TMP
Tompkins Financial Corporation
Banks - Regional
Market Cap$1.24B
5Y Perf.+33.4%
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Stock Comparison
TMP vs CNOB
Revenue, margins, valuation, and 5-year total return — side by side.
CNOB
ConnectOne Bancorp, Inc.
Banks - Regional
Market Cap$1.52B
5Y Perf.+105.7%
TMP vs CNOB — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | TMP | CNOB |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $1.24B | $1.52B |
| Revenue (TTM) | $579M | $606M |
| Net Income (TTM) | $161M | $80M |
| Gross Margin | 75.1% | 44.2% |
| Operating Margin | 38.8% | 18.6% |
| Forward P/E | 11.4x | 9.3x |
| Total Debt | $660M | $1.17B |
| Cash & Equiv. | $133M | $92M |
TMP vs CNOB — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
TMP
CNOB
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Tompkins Financial … (TMP) | 100 | 133.4 | +33.4% |
| ConnectOne Bancorp,… (CNOB) | 100 | 205.7 | +105.7% |
Price return only. Dividends and distributions are not included.
Quick Verdict: TMP vs CNOB
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: TMP leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and capital preservation and lower volatility. ConnectOne Bancorp, Inc. is the stronger pick specifically for valuation and capital efficiency and profitability and margin quality. As sector peers, any of these can serve as alternatives in the same allocation.
TMP
Tompkins Financial Corporation
The Banking Pick
TMP carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 16 yrs, beta 1.00, yield 2.9%
- Rev growth 34.1%, EPS growth 126.2%
- Lower volatility, beta 1.00, Low D/E 70.3%, current ratio 0.15x
Best for: income & stability and growth exposure
CNOB
ConnectOne Bancorp, Inc.
The Banking Pick
CNOB is the clearest fit if your priority is long-term compounding.
- 111.5% 10Y total return vs TMP's 66.4%
- Lower P/E (9.3x vs 11.4x)
- Efficiency ratio 0.3% vs TMP's 0.4% (lower = leaner)
Best for: long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | TMP | 34.1% NII/revenue growth vs CNOB's 13.4% |
| Value | CNOB | Lower P/E (9.3x vs 11.4x) |
| Quality / Margins | CNOB | Efficiency ratio 0.3% vs TMP's 0.4% (lower = leaner) |
| Stability / Safety | TMP | Beta 1.00 vs CNOB's 1.10, lower leverage |
| Dividends | TMP | 2.9% yield, 16-year raise streak, vs CNOB's 2.1% |
| Momentum (1Y) | TMP | +44.0% vs CNOB's +33.1% |
| Efficiency (ROA) | CNOB | Efficiency ratio 0.3% vs TMP's 0.4% |
TMP vs CNOB — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
Segment breakdown not available.
TMP vs CNOB — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLTMPLAGGINGCNOB
CNOBConnectOne Bancorp, I…
0leads
TMPTompkins Financial Co…
4leads
6 Total Categories
CATEGORYLEADERvs CNOBMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
TMP4/5
Valuation MetricsMultiples, price ratios, and targets
Tied
—
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
TMP9/9
Total Returns1Y, 3Y, 5Y total returns with dividends
Tied
—
Risk & VolatilityBeta, volatility, and downside exposure
TMP2/2
Analyst OutlookRatings, price targets, and dividends
TMP2/2
Income & Cash Flow (Last 12 Months)
TMP leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
CNOB and TMP operate at a comparable scale, with $606M and $579M in trailing revenue. TMP is the more profitable business, keeping 27.8% of every revenue dollar as net income compared to CNOB's 13.3%.
| Metric | TMPTompkins Financia… | CNOBConnectOne Bancor… |
|---|---|---|
| RevenueTrailing 12 months | $579M | $606M |
| EBITDAEarnings before interest/tax | $227M | $122M |
| Net IncomeAfter-tax profit | $161M | $80M |
| Free Cash FlowCash after capex | $32M | $102M |
| Gross MarginGross profit ÷ Revenue | +75.1% | +44.2% |
| Operating MarginEBIT ÷ Revenue | +38.8% | +18.6% |
| Net MarginNet income ÷ Revenue | +27.8% | +13.3% |
| FCF MarginFCF ÷ Revenue | +5.5% | +16.7% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +3.9% | +53.1% |
TMP leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
Evenly matched — TMP and CNOB each lead in 3 of 6 comparable metrics.
Valuation Metrics
At 7.6x trailing earnings, TMP trades at a 63% valuation discount to CNOB's 20.4x P/E. On an enterprise value basis, TMP's 7.8x EV/EBITDA is more attractive than CNOB's 23.0x.
| Metric | TMPTompkins Financia… | CNOBConnectOne Bancor… |
|---|---|---|
| Market CapShares × price | $1.2B | $1.5B |
| Enterprise ValueMkt cap + debt − cash | $1.8B | $2.6B |
| Trailing P/EPrice ÷ TTM EPS | 7.64x | 20.38x |
| Forward P/EPrice ÷ next-FY EPS est. | 11.40x | 9.34x |
| PEG RatioP/E ÷ EPS growth rate | 0.46x | — |
| EV / EBITDAEnterprise value multiple | 7.85x | 23.01x |
| Price / SalesMarket cap ÷ Revenue | 2.14x | 2.50x |
| Price / BookPrice ÷ Book value/share | 1.31x | 0.97x |
| Price / FCFMarket cap ÷ FCF | 38.72x | 15.02x |
Evenly matched — TMP and CNOB each lead in 3 of 6 comparable metrics.
Profitability & Efficiency
TMP leads this category, winning 9 of 9 comparable metrics.
Profitability & Efficiency
TMP delivers a 19.9% return on equity — every $100 of shareholder capital generates $20 in annual profit, vs $5 for CNOB. TMP carries lower financial leverage with a 0.70x debt-to-equity ratio, signaling a more conservative balance sheet compared to CNOB's 0.74x. On the Piotroski fundamental quality scale (0–9), TMP scores 6/9 vs CNOB's 4/9, reflecting solid financial health.
| Metric | TMPTompkins Financia… | CNOBConnectOne Bancor… |
|---|---|---|
| ROE (TTM)Return on equity | +19.9% | +5.5% |
| ROA (TTM)Return on assets | +1.9% | +0.6% |
| ROICReturn on invested capital | +10.9% | +3.5% |
| ROCEReturn on capital employed | +17.3% | +1.5% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 4 |
| Debt / EquityFinancial leverage | 0.70x | 0.74x |
| Net DebtTotal debt minus cash | $527M | $1.1B |
| Cash & Equiv.Liquid assets | $133M | $92M |
| Total DebtShort + long-term debt | $660M | $1.2B |
| Interest CoverageEBIT ÷ Interest expense | 1.70x | 0.39x |
TMP leads this category, winning 9 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
Evenly matched — TMP and CNOB each lead in 3 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in TMP five years ago would be worth $12,139 today (with dividends reinvested), compared to $11,900 for CNOB. Over the past 12 months, TMP leads with a +44.0% total return vs CNOB's +33.1%. The 3-year compound annual growth rate (CAGR) favors CNOB at 31.3% vs TMP's 20.7% — a key indicator of consistent wealth creation.
| Metric | TMPTompkins Financia… | CNOBConnectOne Bancor… |
|---|---|---|
| YTD ReturnYear-to-date | +19.3% | +16.2% |
| 1-Year ReturnPast 12 months | +44.0% | +33.1% |
| 3-Year ReturnCumulative with dividends | +75.8% | +126.2% |
| 5-Year ReturnCumulative with dividends | +21.4% | +19.0% |
| 10-Year ReturnCumulative with dividends | +66.4% | +111.5% |
| CAGR (3Y)Annualised 3-year return | +20.7% | +31.3% |
Evenly matched — TMP and CNOB each lead in 3 of 6 comparable metrics.
Risk & Volatility
TMP leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
TMP is the less volatile stock with a 1.00 beta — it tends to amplify market swings less than CNOB's 1.10 beta. A beta below 1.0 means the stock typically moves less than the S&P 500.
| Metric | TMPTompkins Financia… | CNOBConnectOne Bancor… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.00x | 1.10x |
| 52-Week HighHighest price in past year | $86.95 | $30.65 |
| 52-Week LowLowest price in past year | $59.67 | $21.79 |
| % of 52W HighCurrent price vs 52-week peak | +98.7% | +98.4% |
| RSI (14)Momentum oscillator 0–100 | 57.2 | 66.1 |
| Avg Volume (50D)Average daily shares traded | 61K | 352K |
TMP leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
TMP leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Wall Street rates TMP as "Hold" and CNOB as "Buy". Consensus price targets imply 12.7% upside for CNOB (target: $34) vs -13.8% for TMP (target: $74). For income investors, TMP offers the higher dividend yield at 2.93% vs CNOB's 2.10%.
| Metric | TMPTompkins Financia… | CNOBConnectOne Bancor… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Buy |
| Price TargetConsensus 12-month target | $74.00 | $34.00 |
| # AnalystsCovering analysts | 4 | 11 |
| Dividend YieldAnnual dividend ÷ price | +2.9% | +2.1% |
| Dividend StreakConsecutive years of raises | 16 | 0 |
| Dividend / ShareAnnual DPS | $2.52 | $0.63 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.2% | +0.1% |
TMP leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
TMP leads in 4 of 6 categories — strongest in Income & Cash Flow and Profitability & Efficiency. 2 categories are tied.
Best OverallTompkins Financial Corporat… (TMP)Leads 4 of 6 categories
Loading custom metrics...
TMP vs CNOB: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is TMP or CNOB a better buy right now?
For growth investors, Tompkins Financial Corporation (TMP) is the stronger pick with 34.
1% revenue growth year-over-year, versus 13. 4% for ConnectOne Bancorp, Inc. (CNOB). Tompkins Financial Corporation (TMP) offers the better valuation at 7. 6x trailing P/E (11. 4x forward), making it the more compelling value choice. Analysts rate ConnectOne Bancorp, Inc. (CNOB) a "Buy" — based on 11 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — TMP or CNOB?
On trailing P/E, Tompkins Financial Corporation (TMP) is the cheapest at 7.
6x versus ConnectOne Bancorp, Inc. at 20. 4x. On forward P/E, ConnectOne Bancorp, Inc. is actually cheaper at 9. 3x — notably different from the trailing picture, reflecting expected earnings growth.
03Which is the better long-term investment — TMP or CNOB?
Over the past 5 years, Tompkins Financial Corporation (TMP) delivered a total return of +21.
4%, compared to +19. 0% for ConnectOne Bancorp, Inc. (CNOB). Over 10 years, the gap is even starker: CNOB returned +111. 5% versus TMP's +66. 4%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — TMP or CNOB?
By beta (market sensitivity over 5 years), Tompkins Financial Corporation (TMP) is the lower-risk stock at 1.
00β versus ConnectOne Bancorp, Inc. 's 1. 10β — meaning CNOB is approximately 11% more volatile than TMP relative to the S&P 500. On balance sheet safety, Tompkins Financial Corporation (TMP) carries a lower debt/equity ratio of 70% versus 74% for ConnectOne Bancorp, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — TMP or CNOB?
By revenue growth (latest reported year), Tompkins Financial Corporation (TMP) is pulling ahead at 34.
1% versus 13. 4% for ConnectOne Bancorp, Inc. (CNOB). On earnings-per-share growth, the picture is similar: Tompkins Financial Corporation grew EPS 126. 2% year-over-year, compared to -15. 9% for ConnectOne Bancorp, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — TMP or CNOB?
Tompkins Financial Corporation (TMP) is the more profitable company, earning 27.
8% net margin versus 13. 3% for ConnectOne Bancorp, Inc. — meaning it keeps 27. 8% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: TMP leads at 38. 8% versus 18. 6% for CNOB. At the gross margin level — before operating expenses — TMP leads at 75. 1%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is TMP or CNOB more undervalued right now?
On forward earnings alone, ConnectOne Bancorp, Inc.
(CNOB) trades at 9. 3x forward P/E versus 11. 4x for Tompkins Financial Corporation — 2. 1x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for CNOB: 12. 7% to $34. 00.
08Which pays a better dividend — TMP or CNOB?
All stocks in this comparison pay dividends.
Tompkins Financial Corporation (TMP) offers the highest yield at 2. 9%, versus 2. 1% for ConnectOne Bancorp, Inc. (CNOB).
09Is TMP or CNOB better for a retirement portfolio?
For long-horizon retirement investors, Tompkins Financial Corporation (TMP) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 1.
00), 2. 9% yield). Both have compounded well over 10 years (TMP: +66. 4%, CNOB: +111. 5%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between TMP and CNOB?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: TMP is a small-cap high-growth stock; CNOB is a small-cap quality compounder stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(TMP: 34.1% · CNOB: 13.4%)Net Margin>
%
(TMP: 27.8% · CNOB: 13.3%)P/E Ratio<
x
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