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: $91.15 to $92.18
• 50-Day Range: $80.37 to $92.02
• 52-Week Range: $59.67 to $92.18
• Volume: 55,494 shs
• Average Volume: 59,752 shs
• Market Capitalization: $1.32 billion
• P/E Ratio: 7.89
• Dividend Yield: 2.91%
• Price Target: $87.00
• Consensus Rating: Hold

Tompkins Financial Stock Analysis - MarketRank™

Tompkins Financial scored higher than 64% 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: 1.2 / 5
• Analyst Rating: Hold

Consensus Rating

Tompkins Financial has received a consensus rating of Hold. The company's average rating score is 2.00, and is based on no strong buy ratings, no buy ratings, 2 hold ratings, and no sell ratings.

Downside Risk

Tompkins Financial has a consensus price target of $87.00, representing about 5.5% downside from its current price of $92.02.

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: 7.28%

Earnings Growth

Earnings for Tompkins Financial are expected to grow by 7.28% in the coming year, from $7.55 to $8.10 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Tompkins Financial is 7.89, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 39.00.

Price to Earnings Ratio vs. Sector

The P/E ratio of Tompkins Financial is 7.89, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 20.17.

Price to Book Value per Share Ratio

Tompkins Financial has a P/B Ratio of 1.42. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

1.82% 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 4.5.

Change versus previous month

Short interest in Tompkins Financial has recently increased by 16.87%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Yield

Tompkins Financial pays a meaningful dividend of 2.91%, 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 54.14%. 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 33.09% next year. This indicates that Tompkins Financial will be able to sustain or increase its dividend.

News and Social Media

• Score: N/A
• News Sentiment: N/A

Company Ownership

• Score: 2.9 / 5
• Insider Trading: Acquiring Shares

Net Insider Buying

Over the last three months, insiders have purchased a net $99,988.00 in company stock, which represents 0.0076% of the company's market cap.

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 $99,988.00 in company stock and sold $0.00 in 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: 4/24/2026
• Record date for 5/15 Dividend: 5/08/2026
• Ex-Dividend for 5/15 Dividend: 5/08/2026
• Dividend Payable: 5/15/2026
• Today: 6/14/2026
• Next Earnings (Estimated): 7/24/2026
• Fiscal Year End: 12/31/2026

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: $87.00
• High Price Target: $87.00
• Low Price Target: $87.00
• Potential Upside/Downside: -5.5%
• Consensus Rating: Hold
• Rating Score (0-4): 2.00
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): $4.95
• Trailing P/E Ratio: 7.89
• Forward P/E Ratio: 12.19
• P/E Growth: N/A
• Net Income: $161.07 million
• Net Margins: 28.93%
• Pretax Margin: 40.33%
• Return on Equity: 11.27%
• Return on Assets: 1.13%

Debt

• Debt-to-Equity Ratio: 0.47
• Current Ratio: 0.94
• Quick Ratio: 0.94

Sales & Book Value

• Annual Sales: $578.95 million
• Price / Sales: 2.29
• Cash Flow: $6.59 per share
• Price / Cash Flow: 13.97
• Book Value: $65.02 per share
• Price / Book: 1.42

Miscellaneous

• Outstanding Shares: 14,380,000
• Free Float: 14,021,000
• Market Cap: $1.32 billion
• Optionable: Not Optionable
• Beta: 0.75