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TOMPKINS FINANCIAL CORP

TMPNYSE AMERICAN
πŸ† #2147 by market capEarnings Jan 28US Equity
$101.43β–² $0.74 (+0.73%)
Market closed Β· at close
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24hβ–² 0.7%
7dβ–² 0.2%
14dβ–² 4.3%
30dβ–² 5.0%
ytdβ–² 40.5%
1yβ–² 59.0%
🏦Market Cap
$1.45B
Small Cap
πŸ“ˆRevenue Growth (YoY)
16.2%
Healthy
πŸ“ŠGross Margin
β€”
πŸ’΅FCF Margin
29.1%
Strong
βš–οΈP/S Ratio
3.5x
Fair
Otter Score
β€”
Insufficient data

Trading Snapshot

Day Range
$101.22 – $102.12
52-Week Range
$62.98 – $104.18
Volume (shares)
4,438
Avg Volume (shares)
β€”
Shares Outstanding
14.3M
Next Earnings
2027-01-28

Fundamentals Snapshot

Annual Revenue
$579M
Last Q Revenue
$122M
P/E Ratio
8.4
P/S Ratio
3.5x
EPS (TTM)
$12.22
Dividend Yield
2.56%
Dilution (1yr)
+0.3%
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TOMPKINS FINANCIAL CORP

TMP
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$579Mβ–² +34.1% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
75.1%β–² +12.4% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$225Mβ–² +141.8% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$32Mβ–Ό βˆ’64.0% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
14.4Mβ–² +0.3% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$527Mβ–² +$129M YoY
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About TOMPKINS FINANCIAL CORP

Tompkins Financial Corporation functions as a financial holding entity, offering a comprehensive array of services that include commercial and retail banking, leasing, trust and investment management, financial planning, wealth management, and insurance solutions. Its operations are strategically divided into three main segments: Banking, Insurance, and Wealth Management. The corporation provides a diverse selection of deposit products, such as checking, savings, and time accounts, alongside IRA options, and specialized brokered, reciprocal, and municipal money market deposits. It also extends a wide range of lending solutions. For businesses, these include financing for real estate, construction, and equipment, accounts receivable funding, and commercial leasing. For individuals and businesses alike, it offers residential mortgages, personal loans, home equity loans, commercial and industrial loans, commercial real estate loans, and agricultural loans. Consumer-specific financing encompasses personal installment loans, direct and indirect automobile loans, and overdraft lines of credit. Additional services provided include letters of credit and sweep accounts, credit and debit cards, and modern banking conveniences such as deposit and cash management, internet and mobile banking platforms, remote deposit capture, safe deposit boxes, voice response systems, and ATM access. Beyond banking, Tompkins Financial delivers investment management, trust and estate administration, and financial and tax planning services. Its insurance offerings span property and casualty, medical, life, disability, and long-term care policies, further enhanced by employee benefit consulting and general insurance planning. The company primarily serves a varied clientele, including individual consumers, corporate executives, small business owners, and high-net-worth individuals. Tompkins Financial operates through a network of 63 banking branches, with 43 situated in New York and 20 in Pennsylvania. Founded in 1836, the corporation is headquartered in Ithaca, New York.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)

Insufficient data for all five components.

πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Insufficient data
β€”/100

Analyst Ratings

β“˜
Consensus
Buy
6 analysts
Strong Buy1
Buy3
Hold2
Sell0
Strong Sell0
Ratings as of Oct 2026

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