Tompkins Financial Stock Analysis

TMP Stock  USD 65.49  0.18  0.27%   
Tompkins Financial is undervalued with Real Value of 68.41 and Target Price of 72.5. The main objective of Tompkins Financial stock analysis is to determine its intrinsic value, which is an estimate of what Tompkins Financial is worth, separate from its market price. There are two main types of Tompkins Financial's stock analysis: fundamental analysis and technical analysis.
The Tompkins Financial stock is traded in the USA on NYSE MKT Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. Tompkins Financial is usually not traded on Dr . Martin Luther King Jr 's Birthday, Washington 's Birthday, Good Friday, Memorial Day, Juneteenth Holiday, Independence Day, Labour Day, Thanksgiving Day, Christmas Day, New Year 's Day. Tompkins Stock trading window is adjusted to America/New York timezone.
Check out World Market Map to better understand how to build diversified portfolios, which includes a position in Tompkins Financial. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in population.
To learn how to invest in Tompkins Stock, please use our How to Invest in Tompkins Financial guide.

Tompkins Stock Analysis Notes

About 68.0% of the company shares are owned by institutional investors. The company has price-to-book ratio of 1.28. Typically companies with comparable Price to Book (P/B) are able to outperform the market in the long run. Tompkins Financial has Price/Earnings To Growth (PEG) ratio of 2.46. The entity recorded earning per share (EPS) of 5.16. The firm last dividend was issued on the 9th of May 2025. Tompkins Financial had 11:10 split on the 3rd of February 2010. 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. Tompkins Financial Corporation was founded in 1836 and is headquartered in Ithaca, New York. Tompkinstrustco operates under BanksRegional classification in the United States and is traded on AMEX Exchange. It employs 969 people. To find out more about Tompkins Financial contact Stephen Romaine at 888 503 5753 or learn more at https://www.tompkinsfinancial.com.

Tompkins Financial Quarterly Total Revenue

114.49 Million

Tompkins Financial Investment Alerts

About 68.0% of the company shares are owned by institutional investors
Latest headline from thelincolnianonline.com: Insider Trading

Tompkins Financial Upcoming and Recent Events

26th of April 2024
Upcoming Quarterly Report
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19th of July 2024
Next Financial Report
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31st of March 2024
Next Fiscal Quarter End
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24th of January 2025
Next Fiscal Year End
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31st of December 2023
Last Quarter Report
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31st of December 2023
Last Financial Announcement
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Tompkins Largest EPS Surprises

Earnings surprises can significantly impact Tompkins Financial's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
Reported
Fiscal Date
Estimated EPS
Reported EPS
Surprise
2002-07-24
2002-06-300.480.530.0510 
2004-10-27
2004-09-300.560.620.0610 
2002-10-23
2002-09-300.50.560.0612 
View All Earnings Estimates

Tompkins Financial Environmental, Social, and Governance (ESG) Scores

Tompkins Financial's ESG score is a quantitative measure that evaluates Tompkins Financial's performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of Tompkins Financial's operations that may have significant financial implications and affect Tompkins Financial's stock price as well as guide investors towards more socially responsible investments.

Tompkins Market Capitalization

The company currently falls under 'Small-Cap' category with a total capitalization of 945.32 M.

Tompkins Profitablity

The company has Net Profit Margin of 0.25 %, which implies that it may need a different competitive strategy as even a very small decline in it revenue may erase profits and result in a net loss. This is way below average. In the same way, it shows Net Operating Margin of 0.34 %, which entails that for every 100 dollars of revenue, it generated $0.34 of operating income.
Last ReportedProjected for Next Year
Return On Tangible Assets 0.01  0.01 
Return On Capital Employed 0.01  0.01 
Return On Assets 0.01  0.01 
Return On Equity 0.10  0.15 

Management Efficiency

At this time, Tompkins Financial's Return On Tangible Assets are relatively stable compared to the past year. As of 07/20/2025, Return On Assets is likely to grow to 0.01, while Return On Capital Employed is likely to drop 0.01. At this time, Tompkins Financial's Liabilities And Stockholders Equity is relatively stable compared to the past year. As of 07/20/2025, Non Current Liabilities Total is likely to grow to about 1 B, while Total Current Liabilities is likely to drop slightly above 234.7 M. Tompkins Financial's management efficiency ratios could be used to measure how well Tompkins Financial manages its routine affairs as well as how well it operates its assets and liabilities.
Last ReportedProjected for Next Year
Book Value Per Share 50.18  52.69 
Tangible Book Value Per Share 43.51  45.69 
Enterprise Value Over EBITDA 60.49  63.52 
Price Book Value Ratio 1.35  2.12 
Enterprise Value Multiple 60.49  63.52 
Price Fair Value 1.35  2.12 
Enterprise Value1.6 B1.7 B
Tompkins Financial has shown resilience through effective management strategies. Our analysis examines how these strategies influence financial outcomes and investor returns which helps in understanding the stock's long-term potential.
Dividend Yield
0.0395
Operating Margin
0.3388
Profit Margin
0.248
Forward Dividend Yield
0.0395
Beta
0.883

Technical Drivers

As of the 20th of July, Tompkins Financial has the Risk Adjusted Performance of 0.1439, coefficient of variation of 669.26, and Semi Deviation of 1.39. In relation to fundamental indicators, the technical analysis model makes it possible for you to check existing technical drivers of Tompkins Financial, as well as the relationship between them.

Tompkins Financial Price Movement Analysis

The output start index for this execution was eleven with a total number of output elements of fifty. The Simple Moving Average indicator is calculated by adding the closing price of Tompkins Financial for a given number of time periods and then dividing this total by the number of time periods. It is used to smooth out Tompkins Financial short-term fluctuations and highlight longer-term trends or cycles.

Tompkins Financial Insider Trading Activities

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Tompkins Financial insiders, such as employees or executives, is commonly permitted as long as it does not rely on Tompkins Financial's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Tompkins Financial insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
 
Davidson Heidi M 18 hours ago
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Davidson Heidi M few days ago
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Davidson Heidi M six days ago
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Davidson Heidi M over a week ago
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Davidson Heidi M over three weeks ago
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Davidson Heidi M over three weeks ago
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Davidson Heidi M over a month ago
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Davidson Heidi M over a month ago
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Davidson Heidi M over a month ago
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Tompkins Financial Outstanding Bonds

Tompkins Financial issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Tompkins Financial uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Tompkins bonds can be classified according to their maturity, which is the date when Tompkins Financial has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

Tompkins Financial Predictive Daily Indicators

Tompkins Financial intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Tompkins Financial stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.

Tompkins Financial Corporate Filings

10th of July 2025
Other Reports
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F4
8th of July 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
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F4
7th of July 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
26th of June 2025
Other Reports
ViewVerify
F3
21st of May 2025
The report used by insiders such as officers, directors, and major shareholders (beneficial owners holding more than 10% of any class of the company's equity securities) to declare their ownership of a company's stock
ViewVerify
F4
15th of May 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F3
14th of May 2025
The report used by insiders such as officers, directors, and major shareholders (beneficial owners holding more than 10% of any class of the company's equity securities) to declare their ownership of a company's stock
ViewVerify
8K
13th of May 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify

Tompkins Financial Forecast Models

Tompkins Financial's time-series forecasting models are one of many Tompkins Financial's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary Tompkins Financial's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

About Tompkins Stock Analysis

Stock analysis is the technique used by a trader or investor to examine and evaluate how Tompkins Financial prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling Tompkins shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as Tompkins Financial. By using and applying Tompkins Stock analysis, traders can create a robust methodology for identifying Tompkins entry and exit points for their positions.
Last ReportedProjected for Next Year
Pretax Profit Margin 0.31  0.41 
Operating Profit Margin 0.24  0.43 
Net Profit Margin 0.24  0.28 
Gross Profit Margin 0.90  0.67 

Current Tompkins Analysis - Recommendations

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. Tompkins analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. Tompkins analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
Target PriceAdvice# of Analysts
72.5Buy2Odds
Tompkins Financial current and past analyst recommendations published by a number of research institutions as well as average analyst consensus.
Most Tompkins analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand Tompkins stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of Tompkins Financial, talking to its executives and customers, or listening to Tompkins conference calls.
Tompkins Analyst Advice Details

Tompkins Stock Analysis Indicators

Tompkins Financial stock analysis indicators help investors evaluate how Tompkins Financial stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading Tompkins Financial shares will generate the highest return on investment. By understating and applying Tompkins Financial stock analysis, traders can identify Tompkins Financial position entry and exit signals to maximize returns.
Begin Period Cash Flow79.5 M
Total Stockholder Equity713.4 M
Property Plant And Equipment Net76.6 M
Cash And Short Term Investments1.3 B
Net Invested Capital1.5 B
Cash134.4 M
50 Day M A63.216
Net Interest Income211.1 M
Total Current Liabilities247 M
Investments-250.4 M
Interest Expense136.5 M
Stock Based Compensation4.6 M
Long Term Debt543.2 M
Common Stock Shares Outstanding14.3 M
Total Cashflows From Investing Activities-250.4 M
Tax Provision22 M
Quarterly Earnings Growth Y O Y0.161
Free Cash Flow88.8 M
Net Debt655.8 M
Other Operating Expenses295.2 M
Non Current Assets Total171.4 M
Liabilities And Stockholders Equity8.1 B
Non Currrent Assets Other-1.5 B

Additional Tools for Tompkins Stock Analysis

When running Tompkins Financial's price analysis, check to measure Tompkins Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Tompkins Financial is operating at the current time. Most of Tompkins Financial's value examination focuses on studying past and present price action to predict the probability of Tompkins Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Tompkins Financial's price. Additionally, you may evaluate how the addition of Tompkins Financial to your portfolios can decrease your overall portfolio volatility.