Tompkins Financial Corporation (TMP)

NYSEAMERICAN: TMP · USD

$99.7

-1.75 (-1.7%)· Recorded snapshot

Market cap	1.4B
Revenue (ttm)	448.5M
Net income (ttm)	180.3M
EPS (ttm)	$12.6
Shares out	14.4M
P/E (trailing)	7.9x
P/E (forward)	12.1x
Dividend	$2.80 (2.81%)
Volume	113,048.291
Beta	0.74

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 448.5M
Net income (ttm): 180.3M
EPS (ttm): $12.6
P/E (trailing): 7.9x
P/E (forward): 12.1x
Market cap: 1.4B

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	35B	8.8x	1.9x	15.9%	+15.1%	+24.9%	Strong Buy
AIG	American International Group Inc.	42.1B	12.8x	1.5x	7.9%	-10.3%	+4.5%	Strong Buy
AIZ	Assurant, Inc.	14.6B	13.7x	1.1x	14.3%	+6.5%	+41.9%	Hold

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-11-04 14:30 UTC

Forward P/E12.1

P25 n/aP50 n/aP75 n/a

Trailing P/E7.9

P25 n/aP50 n/aP75 n/a

ROE20.9

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All TMP indicators

Market & fundamental data

Available fields

250

Groups with data

Currency

USD

Showing 250 of 250 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	USD
CIK code	0001005817
Company name	Tompkins Financial Corporation
Country	United States
Country code	US
CUSIP number	890110109
Earnings date	2026-10-23
Earnings time	bmo
Employees	870
Employees change	-141
Employees growth	-13.95%
Enterprise value	$1.7B
Exchange	NYSEAMERICAN
Financial currency	USD
Financial report date	2026-09-30
First seen	2026-05-09
Fiscal year end	December
Founded	1836
In index	RUSSELL2000
Industry	Banks - Regional
Is primary listing	Yes
Is SPAC	No
ISIN number	US8901101092
Last 10-K release date	2026-02-26
Last earnings date	2026-10-23
Last refreshed	2026-11-04
Last stock split date	2010-02-03
Last stock split type	Forward
Market cap	$1.4B
Market cap category	Small-Cap
Next earnings date	2027-01-29
Options	Yes
Price	$99.73
Price currency	USD
Sector	Financials
SIC code	6022
Stock price date	2026-11-03
Symbol	TMP
U.S. state	New York
Website	https://www.tompkinsfinancial.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Adjusted P/E ratio	13.05x
Average P/E ratio (10Y)	20.34x
Average P/E ratio (3Y)	27.92x
Average P/E ratio (5Y)	23.71x
Earnings yield	12.61%
EV/Earnings	9.59x
EV/FCF	34.76x
EV/Sales	3.86x
FCF / EV yield	2.88%
FCF yield	3.48%
Forward EV/Sales	4.62x
Forward P/E	12.13x
Forward P/S	3.83x
Graham number	136.12188
Graham upside	36.49%
Industry forward P/E	9.87x
Industry P/E	11.69x
Lynch fair value	$177.87
Lynch upside	78.35%
P/B ratio	1.52x
P/E ratio	7.93x
P/FCF ratio	28.77x
P/OCF ratio	24.25x
P/S ratio	3.19x
Price / tangible book value	1.66x
Sector forward P/E	13.75x
Sector P/E	15.77x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Effective tax rate	28.03%
FCF margin	11.09%
Operating margin	55.91%
Pretax margin	55.85%
Profit margin	40.2%
Profit per employee	$207,218
Profitable quarters	11
Profitable years	32
Revenue per employee	$515,513
ROA	2.07%
ROA (5Y)	1.04%
ROE	20.9%
ROE (5Y)	11.25%
SBC / revenue	0.73%
Tax / revenue	15.65%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	113.17%
EPS growth (Q)	21.21%
EPS growth (QoQ)	-1.96%
EPS growth 10Y	12.62%
EPS growth 3Y	134.52%
EPS growth 5Y	14.72%
EPS growth quarters	9
EPS growth years	2
FCF growth	-47.47%
FCF growth (Q)	5.68%
FCF growth 3Y	-15.95%
FCF growth 5Y	-17.02%
Net income growth	113.4%
Net income growth (Q)	21.04%
Net income growth (QoQ)	-2.22%
Net income growth 3Y	134.53%
Net income growth 5Y	14.14%
Net income growth quarters	9
Net income growth years	2
OCF growth	-40.59%
OCF growth (Q)	5.56%
OCF growth 10Y	-3.79%
OCF growth 3Y	-13.47%
OCF growth 5Y	-14.8%
Revenue growth	41.52%
Revenue growth (Q)	2.22%
Revenue growth (QoQ)	1.43%
Revenue growth 10Y	6.28%
Revenue growth 3Y	26.76%
Revenue growth 5Y	7.76%
Revenue growth quarters	9
Revenue growth years	2

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$-9.3M
EPS	$12.58
FCF per share	$3.47
Financing cash flow	$325M
Free cash flow	$49.8M
Gross profit	$448.5M
Income taxes	$70.2M
Investing cash flow	$-335.3M
Net borrowing	$14.9M
Net cash flow	$48.7M
Net income	$180.3M
Operating income	$250.8M
Revenue	$448.5M
Stock-based compensation	$3.3M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	$65.48
Debt / equity	0.58
Debt / FCF	10.99
Goodwill	$72.7M
Net cash (debt)	$-298.4M
Net cash / market cap	-20.85%
Net debt / equity	0.32
Net debt / FCF	6
Piotroski F-Score	3
Property, plant and equipment	$70.2M
Shareholders' equity	$936.4M
Tangible book value	$863.6M
Tangible book value per share	$60.40
Total assets	$9B
Total cash	$248.4M
Total debt	$546.8M
Total liabilities	$8B
WACC	6.04%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	$-7.5B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	-0.15%
Dividend growth	10.76%
Dividend growth (10Y)	4.62%
Dividend growth (3Y)	5.02%
Dividend growth (5Y)	4.89%
Dividend growth years	39
Dividend payment date	2026-11-13
Dividend payment years	53
Dividend payout frequency	Quarterly
Dividend per share	$2.80
Dividend yield	2.81%
Ex-dividend date	2026-11-06
FCF payout ratio	80.19%
Last dividend	$0.74
Payout ratio	22.11%
Shareholder yield	2.66%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y price change	35.14%
10Y return CAGR	6.32%
10Y total return	84.6%
150-day SMA	$92.93
15Y price change	157.57%
15Y return CAGR	9.91%
15Y total return	312.4%
1D price change	-1.72%
1M price change	0.85%
1M total return	0.85%
1W price change	-2.41%
1W total return	-2.41%
1Y price change	57.15%
1Y return CAGR	62.43%
1Y total return	62.37%
20-day SMA	$98.90
200-day SMA	$89.33
20Y price change	139.58%
20Y return CAGR	7.82%
20Y total return	350.57%
3M price change	-0.11%
3M total return	0.59%
3Y price change	90.87%
3Y return CAGR	28.98%
3Y total return	114.62%
50-day SMA	$98.31
50-day SMA vs 200-day SMA	50over200
52-week high	$104.18
52-week high date	2026-10-26
52-week low	$63.60
52-week low date	2025-11-03
5Y price change	21.65%
5Y return CAGR	7.71%
5Y total return	44.96%
6M price change	17.95%
6M total return	19.72%
All-time high	$104.18
All-time high date	2026-10-26
All-time low	$5.08
All-time low date	1990-11-05
Average true range (ATR)	$2.37
Average volume	104.6K
Beta (1Y)	0.07
Beta (2Y)	0.67
Beta (5Y)	0.74
Change from 52-week high	-4.27%
Change from 52-week low	56.82%
Change from all-time high	-4.27%
Change from all-time low	1,863.19%
Change from open	-1.54%
Day's gap	-0.19%
Dollar volume	$11.3M
High price	$101.71
Low price	$99.30
Monthly RSI	70.12
Open price	$101.29
Position in 52-week range	17.84%
Premarket change	0.6%
Premarket close	$99.73
Premarket price	$100.33
Previous close	$101.48
Price vs 150-day SMA	7.32%
Price vs 20-day SMA	0.84%
Price vs 200-day SMA	11.64%
Price vs 50-day SMA	1.44%
Relative volume	1.08
RSI	51.69
Sharpe ratio	1.83
Sharpe ratio (3Y)	0.85
Sharpe ratio (5Y)	0.26
Sortino ratio	3.27
Sortino ratio (3Y)	1.54
Sortino ratio (5Y)	0.59
Volume	113K
Weekly RSI	61.18
YTD price change	37.52%
YTD total return	40.71%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	13M
Float percentage	90.77%
Shares change (QoQ)	0.09%
Shares change (YoY)	0.15%
Shares held by insiders	2.68%
Shares held by institutions	71.51%
Shares outstanding	14.4M
Short % of float	3.6%
Short % of shares	3.27%
Short ratio	4.2 days

Deeper analysis on TMP

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this TMP report

Is a complete TMP research report available?

No complete published report is available for Tompkins Financial Corporation (TMP) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

Tompkins Financial Corporation (TMP)

Price

Financial snapshot

Fair-value bridge

Latest news · TMP

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All TMP indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on TMP

Frequently asked questions