Tompkins Financial (TMP) Stock Price, News & Analysis

Company Overview

Tompkins Financial Corporation is a financial services holding company headquartered in Ithaca, New York. Through its banking, insurance and wealth-management subsidiaries, the company provides a range of services to individuals, businesses, municipalities and nonprofit organizations.

The company’s banking operations offer deposit accounts, residential and commercial lending, mortgage services, cash-management solutions, online and mobile banking, and other traditional community-banking products. Its insurance business provides personal and commercial property and casualty coverage, employee benefits and related insurance services, while its wealth-management operations offer investment management, financial planning, trust and retirement services.

Tompkins Financial serves communities primarily in upstate and southeastern New York and parts of Pennsylvania through a network of banking offices and service locations. The company’s history extends to 1836, when Tompkins Trust Company was established in Ithaca. Tompkins Financial has grown from those community-banking roots into a diversified regional financial services organization while maintaining a focus on relationship-based banking and local markets.

Key Stats

• Today's Range: $97.60 to $99.28
• 50-Day Range: $95.55 to $101.54
• 52-Week Range: $61.88 to $102.58
• Volume: 88,164 shs
• Average Volume: 82,373 shs
• Market Capitalization: $1.41 billion
• P/E Ratio: 8.02
• Dividend Yield: 2.86%
• Price Target: $104.50
• Consensus Rating: Hold

Tompkins Financial Stock Analysis - MarketRank™

Tompkins Financial scored higher than 76% 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: 2.1 / 5
• Analyst Rating: Hold

Consensus Rating

Tompkins Financial has received a consensus rating of Hold. The company's average rating score is 2.33, and is based on no strong buy ratings, 1 buy rating, 2 hold ratings, and no sell ratings.

Upside/Downside

The consensus price target for Tompkins Financial is close to its current price, suggesting limited near-term upside or downside.

Amount of Analyst Coverage

Tompkins Financial has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 5.81%

Earnings Growth

Earnings for Tompkins Financial are expected to grow by 5.81% in the coming year, from $7.75 to $8.20 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Tompkins Financial is 8.02, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.94.

Price to Earnings Ratio vs. Sector

The P/E ratio of Tompkins Financial is 8.02, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.43.

Price to Book Value per Share Ratio

Tompkins Financial has a P/B Ratio of 1.51. 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

2.37% 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 3.14, 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 10.57%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Yield

Tompkins Financial pays a meaningful dividend of 2.83%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Tompkins Financial has been increasing its dividend for 38 years.

Dividend Coverage

The dividend payout ratio of Tompkins Financial is 56.57%. 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 34.15% next year. This indicates that Tompkins Financial will be able to sustain or increase its dividend.

News and Social Media

• Score: 4.0 / 5
• News Sentiment: N/A

News Sentiment

Tompkins Financial has a news sentiment score of 1.38. 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 0.60 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for Tompkins Financial this week, compared to 0 articles on an average week.

MarketBeat Follows

1 people have added Tompkins Financial to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 0.8 / 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

2.52% 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.

Company Calendar

• Last Earnings: 7/24/2026
• Record date for 8/14 Dividend: 8/07/2026
• Ex-Dividend for 8/14 Dividend: 8/07/2026
• Dividend Payable: 8/14/2026
• Today: 10/05/2026
• Next Earnings (Estimated): 10/23/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NYSEAMERICAN
• Sector: Finance
• Industry: Banks
• 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: 870
• Year Founded: N/A

Price Target and Rating

• Average Price Target for Tompkins Financial: $104.50
• High Price Target: $105.00
• Low Price Target: $104.00
• Potential Upside/Downside: +6.7%
• Consensus Rating: Hold
• Rating Score (0-4): 2.33
• Research Coverage: 3 Analysts

Profitability

• EPS (Trailing Twelve Months): $4.95
• Trailing P/E Ratio: 8.02
• Forward P/E Ratio: 12.64
• P/E Growth: N/A
• Net Income: $161.07 million
• Net Margins: 30.13%
• Pretax Margin: 41.90%
• Return on Equity: 11.52%
• Return on Assets: 1.21%

Debt

• Debt-to-Equity Ratio: 0.57
• Current Ratio: 0.95
• Quick Ratio: 0.95

Sales & Book Value

• Annual Sales: $578.95 million
• Price / Sales: 2.43
• Cash Flow: $6.52 per share
• Price / Cash Flow: 15.02
• Book Value: $65.02 per share
• Price / Book: 1.51

Miscellaneous

• Outstanding Shares: 14,380,000
• Free Float: 14,021,000
• Market Cap: $1.41 billion
• Optionable: Not Optionable
• Beta: 0.76