Tompkins Financial Corporation (TMP)
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Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 99.80 $ — 96% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/03/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
Quality & Screener
AI Rating
–Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built
Growth Score
5 of 10 Solid growthTen checks against the annual reports — each one passed counts a point.
- Revenue grows by more than 15% a year over three years 21.3% passed
- More than 10% revenue growth is expected for the coming year 8.1% failed
- Share count grows by less than 3% a year -0.2% passed
- Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 39.6% failed
- Gross margin at 40% or higher and without meaningful erosion 75.2% failed
- Goodwill from acquisitions does not grow faster than revenue 0.8% passed
- Net debt below twice EBITDA 448 m net cash passed
- Operating cash flow covers the profits of the last three years -19 m failed
- Return on capital at 15% or higher, or up versus two years ago 18.1% passed
- Insiders hold at least 10% or are net buyers 6.5% failed
A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail
Analysts & Price Target
The price target sits 3.8% below the current price.
- Consensus
- Hold
- Analyst Ratings
- 2
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 7.88 | 7.88 – 7.88 | 352 | 24.9% | 1 |
| 12/31/2027 | 8.27 | 8.10 – 8.44 | 380 | 5.0% | 2 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Next Reporting Date
- Expected Earnings per Share
- 1.99 $
Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
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· Total · per year
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The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 1.37 | 30.40 | 110 | 11.50 | 17.90 | 23 | 22 |
| 2025: Q1 | 1.37 | 16.00 | 115 | 8.70 | 17.20 | 22 | 21 |
| 2025: Q2 | 1.50 | 36.20 | 116 | 8.50 | 18.50 | 19 | 18 |
| 2025: Q3 | 1.65 | 26.40 | 122 | 9.10 | 19.50 | 35 | 34 |
| 2025: Q4 | 6.70 | 388.10 | 227 | 106.20 | 42.50 | -37 | -41 |
| 2026: Q1 | 1.82 | 32.40 | 115 | 0.00 | 22.80 | 73 | 71 |
| 2026: Q2 | 2.04 | 36.00 | – | – | – | -15 | -17 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Annual Figures
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2016 | 269 | 87 | 59 | 3.97 | 91 | 549 | 6,237 |
| 2017 | 293 | 95 | 52 | 3.48 | 86 | 576 | 6,648 |
| 2018 | 323 | 104 | 82 | 5.44 | 107 | 621 | 6,758 |
| 2019 | 334 | 103 | 82 | 5.46 | 102 | 663 | 6,726 |
| 2020 | 325 | 98 | 78 | 5.26 | 101 | 7,344 | 7,622 |
| 2021 | 317 | 115 | 89 | 6.09 | 121 | 729 | 7,820 |
| 2022 | 325 | 110 | 85 | 5.90 | 103 | 616 | 7,671 |
| 2023 | 297 | 12 | 10 | 0.66 | 89 | 669 | 7,820 |
| 2024 | 432 | 93 | 71 | 4.97 | 95 | 713 | 8,109 |
| 2025 | 579 | 225 | 161 | 11.24 | 39 | 938 | 8,668 |
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
About the Company
Tompkins Financial Corporation, eine Finanzholding, bietet Geschäfts- und Privatkundenbankgeschäft, Leasing, Treuhand- und Anlagenverwaltung, Finanzplanung und Vermögensverwaltung sowie Versicherungsdienstleistungen an. Es ist in zwei Segmenten tätig: Banking und Wealth Management.
| Employees | 813 |
|---|---|
| Headquarters | Ithaca, NY |
| Address | 118 East Seneca Street, 14851 Ithaca, United States |
| Phone | 888 503 5753 |
| Website | tompkinsfinancial.com |
| IPO Date | 28. Mar 1990 |
| ISIN | US8901101092 |
| Stock Split | 11:10 on 02/03/2010 |
Management
| Name | Title | Birth Year |
|---|---|---|
| Stephen S. Romaine | President, CEO & Director | 1965 |
| Alyssa H. Fontaine | Executive VP, General Counsel, Secretary & Chief Risk Officer | 1981 |
| David M. DeMilia | Executive Vice President | 1976 |
| David K Kershaw | Senior Vice President of Finance & Accounting and Chief Accounting Officer | 1968 |
| Bradley G. James | Senior VP & CTO | – |
| Janet L. Hewitt | Assistant VP and Corporate Administrative & Investor Relations Officer | – |
| Richard M. Dolge | Senior Vice President | – |
| Ginger G. Kunkel | Executive Vice President | 1971 |
| Johanna B. Anderson | Executive Vice President | 1980 |
| Charles J. Guarino | Senior VP & Chief Banking Operations Officer | 1976 |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Insider Transactions
| Date | Person | Role | Type | Shares | Price | Value |
|---|---|---|---|---|---|---|
| 28. Jul 2026 | Romaine Stephen S | President & CEO | Other | 1,530 | 101.25 | 154,913 |
| 28. Jul 2026 | Romaine Stephen S | President & CEO | Other | 1,734 | 76.90 | 133,345 |
| 27. Jul 2026 | Torcello Diane D | EVP & President, Tompkins WNY | Other | 214 | 99.68 | 21,332 |
| 27. Jul 2026 | Torcello Diane D | EVP & President, Tompkins WNY | Other | 250 | 76.90 | 19,225 |
Reportable transactions by officers and major shareholders from SEC Form 4 filings. "Other" includes things like stock grants and option exercises without a buy/sell character.
View all insider transactions →Chart
Interactive price chart (TradingView).
Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.