 41.28 44.48 48.81 50.03 43.09 47.00 50.18 65.84
Book Value/Sh
15 15 15 15 15 15 14 14 14 14
Shares
24.36 23.52 13.92 16.98 13.55 13.75 13.04 91.20 13.62 6.42
PE Ratio
5.20 4.10 3.43 4.05 3.16 3.80 3.35 2.75 2.21 1.79
PS Ratio
2.57 2.11 1.82 2.06 1.45 1.67 1.79 1.26 1.35 1.10
PB Ratio
8.06 7.43 6.45 5.59 2.78 3.99 4.00 4.44 3.72 2.53
EV/Sales
29.30 43.19 22.95 19.62 9.43 10.96 13.81 16.55 18.19 28.69
EV/FCF
91 86 107 102 101 121 103 89 95 39
Op' Cash Flow
(16) (35) (15) (6) (5) (5) (8) (6) (6) 12
Capex
75 51 92 96 97 117 95 83 89 51
FCF
(281) (115) (17) (157) (796) (1,646) (1,176) (636) (234) (317)
Working Cap'
885 1,072 1,076 658 265 124 291 602 790 564
Total Debt
778 987 995 520 (124) 60 213 522 655 431
Net Debt
549 576 621 663 718 729 617 670 713 938
Sh' Equity
1.00% 0.81% 1.23% 1.21% 1.08% 1.16% 1.10% 0.12% 0.89% 1.92%
ROA
4.07% 3.81% 4.03% 5.43% 10.29% 9.08% 8.26% 0.64% 4.25% 10.26%
ROIC
11.13% 9.33% 13.75% 12.73% 11.24% 12.34% 12.63% 1.48% 10.24% 19.50%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Tompkins Financial Corporation (TMP) key facts

  • Tompkins Financial Corporation (TMP) is a Banks Regional company in the Financial sector, listed on NYSE American.
  • Tompkins Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $578.9 million, up 32.9% from fiscal 2024.
  • Net income was $161.1 million, or $11.30 per share (basic), a net margin of 27.8%.
  • As of September 25, 2026, TMP traded at $99.57, a market capitalization of $1.4 billion.
  • At that price the stock trades at 8.1× trailing-twelve-month earnings and 2.4× sales.
  • Tompkins Financial Corporation pays an annual dividend of $2.40 per share, a yield of 4.97%, with a payout ratio of 49.6%.
  • Return on equity was 19.5% and debt-to-equity 0.57.

Source: company filings (standardised) and stockrow calculations.

Tompkins Financial Corporation (TMP) Latest News

News by impact score

Fine-tune

25 Sep

3

Tompkins Financial (TMP), Ithaca-based financial services firm, posted a 35.33% price gain year-to-date and offers a $0.70 quarterly dividend (2.85% yield), above its Banks - Northeast peers (2.17%) and the S&P 500 (1.43%). Its annualized dividend is $2.80, up 11.6% year over year, and five-year dividend increases total five times (avg. 3.65% per year). The payout ratio stands at 37%. For 2026, consensus EPS is $7.75, up about 22.8% from the prior year. TMP carries a Zacks Rank of #3 (Hold). The piece cautions that dividend performance can be sensitive to rising rates and notes that future dividend growth hinges on earnings growth and payout policy; the article frames TMP as a compelling dividend opportunity but not a high-growth stock. Rising dividend and solid 2026 earnings expectations point to a moderately favorable near-term outlook for TMP.

24 Sep

3

Tompkins Financial (TMP) closed at $96.69 as investors weigh strong price momentum against earnings risk. The bank-focused regional lender is up about 33% year-to-date and 45% over the past year, but declines in annual revenue and net income could curb future returns. Valuation prints a mixed picture: TMP trades at 7.9x P/E, below peers at ~15.1x and the US bank median of ~11.6x, yet a fair P/E estimate sits near 7.2x, slightly below the current multiple. A Simply Wall St DCF values TMP around $103.26, implying roughly 6% upside from the current price. The analysis suggests the stock looks modestly undervalued but faces continued earnings headwinds that could challenge the upside if profitability deteriorates. Investors face a blended outlook: potential upside from undervaluation, tempered by growth headwinds and credit risk considerations. Valuation implies possible upside, but expected earnings deterioration could limit gains.

24 Jul

4

Tompkins Financial Corporation posted record financial results for the third consecutive quarter. Record earnings over three straight quarters point to sustained profitability gains that can lift stock price and investor outlook.

21 May

4

Tompkins Financial Corporation posted record 2025 results and raised its dividend, potentially improving the investment case for TMP shares. Record 2025 results combined with a dividend increase represent major positive developments that can lift valuation and investor sentiment.

25 Apr

4

Tompkins Financial Corporation (TMP) posted stronger Q1 EPS and net interest income, potentially shifting its investment narrative amid positive financial momentum. Stronger Q1 EPS and net interest income represent significant positive financial results that could alter investor sentiment and TMP's market trajectory.

24 Apr

4

Tompkins Financial Corporation reported record first quarter financial results. Record first quarter results indicate strong financial performance likely to positively influence TMP's stock price and investor sentiment.

3

Tompkins Financial Corporation (TMP) surpassed Q1 earnings and revenue estimates. Exceeding Q1 earnings and revenue estimates positively affects TMP's financial performance and investor sentiment but remains one quarter's results.

9 Feb

4

Tompkins Financial Corporation (TMP) is highlighted as a potential investment opportunity in February 2026, showcasing its strong fundamentals and growth prospects amidst a competitive market. Analysts emphasize the company's strategic initiatives and financial health, suggesting it may be undervalued compared to peers. The article outlines TMP's commitment to innovation and customer service, positioning it favorably for future market dynamics. Investors are encouraged to consider TMP as a viable option for long-term growth in the evolving financial landscape. Tompkins Financial Corporation's strategic initiatives and growth prospects are likely to significantly influence its future performance and market positioning.

2 Feb

4

Tompkins Financial Corporation (TMP) is highlighted as an attractive dividend stock due to its consistent dividend payments, strong financial performance, and commitment to shareholder returns. The company has a solid track record of increasing dividends, making it appealing for income-focused investors. Additionally, TMP's robust balance sheet and strategic growth initiatives position it well for future success, further enhancing its dividend reliability. Strong financial performance and commitment to dividends indicate significant impact on future market positioning.

3

Tompkins Financial Corporation (TMP) is highlighted among five bank stocks that have recently increased their dividends, indicating a positive trend in shareholder returns. The article emphasizes the importance of dividend hikes as a sign of financial health and stability, suggesting that these companies are well-positioned to reward investors. TMP's recent actions reflect a broader trend in the banking sector, where firms are returning more capital to shareholders amid improving economic conditions. Recent dividend hikes may enhance investor sentiment and financial performance, but the overall impact is expected to be limited.

3

Tompkins Financial Corporation (TMP) is highlighted as an undervalued small-cap stock with notable insider buying activity in February 2026. This trend suggests confidence from executives and may indicate potential growth opportunities. The article emphasizes the importance of monitoring insider actions as a signal for investment decisions, particularly in the context of small-cap stocks across various regions. Insider buying activity may influence market sentiment and investor confidence, but its overall impact on TMP's long-term trajectory is expected to be limited.

31 Jan

3

Tompkins Financial Corporation (TMP) has experienced notable share price momentum recently, prompting a reassessment of its valuation. Analysts are evaluating the implications of this price movement on the company's financial health and market positioning. Factors such as market trends, competitive landscape, and economic conditions are being considered to determine the sustainability of this momentum and its potential impact on future performance. Recent share price momentum may influence financial performance and market sentiment but is not expected to fundamentally alter the company's trajectory.

30 Jan

4

Tompkins Financial Corporation reported its Q4 earnings, highlighting a notable increase in net income compared to the previous year. The company attributed this growth to improved loan performance and increased fee income. Additionally, Tompkins announced a dividend increase, reflecting its strong financial position. The results indicate a positive trend in the company's operations, suggesting resilience in a challenging economic environment. The significant increase in net income and dividend reflects strong financial health and strategic positioning in the market.

4

Tompkins Financial Corporation reported record earnings per share for the fourth quarter of 2025, reflecting strong financial performance and growth. The company attributed this success to effective cost management and increased revenue from its banking and investment services. Overall, the results exceeded analysts' expectations, positioning Tompkins favorably in the market. Record earnings per share indicate significant financial growth and improved market positioning.

3

Tompkins Financial Corporation has declared a cash dividend of $0.56 per share, payable on December 15, 2023, to shareholders of record as of December 1, 2023. This decision reflects the company's ongoing commitment to returning value to its shareholders and indicates a stable financial position. The dividend declaration suggests a stable financial performance but does not indicate significant changes in the company's strategic direction.

9 Jan

4

Tompkins Financial Corporation (TMP) is highlighted as an undervalued asset in the U.S. market for January 2026, with analysts noting its strong fundamentals and growth potential. The company is positioned well within the financial sector, benefiting from strategic initiatives and a robust balance sheet. Investors are encouraged to consider TMP as a promising opportunity amidst broader market fluctuations. Tompkins Financial Corporation's strong fundamentals and growth potential indicate a significant impact on its future performance.

8 Dec

4

Tompkins Financial Corporation has been recognized as a top-performing small-cap bank by Piper Sandler, highlighting its strong financial performance and operational efficiency. This recognition underscores the bank's commitment to delivering value to its shareholders and maintaining a competitive edge in the financial sector. Recognition by Piper Sandler is likely to enhance investor sentiment and could significantly impact the company's market positioning.

5 Dec

3

Tompkins Financial Corporation (TMP) is highlighted as one of three undervalued small-cap stocks experiencing insider activity, suggesting potential growth opportunities. The article emphasizes the importance of insider buying as a positive indicator for investors, pointing out TMP's recent performance and market position. Analysts believe that the company's fundamentals and insider confidence could lead to a favorable investment outlook. Insider activity may influence investor sentiment and financial performance, but the overall effect is expected to be limited.

26 Nov

3

Tompkins Financial Corporation has announced a larger dividend and reported insider buying, which may indicate renewed confidence in the company's financial health or a commitment to steady discipline. The moves have sparked discussions among investors regarding the implications for the company's future performance and market sentiment. The dividend increase and insider buying may moderately influence investor sentiment and financial performance.

24 Nov

4

Tompkins Financial Corporation (TMP) is highlighted as a promising investment opportunity in November 2025, showcasing its strong financial performance and strategic initiatives. The company has demonstrated resilience in a competitive market, with a focus on innovation and customer service. Analysts suggest that TMP's growth potential is supported by favorable market conditions and effective management strategies, making it a noteworthy contender for investors seeking undervalued stocks. Tompkins Financial Corporation's strategic initiatives and strong financial performance are likely to significantly impact its future market position.

4 Nov

4

Tompkins Financial Corporation has sold its insurance arm to Gallagher for $223 million. This strategic move is part of Tompkins' efforts to streamline operations and focus on its core banking business. The transaction is expected to enhance Gallagher's position in the insurance market while providing Tompkins with additional capital to invest in growth opportunities. The sale represents a significant strategic shift for Tompkins Financial, potentially impacting its future operations and market positioning.

4

Tompkins Financial Corporation has sold its insurance arm to Gallagher for $223 million. This divestiture is part of Tompkins' strategy to focus on its core banking operations and enhance shareholder value. The transaction is expected to close in the fourth quarter of 2023, subject to regulatory approvals. The sale of the insurance arm represents a significant strategic shift that could enhance Tompkins' focus on banking and improve financial performance.

3 Nov

3

Tompkins Financial Corporation has announced the sale of Tompkins Insurance Agencies, Inc. to Arthur J. Gallagher & Co. The transaction is part of Tompkins' strategy to focus on its core banking and financial services operations. The sale is expected to enhance shareholder value and streamline the company's offerings. The sale may moderately influence Tompkins Financial's focus and operational efficiency, impacting its financial performance.

3

Arthur J. Gallagher & Co. has acquired Tompkins Insurance Agencies, Inc., a subsidiary of Tompkins Financial Corporation. This acquisition is part of Gallagher's strategy to expand its insurance operations and enhance its service offerings. The deal is expected to strengthen Gallagher's presence in the insurance market and provide additional resources and expertise to Tompkins Insurance Agencies. The acquisition may moderately influence Tompkins Financial's competitive positioning and market sentiment.

26 Oct

3

Tompkins Financial Corporation (TMP) is facing challenges related to margin expansion, which could counteract bearish profit narratives surrounding the company. Despite these challenges, there are indications that TMP may navigate through these issues effectively, potentially stabilizing its financial outlook and investor sentiment. Margin expansion challenges may moderately influence financial performance and market sentiment.

24 Oct

4

Tompkins Financial Corporation reported improved financial results for the third quarter, highlighting growth in net income and total assets. The company experienced an increase in loans and deposits, reflecting strong customer demand and effective management strategies. Additionally, the bank's net interest margin showed positive trends, contributing to overall profitability. Management expressed optimism about future performance, citing ongoing investments in technology and customer service enhancements. Improved financial results and strategic investments are likely to significantly impact future performance and investor sentiment.

3

Tompkins Financial Corporation (TMP) is highlighted as one of three undiscovered investment opportunities in the U.S. market. The article emphasizes TMP's strong financial performance, strategic growth initiatives, and commitment to community engagement. Analysts suggest that TMP's unique positioning and potential for expansion make it an attractive option for investors seeking undervalued stocks. The company’s focus on innovation and customer service is noted as a key differentiator in a competitive landscape. Tompkins Financial's strategic growth initiatives and strong financial performance may moderately influence its market positioning.

3

Tompkins Financial Corporation reported its Q3 earnings, showing a notable increase in net income compared to the previous year. The company's performance was driven by growth in loans and deposits, alongside improved net interest margins. Management highlighted strategic initiatives aimed at enhancing operational efficiency and customer service. Overall, the results reflect a positive trajectory for the company amidst a competitive banking environment. The earnings report indicates moderate growth and operational improvements that could influence financial performance.

3

Tompkins Financial Corporation has declared a cash dividend of $0.56 per share, payable on December 15, 2023, to shareholders of record as of December 1, 2023. This dividend reflects the company's ongoing commitment to returning value to its shareholders and is consistent with its historical dividend policy. The dividend declaration indicates financial stability and shareholder value but does not significantly alter the company's overall trajectory.

22 Sep

4

Tompkins Financial Corporation (TMP) is highlighted as a promising investment opportunity among U.S. companies that are often overlooked. The article emphasizes TMP's strong financial performance, strategic growth initiatives, and commitment to community engagement, positioning it as a potential gem in the financial sector. Analysts suggest that TMP's focus on innovation and customer service could lead to significant long-term gains, making it an attractive option for investors seeking undervalued stocks with growth potential. Tompkins Financial's strategic growth initiatives and strong financial performance are likely to significantly impact its future trajectory and investor sentiment.

stockrow.com/TMP · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com