Stock AnalizTompkins Financial Corp. TMP
Major Banks · IPO 1997 · data as of November 13, 2026
Tompkins Financial Corp. (TMP) is a financial company listed in the US with a market value of about $1.4B. In the twelve months to September 30, 2026 it had revenue of $455M and net income of $180M, a net margin of 39.6%.
Its overall Stock Analiz score is 3.6 out of 5 (good). The strongest part is future growth (4/5); the weakest is value (3/5).
Key numbers: a P/E of 8.0, a price to free cash flow of 29.0, 5-year revenue growth of 8% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 50% below the current price.
Score: 3.6 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- PEG below 1.5
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- Profit margin improving
- Strong R&D investment or growth above 20%
- 5-year EPS growth above 10% a year
Checks not passed
- P/FCF below 20
- Price below intrinsic value (DCF, moderate assumptions)
- 3-year free cash flow growth above 10% a year
- 5-year average ROIC above 12%
- Interest covered more than 5 times
- Liabilities below 60% of assets
- Share count down over 3 years (buybacks)
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $455M | $447M | $299M | $220M | $308M | $303M | $299M | $286M | $289M | $271M | $249M |
| Net income | $180M | $161M | $71M | $10M | $85M | $89M | $78M | $82M | $82M | $52M | $59M |
| Free cash flow | $50M | $32M | $89M | $82M | $95M | $116M | $97M | $96M | $89M | $51M | $75M |
| EPS (diluted) | $12.58 | $11.24 | $4.97 | $0.66 | $5.89 | $6.05 | $5.20 | $5.37 | $5.35 | $3.43 | $3.91 |
| Net margin | 39.6% | 36.1% | 23.7% | 4.3% | 27.6% | 29.5% | 25.9% | 28.6% | 28.5% | 19.4% | 23.8% |
| ROIC | — | — | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 2 analysts is $105.50, 5% above the current price; targets range from $104.00 to $107.00; the consensus rating is “Buy”; expected EPS is $7.91 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Tompkins Financial’s P/E ratio?
About 8.0, based on the last twelve months of diluted earnings per share (forward P/E about 12.2).
Is Tompkins Financial stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 50% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Tompkins Financial pay a dividend?
Yes. The dividend yield is about 2.95%, and it has paid dividends for 10 years in our data.
Is Tompkins Financial a good stock to buy?
We do not give buy or sell advice. Tompkins Financial scores 3.6 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
Similar companies
Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.