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Tompkins Financial Corporation

TMP

Last
$95.73
Day
-0.8%
1y
+50.1%
5y
+19.2%
52w
-5.9%
SPY YTD
+13.3%
XLF
-1.3%
Earnings
2026-10-2313d
EMA 21
97.59
EMA 50
97.15
EMA 200
88.27
20d high
-4.4%
5y high
-5.9%
5y range
90th
Website · 813 employees · United States

Positions held

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Score
20
Hold
swing
Signal
Buy
Target
$102.90
Stop
$93.38
Stop distance
2.5%
Target vs last
+7.5%

Bull / bear case

Site-generated summary from fundamentals, news, and score — not investment advice. As of 2026-10-08.

Bull case
  • Tompkins Financial Corporation operates in a stable regional banking sector, benefiting from a strong competitive position and a focus on customer service.
  • In the most recent quarter, revenue increased by 4% compared to the prior quarter, reaching $87 million.
  • The company has shown significant earnings growth of 36% year-over-year, indicating strong operational performance.
Bear case
  • The financial services industry faces regulatory challenges that could impact profit margins and operational flexibility.
  • Tompkins Financial's trailing P/E ratio is 7.99, which may indicate undervaluation but also reflects market skepticism about future growth.
  • The stock has a beta of 0.739, suggesting lower volatility compared to the market, but this may also limit upside potential in a bullish market.

Fundamentals

Market cap$1.39BEnterprise value$1.97BTrailing P/E7.89Forward P/E11.83
PEG1.61Price / book1.44Beta0.74Dividend yield2.90%
Revenue growth7.2%Earnings growth36.0%Gross margin0.0%Operating margin45.0%
Profit margin39.3%ROE20.4%ROA2.0%Debt / equity—
Current ratio—Free cash flow—Analyst recommendationbuyMean target$104.50
52w high$102.5952w low$61.88

Quarterly

2026-Q22026-Q12025-Q42025-Q32025-Q22025-Q1
Revenue$87.1M$83.7M$2.3M$87.4M$82.6M—
Op margin——————
Net income$29.3M$26.1M$96.2M$23.7M$21.5M—
Gross margin——————
Gross profit——————
Operating income——————
  • Revenue +4% vs prior quarter ($87M vs $84M).

Yearly (6y)

20252024202320222021
Revenue$254M$295M$216M$304M—
Op margin—————
Net income$161M$70.8M$9.5M$85.0M—
Gross margin—————
Gross profit—————
Operating income—————
Headline scan

No flags

• No distress or material-risk keywords in recent headlines (keyword scan only — not a guarantee).

News

TMP · daily-1.3% over 13 sessions
Close EMA21 EMA50 EMA200
93.9895.5997.2098.81100.422026-092026-092026-092026-092026-102026-102026-10
Quarterly · revenue, net income, margins
Revenue Net income Gross margin Op margin
$0M$24M$48M$72M$96M0%5%10%2025-Q22025-Q32025-Q42026-Q12026-Q2