Tompkins Financial Corporation (TMP) Stock

Tompkins Financial Corporation (TMP) is a Financials stock trading at $97.86 (as of 2026-08-21), with a market capitalization of $1.41B and a trailing P/E of 14.0. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Tompkins Financial Corporation is a financial holding company offering commercial and consumer banking, leasing, trust and investment management, financial planning, wealth management, and insurance services. It operates across Banking, Insurance, and Wealth Management and provides deposit, lending, and related banking services, along with insurance and wealth management.

Understand Tompkins Financial Corporation: how it makes money

Tompkins Financial Corporation is a financial holding company that makes money by taking deposits and issuing loans, and also by providing banking, leasing, trust and investment management, financial planning and wealth management, and insurance services.

Because it accepts deposits and makes loans, the profit model is driven by how efficiently deposits are deployed into lending (Loan to Deposit Ratio), and by the level of credit stress captured in Special Mention and Substandard Loans and Leases (with Partial Charge-off Amount indicating realized credit losses).

Business quality (Solid): Focused on core banking plus wealth and insurance services, and the latest operating indicators point to deposit funding being largely applied to loans, with limited observed charge-offs but some special mention and substandard exposure.

Valuation: At 7× earnings, TMP trades 42% below the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

  • Strong linkage between deposits and lending: Loan to Deposit Ratio is 91.8 percent, suggesting most deposit funding is being used to support the loan portfolio.
  • No partial charge-offs reported in the latest quarter: Partial Charge-off Amount is 0.0 USD_B for the period shown.
  • Multiple sources of financial services income: The company provides commercial and consumer banking, leasing, trust and investment management, financial planning and wealth management, and insurance services (operating through Banking, Insurance, and Wealth Management).

Bear case

  • Credit watch list exists: Special Mention and Substandard Loans and Leases is 0.13 USD_B, indicating some portion of the portfolio is not performing at best quality.
  • Liquidity and funding balance may be a continual constraint: With a Loan to Deposit Ratio of 91.8 percent, changes in deposits or loan demand could pressure funding flexibility.
Valuation — source: SEC EDGAR (first-party)
Price$97.86
Market Cap$1.41B
P/E Ratio14.0
EV / EBITDA9.5
Price / Book1.47
Price / Sales3.52
FCF Yield7.5%
DCF Value (model)$203.22
DCF Upside vs Price107.7%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$75.74M
Net Margin212.7%
Revenue Growth (YoY)13.1%
EPS Growth (YoY)36.4%
FCF Growth (YoY)-193.7%
Valuation vs Sector & Industry
Stock P/E14.0
Sector P/E (Financials)15.1
Industry P/E (Banking)12.9
vs Sector-7.5%
vs Industry8.4%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderBlackRock, Inc. ($157.86M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEOStephen S. Romaine
Employees941
CountryUS
IPO Date1986-06-02

Related Companies (Business model: Universal / Commercial Bank; 8 closest by market cap; US-domiciled)

  • Origin Bancorp, Inc. (OBK)
  • Lakeland Financial Corporation (LKFN)
  • Amalgamated Financial Corp. (AMAL)
  • Peoples Bancorp Inc. (PEBO)
  • Community Trust Bancorp, Inc. (CTBI)
  • First Mid Bancshares, Inc. (FMBH)
  • HBT Financial, Inc. (HBT)
  • Old Second Bancorp, Inc. (OSBC)
TMP earnings history · TMP institutional & insider holders · TMP KPIs & operating metrics · TMP financials · TMP investor presentations & press releases · TMP SEC filings · TMP peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-21.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.