A Business at a Glance
0 of 1 daily views used (1 remaining). Sign up free for +5 more daily views (6 total), or try AAPL for a full preview.
TOMPKINS FINANCIAL CORP
TMP
$1.4B
Mkt Cap
$101.12
+9.14%
TOMPKINS FINANCIAL CORP (TMP) has a current P/E ratio of 9.0, compared to its historical median P/E of 12.4. The stock is currently considered Fair based on its historical valuation range.
TOMPKINS FINANCIAL CORP (TMP) has a 5-year average return on invested capital (ROIC) of 11.2%. This indicates solid capital allocation.
TOMPKINS FINANCIAL CORP (TMP) has a market capitalization of $1.5B. It is classified as a small-cap stock.
Yes, TOMPKINS FINANCIAL CORP (TMP) pays a dividend with a trailing twelve-month yield of 2.52%. The company also returns capital through share buybacks, with a buyback yield of 0.11%.
Based on historical P/E analysis, TOMPKINS FINANCIAL CORP (TMP) appears fair. The current P/E of 9.0 is 27% below its historical median of 12.4. The estimated fair value CAGR (P/E method) is -10.1%.
TOMPKINS FINANCIAL CORP (TMP) operates in the State Commercial Banks industry, within the Financials sector.
TOMPKINS FINANCIAL CORP (TMP) reported annual revenue of $579 million in its most recent fiscal year, based on SEC EDGAR filings.
The disclosures set forth in this Item 1. Business are qualified by the section captioned "Forward-Looking Statements" in Item 7. Management’s Discussion and Analysis of Financial Condition and Results of Operations of this Report and other cautionary statements set forth elsewhere in this Report. Tompkins Financial Corporation ("Tompkins" or the "Company") is headquartered in Ithaca, New York and is registered as a Financial Holding Company with the Federal Reserve Board under the Bank Holding Company Act of 1956, as amended. The Company is a locally-oriented, community-based financial services organization that offers a full array of products and services, including commercial and consumer banking, leasing, trust and investment management, financial planning and wealth management services. At December 31, 2025, the Company had one wholly-owned banking subsidiary, Tompkins Community Bank.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 449M | 579M | 436M | 308M | 329M | 320M |
| Net Income | 167M | 161M | 71M | 9.5M | 85M | 89M |
| EPS | $11.59 | $11.24 | $4.97 | $0.66 | $5.89 | $6.05 |
| Free Cash Flow | 82M | 32M | 89M | 82M | 95M | 116M |
| ROIC | 17.7% | 19.5% | 10.3% | 1.5% | 12.6% | 12.3% |
| Gross Margin | - | 77.1% | 68.5% | 71.3% | 93.5% | 94.3% |
| Debt/Equity | 0.00 | 0.05 | 0.00 | 0.00 | 0.00 | 0.00 |
| Dividends/Share | $2.55 | $3.13 | $2.44 | $2.40 | $2.31 | $2.19 |
| Operating Income | 11M | 13M | 10M | 6.5M | 5.9M | 7.2M |
| Operating Margin | 2.5% | 2.2% | 2.3% | 2.1% | 1.8% | 2.2% |
| ROE | 17.7% | 19.5% | 10.3% | 1.5% | 12.6% | 12.3% |
| Shares Outstanding | 14M | 14M | 14M | 14M | 14M | 15M |
| Metric | 2018 | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 255M | 261M | 272M | 296M | 329M | 337M | 328M | 320M | 329M | 308M | 436M | 579M | 449M |
| Gross Margin | 91.0% | 91.1% | 90.3% | 90.0% | 86.7% | 84.5% | 90.8% | 94.3% | 93.5% | 71.3% | 68.5% | 77.1% | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 155M | 150M | 159M | 171M | 181M | 182M | 184M | 190M | 196M | 203M | 200M | 210M | 207M |
| EBIT | 9.0M | 8.9M | 6.3M | 7.6M | 13M | 8.4M | 8.8M | 7.2M | 5.9M | 6.5M | 10M | 13M | 11M |
| Op. Margin | 3.5% | 3.4% | 2.3% | 2.6% | 4.0% | 2.5% | 2.7% | 2.2% | 1.8% | 2.1% | 2.3% | 2.2% | 2.5% |
| Net Income | 52M | 58M | 58M | 52M | 81M | 80M | 77M | 89M | 85M | 9.5M | 71M | 161M | 167M |
| Net Margin | 20.2% | 22.1% | 21.5% | 17.5% | 24.6% | 23.9% | 23.4% | 27.7% | 25.7% | 3.1% | 16.3% | 27.8% | 37.3% |
| Non-Recurring | -6K | -11K | -7K | 30K | 3.0M | 98K | 3K | 21K | 105K | 0 | 0 | 188M | 188M |
| Returns on Capital | |||||||||||||
| ROIC | 10.6% | 11.2% | 10.7% | 9.0% | 13.4% | 12.5% | 11.1% | 12.3% | 12.6% | 1.5% | 10.3% | 19.5% | 17.7% |
| ROE | 10.9% | 11.5% | 11.0% | 9.2% | 13.6% | 12.6% | 11.1% | 12.3% | 12.6% | 1.5% | 10.3% | 19.5% | 17.7% |
| ROA | 1.0% | 1.1% | 1.0% | 0.8% | 1.2% | 1.2% | 1.1% | 1.1% | 1.1% | 0.1% | 0.9% | 1.9% | 1.9% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 78M | 83M | 91M | 86M | 107M | 102M | 101M | 121M | 103M | 89M | 95M | 39M | 90M |
| Free Cash Flow | 69M | 76M | 75M | 51M | 89M | 96M | 97M | 116M | 95M | 82M | 89M | 32M | 82M |
| Owner Earnings | 71M | 75M | 82M | 76M | 15M | 90M | 89M | 108M | 91M | 77M | 83M | 29M | -42M |
| CapEx | 9.0M | 6.3M | 16M | 35M | 18M | 6.0M | 4.6M | 4.7M | 8.2M | 6.8M | 6.2M | 6.9M | 7.9M |
| Maint. CapEx | 5.0M | 5.8M | 6.3M | 6.8M | 89M | 7.7M | 7.8M | 8.0M | 7.6M | 8.1M | 7.5M | 6.6M | 129M |
| Growth CapEx | 4.0M | 583K | 10M | 28M | 0 | 0 | 0 | 0 | 530K | 0 | 0 | 296K | 0 |
| D&A | 5.0M | 5.8M | 6.3M | 6.8M | 89M | 7.7M | 7.8M | 8.0M | 7.6M | 8.1M | 7.5M | 6.6M | 129M |
| CapEx/OCF | 11.6% | 7.7% | 17.9% | 41.0% | 16.9% | 5.9% | 4.5% | 3.9% | 7.9% | 7.6% | 6.5% | 17.8% | 8.8% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 24M | 25M | 27M | 28M | 30M | 31M | 31M | 32M | 34M | 35M | 35M | 36M | 37M |
| Dividend Yield | 4.9% | 4.4% | 3.5% | 2.9% | 3.1% | 3.2% | 3.8% | 3.3% | 3.5% | 4.5% | 4.7% | 3.9% | 2.5% |
| Share Buybacks | 4.6M | 3.5M | 1.2M | 0 | 2.4M | 30M | 9.4M | 24M | 15M | 8.7M | 0 | 1.6M | 1.6M |
| Buyback Yield | 0.8% | 0.6% | 0.1% | N/A | 0.3% | 2.8% | 1.1% | 2.3% | 1.6% | 1.1% | N/A | 0.2% | 0.1% |
| Stock-Based Comp | 1.5M | 1.9M | 2.3M | 3.0M | 3.5M | 4.2M | 4.7M | 5.1M | 4.3M | 4.1M | 4.6M | 3.5M | 3.4M |
| Debt Repayment | 315M | 273M | 412M | 564M | 520M | 945M | 468M | 158M | 269M | 140M | 617M | 593M | 593M |
| Balance Sheet | |||||||||||||
| Net Debt | -1.4B | -1.4B | -1.5B | -1.5B | -1.4B | -1.4B | -2.0B | -63M | -77M | -9.6M | -134M | -4.1M | -171M |
| Cash & Equiv. | 56M | 58M | 64M | 84M | 80M | 138M | 388M | 63M | 78M | 80M | 134M | 133M | 171M |
| Long-Term Debt | 14M | 14M | 16M | 9.0M | 4.0M | 4.0M | 0 | 0 | 0 | 0 | 0 | 0 | N/A |
| Debt/Equity | 0.15 | 0.03 | 0.03 | 0.02 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.05 | 0.00 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 90.6 |
| Equity | 488M | 515M | 548M | 575M | 619M | 662M | 716M | 728M | 616M | 669M | 713M | 938M | 947M |
| Total Assets | 5.3B | 5.7B | 6.2B | 6.6B | 6.8B | 6.7B | 7.6B | 7.8B | 7.7B | 7.8B | 8.1B | 8.7B | 8.7B |
| Total Liabilities | 4.8B | 5.2B | 5.7B | 6.1B | 6.1B | 6.1B | 6.9B | 7.1B | 7.1B | 7.1B | 7.4B | 7.7B | 7.7B |
| Intangibles | 15M | 12M | 11M | 9.3M | 7.6M | 6.2M | 4.9M | 3.6M | 2.7M | 2.3M | 2.2M | 1.7M | 1.8M |
| Retained Earnings | 165M | 197M | 230M | 265M | 319M | 370M | 418M | 475M | 527M | 502M | 537M | 662M | 679M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 3.48 | 3.87 | 3.91 | 3.43 | 5.35 | 5.37 | 5.20 | 6.05 | 5.89 | 0.66 | 4.97 | 11.24 | 11.59 |
| Owner EPS | 4.80 | 5.05 | 5.51 | 5.06 | 0.98 | 5.99 | 6.02 | 7.38 | 6.35 | 5.36 | 5.81 | 2.01 | -2.93 |
| Book Value | 32.96 | 34.61 | 36.67 | 38.15 | 40.92 | 44.19 | 48.54 | 49.65 | 42.79 | 46.63 | 50.05 | 65.48 | 65.65 |
| Cash Flow/Share | 5.24 | 5.56 | 6.08 | 5.71 | 7.09 | 6.79 | 6.87 | 8.27 | 7.18 | 6.21 | 6.66 | 2.71 | 20.55 |
| Dividends/Share | 1.62 | 1.70 | 1.77 | 1.82 | 1.94 | 2.02 | 2.10 | 2.19 | 2.31 | 2.40 | 2.44 | 3.13 | 2.55 |
| Shares Out. | 14.8M | 14.9M | 14.9M | 15.1M | 15.1M | 15.0M | 14.8M | 14.7M | 14.4M | 14.3M | 14.3M | 14.3M | 14.4M |
| Valuation | |||||||||||||
| P/E Ratio | 11.4 | 10.9 | 18.3 | 18.6 | 11.0 | 13.5 | 11.3 | 11.7 | 11.4 | 84.3 | 13.1 | 6.5 | 8.7 |
| P/FCF | 8.6 | 8.2 | 14.3 | 18.9 | 10.0 | 11.4 | 9.0 | 8.9 | 10.2 | 9.7 | 10.4 | 33.0 | 17.7 |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 115.5 |
| Price/Book | 1.2 | 1.2 | 1.9 | 1.7 | 1.4 | 1.6 | 1.2 | 1.4 | 1.6 | 1.2 | 1.3 | 1.1 | 1.5 |
| Price/Sales | 2.1 | 2.4 | 3.1 | 3.5 | 3.3 | 3.4 | 2.8 | 3.3 | 3.1 | 3.5 | 2.5 | 2.1 | 3.3 |
| FCF Yield | 11.7% | 12.2% | 7.0% | 5.3% | 10.0% | 8.8% | 11.1% | 11.1% | 9.8% | 10.3% | 9.6% | 3.0% | 5.6% |
| Market Cap | 587M | 625M | 1.1B | 959M | 894M | 1.1B | 869M | 1.0B | 973M | 801M | 925M | 1.1B | 1.5B |
| Avg. Price | 33.01 | 38.78 | 51.18 | 62.67 | 62.99 | 64.08 | 56.01 | 66.88 | 66.91 | 53.67 | 52.32 | 64.07 | 101.12 |
| Year-End Price | 39.61 | 42.03 | 71.37 | 63.64 | 59.08 | 72.46 | 58.90 | 70.98 | 67.37 | 55.65 | 64.88 | 73.52 | 101.12 |
TOMPKINS FINANCIAL CORP passes 6 of 9 quality checks, suggesting mixed fundamentals.
TOMPKINS FINANCIAL CORP trades at 9.0x trailing earnings, compared to its 15-year median P/E of 12.4x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 45.6x vs a median of 10.3x. The company's 5-year average ROIC is 11.2% with a gross margin of 81.0%. Total shareholder yield (dividends + buybacks) is 2.6%. At current prices, the estimated annualized return to fair value is -3.1%.
TOMPKINS FINANCIAL CORP (TMP) has a net profit margin of 27.8%. This is a strong margin indicating high profitability.
TOMPKINS FINANCIAL CORP (TMP) generated $32 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
TOMPKINS FINANCIAL CORP (TMP) has a debt-to-equity ratio of 0.05. This indicates a conservatively financed balance sheet.
TOMPKINS FINANCIAL CORP (TMP) reported earnings per share (EPS) of $11.24 in its most recent fiscal year.
TOMPKINS FINANCIAL CORP (TMP) has a return on equity (ROE) of 19.5%. This indicates the company generates strong returns for shareholders.
TOMPKINS FINANCIAL CORP (TMP) has a 5-year average gross margin of 81.0%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 17 years of financial data for TOMPKINS FINANCIAL CORP (TMP), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
TOMPKINS FINANCIAL CORP (TMP) has a book value per share of $65.48, based on its most recent annual SEC filing.