Tompkins Financial (TMP) Stock Price, News & Analysis

Company Overview

Tompkins Financial Corporation is a diversified financial services holding company headquartered in Ithaca, New York. The company traces its roots to the founding of the Tompkins County Trust Company in Dryden, New York, in 1836, and has grown into a regional platform encompassing banking, wealth management, and insurance operations. As the parent of Tompkins Trust Company and several affiliated entities, Tompkins Financial serves individuals, businesses and municipalities across central and western New York, northeastern Pennsylvania and select markets in Florida.

In its core banking business, Tompkins Financial offers a comprehensive suite of deposit and lending products tailored to consumer, small‐business and commercial clients. Services include checking and savings accounts, digital banking, residential and commercial real estate lending, equipment financing, agricultural loans and treasury management solutions. The company’s community banking approach emphasizes local decision‐making and personalized service, allowing relationship managers to work closely with customers on cash flow planning, credit needs and growth strategies.

Complementing its banking operations, Tompkins Financial provides wealth management and trust services through Tompkins Financial Advisors and Tompkins Trust Company’s trust division. This segment delivers investment advisory, retirement planning, estate and trust administration, and private banking services. Investment professionals work alongside fiduciary experts to design customized portfolios, manage asset allocation and guide clients through complex financial transitions, including intergenerational wealth transfers and charitable giving strategies.

Tompkins Financial also operates Tompkins Insurance Agencies, a full‐service insurance broker offering personal, commercial and employee benefits coverage. The insurance arm provides property and casualty protection, risk management consulting and group health solutions, leveraging strategic partnerships with national carriers. Under the leadership of President and CEO Todd J. Clapper, Tompkins Financial continues to pursue selective expansion and targeted acquisitions, reinforcing its community‐focused philosophy while broadening its geographic footprint and enhancing service offerings.

Key Stats

• Today's Range: $63.65 to $65.49
• 50-Day Range: $59.81 to $67.64
• 52-Week Range: $53.41 to $79.01
• Volume: 65,405 shs
• Average Volume: 53,352 shs
• Market Capitalization: $938.24 million
• P/E Ratio: 12.65
• Dividend Yield: 3.81%
• Price Target: $69.00
• Consensus Rating: Moderate Buy

Tompkins Financial Stock Analysis - MarketRank™

Tompkins Financial scored higher than 62% 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 12.65, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 26.70.

Price to Earnings Ratio vs. Sector

The P/E ratio of Tompkins Financial is 12.65, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.10.

Price to Book Value per Share Ratio

Tompkins Financial has a P/B Ratio of 1.31. 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

1.21% 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 3.2, 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 4.76%, 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 3.71%, 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

1.21% 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 3.2, 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 4.76%, indicating that investor sentiment is decreasing.

News and Social Media

• Score: 1.9 / 5
• News Sentiment: N/A

News Sentiment

Tompkins Financial has a news sentiment score of 0.44. 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 lower news sentiment than the 0.93 average news sentiment score of Finance companies.

News Coverage This Week

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

Search Interest

3 people have searched for TMP on MarketBeat in the last 30 days. This is an increase of 200% compared to the previous 30 days.

MarketBeat Follows

Only 1 people have added Tompkins Financial to their MarketBeat watchlist in the last 30 days. This is a decrease of 0% compared to the previous 30 days.

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 shares have increased by 4.1% and is now trading at $65.02.

How were Tompkins Financial's earnings last quarter?

Tompkins Financial Corporation (NYSEAMERICAN:TMP) announced its earnings results on Friday, October, 25th. The financial services provider reported $1.30 earnings per share for the quarter, topping analysts' consensus estimates 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 16.56% and a trailing twelve-month return on equity of 10.33%.

Who are Tompkins Financial's major shareholders?

Tompkins Financial's top institutional investors include Tompkins Financial Corp (7.94%), Wealth Enhancement Advisory Services LLC (0.23%), Cardinal Capital Management (0.13%) and State of Alaska Department of Revenue (0.05%). 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
• Record date for 5/16 Dividend: 5/09/2025
• Ex-Dividend for 5/16 Dividend: 5/09/2025
• Dividend Payable: 5/16/2025
• Today: 7/16/2025
• Next Earnings (Estimated): 7/25/2025
• 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: +7.4%
• 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: 12.50
• Forward P/E Ratio: 11.77
• P/E Growth: N/A
• Net Income: $70.85 million
• Net Margins: 16.56%
• Pretax Margin: 21.73%
• Return on Equity: 10.33%
• Return on Assets: 0.92%

Debt

• Debt-to-Equity Ratio: 0.67
• Current Ratio: 0.92
• Quick Ratio: 0.92

Sales & Book Value

• Annual Sales: $435.70 million
• Price / Sales: 2.13
• Cash Flow: $5.36 per share
• Price / Cash Flow: 11.99
• Book Value: $49.57 per share
• Price / Book: 1.30

Miscellaneous

• Outstanding Shares: 14,430,000
• Free Float: 13,784,000
• Market Cap: $926.98 million
• Optionable: Not Optionable
• Beta: 0.90