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
Vol136.50K
As of25 Sep 2026

The Verdict

Hold

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/E8.14x
Forward P/E11.97x
P / S (ttm)3.21x
Profit margin39.3%
Return on equity20.4%
Revenue growth+7.2%
Earnings growth+36.0%

Layer Breakdown

LayerRawContribution
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.

United States · www.tompkinsfinancial.com

Risk Metrics

Beta vs SPX0.94
Corr SPX0.45
Annual vol33.3%
Annual ret+31.9%
Sharpe0.96
Max DD-28.8%

Window: 504 trading days (504 obs)

Material Events

DateEvent8-K
2026-07-28Reg FD Disclosure, Exhibitsread
2026-07-24Earnings Release, Other Material Event…read
2026-05-26Shareholder Voteread
2026-05-19Reg FD Disclosure, Exhibitsread
2026-04-27Officer / Director Changeread
2026-04-24Earnings Release, Other Material Event…read
2026-03-16Reg FD Disclosure, Exhibitsread
2026-01-30Earnings Release, Other Material Event…read
2025-12-17Officer / Director Changeread
2025-11-03Material Agreement, Acquisition / Disposition…read
2025-10-24Earnings Release, Other Material Event…read
2025-07-25Earnings Release, Other Material Event…read

Insider Trades

DateInsiderRoleActionSharesValue
2026-08-07McKenna John MEVP, Pres. Tompkins Comm.Option exercise802$61.67K
2026-08-07McKenna John MEVP, Pres. Tompkins Comm.Withheld for tax712$70.30K
2026-08-04Kershaw DavidSVP, PAOOption exercise260$19.99K
2026-08-04Kershaw DavidSVP, PAOWithheld for tax220$22.34K
2026-08-01Taylor Eric WEVP, President TFAWithheld for tax45$4.49K
2026-07-28ROMAINE STEPHEN SPresident & CEOOption exercise1.73K$133.34K
2026-07-28ROMAINE STEPHEN SPresident & CEOWithheld for tax1.53K$154.91K
2026-07-27Torcello Diane DEVP & President, TompkinsOption exercise250$19.23K
2026-07-27Torcello Diane DEVP & President, TompkinsWithheld for tax214$21.33K
2026-07-01Lee Angela BGrant219$21.01K

Flow & Concentration

Insider 180d net$0
Insider buys / sells0 / 0
Insider biasNeutral
13F holders0
Top-5 share0.0%
HHI0 (—)

SEC Filings

DateFormDoc
2026-08-104view
2026-08-054view
2026-08-034view
2026-07-3110-Qview
2026-07-304view
2026-07-294view
2026-07-288-Kview
2026-07-248-Kview
2026-07-1513F-HRview
2026-07-064view
2026-07-064view
2026-07-064view
2026-07-024view
2026-07-024view
2026-07-024view

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%

Indices

S&P SmallCap 600

Recent Sessions

DateOpenHighLowCloseVol
Sep 25$98.57$100.13$98.40$99.57136.50K
Sep 24$97.44$98.47$97.00$98.1470.20K
Sep 23$97.80$98.50$96.49$96.69104.20K
Sep 22$99.46$99.68$97.64$97.8296.90K
Sep 21$99.64$100.33$97.82$98.48104.40K

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