(TMP) Tompkins Financial - Overview
Stock: Deposits, Loans, Insurance, Wealth Management, Leasing
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 3.85% |
| Yield on Cost 5y | 4.40% |
| Yield CAGR 5y | 3.47% |
| Payout Consistency | 94.2% |
| Payout Ratio | 42.6% |
| Risk 5d forecast | |
|---|---|
| Volatility | 37.8% |
| Relative Tail Risk | -14.3% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.70 |
| Alpha | 8.58 |
| Character TTM | |
|---|---|
| Beta | 0.901 |
| Beta Downside | 0.972 |
| Drawdowns 3y | |
|---|---|
| Max DD | 42.53% |
| CAGR/Max DD | 0.12 |
Description: TMP Tompkins Financial January 21, 2026
Tompkins Financial Corporation (NYSE MKT: TMP) is a diversified financial holding company headquartered in Ithaca, New York, operating through three core segments-Banking, Insurance, and Wealth Management. The firm delivers a full suite of deposit products (checking, savings, time deposits, IRAs) and a broad array of loan and leasing solutions spanning commercial real-estate, equipment, agriculture, residential mortgages, personal and auto financing, as well as letters of credit and sweep accounts.
Beyond traditional banking, TMP provides digital banking channels (online, mobile, remote deposit), credit and debit card services, safe-deposit and ATM access, and a comprehensive suite of trust, estate, financial-planning, and insurance offerings (property-casualty, life, disability, long-term care). Its client base is concentrated among individuals, high-net-worth clients, corporate executives, and small-business owners.
Recent metrics show a loan-to-deposit ratio of roughly 78 % and a net interest margin of 3.2 % (Q4 2023), indicating modest pricing power amid a rising-rate environment; however, the regional-bank sector remains sensitive to credit-quality pressure and Fed policy cycles, with delinquency rates trending upward to 1.4 % YoY. TMP’s return on equity has hovered near 9 % over the past year, while its efficiency ratio remains around 58 %, reflecting a lean cost structure relative to peers.
For a deeper, data-driven view of TMP’s valuation dynamics, consider exploring the analyst tools on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income: 84.5m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.06 > 1.0 |
| NWC/Revenue: -1314 % < 20% (prev -1229 %; Δ -85.41% < -1%) |
| CFO/TA 0.01 > 3% & CFO 99.3m > Net Income 84.5m |
| Net Debt (332.2m) to EBITDA (115.4m): 2.88 < 3 |
| Current Ratio: 0.15 > 1.5 & < 3 |
| Outstanding Shares: last quarter (14.3m) vs 12m ago 0.45% < -2% |
| Gross Margin: 68.37% > 18% (prev 0.67%; Δ 6769 % > 0.5%) |
| Asset Turnover: 5.61% > 50% (prev 5.28%; Δ 0.33% > 0%) |
| Interest Coverage Ratio: 0.81 > 6 (EBITDA TTM 115.4m / Interest Expense TTM 134.2m) |
Altman Z'' -4.33
| A: -0.72 (Total Current Assets 1.06b - Total Current Liabilities 7.13b) / Total Assets 8.47b |
| B: 0.07 (Retained Earnings 575.1m / Total Assets 8.47b) |
| C: 0.01 (EBIT TTM 108.6m / Avg Total Assets 8.24b) |
| D: 0.06 (Book Value of Equity 492.8m / Total Liabilities 7.68b) |
| Altman-Z'' Score: -4.33 = D |
Beneish M -3.13
| DSRI: 0.76 (Receivables 10.9m/13.0m, Revenue 462.2m/422.4m) |
| GMI: 0.98 (GM 68.37% / 67.30%) |
| AQI: 1.07 (AQ_t 0.87 / AQ_t-1 0.81) |
| SGI: 1.09 (Revenue 462.2m / 422.4m) |
| TATA: -0.00 (NI 84.5m - CFO 99.3m) / TA 8.47b) |
| Beneish M-Score: -3.13 (Cap -4..+1) = AA |
What is the price of TMP shares?
Over the past week, the price has changed by +6.30%, over one month by +10.15%, over three months by +25.79% and over the past year by +23.52%.
Is TMP a buy, sell or hold?
- StrongBuy: 0
- Buy: 1
- Hold: 1
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the TMP price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 78 | -2.6% |
| Analysts Target Price | 78 | -2.6% |
| ValueRay Target Price | 91.8 | 14.5% |
TMP Fundamental Data Overview January 29, 2026
P/S = 3.4573
P/B = 1.3888
P/EG = 2.46
Revenue TTM = 462.2m USD
EBIT TTM = 108.6m USD
EBITDA TTM = 115.4m USD
Long Term Debt = 444.9m USD (from longTermDebt, last quarter)
Short Term Debt = 80.8m USD (from shortTermDebt, last quarter)
Debt = 525.7m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 332.2m USD (from netDebt column, last quarter)
Enterprise Value = 572.3m USD (1.10b + Debt 525.7m - CCE 1.05b)
Interest Coverage Ratio = 0.81 (Ebit TTM 108.6m / Interest Expense TTM 134.2m)
EV/FCF = 6.04x (Enterprise Value 572.3m / FCF TTM 94.7m)
FCF Yield = 16.55% (FCF TTM 94.7m / Enterprise Value 572.3m)
FCF Margin = 20.49% (FCF TTM 94.7m / Revenue TTM 462.2m)
Net Margin = 18.28% (Net Income TTM 84.5m / Revenue TTM 462.2m)
Gross Margin = 68.37% ((Revenue TTM 462.2m - Cost of Revenue TTM 146.2m) / Revenue TTM)
Gross Margin QoQ = 69.85% (prev 68.75%)
Tobins Q-Ratio = 0.07 (Enterprise Value 572.3m / Total Assets 8.47b)
Interest Expense / Debt = 6.50% (Interest Expense 34.2m / Debt 525.7m)
Taxrate = 23.89% (7.43m / 31.1m)
NOPAT = 82.7m (EBIT 108.6m * (1 - 23.89%))
Current Ratio = 0.15 (Total Current Assets 1.06b / Total Current Liabilities 7.13b)
Debt / Equity = 0.67 (Debt 525.7m / totalStockholderEquity, last quarter 788.8m)
Debt / EBITDA = 2.88 (Net Debt 332.2m / EBITDA 115.4m)
Debt / FCF = 3.51 (Net Debt 332.2m / FCF TTM 94.7m)
Total Stockholder Equity = 751.4m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.03% (Net Income 84.5m / Total Assets 8.47b)
RoE = 11.24% (Net Income TTM 84.5m / Total Stockholder Equity 751.4m)
RoCE = 9.08% (EBIT 108.6m / Capital Employed (Equity 751.4m + L.T.Debt 444.9m))
RoIC = 6.11% (NOPAT 82.7m / Invested Capital 1.35b)
WACC = 7.85% (E(1.10b)/V(1.62b) * Re(9.24%) + D(525.7m)/V(1.62b) * Rd(6.50%) * (1-Tc(0.24)))
Discount Rate = 9.24% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 0.35%
[DCF Debug] Terminal Value 77.99% ; FCFF base≈94.7m ; Y1≈90.5m ; Y5≈87.6m
Fair Price DCF = 87.89 (EV 1.60b - Net Debt 332.2m = Equity 1.27b / Shares 14.4m; r=7.85% [WACC]; 5y FCF grow -5.81% → 2.90% )
EPS Correlation: 3.76 | EPS CAGR: 5.92% | SUE: -0.35 | # QB: 0
Revenue Correlation: 47.75 | Revenue CAGR: 12.98% | SUE: 0.71 | # QB: 0
EPS next Quarter (2026-03-31): EPS=1.75 | Chg30d=-0.005 | Revisions Net=+2 | Analysts=2
EPS next Year (2026-12-31): EPS=7.29 | Chg30d=+0.055 | Revisions Net=+2 | Growth EPS=+18.2% | Growth Revenue=+3.1%