(TMP) Tompkins Financial - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE MKT (USA) | Market Cap: 1.205m USD | Total Return: 30.9% in 12m
Commercial Banking, Wealth Management, Insurance, Consumer Loans
Total Rating 47
Safety 46
Buy Signal 0.08
Banks - Regional
Industry Rotation: -9.8
Industry Rotation: -9.8
Market Cap:
1.20B
Avg Turnover: 4.53M
Avg Turnover: 4.53M
Risk 3d forecast
Volatility35.2%
VaR 5th Pctl5.47%
VaR vs Median-5.49%
Reward TTM
Sharpe Ratio0.93
Rel. Str. IBD67.9
Rel. Str. Peer Group86.2
Character TTM
Beta0.892
Beta Downside1.056
Hurst Exponent0.517
Drawdowns 3y
Max DD30.90%
CAGR/Max DD0.65
CAGR/Mean DD1.65
EPS (Earnings per Share)
EPS CAGR: 6.25%
EPS Trend: 25.5%
EPS Trend: 25.5%
Last SUE: 0.63
Qual. Beats: 0
Qual. Beats: 0
Revenue
Rev. CAGR: 10.55%
Rev. Trend: 58.2%
Rev. Trend: 58.2%
Last SUE: 0.40
Qual. Beats: 0
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Description: TMP Tompkins Financial
Tompkins Financial Corporation (TMP) is a New York-based financial holding company established in 1836. The firm operates a diversified business model organized into three primary segments: Banking, Insurance, and Wealth Management. Its core operations include traditional commercial and consumer banking, residential and commercial real estate lending, and specialized financing for agriculture and equipment.
The company generates revenue through net interest income from its loan portfolios and fee-based income from its insurance and fiduciary services. Regional banks like Tompkins often rely on a community banking model, which emphasizes localized decision-making and relationship-based lending to small businesses and high-net-worth individuals. This diversification into non-interest income streams, such as property and casualty insurance and employee benefit consulting, helps mitigate the impact of interest rate volatility on the banking segment.
Investors can find additional performance metrics and peer comparisons for TMP on ValueRay to further their analysis. The firm maintains a physical presence through its subsidiary banks while providing digital infrastructure for cash management and remote deposit services.
- Net interest margin compression impacts profitability amid fluctuating Federal Reserve benchmark rates
- Commercial real estate loan concentration increases credit risk exposure in regional markets
- Non-interest income growth depends on insurance and wealth management service expansion
- Operational efficiency ratios fluctuate based on digital banking technology and infrastructure investments
- Regional economic conditions in New York and Pennsylvania drive loan demand volume
Piotroski VR‑10 (Strict)
3.0
| Net Income: 167.5m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.24 > 1.0 |
| NWC/Revenue: -8.54% < 20% (prev -1.32k%; Δ 1.31k% < -1%) |
| CFO/TA 0.01 > 3% & CFO 90.1m > Net Income 167.5m |
| Net Debt (498.9m) to EBITDA (235.6m): 2.12 < 3 |
| Current Ratio: 0.58 > 1.5 & < 3 |
| Outstanding Shares: last quarter (14.3m) vs 12m ago 0.05% < -2% |
| Gross Margin: 76.15% > 18% (prev 0.67%; Δ 7.55k% > 0.5%) |
| Asset Turnover: 6.85% > 50% (prev 5.40%; Δ 1.45% > 0%) |
| Interest Coverage Ratio: 0.46 > 6 (EBITDA TTM 235.6m / Interest Expense TTM 130.4m) |
Altman Z''
0.35
| A: -0.01 (Total Current Assets 68.7m - Total Current Liabilities 118.1m) / Total Assets 8.70b |
| B: 0.08 (Retained Earnings 678.6m / Total Assets 8.70b) |
| C: 0.01 (EBIT TTM 59.3m / Avg Total Assets 8.45b) |
| D: 0.08 (Book Value of Equity 653.9m / Total Liabilities 7.75b) |
| Altman-Z'' Score: 0.35 = B |
Beneish M
-2.00
| DSRI: 2.00 (Receivables 30.7m/11.7m, Revenue 579.0m/442.9m) |
| GMI: 0.88 (GM 76.15% / 66.63%) |
| AQI: 1.14 (AQ_t 0.98 / AQ_t-1 0.86) |
| SGI: 1.31 (Revenue 579.0m / 442.9m) |
| TATA: 0.01 (NI 167.5m - CFO 90.1m) / TA 8.70b) |
| Beneish M-Score: -2.00 (Cap -4..+1) = BB |
What is the price of TMP shares?
As of May 16, 2026, the stock is trading at USD 82.06 with a total of 67,644 shares traded.
Over the past week, the price has changed by -4.33%, over one month by -1.26%, over three months by -1.32% and over the past year by +30.89%.
Over the past week, the price has changed by -4.33%, over one month by -1.26%, over three months by -1.32% and over the past year by +30.89%.
Is TMP a buy, sell or hold?
Tompkins Financial has received a consensus analysts rating of 3.50.
Therefor, it is recommend to hold TMP.
- StrongBuy: 0
- Buy: 1
- Hold: 1
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the TMP price?
| Analysts Target Price | 88.5 | 7.8% |
Tompkins Financial (TMP) - Fundamental Data Overview
as of 13 May 2026
P/E Trailing = 7.1651 P/E Forward = 12.8535
P/S = 2.7327
P/B = 1.303
P/EG = 1.6064
Revenue TTM = 579.0m USD
EBIT TTM = 59.3m USD
EBITDA TTM = 235.6m USD
Long Term Debt = 449.4m USD (from longTermDebt, last quarter)
Short Term Debt = 118.1m USD (from shortTermDebt, last quarter)
Debt = 567.6m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 498.9m USD (from netDebt column, last quarter)
Enterprise Value = 1.70b USD (1.20b + Debt 567.6m - CCE 68.7m)
Interest Coverage Ratio = 0.46 (Ebit TTM 59.3m / Interest Expense TTM 130.4m)
EV/FCF = 20.60x (Enterprise Value 1.70b / FCF TTM 82.7m)
FCF Yield = 4.85% (FCF TTM 82.7m / Enterprise Value 1.70b)
FCF Margin = 14.29% (FCF TTM 82.7m / Revenue TTM 579.0m)
Net Margin = 28.93% (Net Income TTM 167.5m / Revenue TTM 579.0m)
Gross Margin = 76.15% ((Revenue TTM 579.0m - Cost of Revenue TTM 138.1m) / Revenue TTM)
Gross Margin QoQ = 71.78% (prev 85.52%)
Tobins Q-Ratio = 0.20 (Enterprise Value 1.70b / Total Assets 8.70b)
Interest Expense / Debt = 5.43% (Interest Expense 30.8m / Debt 567.6m)
Taxrate = 24.35% (8.39m / 34.5m)
NOPAT = 44.9m (EBIT 59.3m * (1 - 24.35%))
Current Ratio = 0.58 (Total Current Assets 68.7m / Total Current Liabilities 118.1m)
Debt / Equity = 0.60 (Debt 567.6m / totalStockholderEquity, last quarter 946.7m)
Debt / EBITDA = 2.12 (Net Debt 498.9m / EBITDA 235.6m)
Debt / FCF = 6.03 (Net Debt 498.9m / FCF TTM 82.7m)
Total Stockholder Equity = 858.9m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.98% (Net Income 167.5m / Total Assets 8.70b)
RoE = 19.50% (Net Income TTM 167.5m / Total Stockholder Equity 858.9m)
RoCE = 4.54% (EBIT 59.3m / Capital Employed (Equity 858.9m + L.T.Debt 449.4m))
RoIC = 3.23% (NOPAT 44.9m / Invested Capital 1.39b)
WACC = 7.51% (E(1.20b)/V(1.77b) * Re(9.12%) + D(567.6m)/V(1.77b) * Rd(5.43%) * (1-Tc(0.24)))
Discount Rate = 9.12% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 0.05%
[DCF] Terminal Value 79.67% ; FCFF base≈88.8m ; Y1≈84.9m ; Y5≈82.3m
[DCF] Fair Price = 79.40 (EV 1.64b - Net Debt 498.9m = Equity 1.14b / Shares 14.4m; r=7.51% [WACC]; 5y FCF grow -5.81% → 3.0% )
EPS Correlation: 25.46 | EPS CAGR: 6.25% | SUE: 0.63 | # QB: 0
Revenue Correlation: 58.20 | Revenue CAGR: 10.55% | SUE: 0.40 | # QB: 0
EPS current Quarter (2026-06-30): EPS=1.82 | Chg30d=+1.11% | Revisions=+20% | Analysts=2
EPS next Quarter (2026-09-30): EPS=1.91 | Chg30d=+1.33% | Revisions=+20% | Analysts=2
EPS current Year (2026-12-31): EPS=7.53 | Chg30d=+2.17% | Revisions=+20% | GrowthEPS=+19.3% | GrowthRev=-21.4%
EPS next Year (2027-12-31): EPS=8.15 | Chg30d=+1.31% | Revisions=+20% | GrowthEPS=+8.3% | GrowthRev=+8.1%
[Analyst] Revisions Ratio: +20%