The Bid & Ask

Quotations, Dispatches, and the Daily Tape

Friday, August 14, 2026

Subject of the day

TMP

Concerning the House

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.

United States · www.tompkinsfinancial.com

The Long Run

FY 2011–2025 · 15 years

LineLatestCAGRTrend
Revenue$75.74M+2.0%
Net income$161.07M+11.4%
Cash from ops$89.00M+4.0%
Quotation

$101.13

+0.81 (+0.8%)

52w hi$101.13
52w lo$60.08
Vol66.35K
As ofAug 13
The Verdict

Hold

Our score +0.46

Short+0.27
Medium+0.54
Long+0.68

computed 2026-08-13

By the Numbers

Tompkins Financial Corporation

Financial Services · Banks - Regional

Market cap$1.45B
Enterprise value$2.02B
Trailing P/E8.27x
Forward P/E12.16x
EV / EBITDA
P / S (ttm)3.26x
Profit margin39.3%
Return on equity20.4%
Revenue growth+7.2%
Earnings growth+36.0%
Debt / equity
Risk Metrics
Beta vs SPX0.96
Corr SPX0.45
Annual vol34.4%
Annual ret+34.8%
Sharpe1.01
Max DD-28.8%

Window: 504 trading days (504 obs)

Layer Breakdown
LayerRawContribution
Fundamental+0.40
Sector+0.09
Technical+0.25
Earnings+0.00
Sentiment+0.00

macro × 1.00 · 2026-08-13

Recent Sessions
DateOpenHighLowCloseVol
Aug 13$100.87$101.39$100.22$101.1366.35K
Aug 12$99.52$101.69$99.52$100.32118.90K
Aug 11$97.81$99.10$97.81$99.1098.20K
Aug 10$97.99$99.07$96.56$97.51112.00K
Aug 7$99.11$99.29$97.89$98.7352.10K