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Tompkins Financial Corporation

TMP Financial Banks Regional

Tompkins Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $578.9 million, up 32.9% from fiscal 2024.

Revenue
+0.61%
EPS
+21.1%
Free cash flow
+4.04%
Total debt
−8.58%

Quarter to September 2026, against a year earlier

100.26 2.34 −2.28%
Market cap
$1.4B
P/E
7.9×
Fwd P/E
12.6×
Dividend yield
3.42%
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.10
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — 1 — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 5.86%

Capital & Financial Ratios $m

Size
Market Cap 1,440.00
Revenue ttm 582.61
Net income ttm 180.28
Free cash flow ttm 52.24
Net debt Q 164.56
Valuation
P/E 7.93
Forward P/E 12.60
Price / sales 2.45
Forward P/S Powerpack
Price / FCF 27.30
Price / book 1.52
Financial health
Current ratio Q 0.94
Debt / equity Q 0.43
Interest coverage Q —
Growth
Revenue growth Q +0.61% (above 0%: growing)
Operating income growth Q +21.38% (above 0%: growing)
EPS, this year −29.63% (below 0%: weak)
EPS, next year A +5.06%
Revenue, next year A −39.03% (below 0%: weak)
EPS, past 5 yrs +16.67% (at or above 15%: strong)
EPS, next 5 yrs A −7.35% (below 0%: weak)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 6.01%
10-year low 10-year high
P/S against its own 10 years 27.14%
10-year low 10-year high
P/B against its own 10 years 41.36%
10-year low 10-year high

Dividends raised every year since 2018

Yield
3.42%
Annual rate
3.43
Payout ratio
27.3%
Growth, 2018–26
+4.60%/yr
  1. 1.94 ’18
  2. 2.02 ’19 +4
  3. 2.10 ’20 +4
  4. 2.19 ’21 +4
  5. 2.31 ’22 +5
  6. 2.40 ’23 +4
  7. 2.44 ’24 +2
  8. 2.51 ’25 +3
  9. 2.78 ’26 +11
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 80 135 134 242
Receivables — — — —
Inventory — — — —
Other — — — —
5,814 6,275 6,717 7,078
2023 2024 2025 Q'26
Payables 6,400 6,472 6,938 7,409
ST’ Debt — — — —
Other — — — —
6,451 6,509 7,033 7,543

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%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 1.91 Actual 2.00

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 1.77 1.78 Beat by 0.01
Q1 FY26 1.71 1.82 Beat by 0.11
Q2 FY26 1.80 2.04 Beat by 0.24
Q3 FY26 1.91 2.00 Beat by 0.09
Q4 FY26 1.98 — Reports 29 January 2027

EPS $

Mar Jun Sep Dec Year
’26 1.82 2.04 2.00 — —
’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.

Revenue $m

Mar Jun Sep Dec Year
’26 115 119 122 — —
’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
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 73 (15) 38 — —
’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
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 71 (17) 37 — —
’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
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 272 296 329 337 328 320 329 308 436 579 583 +8.8% 353 379 394 (12.0%)
Gross margin, % 91.86 91.40 87.91 84.93 91.17 94.53 93.61 71.44 68.68 77.14 78.18 (14.7) pt
EBT 87 95 104 103 98 115 110 12 93 225 250 +11.2%
EBT margin, % 31.86 32.18 31.68 30.54 29.76 35.79 33.32 3.94 21.34 38.84 42.99 +7.0 pt
Net income 59 52 82 82 78 89 85 10 71 161 180 +11.7%
Per share, $
Per share, $ Revenue 18.33 19.80 21.88 22.59 22.32 21.98 22.98 21.58 30.64 40.62 40.96 +9.2%
Earnings 3.94 3.46 5.39 5.39 5.22 6.08 5.92 0.66 4.98 11.30 12.64 +12.4%
Cash flow 6.13 5.76 7.13 6.82 6.90 8.32 7.21 6.24 6.68 2.73 4.15 (8.6%)
Capex (1.09) (2.35) (0.98) (0.37) (0.31) (0.32) (0.55) (0.45) (0.42) 0.85 (0.48) n/m
Free cash flow 5.04 3.41 6.15 6.44 6.59 8.00 6.66 5.79 6.26 3.58 3.67 (3.7%)
Book value 37.09 38.54 41.28 44.48 48.81 50.03 43.09 47.00 50.18 65.84 65.83 +6.6%
Shares, m 15 15 15 15 15 15 14 14 14 14 14 (0.4%)
Valuation, ×
Valuation, × P/E 24.36 23.52 13.92 16.98 13.55 13.75 13.04 91.20 13.62 6.42 7.93 23.0
P/S 5.20 4.10 3.43 4.05 3.16 3.80 3.35 2.75 2.21 1.79 2.45 3.4
P/B 2.57 2.11 1.82 2.06 1.45 1.67 1.79 1.26 1.35 1.10 1.52 1.7
EV/Sales 8.06 7.43 6.45 5.59 2.78 3.99 4.00 4.44 3.72 2.53 — 4.9
EV/FCF 29.30 43.19 22.95 19.62 9.43 10.96 13.81 16.55 18.19 28.69 — 21.3
Cash, $m
Cash, $m Operating cash flow 91 86 107 102 101 121 103 89 95 39 59 (9.0%)
Capex (16) (35) (15) (6) (5) (5) (8) (6) (6) 12 (7) n/m
Free cash flow 75 51 92 96 97 117 95 83 89 51 52 (4.1%)
Balance, $m
Balance, $m Working capital (281) (115) (17) (157) (796) (1,646) (1,176) (636) (234) (317) (465) +1.3%
Net debt 778 987 995 520 (124) 60 213 522 655 431 165 (6.4%)
Shareholders’ equity 549 576 621 663 718 729 617 670 713 938 936 +6.1%
Returns, %
Returns, % ROA 1.00 0.81 1.23 1.21 1.08 1.16 1.10 0.12 0.89 1.92 2.07 +0.9 pt
ROIC 4.07 3.81 4.03 5.43 10.29 9.08 8.26 0.64 4.25 10.26 14.24 +6.2 pt
ROE 11.13 9.33 13.75 12.73 11.24 12.34 12.63 1.48 10.24 19.50 20.90 +8.4 pt
People
People Employees 1,046 1,041 1,035 1,048 1,084 1,074 1,072 1,032 1,011 870 — (2.0%)
Revenue/emp, $m 0.26 0.28 0.32 0.32 0.30 0.30 0.31 0.30 0.43 0.67 — +11.0%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 3 Nov 2026

Tompkins Financial Corporation vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
ESQ Esquire Financial Holdings, Inc. $1.5B 19.7× 20.5× +18.87% (above 0%: growing) +6.08% (above 0%: growing) +59.96% (above 0%: growing) 88.35% 0.00% Compare
LKFN Lakeland Financial Corporation $1.5B 13.7× 13.5× +1.66% (above 0%: growing) +11.65% (above 0%: growing) +29.20% (above 0%: growing) 66.58% 0.00% Compare
TFIN Triumph Financial, Inc. $1.5B 31.6× 31.8× +17.43% (above 0%: growing) +1,225.00% (above 0%: growing) +92.55% (above 0%: growing) 82.08% 0.00% Compare
AMAL Amalgamated Financial Corp. $1.5B 12.0× 11.7× +12.48% (above 0%: growing) +37.01% (above 0%: growing) −13.76% (below 0%: shrinking) 76.18% 0.00% Compare
TMP Tompkins Financial Corporation $1.4B 7.9× 12.6× +0.61% (above 0%: growing) +21.08% (above 0%: growing) +4.04% (above 0%: growing) 73.43% 0.00%
BHRB Burke & Herbert Financial Services Corp. $1.4B 11.2× 11.4× +20.93% (above 0%: growing) −74.75% (below 0%: shrinking) +49.60% (above 0%: growing) 70.87% 0.00% Compare
PEBO Peoples Bancorp Inc. $1.4B 11.3× 11.8× −1.59% (below 0%: shrinking) +11.61% (above 0%: growing) +270.28% (above 0%: growing) 77.52% 0.00% Compare
WABC Westamerica Bancorporation $1.4B 12.9× 12.8× +0.43% (above 0%: growing) +8.93% (above 0%: growing) −33.14% (below 0%: shrinking) 94.65% 0.00% Compare
FMBH First Mid Bancshares, Inc. $1.4B 12.6× 11.2× +22.84% (above 0%: growing) +7.14% (above 0%: growing) +290.93% (above 0%: growing) 75.49% 0.00% Compare
Median of peers $1.4B 12.7× 12.3× +14.96% +10.27% +54.78% 76.85% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 6 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 3.22m 2.44m 123.05
2024 1.87m 1.98m 88.20
2023 2.76m 1.29m 74.90
2022 1.76m 1.63m 92.72
2021 2.18m 1.98m 96.99

Ownership

Directors and executive officers, together 2.52%
BlackRock, Inc. 13.24%
The Vanguard Group 9.74%
State Street Corporation One Congress Street, Suite 8.42%
778,580 5.40%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Tompkins Financial Corporation (TMP) Latest News

25 Oct

Impact 3 · · Simply Wall St.

23 Oct

Impact 4 · · Business Wire
Impact 3 · · Zacks
Impact 3 · · Associated Press
Impact 3 · · Business Wire

13 Oct

Impact 3 · · Zacks

29 Sep

Impact 3 · · Zacks

25 Sep

Impact 3 · · Zacks

24 Sep

Impact 3 ·

24 Jul

Impact 4 ·

21 May

Impact 4 · · Simply Wall St.

25 Apr

Impact 4 · · Simply Wall St.

24 Apr

Impact 4 · · Business Wire
Impact 3 · · Zacks

9 Feb

Impact 4 · · Simply Wall St.

2 Feb

Impact 4 · · ZacksAssociated Press FinanceSimply Wall St.MT NewswiresZacksZacksZacksZacks
Impact 3 · · Zacks
Impact 3 · · Simply Wall St.

31 Jan

Impact 3 · · Simply Wall St.

30 Jan

Impact 4 · · Associated Press Finance
Impact 4 · · Business Wire
Impact 3 ·

9 Jan

Impact 4 · · Simply Wall St.

8 Dec

Impact 4 · · Business Wire

5 Dec

Impact 3 · · Simply Wall St.

26 Nov

Impact 3 · · Simply Wall St.

24 Nov

Impact 4 · · Simply Wall St.

4 Nov

Impact 4 · · lifeinsuranceinternational.com
Impact 4 · · retailbankerinternational.com

3 Nov

Impact 3 · · PR Newswire
stockrow.com/TMP · Data as of Nov 3, 2026 · For information only; not investment advice. · © 2026 stockrow.com