TMPNYSEState Commercial BanksFiscal year ends December 31
TOMPKINS FINANCIAL CORP
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Jul 31, 2026
$97.17−0.41 (-0.42%)
Close on Oct 19, 2026
- Market cap
- $1.39B
- P/E (TTM)
- 8.0
- Dividend yield
- 3.22%
Tompkins Financial statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of State Commercial Banks companies for comparison
Valuation
| Measure | Tompkins Financial | Industry median |
|---|---|---|
| Market Cap | $1.40B | $679.86M |
| Enterprise Value | $1.25B | $408.94M |
| PE Ratio | 7.96 | 11.99 |
| PS Ratio | 3.08 | 3.59 |
| P/FCF Ratio | 29.26 | 10.89 |
| P/OCF Ratio | 24.51 | 10.01 |
Enterprise value
| Measure | Tompkins Financial | Industry median |
|---|---|---|
| EV / Sales | 2.76 | 2.76 |
| EV / FCF | 26.16 | 8.23 |
Income (trailing twelve months)
| Measure | Tompkins Financial | Industry median |
|---|---|---|
| Revenue | $453.08M | $170.85M |
| Pretax Income | $243.83M | $70.12M |
| Net Income | $175.30M | $54.33M |
| EPS (Diluted) | $12.21 | $2.91 |
Margins
| Measure | Tompkins Financial | Industry median |
|---|---|---|
| Pretax Margin | 53.8% | 36.5% |
| Profit Margin | 38.7% | 29.1% |
| FCF Margin | 10.5% | 33.2% |
Returns
| Measure | Tompkins Financial | Industry median |
|---|---|---|
| Return on Assets (ROA) | 2.04% | 1.12% |
Growth
| Measure | Tompkins Financial | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 214.8% | 11.8% |
| Net Income Growth (YoY) | 120.7% | 23.2% |
| EPS Growth (YoY) | 120.4% | 23.1% |
| FCF Growth (YoY) | -39.4% | 28.5% |
| Revenue Growth (3Y CAGR) | 0.79% | 5.82% |
| Revenue Growth (5Y CAGR) | 2.87% | 6.17% |
| EPS Growth (3Y CAGR) | 24.0% | 1.31% |
| EPS Growth (5Y CAGR) | 16.7% | 8.24% |
Balance sheet
| Measure | Tompkins Financial | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $147.77M | $205.54M |
| Net Cash (Debt) | $147.77M | $164.40M |
| Net Cash Per Share | $10.27 | $8.13 |
Cash flow (trailing twelve months)
| Measure | Tompkins Financial | Industry median |
|---|---|---|
| Operating Cash Flow | $57.01M | $61.52M |
| Capital Expenditures | -$9.24M | -$4.08M |
| Free Cash Flow | $47.77M | $52.15M |
| FCF Per Share | $3.32 | $3.05 |
Efficiency
| Measure | Tompkins Financial | Industry median |
|---|---|---|
| Asset Turnover | 0.05 | 0.04 |
| Revenue Per Employee | $520.78K | $353.78K |
| Profits Per Employee | $201.49K | $107.28K |
| Employee Count | 870 | 489 |
Dividends and yields
| Measure | Tompkins Financial | Industry median |
|---|---|---|
| Earnings Yield | 12.5% | 8.13% |
| FCF Yield | 3.42% | 8.91% |
| Dividend Yield | 3.22% | 2.48% |
| Shareholder Yield | 3.22% | 3.13% |
| Dividend Per Share | $3.13 | $0.93 |
| Dividend Growth (YoY) | 28.3% | 4.26% |
| Years of Dividend Growth | 11 | 2 |
| Payout Ratio | 21.4% | 29.3% |
| FCF Payout Ratio | 78.6% | 26.0% |
Shares
| Measure | Tompkins Financial | Industry median |
|---|---|---|
| Shares Outstanding | 14,382,900 | 18,839,100 |
| Shares Change (YoY) | 0.26% | 0.40% |
| Float | 13,993,500 | 17,061,900 |
| Shares Held by Insiders | 2.71% | 5.89% |
| Shares Held by Institutions | 70.6% | 61.9% |
Taxes
| Measure | Tompkins Financial | Industry median |
|---|---|---|
| Income Tax | $68.53M | $14.50M |
| Effective Tax Rate | 28.1% | 21.1% |
Scores
| Measure | Tompkins Financial | Industry median |
|---|---|---|
| Altman Z-Score | 0.27 | 0.21 |
| Piotroski F-Score | 4 | 6 |
Calculated by StockData from Tompkins Financial's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.