TMP Stock Analysis: Tompkins Financial | NYSE MKT
Banks - Regional | NYSE MKT, USA | Market Cap: 1.422m USD | 12M Return: 52.6% | US8901101092 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 10.9M
EPS Trend: 96.7%
Qual. Beats: 1
Rev. Trend: 93.8%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Tompkins Financial Corporation (TMP) is a financial holding company headquartered in Ithaca, New York, that delivers commercial and consumer banking, leasing, trust and investment management, financial planning, wealth management, and insurance services. Founded in 1836 and listed on the NYSE MKT since 1990, it operates through two segments: Banking and Wealth Management.
The Banking segment accepts a full suite of deposit products, including checking, savings, time deposits, and IRAs, while originating a diverse loan portfolio spanning commercial real estate, construction, equipment financing, accounts receivable financing, commercial leasing, residential mortgages, home equity, agricultural, and consumer loans such as auto and personal installment lending. Complementary offerings include letters of credit, sweep accounts, credit and debit cards, cash management, remote deposit, ATM, and mobile/internet banking services.
The Wealth Management segment provides trust and estate administration, financial and tax planning, property and casualty, life, disability, and long-term care insurance, employee benefit consulting, and insurance planning. Its clients primarily include individuals, corporate executives, small business owners, and high net worth individuals.
As a U.S. regional bank operating within the Financials sector, TMP competes with community and mid-sized commercial banks that emphasize relationship-driven lending and local deposit gathering, a model increasingly supplemented by digital banking channels to retain retail and small-business customers.
- Net interest margin compresses as Fed cuts rates pressure asset yields
- Commercial real estate loan portfolio faces regional credit quality concerns
- Wealth Management fees grow as AUM expands with market gains
| Net Income: 175.3m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.49 > 1.0 |
| NWC/Revenue: -1.57k% < 20% (prev -1.21k%; Δ -359.6% < -1%) |
| CFO/TA 0.01 > 3% & CFO 56.0m > Net Income 175.3m |
| Net Debt (656.4m) to EBITDA (174.7m): 3.76 < 3 |
| Current Ratio: 0.01 > 1.5 & < 3 |
| Outstanding Shares: last quarter (14.3m) vs 12m ago 0.05% < -2% |
| Gross Margin: 72.60% > 18% (prev 67.34%; Δ 5.26% > 0.5%) |
| Asset Turnover: 5.70% > 50% (prev 5.40%; Δ 0.30% > 0%) |
| Interest Coverage Ratio: 1.33 > 6 (EBIT TTM 170.8m / Interest Expense TTM 128.8m) |
| A: -0.87 (Total Current Assets 71.7m - Total Current Liabilities 7.76b) / Total Assets 8.80b |
| B: 0.08 (Retained Earnings 698.2m / Total Assets 8.80b) |
| C: 0.02 (EBIT TTM 170.8m / Avg Total Assets 8.59b) |
| D: 0.12 (Book Value of Equity 959.9m / Total Liabilities 7.84b) |
| Altman-Z'' = -5.21 = D |
As of October 06, 2026, the stock is trading at USD 97.93 with a total of 88,148 shares traded. Over the past week, the price has changed by +0.23%, over one month by -0.50%, over three months by +4.21% and over the past year by +52.59%.
Current recommended Stop Loss: 94.10 (which is 3.9% or 1.6 ATR below the current price).
Tompkins Financial has received a consensus analysts rating of 3.50. Therefore, it is recommended to hold TMP.
- StrongBuy: 0
- Buy: 1
- Hold: 1
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 104.5 | 6.7% |
P/E Trailing = 7.9302
P/E Forward = 12.8535
P/S = 3.1847
P/B = 1.4487
P/EG = 1.6064
Revenue TTM = 489.4m USD
EBIT TTM = 170.8m USD
EBITDA TTM = 174.7m USD
Long Term Debt = 546.4m USD (from longTermDebt, last quarter)
Short Term Debt = 728.1m USD (from shortTermDebt, last quarter)
Debt = 728.1m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 656.4m USD (calculated: Debt 728.1m - CCE 71.7m)
Enterprise Value = 2.08b USD (1.42b + Debt 728.1m - CCE 71.7m)
Interest Coverage Ratio = 1.33 (Ebit TTM 170.8m / Interest Expense TTM 128.8m)
EV/FCF = 40.24x (Enterprise Value 2.08b / FCF TTM 51.7m)
FCF Yield = 2.48% (FCF TTM 51.7m / Enterprise Value 2.08b)
FCF Margin = 10.55% (FCF TTM 51.7m / Revenue TTM 489.4m)
Net Margin = 35.82% (Net Income TTM 175.3m / Revenue TTM 489.4m)
Gross Margin = 72.60% ((Revenue TTM 489.4m - Cost of Revenue TTM 134.1m) / Revenue TTM)
Gross Margin QoQ = -21.48% (prev 71.78%)
Tobins Q-Ratio = 0.24 (Enterprise Value 2.08b / Total Assets 8.80b)
Interest Expense / Debt = 17.69% (Interest Expense 128.8m / Debt 728.1m)
Taxrate = 28.11% (68.5m / 243.8m)
NOPAT = 122.8m (EBIT 170.8m * (1 - 28.11%))
Current Ratio = 0.01 (Total Current Assets 71.7m / Total Current Liabilities 7.76b)
Debt / Equity = 0.76 (Debt 728.1m / totalStockholderEquity, last quarter 959.9m)
Debt / EBITDA = 3.76 (Net Debt 656.4m / EBITDA 174.7m)
Debt / FCF = 12.71 (Net Debt 656.4m / FCF TTM 51.7m)
Total Stockholder Equity = 908.5m (last 4 quarters mean from totalStockholderEquity)
RoA = 2.04% (Net Income 175.3m / Total Assets 8.80b)
RoE = 19.30% (Net Income TTM 175.3m / Total Stockholder Equity 908.5m)
RoCE = 11.74% (EBIT 170.8m / Capital Employed (Equity 908.5m + L.T.Debt 546.4m))
RoIC = 7.03% (NOPAT 122.8m / Invested Capital 1.75b)
WACC = 9.72% (E(1.42b)/V(2.15b) * Re(8.19%) + D(728.1m)/V(2.15b) * Rd(17.69%) * (1-Tc(0.28)))
Discount Rate = 8.19% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 83.94 | Cagr: 0.27%
[DCF] Terminal Value 68.14% ; FCFF base≈66.9m ; Y1≈58.7m ; Y5≈47.4m
[DCF] Fair Price = N/A (negative equity: EV 621.2m - Net Debt 656.4m = -35.2m; debt exceeds intrinsic value)
EPS Correlation: 96.74 | EPS CAGR: 25.49% | SUE: 2.85 | # QB: 1
Revenue Correlation: 93.77 | Revenue CAGR: 27.62% | SUE: -0.79 | # QB: 0
EPS current Quarter (2026-09-30): EPS=1.95 | Chg30d=+2.36% | Revisions=+0% | Analysts=2
EPS current Year (2026-12-31): EPS=7.82 | Chg30d=+3.85% | Revisions=+40% | GrowthEPS=+23.8% | GrowthRev=-21.3%
EPS next Year (2027-12-31): EPS=8.32 | Chg30d=+2.09% | Revisions=+40% | GrowthEPS=+6.5% | GrowthRev=+8.0%
[Analyst] Revisions Ratio: +44% (up=5, down=1)