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Company Analysis

Tompkins Financial Corporation TMP

A comprehensive view of key metrics, scores, and financial health for Tompkins Financial Corporation

Overview of Tompkins Financial Corporation

TMP ASE
Financial Services Banks - Regional Small Cap
Tompkins Financial Corporation (TMP), is a Small Cap company, in the Banks - Regional industry, last closed at $74.00, about 23.1% overvalued vs fair value, +15.4% 1Y return, placing in the top 25% of its sector.
$74.00
-0.54%
As of March 13, 2026
Previous close • Vol 90d: 30.0%
52-Week Range
Market Cap
$1.08B
Enterprise Value
$1.69B
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.tompkinsfinancial....
HQ Ithaca, NY
Employees 813
Fiscal year Dec 31

Next Events

Earnings Apr 24 Estimated

Fair Value Snapshot

Bear Base Bull
$32
$57
$107
Current: $74.00 -23% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$347.6M
16.9%%
Interest Expense
$132.3M
Net Interest Income
$211.1M
0.8%%
Total Revenue
$578.9M
96.1%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
9.9%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$35.0M
49.5% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Tompkins Financial Corporation's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
60
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
53
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing TMP's balance between Growth (36.9%), Profitability (35.6%), and Safety (27.6%). Growth 37% Safety 28% Profitability 36%

Click axes to expand details. Marker shows current allocation.

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Growth

73th percentile vs peers
74
Key Signals
Rev Growth YoY 96.1% 79p Revenue CAGR 3Y 24.0% 71p Asset Growth YoY 6.9% 67p
Strengths
  • Operating Margin in top 20% of peers (38.8%, 90th percentile)
  • Net Profit Margin in top 20% of peers (27.8%, 88th percentile)
  • Superior capital returns - 2 return metrics above peer median
  • Growth above peer median with strong metric coverage (72%)
Risks

No significant risks identified for this axis.

Profitability

71th percentile vs peers
71
Key Signals
Strengths
Risks
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Safety

55th percentile vs peers
55
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Tompkins Financial Corporation.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$56.88
- - -
-23.1% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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