TOMPKINS FINANCIAL CORP (TMP) Stock Fundamental Analysis

NYSEARCA:TMP • US8901101092

83.79 USD
-0.75 (-0.89%)
At close: Feb 12, 2026
83.79 USD
0 (0%)
After Hours: 2/12/2026, 4:10:02 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Taking everything into account, TMP scores 4 out of 10 in our fundamental rating. TMP was compared to 381 industry peers in the Banks industry. TMP has a bad profitability rating. Also its financial health evaluation is rather negative. TMP has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • In the past year TMP was profitable.
  • In the past year TMP had a positive cash flow from operations.
  • In the past 5 years TMP has always been profitable.
  • Of the past 5 years TMP 4 years had a positive operating cash flow.
TMP Yearly Net Income VS EBIT VS OCF VS FCFTMP Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M

1.2 Ratios

  • The Return On Assets of TMP (1.00%) is comparable to the rest of the industry.
  • Looking at the Return On Equity, with a value of 10.71%, TMP is in the better half of the industry, outperforming 70.87% of the companies in the same industry.
Industry RankSector Rank
ROA 1%
ROE 10.71%
ROIC N/A
ROA(3y)0.95%
ROA(5y)1.02%
ROE(3y)9.5%
ROE(5y)10.89%
ROIC(3y)N/A
ROIC(5y)N/A
TMP Yearly ROA, ROE, ROICTMP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • TMP has a Profit Margin (25.69%) which is comparable to the rest of the industry.
  • TMP's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for TMP so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 25.69%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y9.46%
PM growth 5Y7.07%
GM growth 3YN/A
GM growth 5YN/A
TMP Yearly Profit, Operating, Gross MarginsTMP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • TMP does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for TMP remains at a similar level compared to 1 year ago.
  • Compared to 5 years ago, TMP has less shares outstanding
  • Compared to 1 year ago, TMP has a worse debt to assets ratio.
TMP Yearly Shares OutstandingTMP Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M
TMP Yearly Total Debt VS Total AssetsTMP Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B

2.2 Solvency

  • TMP has a debt to FCF ratio of 0.85. This is a very positive value and a sign of high solvency as it would only need 0.85 years to pay back of all of its debts.
  • TMP has a Debt to FCF ratio of 0.85. This is in the better half of the industry: TMP outperforms 70.87% of its industry peers.
  • TMP has a Debt/Equity ratio of 0.10. This is a healthy value indicating a solid balance between debt and equity.
  • With a decent Debt to Equity ratio value of 0.10, TMP is doing good in the industry, outperforming 67.19% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 0.85
Altman-Z N/A
ROIC/WACCN/A
WACC11%
TMP Yearly LT Debt VS Equity VS FCFTMP Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
TMP Yearly Current Assets VS Current LiabilitesTMP Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 126.67% over the past year.
  • The Earnings Per Share has been growing by 16.45% on average over the past years. This is quite good.
  • Looking at the last year, TMP shows a very strong growth in Revenue. The Revenue has grown by 49.25%.
  • TMP shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.34% yearly.
EPS 1Y (TTM)126.67%
EPS 3Y23.96%
EPS 5Y16.45%
EPS Q2Q%389.05%
Revenue 1Y (TTM)49.25%
Revenue growth 3Y13.15%
Revenue growth 5Y8.34%
Sales Q2Q%152.66%

3.2 Future

  • TMP is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -15.60% yearly.
  • Based on estimates for the next years, TMP will show a small growth in Revenue. The Revenue will grow by 4.20% on average per year.
EPS Next Y-34.34%
EPS Next 2Y-15.6%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year1.9%
Revenue Next 2Y4.2%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
TMP Yearly Revenue VS EstimatesTMP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M 400M
TMP Yearly EPS VS EstimatesTMP Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6 8 10

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5

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 7.47 indicates a rather cheap valuation of TMP.
  • TMP's Price/Earnings ratio is rather cheap when compared to the industry. TMP is cheaper than 94.23% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of TMP to the average of the S&P500 Index (28.18), we can say TMP is valued rather cheaply.
  • A Price/Forward Earnings ratio of 11.37 indicates a reasonable valuation of TMP.
  • The rest of the industry has a similar Price/Forward Earnings ratio as TMP.
  • TMP's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.01.
Industry RankSector Rank
PE 7.47
Fwd PE 11.37
TMP Price Earnings VS Forward Price EarningsTMP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of TMP is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 12.77
EV/EBITDA N/A
TMP Per share dataTMP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

4.3 Compensation for Growth

  • A cheap valuation may be justified as TMP's earnings are expected to decrease with -15.60% in the coming years.
PEG (NY)N/A
PEG (5Y)0.45
EPS Next 2Y-15.6%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. Dividend

5.1 Amount

  • TMP has a Yearly Dividend Yield of 3.17%.
  • TMP's Dividend Yield is a higher than the industry average which is at 2.53.
  • TMP's Dividend Yield is rather good when compared to the S&P500 average which is at 1.80.
Industry RankSector Rank
Dividend Yield 3.17%

5.2 History

  • The dividend of TMP has a limited annual growth rate of 3.77%.
  • TMP has been paying a dividend for at least 10 years, so it has a reliable track record.
  • TMP has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)3.77%
Div Incr Years25
Div Non Decr Years25
TMP Yearly Dividends per shareTMP Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2 2.5

5.3 Sustainability

  • TMP pays out 42.22% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP42.22%
EPS Next 2Y-15.6%
EPS Next 3YN/A
TMP Yearly Income VS Free CF VS DividendTMP Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M
TMP Dividend Payout.TMP Dividend Payout, showing the Payout Ratio.TMP Dividend Payout.PayoutRetained Earnings

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TOMPKINS FINANCIAL CORP

NYSEARCA:TMP (2/12/2026, 4:10:02 PM)

After market: 83.79 0 (0%)

83.79

-0.75 (-0.89%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-30
Earnings (Next)04-23
Inst Owners67.6%
Inst Owner Change-0.46%
Ins Owners2.22%
Ins Owner Change1.56%
Market Cap1.21B
Revenue(TTM)446.60M
Net Income(TTM)84.48M
Analysts76.67
Price Target82.62 (-1.4%)
Short Float %0.95%
Short Ratio2.21
Dividend
Industry RankSector Rank
Dividend Yield 3.17%
Yearly Dividend2.45
Dividend Growth(5Y)3.77%
DP42.22%
Div Incr Years25
Div Non Decr Years25
Ex-Date02-13
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.08%
Min EPS beat(2)-4.02%
Max EPS beat(2)3.86%
EPS beat(4)3
Avg EPS beat(4)5.22%
Min EPS beat(4)-4.02%
Max EPS beat(4)17.39%
EPS beat(8)6
Avg EPS beat(8)4.17%
EPS beat(12)7
Avg EPS beat(12)-1.61%
EPS beat(16)9
Avg EPS beat(16)-1.13%
Revenue beat(2)1
Avg Revenue beat(2)0.2%
Min Revenue beat(2)-0.49%
Max Revenue beat(2)0.89%
Revenue beat(4)3
Avg Revenue beat(4)1.11%
Min Revenue beat(4)-0.49%
Max Revenue beat(4)2.14%
Revenue beat(8)5
Avg Revenue beat(8)-0.64%
Revenue beat(12)5
Avg Revenue beat(12)-2.14%
Revenue beat(16)6
Avg Revenue beat(16)-1.7%
PT rev (1m)3.85%
PT rev (3m)1.25%
EPS NQ rev (1m)0%
EPS NQ rev (3m)11.67%
EPS NY rev (1m)0%
EPS NY rev (3m)4.98%
Revenue NQ rev (1m)61.71%
Revenue NQ rev (3m)57.05%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-6.25%
Valuation
Industry RankSector Rank
PE 7.47
Fwd PE 11.37
P/S 3.68
P/FCF 12.77
P/OCF 12.17
P/B 1.53
P/tB 1.74
EV/EBITDA N/A
EPS(TTM)11.22
EY13.39%
EPS(NY)7.37
Fwd EY8.79%
FCF(TTM)6.56
FCFY7.83%
OCF(TTM)6.88
OCFY8.21%
SpS22.79
BVpS54.66
TBVpS48.09
PEG (NY)N/A
PEG (5Y)0.45
Graham Number117.47
Profitability
Industry RankSector Rank
ROA 1%
ROE 10.71%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.69%
GM N/A
FCFM 28.8%
ROA(3y)0.95%
ROA(5y)1.02%
ROE(3y)9.5%
ROE(5y)10.89%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y9.46%
PM growth 5Y7.07%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 0.85
Debt/EBITDA N/A
Cap/Depr 51.74%
Cap/Sales 1.4%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 112.11%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC11%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)126.67%
EPS 3Y23.96%
EPS 5Y16.45%
EPS Q2Q%389.05%
EPS Next Y-34.34%
EPS Next 2Y-15.6%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)49.25%
Revenue growth 3Y13.15%
Revenue growth 5Y8.34%
Sales Q2Q%152.66%
Revenue Next Year1.9%
Revenue Next 2Y4.2%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y12%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y9.57%
OCF growth 3YN/A
OCF growth 5YN/A

TOMPKINS FINANCIAL CORP / TMP FAQ

What is the ChartMill fundamental rating of TOMPKINS FINANCIAL CORP (TMP) stock?

ChartMill assigns a fundamental rating of 4 / 10 to TMP.


What is the valuation status for TMP stock?

ChartMill assigns a valuation rating of 5 / 10 to TOMPKINS FINANCIAL CORP (TMP). This can be considered as Fairly Valued.


How profitable is TOMPKINS FINANCIAL CORP (TMP) stock?

TOMPKINS FINANCIAL CORP (TMP) has a profitability rating of 3 / 10.


What is the valuation of TOMPKINS FINANCIAL CORP based on its PE and PB ratios?

The Price/Earnings (PE) ratio for TOMPKINS FINANCIAL CORP (TMP) is 7.47 and the Price/Book (PB) ratio is 1.53.


Can you provide the financial health for TMP stock?

The financial health rating of TOMPKINS FINANCIAL CORP (TMP) is 3 / 10.