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TMPTompkins Financial Corporation
$100.02$1.4B
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Discovery & Screens
Live BreakoutsStock ScreenerOwnership
TMP logo

Tompkins Financial Corporation

TMP
AMEX · Regional Banks
$100.02
At close - Nov 6, 4:00 PM EDT - USD
Market Cap$1.44B
P/E8.9x
52W High$105.00
Volume135.12K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q2

Fee Income Spike Masks NII Volatility

Tompkins Financial's recent quarter shows a dramatic surge in non-interest income to $129.3M, representing 486% of total revenue, which appears to be a one-time event that may not recur. Core net interest income remains volatile, with NII swinging from $71.9M ...

GrowthAccelerating
ProfitabilityStrong
ValuationAttractive
TechnicalsStrong
Explore valuation models
MARKET ACTION

TMP price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

10/12 Beats

EPS beat 10 of last 12 quarters

02

Valuation risk

-48% Peers

P/E is 48% below peer median

03

Market leadership

RS 78 · Avg

Average momentum (RS Rating: 78)

04

Strong Uptrend

Strong Trend

Price > 20DMA > 50DMA > 200DMA

Next CatalystEstimated earnings · Jan 23

Market performance

Price History →

Trailing total returns as of 11/6/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
TMP+41.77%
S&P 500 (^GSPC)+7.29%
1-Year Return
TMP+54.70%
S&P 500 (^GSPC)+9.35%
3-Year Return
TMP+102.71%
S&P 500 (^GSPC)+65.23%
5-Year Return
TMP+32.34%
S&P 500 (^GSPC)+50.26%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y Low
8.9x
Forward P/E
12.8x
EV/EBITDA20th %ile
8.4x
FCF YieldCash Flow
2.2%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
8.9x
13.6x
20th· Low
EV/EBITDA
8.4x
11.4x
20th· Low
Price/FCF
45.0x
10.9x
100th· High
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
Bear$80.94-19.1%
Base (Fair)$142.15+42.8%
Bull$218.92+118.9%
$80.94 Bear$142.15 Base$218.92 Bull
Current Market Price: $100.02
Trades at a 29.6% discount to Base DCF ($142.15)
Open DCF & Valuation Models →Chart Terminal ↗

Growth & profitability

Annual revenue & EPS trend
Revenue
$447M+51.3% YoY
Net income
$161M+127.3% YoY
Free cash flow
$32M-64.0% YoY
Operating margin
50.3%+18.8 pts YoY
ROIC (TTM)10.9%
Avg ROIC 5Y-
ROE (TTM)19.5%
Piotroski Score5 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate10/12 (83%)
Revenue Beat Rate7/12 (58%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q4 2026Latest
Oct 23, 2026
$2.00+2.6%
vs $1.95
$90M+0.2%
vs $90M
Q3 2026
Jul 24, 2026
$2.04+12.1%
vs $1.82
$87M+0.2%
vs $87M
Q2 2026
Apr 24, 2026
$1.82+6.4%
vs $1.71
$84M+0.1%
vs $84M
Q1 2026
Jan 30, 2026
$6.70+280.7%
vs $1.76
$195M+43.1%
vs $136M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

5 Stories
Zacks Investment Research·Oct 23, 2026
Tompkins Financial (TMP) Tops Q3 Earnings Estimates

Tompkins Financial (TMP) came out with quarterly earnings of $2 per share, beating the Zacks Consensus Estimate of $1.91 per share. This compares to earnings of $1.65 per share a year ago.

Business Wire·Oct 23, 2026
Tompkins Financial Corporation Reports Increased Cash Dividend

ITHACA, N.Y.--(BUSINESS WIRE)--Tompkins Financial Corporation (NYSE American: TMP) Tompkins Financial Corporation announced today that its Board of Directors approved payment of a regular quarterly cash dividend of $0.74 per share, payable on November 13, 2026, to common shareholders of record on November 6, 2026. The dividend amount represents an increase of $0.04 per share, or 5.7% over the dividend paid in the third quarter of 2025. ABOUT TOMPKINS FINANCIAL CORPORATION Tompkins Financial Cor.

Business Wire·Oct 23, 2026
Tompkins Financial Corporation Reports Financial Results for Third Quarter of 2026

ITHACA, N.Y.--(BUSINESS WIRE)--Tompkins Financial Corporation (NYSE American: TMP) Tompkins Financial Corporation ("Tompkins" or the "Company") reported diluted earnings per share of $2.00 for the third quarter of 2026, up $0.35 or 21.2%, from the third quarter of 2025 and down $0.04 per share or 2.0%, from the second quarter of 2026. Net income for the third quarter of 2026 was $28.7 million, an increase of $5.0 million, or 21.0%, from the third quarter of 2025 and down $650,000, or 2.2%, from.

Zacks Investment Research·Oct 13, 2026
Why Tompkins Financial (TMP) is a Top Dividend Stock for Your Portfolio

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Tompkins (TMP) have what it takes?

Filtered for Tompkins Financial CorporationMore Headlines
04

Compare before deciding

Benchmark TMP against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for Tompkins Financial Corporation (TMP)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
TMP logoTMPTompkins Financial CorporationCurrent
$100.02$1.44B8.9051.3%36.07%19.5%2.52%
CZWI logoCZWICitizens Community Bancorp, Inc.
$23.74$228.95M16.26-9.39%28.36%7.64%—
NBTB logoNBTBNBT Bancorp Inc.
$52.97$2.75B15.9114.54%22.65%11.26%—
CNOB logoCNOBConnectOne Bancorp, Inc.
$32.46$1.63B21.9319.23%55.02%9.42%—
TRST logoTRSTTrustCo Bank Corp NY
$56.54$962.76M17.409.38%26.95%9.62%—
FISI logoFISIFinancial Institutions, Inc.
$39.51$777.81M10.94113.87%26.18%13.09%—

Compare TMP vs Peers

Tompkins Financial Corporation (TMP) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs CZWI

Most directly comparable listed peer for TMP.

Scale Benchmark

vs ICE

Larger-name benchmark to compare TMP against a more recognizable public peer.

Peer Set

Compare Top 5

vs CZWI, NBTB, CNOB, TRST

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

TMP SEC Filings & Documents

Tompkins Financial Corporation (TMP) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Oct 23, 2026·SEC

Material company update

Jul 28, 2026·SEC

Material company update

Jul 24, 2026·SEC

10-K Annual Reports

2
FY 2026

Feb 26, 2026·SEC

FY 2025

Feb 28, 2025·SEC

10-Q Quarterly Reports

6
FY 2026

Oct 30, 2026·SEC

FY 2026

Jul 31, 2026·SEC

FY 2026

May 5, 2026·SEC

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TMP Frequently Asked Questions

Tompkins Financial Corporation (TMP) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Tompkins Financial Corporation growing?

Tompkins Financial Corporation (TMP) grew revenue by 51.3% over the past year. This is strong growth.

Is TMP profitable?

Yes, Tompkins Financial Corporation (TMP) is profitable, generating $180.3M in net income for fiscal year 2025 (36.1% net margin).

Dividend & Returns
Does TMP pay dividends?

Yes, Tompkins Financial Corporation (TMP) pays a dividend with a yield of 2.52%. This makes it attractive for income-focused investors.

What is TMP's return on equity?

Tompkins Financial Corporation (TMP) has a return on equity (ROE) of 19.5%. This is reasonable for most industries.

Industry Metrics
What is Tompkins Financial Corporation's net interest margin?

Tompkins Financial Corporation (TMP) has a net interest margin (NIM) of 2.9%. NIM has been under pressure due to interest rate environment.

What is Tompkins Financial Corporation's efficiency ratio?

Tompkins Financial Corporation (TMP) has an efficiency ratio of 47.1%. This is excellent, indicating strong cost control.

What if you invested $1,000 in TMP back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →