Tompkins Financial (TMP) Stock Price, News & Analysis

Company Overview

Tompkins Financial Corporation, a financial holding company, provides commercial and consumer banking, leasing, trust and investment management, financial planning and wealth management, and insurance services. The company operates through three segments: Banking, Insurance, and Wealth Management. It accepts various deposit products, including checking and savings accounts, time deposits, and IRA products, as well as brokered, reciprocal, and municipal money market deposits. The company also offers loans for various business purposes, including real estate financing, construction, equipment financing, accounts receivable financing, and commercial leasing; residential mortgage loans; personal loans; residential real estate loans; home equity loans; commercial and industrial loans; commercial real estate loans; agriculture loans; and consumer loans, such as direct and indirect personal installment loans, automobile financing, and overdraft lines of credit. In addition, it provides letters of credit and sweep accounts; credit and debit cards; deposit and cash management, internet-based account, remote deposit, safe deposit, voice response, ATM, and mobile and internet banking services; financial and tax planning services; property and casualty, life, and long-term care and disability insurance services; employee benefit consulting services; and insurance planning services. The company primarily serves individuals, corporate executives, small business owners, and high net worth individuals. It operates through a network of banking offices in New York and Pennsylvania. Tompkins Financial Corporation was founded in 1836 and is headquartered in Ithaca, New York.

Key Stats

• Today's Range: $67.01 to $70.22
• 50-Day Range: N/A
• 52-Week Range: $43.09 to $79.01
• Volume: 93,656 shs
• Average Volume: 41,177 shs
• Market Capitalization: $1.01 billion
• P/E Ratio: 15.13
• Dividend Yield: 3.54%
• Price Target: $69.00
• Consensus Rating: Moderate Buy

Tompkins Financial Stock Analysis - MarketRank™

Tompkins Financial scored higher than 79% of companies evaluated by MarketBeat. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.3 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Tompkins Financial has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on 1 buy rating, 1 hold rating, and no sell ratings.

Amount of Analyst Coverage

Tompkins Financial has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 9.98%

Earnings Growth

Earnings for Tompkins Financial are expected to grow by 9.98% in the coming year, from $4.81 to $5.29 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Tompkins Financial is 14.54, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 102.96.

Price to Earnings Ratio vs. Sector

The P/E ratio of Tompkins Financial is 14.54, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.21.

Price to Book Value per Share Ratio

Tompkins Financial has a P/B Ratio of 1.50. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.57% of the float of Tompkins Financial has been sold short.

Short Interest Ratio / Days to Cover

Tompkins Financial has a short interest ratio ("days to cover") of 1.3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Tompkins Financial has recently increased by 7.69%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 5.0 / 5
• Dividend Strength: Strong

Dividend Leadership

Tompkins Financial is a leading dividend payer. It pays a dividend yield of 3.68%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

Tompkins Financial has been increasing its dividend for 14 years.

Dividend Coverage

The dividend payout ratio of Tompkins Financial is 53.56%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Tompkins Financial will have a dividend payout ratio of 46.88% next year. This indicates that Tompkins Financial will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.57% of the float of Tompkins Financial has been sold short.

Short Interest Ratio / Days to Cover

Tompkins Financial has a short interest ratio ("days to cover") of 1.3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Tompkins Financial has recently increased by 7.69%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 3.4 / 5
• News Sentiment: 1.11

News Sentiment

Tompkins Financial has a news sentiment score of 1.11. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.65 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 6 news articles for Tompkins Financial this week, compared to 1 article on an average week.

MarketBeat Follows

2 people have added Tompkins Financial to their MarketBeat watchlist in the last 30 days. This is an increase of 100% compared to the previous 30 days.

Company Ownership

• Score: 3.3 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In the past three months, Tompkins Financial insiders have bought more of their company's stock than they have sold. Specifically, they have bought $19,182.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

Only 4.50% of the stock of Tompkins Financial is held by insiders.

Percentage Held by Institutions

69.11% of the stock of Tompkins Financial is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

TMP Stock Analysis - Frequently Asked Questions

How were Tompkins Financial's earnings last quarter?

Tompkins Financial Co. (NYSEAMERICAN:TMP) announced its earnings results on Friday, October, 25th. The financial services provider reported $1.30 EPS for the quarter, topping the consensus estimate of $1.21 by $0.09. The financial services provider had revenue of $112.51 million for the quarter. Tompkins Financial had a net margin of 15.59% and a trailing twelve-month return on equity of 9.68%.

Who are Tompkins Financial's major shareholders?

Tompkins Financial's top institutional investors include Tompkins Financial Corp (7.93%), Cornell Pochily Investment Advisors Inc. (0.85%), Principal Financial Group Inc. (0.42%) and Wealth Enhancement Advisory Services LLC (0.28%). Insiders that own company stock include Francis M Fetsko, Gregory J Hartz, John D Mcclurg, Alfred J Weber, Ita M Rahilly, Janet M Coletti, Stacie M Mastin and Angela B Lee.
View institutional ownership trends.

How do I buy shares of Tompkins Financial?

Shares of TMP stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Tompkins Financial own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Tompkins Financial investors own include NVIDIA (NVDA), Meta Platforms (META), Advanced Micro Devices (AMD), Netflix (NFLX), Tesla (TSLA), JPMorgan Chase & Co. (JPM) and Alphabet (GOOG).

Company Calendar

• Last Earnings: 10/25/2024
• Ex-Dividend for 11/15 Dividend: 11/08/2024
• Dividend Payable: 11/15/2024
• Today: 2/01/2025
• Dividend Payable: 2/21/2025
• Fiscal Year End: 12/31/2025
• Ex-Dividend for 2/21 Dividend: 1/01/2100

Industry, Sector and Symbol

• Stock Exchange: NYSEAMERICAN
• Sector: Finance
• Industry: State commercial banks
• Sub-Industry: Regional Banks
• Current Symbol: NYSEAMERICAN:TMP
• Previous Symbol: AMEX:TMP
• CUSIP: 89011010
• CIK: 1005817
• Web: www.tompkinsfinancial.com
• Phone: (888) 503-5753
• Fax: 607-273-0024
• Employees: 1,032
• Year Founded: N/A

Price Target and Rating

• Average Stock Price Target: $69.00
• High Stock Price Target: $70.00
• Low Stock Price Target: $68.00
• Potential Upside/Downside: -1.5%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 2 Analysts

Profitability

• EPS (Most Recent Fiscal Year): $4.63
• Trailing P/E Ratio: 15.13
• Forward P/E Ratio: 14.57
• P/E Growth: N/A
• Net Income: $9.51 million
• Net Margins: 15.59%
• Pretax Margin: 20.12%
• Return on Equity: 9.68%
• Return on Assets: 0.84%

Debt

• Debt-to-Equity Ratio: 0.75
• Current Ratio: 0.92
• Quick Ratio: 0.92

Sales & Book Value

• Annual Sales: $307.60 million
• Price / Sales: 3.28
• Cash Flow: $1.72 per share
• Price / Cash Flow: 40.80
• Book Value: $46.69 per share
• Price / Book: 1.50

Miscellaneous

• Outstanding Shares: 14,390,000
• Free Float: 13,746,000
• Market Cap: $1.01 billion
• Optionable: Not Optionable
• Beta: 0.74