Tompkins Financial (TMP) Stock Price, News & Analysis

Company Overview

Tompkins Financial (NYSEAMERICAN:TMP) is a bank holding company headquartered in Ithaca, New York, that provides a diversified range of financial services. Through its principal banking subsidiary, Tompkins Trust Company, the firm offers commercial and consumer banking products including checking and savings accounts, mortgage loans, and credit facilities. Beyond traditional banking, Tompkins Financial delivers asset management, trust and estate planning, retirement services and investment advisory solutions.

In addition to its core banking operations, Tompkins Financial operates Tompkins Insurance Agencies, which offers property and casualty, life and health insurance coverages to individuals and businesses. The company also provides specialized treasury management services, merchant card processing and commercial real estate lending. Its wealth management division assists high-net-worth clients with portfolio construction, trust administration and tax-advantaged planning strategies.

Tompkins Financial maintains a regional footprint serving upstate New York, northern Pennsylvania and parts of Florida. Its network comprises full-service branches, relationship offices and specialized lending centers designed to support local communities and businesses. The company emphasizes relationship banking, aiming to tailor financial solutions to the unique needs of small and mid-sized enterprises as well as individual customers.

Founded in the early 19th century, Tompkins Financial traces its origins to a community bank established in 1836. Over time, it has grown through strategic acquisitions and organic expansion while preserving a commitment to community involvement and customer service. The company’s executive leadership team is led by President and Chief Executive Officer Kevin J. Davies, supported by experienced professionals in finance, risk management and operations.

Key Stats

• Today's Range: $69.42 to $70.62
• 50-Day Range: $62.34 to $70.92
• 52-Week Range: $53.95 to $79.01
• Volume: 32,789 shs
• Average Volume: 39,027 shs
• Market Capitalization: $1.01 billion
• P/E Ratio: 12.62
• Dividend Yield: 3.55%
• Price Target: $69.00
• Consensus Rating: Moderate Buy

Tompkins Financial Stock Analysis - MarketRank™

Tompkins Financial scored higher than 69% 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 received no research coverage in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 11.72%

Earnings Growth

Earnings for Tompkins Financial are expected to grow by 11.72% in the coming year, from $5.46 to $6.10 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Tompkins Financial is 12.62, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 269.50.

Price to Earnings Ratio vs. Sector

The P/E ratio of Tompkins Financial is 12.62, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 228.93.

Price to Book Value per Share Ratio

Tompkins Financial has a P/B Ratio of 1.33. 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

0.83% 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 2.2, 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 4.74%, indicating that investor sentiment is decreasing.

Dividend

• Score: 5.0 / 5
• Dividend Strength: Strong

Dividend Leadership

Tompkins Financial is a leading dividend payer. It pays a dividend yield of 3.54%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

Tompkins Financial has been increasing its dividend for 38 years.

Dividend Coverage

The dividend payout ratio of Tompkins Financial is 50.10%. 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 40.66% 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

0.83% 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 2.2, 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 4.74%, indicating that investor sentiment is decreasing.

News and Social Media

• Score: 3.0 / 5
• News Sentiment: 1.32

News Sentiment

Tompkins Financial has a news sentiment score of 1.32. 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 0.95 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.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Tompkins Financial insiders have not sold or bought any 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 have TMP shares performed this year?

Tompkins Financial's stock was trading at $62.44 at the start of the year. Since then, TMP stock has increased by 12.0% and is now trading at $69.94.

How were Tompkins Financial's earnings last quarter?

Tompkins Financial Corporation (NYSEAMERICAN:TMP) issued its earnings results on Friday, October, 25th. The financial services provider reported $1.30 earnings per share (EPS) for the quarter, topping the consensus estimate of $1.21 by $0.09. The financial services provider earned $112.51 million during the quarter. Tompkins Financial had a net margin of 17.50% and a trailing twelve-month return on equity of 10.82%.

Who are Tompkins Financial's major shareholders?

Top institutional investors of Tompkins Financial include State Street Corp (8.58%), Tompkins Financial Corp (7.94%), Geode Capital Management LLC (2.15%) and American Century Companies Inc. (1.00%). Insiders that own company stock include 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
• Record date for 8/15 Dividend: 8/08/2025
• Ex-Dividend for 8/15 Dividend: 8/08/2025
• Dividend Payable: 8/15/2025
• Today: 9/04/2025
• Next Earnings (Estimated): 10/24/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NYSEAMERICAN
• Sector: Finance
• Industry: BANKS - NORTHEAST
• Sub-Industry: Regional Banks
• Current Symbol: NYSEAMERICAN:TMP
• Previous Symbol: AMEX:TMP
• CIK: 1005817
• Web: www.tompkinsfinancial.com
• Phone: (888) 503-5753
• Fax: 607-273-0024
• Employees: 1,011
• Year Founded: N/A

Price Target and Rating

• Average Price Target for Tompkins Financial: $69.00
• High Price Target: $70.00
• Low Price Target: $68.00
• Potential Upside/Downside: -1.3%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): $4.95
• Trailing P/E Ratio: 12.62
• Forward P/E Ratio: 12.81
• P/E Growth: N/A
• Net Income: $70.85 million
• Net Margins: 17.50%
• Pretax Margin: 22.97%
• Return on Equity: 10.82%
• Return on Assets: 0.97%

Debt

• Debt-to-Equity Ratio: 0.88
• Current Ratio: 0.95
• Quick Ratio: 0.95

Sales & Book Value

• Annual Sales: $435.70 million
• Price / Sales: 2.32
• Cash Flow: $5.56 per share
• Price / Cash Flow: 12.59
• Book Value: $52.78 per share
• Price / Book: 1.33

Miscellaneous

• Outstanding Shares: 14,430,000
• Free Float: 13,784,000
• Market Cap: $1.01 billion
• Optionable: Not Optionable
• Beta: 0.94