Tompkins Financial Corporation
TMP
AMEX·Financial Services·Banks - Regional·Mkt cap $1.4B
$99.57
▲ +0.89%
P/E
8.14
Mkt Cap
$1.4B
52-Wk Range
$61.88–$102.59
52-Week Range
$61.88 - $102.59
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 42.7% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
5 reasons
- Deep regional market presence with 63 offices in high-growth Northeast markets (New York and Pennsylvania)
- Diversified revenue streams across banking, insurance, and wealth management reduce earnings volatility
- Strong community banking relationships and personalized service model difficult for large banks to replicate
- Cross-selling opportunities between business segments enhance customer lifetime value and profitability
- 186-year operating history and established brand reputation in core markets
Bear Case
1 risk
- Low volatility (beta 0.7).
Growth
Revenue decline expected
Organic loan portfolio growth through commercial real estate and small business lending expansion
Value
Valued in line with sector peers (1.1x).
Momentum
Strong
+13.9% over 3m
Quality
Excellent
Emerging growth company (-77% revenue growth). Early stage with higher risk.
Dividend
Solid
2.70% yield
Smart-money signal
Who's buying TMP right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Latest print - beat on both lines
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Oct 23, 2026
JUL 24, 2026
Reported EPS of $2.04 vs $1.82 consensus (+12.1% surprise). Revenue of $87.1M vs $86.9M expected (+0.2%). Beat on both top and bottom lines.
EPS surprise · last 4Q
1 of 1 beats
Estimate
Actual
Q3 26
+12.1%
Revenue trend · last 8Q
—
+9%
+12%
+14%
+16%
+198%
+26%
-77%
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
Q2 26
$75.6M
$76.2M
$81.7M
$116.2M
$121.6M
$226.7M
$102.7M
$26.6M
Margins · last 8Q
Gross
-21.5%
Operating
-129.6%
Profit
110.2%
Wall Street consensus
1 analyst · 0% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
0%
Hold
100%
Sell
0%
Median Price Target
—
Latest: Piper Sandler · Aug 3, 2026
vs Industry
How TMP stacks vs Banks - Regional
Stock metrics vs industry averages. Green = better than industry.
Industry comparison data unavailable for this stock.