Tompkins Financial (TMP) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Tompkins Financial

NYSE American•Financial Services•Banks - Regional

$99.57+0.88(0.01%)Market closed

Market Cap

$1.39B

P/E

7.9x

P/S

2.4x

P/B

1.4x

Tompkins Financial Corporation, a financial holding company, provides commercial and consumer banking, leasing, trust and investment management, financial planning and wealth management, and insurance services. It operates through two segments: Banking, and Wealth Management. The company accepts various deposit products, including checking and savings accounts, time deposits, and IRA products. It 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; home equity loans; residential real estate loans; commercial and industrial loans; commercial real estate loans; agriculture loans; and consumer and other loans, such as direct and indirect personal installment loans, automobile financing, and overdraft lines of credit. In addition, the company provides letters of credit and sweep accounts; credit and debit cards; deposit and cash management, internet-based account, remote deposit, safe deposit, ATM, voice response, and mobile and internet banking services; trust and estate; financial and tax planning services; property and casualty, 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. Tompkins Financial Corporation was founded in 1836 and is headquartered in Ithaca, New York.

How this company scores

GoodMetricSide Score: 76/100

Strongest: Profitability (25/25); weakest: Balance Sheet & Red Flags (13/25).

Profitability25/25

Growth24/25

Balance Sheet & Red Flags13/25

Cash & Earnings Quality14/25

Strengths

Growing revenueStrong marginsHigh ROERising earnings

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 7.9x5y range 6.4x – 99.3x

Currently below its 20-quarter median.

P/S · 2.4x5y range 1.8x – 3.8x

Currently near its 20-quarter median.

P/B · 1.4x5y range 1.0x – 1.8x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

Some Concerns

Cash Burn

Watch

FCF turned negative in 2 of the last 8 quarters — occasional cash consumption.

Price & Volume

Market Cap $1.39B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $581.87M
Q. Revenue: $119.08M
TTM EBITDA: $252.61M
TTM Op. Income: $243.83M
Q. Op. Income: $38.55M
TTM Net Income: $175.30M
Q. Net Income: $29.30M
EPS: $2.06
Shares Out.: $14.22M

$581.87M in TTM revenue grew 28.2% YoY, reaching $119.08M last quarter. TTM EBITDA of $252.61M and TTM operating income of $243.83M show growth is flowing through to the bottom line. TTM net income of $175.30M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 73.2%
EBITDA Margin: 34.3%
Op. Margin: 32.4%
Net Margin: 24.6%

Op. margin of 32.4% is up 8.1% YoY — cost efficiency is improving. Net margin at 24.6% and gross margin of 73.2% show how much of each revenue dollar survives to profit. Over the past year, operating margin is up 33% — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 7.9x
P/S Ratio: 2.4x
P/B Ratio: 1.4x

At 7.9x P/E, the stock trades below typical market levels. P/S of 2.4x and P/B of 1.4x provide additional context. P/E sits below typical market levels while revenue is growing. Across the last 8 quarters, P/E has risen for 2 consecutive quarters — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $8.80B
Cash: $147.76M
Long-Term Debt: $546.36M
Book Value: $959.93M
D/E Ratio: 0.6
Debt/EBITDA: 13.4

With $8.80B in assets and $546.36M in long-term debt, D/E is 0.6and book value is $959.93M — a conservative capital structure with a cushion to weather downturns. Over the past year, debt/equity is down 36% — a weakening trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $-15.11M
TTM Free Cash Flow: $46.78M
FCF Margin: 8.0%
FCF / Net Income: 0.3

TTM FCF of $46.78M on $-15.11M in operating cash flow. The FCF / Net Income ratio of 0.3x means cash covers only part of net income — earnings quality needs attention. Over the past year, free cash flow is down 41% — a weakening trend.