Inside the research
Tompkins Financial Corporation
TMP Research profile · latest available data
Price overview
$99.57
▲ +1.43 (+1.5%)
| 52w hi | $101.21 |
|---|---|
| 52w lo | $60.08 |
| Vol | 136.50K |
| As of | 25 Sep 2026 |
The Verdict
Our score +0.32
| Short | +0.22 |
|---|---|
| Medium | +0.33 |
| Long | +0.52 |
computed 2026-09-27
Key fundamentals
Tompkins Financial Corporation
Financial Services · Banks - Regional
| Market cap | $1.43B |
|---|---|
| Enterprise value | $2.01B |
| Trailing P/E | 8.14x |
| Forward P/E | 11.97x |
| P / S (ttm) | 3.21x |
| Profit margin | 39.3% |
| Return on equity | 20.4% |
| Revenue growth | +7.2% |
| Earnings growth | +36.0% |
Layer Breakdown
| Layer | Raw | Contribution |
|---|---|---|
| Fundamental | +0.40 | |
| Sector | +0.02 | |
| Technical | +0.11 | |
| Earnings | +0.00 | |
| Sentiment | +0.10 |
macro × 1.00 · 2026-09-27
Business overview
Tompkins Financial Corporation, a financial holding company, provides commercial and consumer banking, leasing, trust and investment management, financial planning and wealth management, and insurance services. It operates through two segments: Banking, and Wealth Management. The company accepts various deposit products, including checking and savings accounts, time deposits, and IRA products. It also offers loans for various business purposes, including real estate financing, construction, equipment financing, accounts receivable financing, and commercial leasing; residential mortgage loans; personal loans; home equity loans; residential real estate loans; commercial and industrial loans; commercial real estate loans; agriculture loans; and consumer and other loans, such as direct and indirect personal installment loans, automobile financing, and overdraft lines of credit. In addition, the company provides letters of credit and sweep accounts; credit and debit cards; deposit and cash management, internet-based account, remote deposit, safe deposit, ATM, voice response, and mobile and internet banking services; trust and estate; financial and tax planning services; property and casualty, life, disability, and long-term care insurance services; employee benefit consulting services; and insurance planning services. It primarily serves individuals, corporate executives, small business owners, and high net worth individuals. Tompkins Financial Corporation was founded in 1836 and is headquartered in Ithaca, New York.
Risk Metrics
| Beta vs SPX | 0.94 |
|---|---|
| Corr SPX | 0.45 |
| Annual vol | 33.3% |
| Annual ret | +31.9% |
| Sharpe | 0.96 |
| Max DD | -28.8% |
Window: 504 trading days (504 obs)
Material Events
| Date | Event | 8-K |
|---|---|---|
| 2026-07-28 | Reg FD Disclosure, Exhibits | read |
| 2026-07-24 | Earnings Release, Other Material Event… | read |
| 2026-05-26 | Shareholder Vote | read |
| 2026-05-19 | Reg FD Disclosure, Exhibits | read |
| 2026-04-27 | Officer / Director Change | read |
| 2026-04-24 | Earnings Release, Other Material Event… | read |
| 2026-03-16 | Reg FD Disclosure, Exhibits | read |
| 2026-01-30 | Earnings Release, Other Material Event… | read |
| 2025-12-17 | Officer / Director Change | read |
| 2025-11-03 | Material Agreement, Acquisition / Disposition… | read |
| 2025-10-24 | Earnings Release, Other Material Event… | read |
| 2025-07-25 | Earnings Release, Other Material Event… | read |
Insider Trades
| Date | Insider | Role | Action | Shares | Value |
|---|---|---|---|---|---|
| 2026-08-07 | McKenna John M | EVP, Pres. Tompkins Comm. | Option exercise | 802 | $61.67K |
| 2026-08-07 | McKenna John M | EVP, Pres. Tompkins Comm. | Withheld for tax | 712 | $70.30K |
| 2026-08-04 | Kershaw David | SVP, PAO | Option exercise | 260 | $19.99K |
| 2026-08-04 | Kershaw David | SVP, PAO | Withheld for tax | 220 | $22.34K |
| 2026-08-01 | Taylor Eric W | EVP, President TFA | Withheld for tax | 45 | $4.49K |
| 2026-07-28 | ROMAINE STEPHEN S | President & CEO | Option exercise | 1.73K | $133.34K |
| 2026-07-28 | ROMAINE STEPHEN S | President & CEO | Withheld for tax | 1.53K | $154.91K |
| 2026-07-27 | Torcello Diane D | EVP & President, Tompkins | Option exercise | 250 | $19.23K |
| 2026-07-27 | Torcello Diane D | EVP & President, Tompkins | Withheld for tax | 214 | $21.33K |
| 2026-07-01 | Lee Angela B | Grant | 219 | $21.01K |
Flow & Concentration
| Insider 180d net | $0 |
|---|---|
| Insider buys / sells | 0 / 0 |
| Insider bias | Neutral |
| 13F holders | 0 |
| Top-5 share | 0.0% |
| HHI | 0 (—) |
SEC Filings
The Long Run
FY 2011–2025 · 15 years
| Line | Latest | CAGR | Trend |
|---|---|---|---|
| Revenue | $75.74M | +2.0% | |
| Net income | $161.07M | +11.4% | |
| Cash from ops | $89.00M | +4.0% |
Indices
Recent Sessions
| Date | Open | High | Low | Close | Vol |
|---|---|---|---|---|---|
| Sep 25 | $98.57 | $100.13 | $98.40 | $99.57 | 136.50K |
| Sep 24 | $97.44 | $98.47 | $97.00 | $98.14 | 70.20K |
| Sep 23 | $97.80 | $98.50 | $96.49 | $96.69 | 104.20K |
| Sep 22 | $99.46 | $99.68 | $97.64 | $97.82 | 96.90K |
| Sep 21 | $99.64 | $100.33 | $97.82 | $98.48 | 104.40K |
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