
Tompkins Financial Corporation
TMPAMEXFinancial ServicesBanks - Regional
Previous close
$97.91
+$0.79 · +0.81%
TMP company overview
Regular session · ET · Market data may be delayed.
GoAI snapshot
AI-powered factor overview
GoAI score
Buy
Favorable setup — positive multi-factor alignment
Valuation
97
Deep Value
Momentum
63
Gaining
Sentiment
63
Bullish
Risk resilience
75
Moderate Risk
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Company profile
Company websiteTompkins Financial Corporation functions as a financial holding entity, offering a comprehensive array of services that include commercial and retail banking, leasing, trust and investment management, financial planning, wealth management, and insurance solutions. Its operations are strategically divided into three main segments: Banking, Insurance, and Wealth Management. The corporation provides a diverse selection of deposit products, such as checking, savings, and time accounts, alongside IRA options, and specialized brokered, reciprocal, and municipal money market deposits. It also extends a wide range of lending solutions. For businesses, these include financing for real estate, construction, and equipment, accounts receivable funding, and commercial leasing. For individuals and businesses alike, it offers residential mortgages, personal loans, home equity loans, commercial and industrial loans, commercial real estate loans, and agricultural loans. Consumer-specific financing encompasses personal installment loans, direct and indirect automobile loans, and overdraft lines of credit. Additional services provided include letters of credit and sweep accounts, credit and debit cards, and modern banking conveniences such as deposit and cash management, internet and mobile banking platforms, remote deposit capture, safe deposit boxes, voice response systems, and ATM access. Beyond banking, Tompkins Financial delivers investment management, trust and estate administration, and financial and tax planning services. Its insurance offerings span property and casualty, medical, life, disability, and long-term care policies, further enhanced by employee benefit consulting and general insurance planning. The company primarily serves a varied clientele, including individual consumers, corporate executives, small business owners, and high-net-worth individuals. Tompkins Financial operates through a network of 63 banking branches, with 43 situated in New York and 20 in Pennsylvania. Founded in 1836, the corporation is headquartered in Ithaca, New York.
- Industry
- Banks - Regional
- Sector
- Financial Services
- Headquarters
- US
- CEO
- Stephen S. Romaine
- Listed since
- Jun 2, 1986
- Employees
- 813
Market position
Day range
Current $97.91
52-week range
Current $97.91
- Open
- $97.55
- Previous close
- $97.12
- Volume
- 117.53K
- 1.42× average
- Average volume
- 82.69K
- Average daily volume
- Market cap
- 1.41B USD
- Beta
- 0.72
- Market reference 1
- 50-day average
- $95.565
- +2.45% above average
- 200-day average
- $82.5046
- +18.67% above average
Financials
Financial snapshot
Latest / TTMValuation & yield
- Enterprise value
- 1.56B USD
- EV / EBITDA
- 6.69×
- Earnings yield
- 15.58%
- Free cash flow yield
- 3.09%
Profitability & efficiency
- Return on equity
- 17.16%
- Return on assets
- 1.86%
- Return on invested capital
- 9.31%
Financial health
- Current ratio
- 0.15×
Financial statements
Margin trends
Profitability as a percentage of reported revenue.
Income trends
Revenue
Operating income
Net income
| Metric (USD) | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 578.94M USD | 431.65M USD | 303.36M USD | 324.74M USD | 316.64M USD |
| Cost of goods sold | 143.88M USD | 143.08M USD | 92.18M USD | 23.83M USD | 15.31M USD |
| Gross profit | 435.07M USD | 288.57M USD | 211.18M USD | 300.9M USD | 301.33M USD |
| Selling, general, and administrative | 155.96M USD | 137.58M USD | 134.27M USD | 131.74M USD | 127.29M USD |
| Operating expenses | 210.21M USD | 195.59M USD | 199.05M USD | 191.19M USD | 186.76M USD |
| Interest income | 382.07M USD | 347.57M USD | 297.36M USD | 251.32M USD | 241.32M USD |
| Interest expense | 132.34M USD | 136.47M USD | 87.84M USD | 21.04M USD | 17.53M USD |
| Depreciation and amortization | 8.62M USD | 10.48M USD | 11.73M USD | 11.56M USD | 11.57M USD |
| Operating income | 224.86M USD | 92.98M USD | 12.12M USD | 109.71M USD | 114.57M USD |
| Net income | 161.07M USD | 70.85M USD | 9.51M USD | 85.03M USD | 89.26M USD |
Company facts updated Aug 24, 2026.
Earnings
- EPS beat rate
- 82%
- 9 beats, 2 misses, 0 met estimates
- Average EPS surprise
- +30.92%
- 11 comparable reports
- Latest EPS result
- 2.04
- Estimate 1.82 · Beat by 12.09%
EPS: actual versus estimate
Recent quarterly results
Revenue: actual versus estimate
Recent quarterly results
Analyst ratings
Third-party consensus; not a GoAI recommendation.
Analyst price target
Average target
$104
6.22% upsideCorporate actions
Annual dividends per share
Cash distributions grouped by calendar year; partial years are marked.
$2.51
2025 complete year+14.6% since 2021
2026 partial: $2.04
$2.19
2,021
$2.31
2,022
$2.40
2,023
$2.44
2,024
$2.51
2,025
$2.04
2,026*
* Partial calendar year in the available dividend history.
Corporate action history
| Action | Ex-dividend date | Details | Record date | Payment date |
|---|---|---|---|---|
Dividend | Aug 7, 2026 | $0.70Quarterly | Aug 7, 2026 | Aug 14, 2026 |
Dividend | May 8, 2026 | $0.67Quarterly | May 8, 2026 | May 15, 2026 |
Dividend | Feb 13, 2026 | $0.67Quarterly | Feb 13, 2026 | Feb 22, 2026 |
Dividend | Nov 7, 2025 | $0.65Quarterly | Nov 7, 2025 | Nov 14, 2025 |
Dividend | Aug 8, 2025 | $0.62Quarterly | Aug 8, 2025 | Aug 15, 2025 |
Dividend | May 9, 2025 | $0.62Quarterly | May 9, 2025 | May 16, 2025 |
Ex-dividend Aug 7, 2026
$0.70
Quarterly
Record Aug 7, 2026 · Payment Aug 14, 2026
Ex-dividend May 8, 2026
$0.67
Quarterly
Record May 8, 2026 · Payment May 15, 2026
Ex-dividend Feb 13, 2026
$0.67
Quarterly
Record Feb 13, 2026 · Payment Feb 22, 2026
Ex-dividend Nov 7, 2025
$0.65
Quarterly
Record Nov 7, 2025 · Payment Nov 14, 2025
Ex-dividend Aug 8, 2025
$0.62
Quarterly
Record Aug 8, 2025 · Payment Aug 15, 2025
Ex-dividend May 9, 2025
$0.62
Quarterly
Record May 9, 2025 · Payment May 16, 2025
TMP peers
ETFs holding TMP
Funds reporting this stock among their holdings, ordered by reported position size.
iShares Core S&P Small-Cap ETFIJR77.27M0.07%111.19B USD0.06%$147.31+0.64%
Vanguard Morningstar Total Stock Market ETFVTI41.64M0.00%2.3T USD0.03%$378.24+0.44%
Avantis U.S. Small Cap Value ETFAVUV37.47M0.12%31.27B USD0.25%$126.45+0.66%
iShares Russell 2000 ETFIWM34.37M0.04%81.62B USD0.19%$299.96+0.77%
Vanguard Morningstar Small-Cap ETFVB29.68M0.02%183.4B USD0.03%$304.76+0.64%
Vanguard Morningstar Small-Cap Value ETFVBR18.87M0.03%68.3B USD0.05%$249.18+0.68%
Vanguard Extended Market ETFVXF14.57M0.02%93.7B USD0.05%$245.53+0.82%
iShares Russell 2000 Value ETFIWN12.61M0.09%14.66B USD0.24%$224.81+0.45%
iShares Core S&P Small-Cap ETFIJR- Market value
- 77.27M
- Weight
- 0.07%
- AUM
- 111.19B USD
- Expense ratio
- 0.06%
- Price / 1D
- $147.31+0.64%
Vanguard Morningstar Total Stock Market ETFVTI- Market value
- 41.64M
- Weight
- 0.00%
- AUM
- 2.3T USD
- Expense ratio
- 0.03%
- Price / 1D
- $378.24+0.44%
Avantis U.S. Small Cap Value ETFAVUV- Market value
- 37.47M
- Weight
- 0.12%
- AUM
- 31.27B USD
- Expense ratio
- 0.25%
- Price / 1D
- $126.45+0.66%
iShares Russell 2000 ETFIWM- Market value
- 34.37M
- Weight
- 0.04%
- AUM
- 81.62B USD
- Expense ratio
- 0.19%
- Price / 1D
- $299.96+0.77%
Vanguard Morningstar Small-Cap ETFVB- Market value
- 29.68M
- Weight
- 0.02%
- AUM
- 183.4B USD
- Expense ratio
- 0.03%
- Price / 1D
- $304.76+0.64%
Vanguard Morningstar Small-Cap Value ETFVBR- Market value
- 18.87M
- Weight
- 0.03%
- AUM
- 68.3B USD
- Expense ratio
- 0.05%
- Price / 1D
- $249.18+0.68%
Vanguard Extended Market ETFVXF- Market value
- 14.57M
- Weight
- 0.02%
- AUM
- 93.7B USD
- Expense ratio
- 0.05%
- Price / 1D
- $245.53+0.82%
iShares Russell 2000 Value ETFIWN- Market value
- 12.61M
- Weight
- 0.09%
- AUM
- 14.66B USD
- Expense ratio
- 0.24%
- Price / 1D
- $224.81+0.45%
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