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Tompkins Financial Corp (TMP) stock analysis

TMPNYSEState Commercial BanksFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Oct 30, 2026Score 16/30
$100.29−0.54 (-0.54%)

Close on Nov 11, 2026Market cap $1.44BP/E 8.0Yield 3.12%

StockData Score

Prices as of Nov 11, 2026How the score works

Value3Growth3Performance3Health3Dividend4

Solid16 of 30 checks passed

Tompkins Financial passes 16 of the 30 checks behind our score; 9 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
3/6
Growth
3/6
Past performance
3/6
Financial health
3/6
Dividend
4/6

What stands out

  • Earnings grew over 5 years

    Net income grew 15.7% a year on average over the last five fiscal years.

  • EPS growing 10%+ a year

    Diluted EPS grew 24.0% a year over the last three fiscal years.

  • Earnings growth accelerating

    Net income grew 113% over the last twelve months, against a 5-year average of 15.7% a year.

  • P/E below its 5-year median

    Tompkins Financial's P/E of 8.0 is below its own 5-year median of 12.7.

What to watch

  • Revenue growing under 10% a year

    Revenue grew 0.8% a year over the last three fiscal years, short of the 10% we look for.

  • Net margin below its 5-year average

    Net margin was 39.6% over the last twelve months, against a 5-year average of 111%.

  • Thin loan-loss reserve

    The allowance for credit losses is 0.9% of loans; we look for at least 1%.

  • Yield below Treasuries

    The 2.0% yield is below the 4.4% on a 1-year Treasury.

Valuation3/6

  • P/E below its 5-year median

    Tompkins Financial's P/E of 8.0 is below its own 5-year median of 12.7.

  • P/E below the industry

    Tompkins Financial's P/E of 8.0 is below the Commercial Banks median of 12.1.

  • P/S below the industry

    Tompkins Financial's price-to-sales of 3.16 is below the Commercial Banks median of 3.60.

  • P/B against the industry

    Needs positive book value.

  • Price against fair value

    We could not estimate a fair value: it needs at least two valuation methods with positive inputs.

  • Margin of safety

    Depends on the fair value estimate.

Growth3/6

  • Revenue growing under 10% a year

    Revenue grew 0.8% a year over the last three fiscal years, short of the 10% we look for.

  • EPS growing 10%+ a year

    Diluted EPS grew 24.0% a year over the last three fiscal years.

  • Earnings growth accelerating

    Net income grew 113% over the last twelve months, against a 5-year average of 15.7% a year.

  • Growing faster than the industry

    Revenue grew 117% over the last twelve months; the Commercial Banks median is 11.3%.

  • Company guidance

    No outlook found in earnings releases from the last twelve months.

  • Gross margin trend

    Banks and insurers do not report gross profit.

Past performance3/6

  • Return on equity

    Needs positive equity and five years of results.

  • Return on assets over 1%

    Return on assets was 2.1%; for a bank or insurer, 1% or more is considered good.

  • Return on equity against the industry

    Needs positive equity.

  • Earnings grew over 5 years

    Net income grew 15.7% a year on average over the last five fiscal years.

  • Net margin below its 5-year average

    Net margin was 39.6% over the last twelve months, against a 5-year average of 111%.

  • Net margin above the industry

    Tompkins Financial's net margin of 39.6% is above the Commercial Banks median of 30.3%.

Financial health3/6

  • Well capitalized

    Needs equity and total assets.

  • Loans funded by deposits

    Loans equal 90.0% of deposits, so lending is funded by customer deposits.

  • Thin loan-loss reserve

    The allowance for credit losses is 0.9% of loans; we look for at least 1%.

  • Efficient operations

    Non-interest expense takes 43.5% of revenue; under 60% is efficient for a bank.

  • Deposits growing

    Deposits grew 5.0% over the past year.

  • Borrowings

    Needs debt and equity figures.

Dividend4/6

  • Pays a dividend

    Tompkins Financial paid dividends worth 2.0% of the share price over the last twelve months.

  • Yield below Treasuries

    The 2.0% yield is below the 4.4% on a 1-year Treasury.

  • Yield below the top quarter

    The top quarter of US dividend payers yield 3.8% or more; Tompkins Financial yields 2.0%.

  • Dividend not cut

    The dividend per share has not fallen by more than 10% in any of the last 10 fiscal years.

  • Covered by earnings

    Dividends take 21.5% of net income.

  • Covered by free cash flow

    Dividends take 77.8% of free cash flow.

Scores of similar companies

Fair value

How we estimate it

We don't publish a fair value for Tompkins Financial. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

  • P/E at month end
  • Own 5-year median 12.7
  • Commercial Banks median 12.1

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Market risk

From the past year of daily prices.

Liquidity

Medium risk

Average value traded per day
$10.24M
Value traded per 1% price move
$10.22M

Downside

Low risk

Typical loss in a bad month
11.3%
Volatility (annualized)
26%
Sharpe ratio, 1 year
1.69
Beta to the S&P 500 (5Y)
0.62

Typical bad-month loss, week by week

25%: high

Margins

Share of revenue, fiscal years 2011 to 2025

Net margin

212.7%+94.6 pts over 5 years

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