Tompkins Financial Corporation

Valuation Analysis

About the Company

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 ind

Tompkins Financial Corporation Stock at a Glance

Tompkins Financial Corporation (TMP) is currently trading at $92.02 with a market capitalization of $1.3B. The trailing P/E ratio stands at 7.87x, with a forward P/E of 11.29x. The 52-week range spans from $59.67 to $92.18; the current price is 0.2% below the yearly high. Year-over-year revenue growth stands at +7.6%. The net profit margin stands at 37.99%.

💰 Dividend

Tompkins Financial Corporation pays an annual dividend of $2.68 per share, representing a yield of 2.91%. The payout ratio stands at 21.9%.

📊 Analyst Rating

2 analysts rate Tompkins Financial Corporation (TMP) on consensus: None. The average price target is $88.50, implying -3.83% from the current price. Analyst price targets range from $87.00 to $90.00.

Tompkins Financial Corporation: The Investment Case in Detail

Tompkins Financial Corporation (TMP) operates in the Financial Services — specifically Banks - Regional — and is headquartered in United States. Below is a structured read of the investment case built directly from the latest fundamentals, valuation multiples, analyst positioning and smart-money flows. Each section translates raw numbers into the investment logic they imply, so you can decide whether the risk/reward fits your portfolio.

The Bull Case

Earnings growth of 32.8% is outpacing revenue, a sign of operational leverage — fixed costs are being absorbed across a larger base. Our valuation screen flags the stock as undervalued relative to its fundamentals — multiples are running below where the cash flow profile would normally justify.

What to Watch Next

• The share is trading at 99.5% of its 52-week range — a break above the recent high opens technical upside, a failure here often invites profit-taking.

Investment Thesis: Strengths & Weaknesses

Technical Snapshot

Price trades above both the 50- and 200-day moving averages, with 50d above 200d — a classic bullish setup (golden-cross alignment).

Risk Profile

The data points to relatively defensive market behavior.

Trading Data

💵 Dividend Info

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