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TMPTompkins Financial Corporation
$93.53$1.3B
Overview & Verdict
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TMP logoTompkins Financial Corporation(TMP)Earnings, Financials & Key Ratios

TMP•AMEX•Banking & Credit
$93.53
8.3× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryBanks with large fee businesses
AboutTompkins Financial Corporation, a financial holding company, provides commercial and consumer banking, leasing, trust and investment management, financial planning and wealth management, and insurance services. The company operates in three segments: Banking, Insurance, and Wealth Management. It accepts various deposit products, including checking accounts, savings accounts, time deposits, and IRA products, as well as brokered, reciprocal, and municipal money market deposits. The company also offers loans for various business purposes, including real estate financing, construction, equipment financing, accounts receivable financing, and commercial leasing; residential mortgage loans; personal loans; residential real estate loans; home equity loans; commercial and industrial loans; commercial real estate loans; agriculture loans; and consumer loans, such as personal installment loans, direct and indirect automobile financing, and overdraft lines of credit. In addition, it provides letters of credit and sweep accounts; credit and debit cards; and deposit and cash management, internet-based account, remote deposit, safe deposit, voice response, ATM, and mobile and internet banking services. Further, the company offers investment management, trust and estate, and financial and tax planning services; property and casualty, medical, life, disability, and long-term care insurance services; employee benefit consulting services; and insurance planning services. It primarily serves individuals, corporate executives, small business owners, and high net worth individuals. The company operates through a network of 63 banking offices, including 43 offices in New York and 20 offices in Pennsylvania. Tompkins Financial Corporation was founded in 1836 and is headquartered in Ithaca, New York.Show more
  • Net Interest Income$250M+18.3%
  • Total Revenue$579M+34.1%
  • Net Income$161M+127.3%
  • Return on Equity19.5%+90.4%
  • Net Interest Margin2.88%+10.7%
  • Efficiency Ratio36.31%-19.9%
  • ROA1.92%+115.8%
  • Equity / Assets10.83%+23.0%
  • Book Value per Share65.46+30.9%

TMP Price & Volume

Tompkins Financial Corporation (TMP) stock price & volume — 10-year historical chart

Loading chart...

Operational Efficiency Gains Drive Sustainable Margin Expansion

Investment Thesis • Updated 2026Q1

VerdictPositive
Growth:Accelerating
Profitability:Strong
Financial:Fortress
Cash Flow:Robust
Primary Risk:Regional economic concentration

Key Thesis Takeaways

  • Tompkins Financial Corporation demonstrates a disciplined growth trajectory, evidenced by net interest income rising from $50.7 million in 2024Q1 to $71.9 million by 2026Q1.
  • The bank's strategic focus on diversifying revenue through wealth management and insurance segments, which contributed to a peak non-interest income of $125.8 million in 2025Q4, provides a resilient buffer against interest rate volatility.
  • Investors should monitor the bank's regional economic concentration and the sustainability of its 0.8% net interest margin as it navigates shifting credit cycles.

Verdict Logic

the company exhibits a compelling valuation profile with a PEG ratio of 0.50 and a consistent upward trend in net interest income, which grew 26.8% year-over-year as of 2026Q1.

TMP Growth Metrics

Tompkins Financial Corporation (TMP) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years8.42%
5 Years12.25%
3 Years21.26%
TTM-

Profit CAGR

10 Years10.67%
5 Years15.73%
3 Years23.73%
TTM127.36%

EPS CAGR

10 Years11.25%
5 Years16.67%
3 Years24.04%
TTM127.04%

Return on Capital

10 Years7.41%
5 Years10.19%
3 Years9.03%
Last Year17.34%

TMP Recent Earnings

Tompkins Financial Corporation (TMP) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 8/12 qtrs (67%)●Beat Revenue 6/12 qtrs (50%)
Q2 2026Latest
Apr 24, 2026
Metric
Actual
Est
EPS
$1.82+6.4%
$1.71
Rev
$84M+0.1%
$84M
Q1 2026
Jan 30, 2026
Metric
Actual
Est
EPS
$1.78+1.1%
$1.76
Rev
$195M+43.1%
$136M
Q4 2025
Oct 24, 2025
Metric
Actual
Est
EPS
$1.65-2.9%
$1.70
Rev
$87M+0.9%
$87M
Q3 2025
Jul 25, 2025
Metric
Actual
Est
EPS
$1.50+4.9%
$1.43
Rev
$83M-3.3%
$86M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 24, 2026
$1.82vs $1.71+6.4%
$84Mvs $84M+0.1%
Q1 2026Jan 30, 2026
$1.78vs $1.76+1.1%
$195Mvs $136M+43.1%
Q4 2025Oct 24, 2025
$1.65vs $1.70-2.9%
$87Mvs $87M+0.9%
Q3 2025Jul 25, 2025
$1.50vs $1.43+4.9%
$83Mvs $86M-3.3%
Based on last 12 quarters of dataView full earnings history →

Latest TMP News

Recent stock market news and headlines for Tompkins Financial Corporation (TMP)

Zacks Investment Research·1 day ago
Why Tompkins Financial (TMP) is a Top Dividend Stock for Your Portfolio

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Tompkins (TMP) have what it takes?

Zacks Investment Research·Jun 17, 2026
Tompkins Financial (TMP) is a Top Dividend Stock Right Now: Should You Buy?

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Tompkins (TMP) have what it takes?

Peers Comparison

Key metrics vs top competitors for Tompkins Financial Corporation (TMP)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
TMP logoTMPTompkins Financial CorporationCurrent
$93.53$1.35B8.3234.12%27.82%19.5%2.69%
CZWI logoCZWICitizens Community Bancorp, Inc.
$23.29$224.61M15.95-9.41%16.49%8%—
NBTB logoNBTBNBT Bancorp Inc.
$49.63$2.58B14.9010.36%19.66%9.83%—
CNOB logoCNOBConnectOne Bancorp, Inc.
$32.20$1.62B21.7613.44%13.35%6.32%—
TRST logoTRSTTrustCo Bank Corp NY
$54.71$956.05M16.835.77%22.43%9.21%—
FISI logoFISIFinancial Institutions, Inc.
$38.51$758.12M10.6743.07%20.88%12.72%—

Compare TMP vs Peers

Tompkins Financial Corporation (TMP) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs CZWI

Most directly comparable listed peer for TMP.

Scale Benchmark

vs ICE

Larger-name benchmark to compare TMP against a more recognizable public peer.

Peer Set

Compare Top 5

vs CZWI, NBTB, CNOB, TRST

TMP SEC Filings & Documents

Tompkins Financial Corporation (TMP) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

May 26, 2026·SEC

Material company update

May 19, 2026·SEC

Material company update

Apr 27, 2026·SEC

10-K Annual Reports

2
FY 2026

Feb 26, 2026·SEC

FY 2025

Feb 28, 2025·SEC

10-Q Quarterly Reports

6
FY 2026

May 5, 2026·SEC

FY 2025

Oct 28, 2025·SEC

FY 2025

Aug 5, 2025·SEC

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TMP Frequently Asked Questions

Tompkins Financial Corporation (TMP) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Tompkins Financial Corporation growing?

Tompkins Financial Corporation (TMP) grew revenue by 34.1% over the past year. This is strong growth.

Is TMP profitable?

Yes, Tompkins Financial Corporation (TMP) is profitable, generating $167.5M in net income for fiscal year 2025 (27.8% net margin).

Dividend & Returns
Does TMP pay dividends?

Yes, Tompkins Financial Corporation (TMP) pays a dividend with a yield of 2.69%. This makes it attractive for income-focused investors.

What is TMP's return on equity?

Tompkins Financial Corporation (TMP) has a return on equity (ROE) of 19.5%. This is reasonable for most industries.

Industry Metrics
What is Tompkins Financial Corporation's net interest margin?

Tompkins Financial Corporation (TMP) has a net interest margin (NIM) of 2.9%. NIM has been under pressure due to interest rate environment.

What is Tompkins Financial Corporation's efficiency ratio?

Tompkins Financial Corporation (TMP) has an efficiency ratio of 36.3%. This is excellent, indicating strong cost control.

What if you invested $1,000 in TMP back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →