Tompkins Financial Corporation (TMP) AI Stock Analysis

Tompkins Financial Corporation, founded in 1836 and headquartered in Ithaca, New York, is a financial holding company operating through Banking, Insurance, and Wealth Management segments. Its banking arm delivers deposit products and lending options, including commercial loans, residential mortgages, personal loans, equipment leasing, and real estate financing. The insurance division provides property and casualty, medical, life, disability, and long-term care policies, alongside employee benefit consulting and insurance planning services. The wealth management unit provides investment management, trust, estate planning, and financial advisory services tailored for high net worth individuals, corporate executives, and small businesses.

Revenue increased from $316.6M in FY2021 to $578.9M in FY2025, reflecting a 5-year revenue CAGR of 12.2%. After declining 8.4% to $297.4M in FY2023, revenue expanded 45.2% to $431.6M in FY2024 and 34.1% in FY2025. Operating margin rose to 38.8% in FY2025 from 21.5% in FY2024 and 4.0% in FY2023. Net income reached $161.1M in FY2025, up from $70.8M in FY2024. For the latest quarter ended June 30, 2026, revenue increased 7.2% year-over-year, while quarterly earnings grew 36.0%, bringing trailing twelve-month net profit margin to 39.2%.

As of June 30, 2026, Tompkins Financial held $71.7M in cash and short-term investments against total debt of $728.1M, resulting in net debt of $656.4M. Shareholders' equity was $959.9M across $8.80B in total assets, with a debt-to-equity ratio of 0.76 and a current ratio of 0.01. During FY2025, operating cash flow was $38.9M and free cash flow stood at $31.9M. Capital allocation in FY2025 included $6.9M in capital expenditures, $2.7M in share buybacks, and $36.1M paid in cash dividends.

Tompkins Financial trades at a trailing P/E of 8.0x, which is below the 12.1x median of its US-listed Financial Services peers. Its forward P/E stands at 12.9x, compared to the peer median of 10.8x, while its price-to-sales ratio of 3.1x aligns closely with the peer median of 3.2x. The stock has a price-to-book ratio of 1.4x and an enterprise value to revenue multiple of 7.4x. Over the past year, TMP gained 62.4%, outperforming the S&P 500 (SPY) return of 16.8%, though its 5-year return of 42.9% trailed the S&P 500 return of 83.0%.

TMP pays an annualized forward dividend of $2.80 per share, yielding 2.87% with a payout ratio of 36.9%. Dividends are distributed quarterly and have been paid for 37 consecutive years. The company's dividend growth over the past 5 years annualized at 3.6%, and its most recent ex-dividend date was August 7, 2026.

Wall Street analyst coverage includes 1 Buy and 1 Hold rating, with 0 Sell ratings. The mean price target is $104.50, representing 7.1% upside over the last close of $97.58. For the fiscal year ending December 31, 2026, consensus estimates project EPS of $7.80, representing 23.7% growth, on revenue of $353.4M. For next fiscal year, 2 analysts project EPS of $8.16 on revenue of $386.2M. The company has beat EPS estimates in 3 of the last 4 quarters, with next earnings scheduled for October 23, 2026.

This page is an AI-written research summary of Tompkins Financial Corporation (TMP). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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