TMP Stock Analysis: Tompkins Financial | AMEX
Banks - Regional | AMEX, USA | Market Cap: 1.412m USD | 12M Return: 50.5% | US8901101092 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 10.9M
EPS Trend: 96.7%
Qual. Beats: 1
Rev. Trend: 93.8%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
The company functions as a relationship-driven community bank, accepting deposits such as checking, savings, time deposits, and IRAs, while originating a broad loan portfolio spanning commercial real estate, construction, equipment financing, residential mortgages, agriculture, and consumer credit. It complements these core lending activities with treasury and digital banking services, wealth and estate planning, property/casualty and life insurance, and employee benefit consulting.
As a regional bank under the Financials sector, Tompkins operates within a defined geographic footprint, primarily upstate New York, where its holding-company structure allows it to bundle traditional banking with fee-generating wealth and insurance businesses. This diversification across interest-based and fee-based income streams is a common strategy among regional banks seeking to reduce dependence on net interest margin cycles.
- Net interest margin compresses as Fed cuts rates
- Commercial real estate loan portfolio faces credit headwinds
- Wealth Management fees rise with AUM market appreciation
| Net Income: 175.3m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.49 > 1.0 |
| NWC/Revenue: -1.57k% < 20% (prev -1.21k%; Δ -359.6% < -1%) |
| CFO/TA 0.01 > 3% & CFO 56.0m > Net Income 175.3m |
| Net Debt (656.4m) to EBITDA (174.7m): 3.76 < 3 |
| Current Ratio: 0.01 > 1.5 & < 3 |
| Outstanding Shares: last quarter (14.3m) vs 12m ago 0.05% < -2% |
| Gross Margin: 72.60% > 18% (prev 67.34%; Δ 5.26% > 0.5%) |
| Asset Turnover: 5.70% > 50% (prev 5.40%; Δ 0.30% > 0%) |
| Interest Coverage Ratio: 1.33 > 6 (EBIT TTM 170.8m / Interest Expense TTM 128.8m) |
| A: -0.87 (Total Current Assets 71.7m - Total Current Liabilities 7.76b) / Total Assets 8.80b |
| B: 0.08 (Retained Earnings 698.2m / Total Assets 8.80b) |
| C: 0.02 (EBIT TTM 170.8m / Avg Total Assets 8.59b) |
| D: 0.12 (Book Value of Equity 959.9m / Total Liabilities 7.84b) |
| Altman-Z'' = -5.21 = D |
As of September 27, 2026, the stock is trading at USD 99.57 with a total of 136,524 shares traded. Over the past week, the price has changed by +0.23%, over one month by +1.91%, over three months by +7.47% and over the past year by +50.54%.
Current recommended Stop Loss: 94.30 (which is 5.3% or 2.3 ATR below the current price).
Tompkins Financial has received a consensus analysts rating of 3.50. Therefore, it is recommended to hold TMP.
- StrongBuy: 0
- Buy: 1
- Hold: 1
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 104.5 | 5% |
P/E Trailing = 7.9081
P/E Forward = 12.8535
P/S = 3.1606
P/B = 1.4487
P/EG = 1.6064
Revenue TTM = 489.4m USD
EBIT TTM = 170.8m USD
EBITDA TTM = 174.7m USD
Long Term Debt = 546.4m USD (from longTermDebt, last quarter)
Short Term Debt = 728.1m USD (from shortTermDebt, last quarter)
Debt = 728.1m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 656.4m USD (calculated: Debt 728.1m - CCE 71.7m)
Enterprise Value = 2.07b USD (1.41b + Debt 728.1m - CCE 71.7m)
Interest Coverage Ratio = 1.33 (Ebit TTM 170.8m / Interest Expense TTM 128.8m)
EV/FCF = 40.04x (Enterprise Value 2.07b / FCF TTM 51.7m)
FCF Yield = 2.50% (FCF TTM 51.7m / Enterprise Value 2.07b)
FCF Margin = 10.55% (FCF TTM 51.7m / Revenue TTM 489.4m)
Net Margin = 35.82% (Net Income TTM 175.3m / Revenue TTM 489.4m)
Gross Margin = 72.60% ((Revenue TTM 489.4m - Cost of Revenue TTM 134.1m) / Revenue TTM)
Gross Margin QoQ = -21.48% (prev 71.78%)
Tobins Q-Ratio = 0.23 (Enterprise Value 2.07b / Total Assets 8.80b)
Interest Expense / Debt = 17.69% (Interest Expense 128.8m / Debt 728.1m)
Taxrate = 28.11% (68.5m / 243.8m)
NOPAT = 122.8m (EBIT 170.8m * (1 - 28.11%))
Current Ratio = 0.01 (Total Current Assets 71.7m / Total Current Liabilities 7.76b)
Debt / Equity = 0.76 (Debt 728.1m / totalStockholderEquity, last quarter 959.9m)
Debt / EBITDA = 3.76 (Net Debt 656.4m / EBITDA 174.7m)
Debt / FCF = 12.71 (Net Debt 656.4m / FCF TTM 51.7m)
Total Stockholder Equity = 908.5m (last 4 quarters mean from totalStockholderEquity)
RoA = 2.04% (Net Income 175.3m / Total Assets 8.80b)
RoE = 19.30% (Net Income TTM 175.3m / Total Stockholder Equity 908.5m)
RoCE = 11.74% (EBIT 170.8m / Capital Employed (Equity 908.5m + L.T.Debt 546.4m))
RoIC = 7.03% (NOPAT 122.8m / Invested Capital 1.75b)
WACC = 9.72% (E(1.41b)/V(2.14b) * Re(8.17%) + D(728.1m)/V(2.14b) * Rd(17.69%) * (1-Tc(0.28)))
Discount Rate = 8.17% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 83.94 | Cagr: 0.27%
[DCF] Terminal Value 68.16% ; FCFF base≈66.9m ; Y1≈58.7m ; Y5≈47.4m
[DCF] Fair Price = N/A (negative equity: EV 621.6m - Net Debt 656.4m = -34.8m; debt exceeds intrinsic value)
EPS Correlation: 96.74 | EPS CAGR: 25.49% | SUE: 2.85 | # QB: 1
Revenue Correlation: 93.77 | Revenue CAGR: 27.62% | SUE: -0.79 | # QB: 0
EPS current Quarter (2026-09-30): EPS=1.95 | Chg30d=+2.36% | Revisions=+0% | Analysts=2
EPS current Year (2026-12-31): EPS=7.82 | Chg30d=+3.85% | Revisions=+40% | GrowthEPS=+23.8% | GrowthRev=-21.3%
EPS next Year (2027-12-31): EPS=8.32 | Chg30d=+2.09% | Revisions=+40% | GrowthEPS=+6.5% | GrowthRev=+8.0%
[Analyst] Revisions Ratio: +44% (up=5, down=1)