Tompkins Financial Corp TMP

FinancialsBanking ServicesUnited States of America

Last close 99.52 USD on Nov 1, 2026, +40.4% year to date

Quant rating

Quant rating B Rank 295 of 799 in Financials

Growth C 395 of 799
Valuation C 513 of 799
Quality B 148 of 799
Revisions D 572 of 799
Momentum B 124 of 799

Wall Street consensus Buy (2.50)Average target 105.50 USD +6.0%

Historical valuation

Multiples use consensus estimates for the next twelve months. The dashed line is the 5-year average.

Key data

Market cap: 1.4B
Enterprise value: 1.5B
52-week range: 63.15 – 104.15
3-year range: 43.51 – 104.15
Dividend yield: 2.97%
Beta (5 years): 0.75
Shares outstanding: 14.3M
Next earnings: Jan 30, 2027

About the company

Tompkins Financial Corporation is a banking and financial services company serving the Central, Western, and Hudson Valley regions of New York and the Southeastern region of Pennsylvania. The Company's segments include banking and wealth management. Its banking segment’s services consist primarily of attracting deposits from the areas served by the Company’s banking subsidiary and using those deposits to originate a variety of commercial loans, agricultural loans, consumer loans, real estate loans, and leases in those same areas. Its banking services also include a full suite of products, such as debit cards, credit cards, remote deposit, electronic banking, mobile banking, cash management, and safe deposit services. The wealth management segment is organized under the Tompkins Financial Advisors brand. Tompkins Financial Advisors offers a range of financial services to customers, including trust and estate services, investment management, financial and tax planning services.

Growth and profitability fiscal year ends December 31

Growth and profitability by fiscal year
	2025	2024	2023	2022	2021	5Y avg
Revenue (mil)	382	348	297	251	241	–
Revenue growth	9.9%	16.9%	18.3%	4.1%	−5.1%	8.5%
EPS (basic, normalized)	1.84	4.98	0.66	5.92	6.08	–
EPS growth	−63.1%	650.6%	−88.8%	−2.8%	16.6%	−18.8%
Gross margin	–	–	–	–	–	–
Net margin	42.2%	20.4%	3.2%	33.7%	36.7%	27.2%
ROE	19.5%	10.2%	1.5%	13.2%	12.4%	11.4%

Balance sheet, last quarter
Cash & short-term investments (mil)	–
Tier 1 risk-adjusted capital ratio	14.0%
Long-term debt (mil)	0
Net debt (mil)	–
Total equity (mil)	936
Net debt / equity	–

Estimates and valuation

Consensus estimates and implied multiples
	Sales (mil)			Book value per share			EPS
Fiscal year	Mean est.	Growth	EV/Sales	Mean est.	Growth	P/B	Mean est.	Growth	P/E
2025 actual	382	+9.9%	3.9x	65.41	+28.8%	1.5x	11.24	+126.2%	8.9x
2026	353	−7.7%	4.2x	69.40	+6.1%	1.4x	7.83	−30.3%	12.7x
2027	381	+8.0%	3.9x	75.08	+8.2%	1.3x	8.26	+5.4%	12.0x
2028	–	–	–	–	–	–	8.98	+8.7%	11.1x

Estimate revisions

Change in consensus estimates over 1, 3 and 6 months
	Sales				EPS
Fiscal year	Estimate (mil)	1M	3M	6M	Estimate	1M	3M	6M
2026	353	0.0%	+0.5%	+0.7%	7.83	+0.2%	+1.6%	+4.2%
2027	381	0.0%	+0.5%	+0.4%	8.26	−0.7%	−0.1%	+1.3%
2028	–	–	–	–	8.98	–	–	–

Earnings surprises EPS beat in 3 of the last 4 quarters

Reported results versus consensus, last 10 fiscal quarters
Quarter ended	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Sales reported (mil)	72.8	72.7	76.6	77.1	81.7	82.6	87.4	195	83.7	87.1
Sales mean (mil)	74.2	71.3	75.6	74.8	79.4	81.1	87.0	136	83.6	86.5
Surprise	−1.8%	+2.0%	+1.3%	+3.2%	+2.9%	+1.9%	+0.5%	+43.1%	+0.1%	+0.7%
EPS reported	1.18	1.10	1.30	1.37	1.37	1.50	1.65	6.70	1.82	2.04
EPS mean	1.15	0.90	1.21	1.16	1.31	1.43	1.70	1.71	1.75	1.82
Surprise	+2.6%	+22.2%	+7.4%	+18.6%	+4.7%	+4.9%	−3.1%	+292.2%	+3.8%	+12.0%

Peer comparison Banking Services

Peers in the same industry group, by market capitalization
Company	Market cap	Tier 1 ratio	Net margin	Deposits/loans	FY1 P/E	FY2 P/E	FY1 P/B	FY2 P/B
TMP Tompkins Financial Corp	1.4B	14.0%	42.2%	1.09x	12.7x	12.0x	1.4x	1.3x
TFSL TFS Financial Corp	4.6B	15.7%	11.7%	0.67x	42.1x	40.6x	2.3x	2.2x
CVBF CVB Financial Corp	4.0B	14.7%	35.0%	1.40x	14.6x	11.3x	1.2x	1.2x
BANF BancFirst Corp	3.7B	19.1%	31.6%	1.50x	14.2x	13.5x	1.8x	1.6x
NIC Nicolet Bankshares Inc	3.6B	10.8%	32.0%	1.14x	14.1x	12.6x	1.6x	1.4x
PRK Park National Corp	3.2B	13.9%	33.1%	1.04x	14.7x	13.4x	1.8x	1.7x
Mean		14.7%	30.9%	1.14x	18.7x	17.2x	1.7x	1.6x
Median		14.4%	32.5%	1.11x	14.4x	13.0x	1.7x	1.5x

Technical analysis

1M+1.9%
3M−1.0%
1Y+56.7%
3Y+126.8%

Financial statements in millions of USD

Income statement in millions of USD, fiscal years

Income statement, Tompkins Financial Corp, fiscal years, most recent first
	2025	2024	2023	2022	2021	2020
Interest income	382	348	297	251	241	254
Total interest expense	132	136	87.8	21.0	17.5	29.0
Net interest income	250	211	210	230	224	225
Loan loss provision	11.5	6.6	4.3	2.8	−2.2	17.2
Net interest income after loan loss provision	238	204	205	227	226	208
Non-interest income	197	88.1	10.2	78.0	78.8	73.9
Non-interest expense	−210	−200	−203	−196	−190	−184
Net income before taxes	225	93.0	12.1	110	115	97.7
Provision for taxes	63.8	22.0	2.5	24.6	25.2	19.9
Minority interest & equity in affiliates	0	−0.1	−0.1	−0.1	−0.1	−0.2
Other	0	0	0	0	0	0
Net income before extraordinary items	161	70.8	9.5	85.0	89.3	77.6
Extraordinary items	–	–	–	–	–	–
Net income	161	70.8	9.5	85.0	89.3	77.6
Basic weighted average shares (mil)	14.3	14.2	14.3	14.3	14.6	14.7
Diluted weighted average shares (mil)	14.3	14.3	14.3	14.4	14.6	14.7
Basic EPS excluding extraordinary items	11.30	4.98	0.66	5.92	6.08	5.22
Basic EPS, normalized	1.84	4.98	0.66	5.92	6.08	5.22

Balance sheet in millions of USD, fiscal years

Balance sheet, Tompkins Financial Corp, fiscal years, most recent first
	2025	2024	2023	2022	2021	2020
Assets
Cash & due from banks	50.7	53.6	67.2	18.6	23.1	21.2
Other earning assets	1,853	1,668	1,776	1,985	2,380	2,012
Net loans	6,389	5,963	5,554	5,223	5,033	5,209
Property, plant & equipment	98.6	104	107	115	85.4	88.7
Goodwill	72.7	92.6	92.6	92.6	92.4	92.4
Intangibles	1.7	2.2	2.3	2.7	3.6	4.9
Long-term investments	–	–	–	–	–	–
Other long-term assets	–	–	–	–	–	–
Other assets	203	226	220	234	202	194
Total assets	8,668	8,109	7,820	7,671	7,820	7,622
Liabilities
Accounts payable	–	–	–	–	–	–
Payable/accrued	–	–	–	–	–	–
Accrued expenses	27.7	28.5	29.1	34.5	–	–
Total deposits	6,938	6,472	6,400	6,602	6,791	6,438
Other bearing liabilities	564	790	602	291	124	265
Short-term borrowings	95.6	37.0	51.0	56.3	66.8	65.8
Current portion of long-term debt	–	–	–	–	–	–
Long-term debt	0	0	0	0	0	13.2
Minority interest	–	0	1.4	1.4	1.4	1.4
Other liabilities	104	68.0	67.8	68.9	109	123
Total liabilities	7,730	7,396	7,151	7,055	7,092	6,906
Shareholders' equity
Preferred stock	–	–	–	–	–	–
Common stock	1.4	1.4	1.4	1.5	1.5	1.5
Additional paid-in capital	299	300	297	303	313	334
Retained earnings (accumulated deficit)	662	537	502	527	475	418
Treasury stock	−5.4	−6.7	−6.6	−6.3	−5.8	−5.5
Other equity	−19.1	−118	−125	−209	−56.0	−32.1
Total equity	938	713	669	616	728	716
Total liabilities & shareholders' equity	8,668	8,109	7,820	7,671	7,820	7,622

Cash flow statement in millions of USD, fiscal years

Cash flow statement, Tompkins Financial Corp, fiscal years, most recent first
	2025	2024	2023	2022	2021	2020
Operating activities
Net income	161	70.8	9.5	85.0	89.3	77.6
Depreciation, depletion & amortization	8.6	10.5	11.7	11.6	11.6	11.7
Deferred taxes	−1.4	−3.1	−0.4	0.9	1.8	−6.3
Non-cash items	−203	−0.3	3.8	8.1	16.5	12.5
Changes in working capital	73.4	17.0	64.4	−2.3	2.0	5.9
Cash from operations	38.9	95.0	89.0	103	121	101
Investing activities
Capital expenditures	−6.9	−6.2	−6.8	−8.2	−4.7	−4.6
Other investing cash flows	−294	−244	−140	−0.3	−579	−639
Cash from investing	−301	−250	−146	−8.4	−583	−644
Financing activities
Financing cash flow items	298	245	102	−33.6	209	836
Cash dividends paid	−36.1	−35.0	−34.5	−33.6	−32.4	−31.4
Issuance (retirement) of debt, net	–	–	–	–	–	–
Other financing cash flows	−1.6	0.1	−8.8	−13.0	−39.7	−12.0
Cash from financing	260	210	59.0	−80.2	137	793
Foreign exchange effects	–	–	–	–	–	–
Net change in cash	−1.6	54.9	1.7	14.7	−325	250
Free cash flow	31.9	88.8	82.2	95.2	116	96.8

Disclaimer

The financial data presented in this report is delayed and obtained from sources QDD Research believes to be reliable, including stock exchanges, SEDAR, and EDGAR. However, no representation or warranty is made as to the accuracy, completeness, or timeliness of the information. QDD Research accepts no liability for any errors, omissions, or financial losses arising from the use of this data.

This report is generated using a fully systematic and quantitative approach. All factor scores and the overall quant rating (ranging from D to A+) are derived from algorithmic models and are based solely on objective financial metrics. These scores are intended for informational purposes only and should not be interpreted as investment advice or a recommendation to buy, sell, or hold any securities.

QDD Research is not a registered investment advisor or broker-dealer and does not provide personalized financial advice. The content is not tailored to the specific investment goals, financial situation, or risk profile of any individual investor. We strongly encourage readers to consult with a licensed broker or investment advisor before making any investment decisions based on the information contained in this report.

Live quote provided by TradingView. Report data updated Nov 1, 2026 after market close.