Tompkins Financial Corporation logo

Tompkins Financial Corporation

TMP

AMEXFinancial ServicesBanks - Regional

Previous close

$97.91

+$0.79 · +0.81%

Aug 21, 4:00 PM ET

TMP company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

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 website

Tompkins 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 / TTM

Valuation & 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.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends104%68%31%-6%Gross margin, FY2021: 95.17%Gross margin, FY2022: 92.66%Gross margin, FY2023: 69.61%Gross margin, FY2024: 66.85%Gross margin, FY2025: 75.15%Operating margin, FY2021: 36.18%Operating margin, FY2022: 33.79%Operating margin, FY2023: 4.00%Operating margin, FY2024: 21.54%Operating margin, FY2025: 38.84%Net margin, FY2021: 28.19%Net margin, FY2022: 26.18%Net margin, FY2023: 3.13%Net margin, FY2024: 16.41%Net margin, FY2025: 27.82%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 95.17%. Gross margin FY2022 92.66%. Gross margin FY2023 69.61%. Gross margin FY2024 66.85%. Gross margin FY2025 75.15%. Operating margin FY2021 36.18%. Operating margin FY2022 33.79%. Operating margin FY2023 4.00%. Operating margin FY2024 21.54%. Operating margin FY2025 38.84%. Net margin FY2021 28.19%. Net margin FY2022 26.18%. Net margin FY2023 3.13%. Net margin FY2024 16.41%. Net margin FY2025 27.82%.

Income trends

Revenue

578.94M USD+34.12%

Operating income

224.86M USD+141.84%

Net income

161.07M USD+127.34%
Income trends across reported periods635.89M USD408.11M USD180.34M USD−47.44M USDRevenue, FY2021: 316.64M USDRevenue, FY2022: 324.74M USDRevenue, FY2023: 303.36M USDRevenue, FY2024: 431.65M USDRevenue, FY2025: 578.94M USDOperating income, FY2021: 114.57M USDOperating income, FY2022: 109.71M USDOperating income, FY2023: 12.12M USDOperating income, FY2024: 92.98M USDOperating income, FY2025: 224.86M USDNet income, FY2021: 89.26M USDNet income, FY2022: 85.03M USDNet income, FY2023: 9.51M USDNet income, FY2024: 70.85M USDNet income, FY2025: 161.07M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 316.64M USD. Revenue FY2022 324.74M USD. Revenue FY2023 303.36M USD. Revenue FY2024 431.65M USD. Revenue FY2025 578.94M USD. Operating income FY2021 114.57M USD. Operating income FY2022 109.71M USD. Operating income FY2023 12.12M USD. Operating income FY2024 92.98M USD. Operating income FY2025 224.86M USD. Net income FY2021 89.26M USD. Net income FY2022 85.03M USD. Net income FY2023 9.51M USD. Net income FY2024 70.85M USD. Net income FY2025 161.07M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue578.94M USD431.65M USD303.36M USD324.74M USD316.64M USD
Cost of goods sold143.88M USD143.08M USD92.18M USD23.83M USD15.31M USD
Gross profit435.07M USD288.57M USD211.18M USD300.9M USD301.33M USD
Selling, general, and administrative155.96M USD137.58M USD134.27M USD131.74M USD127.29M USD
Operating expenses210.21M USD195.59M USD199.05M USD191.19M USD186.76M USD
Interest income382.07M USD347.57M USD297.36M USD251.32M USD241.32M USD
Interest expense132.34M USD136.47M USD87.84M USD21.04M USD17.53M USD
Depreciation and amortization8.62M USD10.48M USD11.73M USD11.56M USD11.57M USD
Operating income224.86M USD92.98M USD12.12M USD109.71M USD114.57M USD
Net income161.07M USD70.85M USD9.51M USD85.03M USD89.26M 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

ActualEstimate
Quarterly EPS actual values compared with estimates7.145.093.040.99Q1 '25BeatQ2 '25BeatQ3 '25BeatQ4 '25MissQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 31, 2025: actual 1.37, estimate 1.16, surprise +18.10%, Beat. Q2 2025, reported Apr 25, 2025: actual 1.37, estimate 1.31, surprise +4.58%, Beat. Q3 2025, reported Jul 25, 2025: actual 1.5, estimate 1.43, surprise +4.90%, Beat. Q4 2025, reported Oct 24, 2025: actual 1.65, estimate 1.7, surprise -2.94%, Miss. Q1 2026, reported Jan 30, 2026: actual 6.7, estimate 1.76, surprise +280.68%, Beat. Q2 2026, reported Apr 24, 2026: actual 1.82, estimate 1.71, surprise +6.43%, Beat. Q3 2026, reported Jul 24, 2026: actual 2.04, estimate 1.82, surprise +12.09%, Beat. Q4 2026, reported Oct 23, 2026: actual —, estimate 1.91, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates204.32M158.43M112.55M66.67MQ1 '25MissQ2 '25BeatQ3 '25MissQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 31, 2025: actual 76.16M USD, estimate 77.74M USD, surprise -2.03%, Miss. Q2 2025, reported Apr 25, 2025: actual 81.69M USD, estimate 79.99M USD, surprise +2.12%, Beat. Q3 2025, reported Jul 25, 2025: actual 82.64M USD, estimate 85.5M USD, surprise -3.34%, Miss. Q4 2025, reported Oct 24, 2025: actual 87.44M USD, estimate 86.7M USD, surprise +0.86%, Beat. Q1 2026, reported Jan 30, 2026: actual 194.82M USD, estimate 136.16M USD, surprise +43.08%, Beat. Q2 2026, reported Apr 24, 2026: actual 83.7M USD, estimate 83.64M USD, surprise +0.06%, Beat. Q3 2026, reported Jul 24, 2026: actual 87.12M USD, estimate 86.93M USD, surprise +0.21%, Beat. Q4 2026, reported Oct 23, 2026: actual —, estimate 89.65M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$104

6.22% upside
Past 12 months12-month forecastHigh $104Average $104Low $104

Corporate 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

* Partial calendar year in the available dividend history.

Corporate action history

Dividend

Ex-dividend Aug 7, 2026

$0.70

Quarterly

Record Aug 7, 2026 · Payment Aug 14, 2026

Dividend

Ex-dividend May 8, 2026

$0.67

Quarterly

Record May 8, 2026 · Payment May 15, 2026

Dividend

Ex-dividend Feb 13, 2026

$0.67

Quarterly

Record Feb 13, 2026 · Payment Feb 22, 2026

Dividend

Ex-dividend Nov 7, 2025

$0.65

Quarterly

Record Nov 7, 2025 · Payment Nov 14, 2025

Dividend

Ex-dividend Aug 8, 2025

$0.62

Quarterly

Record Aug 8, 2025 · Payment Aug 15, 2025

Dividend

Ex-dividend May 9, 2025

$0.62

Quarterly

Record May 9, 2025 · Payment May 16, 2025

TMP peers

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