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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. In the quarter to June 2026, revenue grew 2.51%, EPS grew 36.4%, free cash flow fell 198.6% and total debt fell 18.8%, each against the same quarter a year earlier. Dividend growth for ten consecutive years; insiders bought in the last twelve months.

97.58 0.36 +0.37%
Market cap
$1.4B
P/E
7.9×
Fwd P/E
11.6×
Dividend yield
2.76%
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.20
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy 1 — — — — — 1 — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 5.66%

Capital & Financial Ratios $m

Market Cap 1,400.00
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 7.94
Fwd P/E 11.60
P/S ratio 2.39
P/B ratio 1.45
Past 5Y EPS Growth 16.67% (at or above 15%: strong)
This Y EPS Growth (30.56%) (below 0%: weak)
Next Y EPS Growth 4.55%
Next Y revenue growth (38.96%) (below 0%: weak)
Next 5Y EPS Growth (7.83%) (below 0%: weak)

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 5.82%
10-year low 10-year high
P/S against its own 10 years 24.47%
10-year low 10-year high
P/B against its own 10 years 36.09%
10-year low 10-year high

Dividends

Payout Ratio 0.22
Annual Dividend Rate 2.69
Annual Dividend Yield 2.76%
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 special payouts not included in total or ratios

Assets vs Liabilities $m

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

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 $m

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
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

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
Fiscal quarters ending in the months shown.

Free Cash Flow $m

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
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

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 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
High 96.70 96.00 91.99 91.93 93.66 92.80 86.42 79.48 79.01 77.33
People
People Employees 1,046 1,041 1,035 1,048 1,084 1,074 1,072 1,032 1,011 870
Revenue/emp, $m 0.26 0.28 0.32 0.32 0.30 0.30 0.31 0.30 0.43 0.67
Income, $m
Income, $m Revenue 272 296 329 337 328 320 329 308 436 579
Gross margin, % 91.86 91.40 87.91 84.93 91.17 94.53 93.61 71.44 68.68 77.14
EBT 87 95 104 103 98 115 110 12 93 225
EBT margin, % 31.86 32.18 31.68 30.54 29.76 35.79 33.32 3.94 21.34 38.84
Net income 59 52 82 82 78 89 85 10 71 161
Depreciation 21 21 20 19 22 23 17 14 9 5
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
Earnings 3.94 3.46 5.39 5.39 5.22 6.08 5.92 0.66 4.98 11.30
Cash flow 6.13 5.76 7.13 6.82 6.90 8.32 7.21 6.24 6.68 2.73
Capex (1.09) (2.35) (0.98) (0.37) (0.31) (0.32) (0.55) (0.45) (0.42) 0.85
Free cash flow 5.04 3.41 6.15 6.44 6.59 8.00 6.66 5.79 6.26 3.58
Book value 37.09 38.54 41.28 44.48 48.81 50.03 43.09 47.00 50.18 65.84
Shares, m 15 15 15 15 15 15 14 14 14 14
Valuation, ×
Valuation, × P/E 24.36 23.52 13.92 16.98 13.55 13.75 13.04 91.20 13.62 6.42
P/S 5.20 4.10 3.43 4.05 3.16 3.80 3.35 2.75 2.21 1.79
P/B 2.57 2.11 1.82 2.06 1.45 1.67 1.79 1.26 1.35 1.10
EV/Sales 8.06 7.43 6.45 5.59 2.78 3.99 4.00 4.44 3.72 2.53
EV/FCF 29.30 43.19 22.95 19.62 9.43 10.96 13.81 16.55 18.19 28.69
Cash, $m
Cash, $m Operating cash flow 91 86 107 102 101 121 103 89 95 39
Capex (16) (35) (15) (6) (5) (5) (8) (6) (6) 12
Free cash flow 75 51 92 96 97 117 95 83 89 51
Balance, $m
Balance, $m Working capital (281) (115) (17) (157) (796) (1,646) (1,176) (636) (234) (317)
Total debt 885 1,072 1,076 658 265 124 291 602 790 564
Net debt 778 987 995 520 (124) 60 213 522 655 431
Shareholders’ equity 549 576 621 663 718 729 617 670 713 938
Returns, %
Returns, % ROA 1.00 0.81 1.23 1.21 1.08 1.16 1.10 0.12 0.89 1.92
ROIC 4.07 3.81 4.03 5.43 10.29 9.08 8.26 0.64 4.25 10.26
ROE 11.13 9.33 13.75 12.73 11.24 12.34 12.63 1.48 10.24 19.50
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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
TFIN Triumph Financial, Inc. $1.5B 41.6× 40.6× +13.51% (above 0%: growing) +193.33% (above 0%: growing) +372.54% (above 0%: growing) 82.38% 0.00% Compare
ESQ Esquire Financial Holdings, Inc. $1.4B 18.4× 28.7× +18.87% (above 0%: growing) +6.08% (above 0%: growing) +59.96% (above 0%: growing) 88.35% 0.00% Compare
LKFN Lakeland Financial Corporation $1.4B 13.3× 13.8× +1.75% (above 0%: growing) +8.57% (above 0%: growing) +36.16% (above 0%: growing) 65.79% 0.00% Compare
AMAL Amalgamated Financial Corp. $1.4B 12.4× 10.7× +15.47% (above 0%: growing) +36.47% (above 0%: growing) −23.52% (below 0%: shrinking) 75.97% 0.00% Compare
BHRB Burke & Herbert Financial Services Corp. $1.4B 11.1× 8.4× +20.93% (above 0%: growing) −74.75% (below 0%: shrinking) +49.60% (above 0%: growing) 70.87% 0.00% Compare
WABC Westamerica Bancorporation $1.4B 13.5× 12.7× −2.49% (below 0%: shrinking) +4.46% (above 0%: growing) −33.14% (below 0%: shrinking) 94.98% 0.00% Compare
TMP Tompkins Financial Corporation $1.4B 7.9× 11.6× +2.51% (above 0%: growing) +36.42% (above 0%: growing) −198.57% (below 0%: shrinking) 73.16% 0.00%
CTBI Community Trust Bancorp, Inc. $1.4B 12.5× 11.1× +6.97% (above 0%: growing) +18.84% (above 0%: growing) +217.37% (above 0%: growing) 72.12% 0.00% Compare
PEBO Peoples Bancorp Inc. $1.3B 11.0× 11.0× −3.48% (below 0%: shrinking) +31.67% (above 0%: growing) +12.07% (above 0%: growing) 76.44% 0.00% Compare
Median of peers $1.4B 12.9× 11.9× +10.24% +13.71% +42.88% 76.21% 0.00%

All 323 Banks Regional stocks →

Tompkins Financial Corporation (TMP) key facts

  • Strength: Tompkins Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $578.9 million, up 32.9% from fiscal 2024.
  • Strength: Net income was $161.1 million, or $11.30 per share (basic), a net margin of 27.8%.
  • Tompkins Financial Corporation (TMP) is a Banks Regional company in the Financial sector, listed on NYSE American.
  • As of October 16, 2026, TMP traded at $97.58, a market capitalization of $1.4 billion.
  • At that price the stock trades at 7.9× trailing-twelve-month earnings and 2.4× sales; its P/E is higher than 6% of its own readings over the past ten years.
  • Tompkins Financial Corporation pays an annual dividend of $2.69 per share, a yield of 2.76%, with a payout ratio of 22.0%.
  • Return on equity was 19.5% and debt-to-equity 0.57.
  • Its Piotroski F-score is 6 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

Tompkins Financial Corporation (TMP) Latest News

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