Tompkins Financial (TMP) Stock Price

Tompkins Financial Price

NYSE AMEX·CLOSED
99.84USD+0.47 (+0.47 %)
Market closed

Over the last 19 years Tompkins Financial grew revenue by 7.5% annually, reaching 446.60 M USD. Earnings per share have grown at 8.1% per year over the last 19 years. For Tompkins Financial, the net margin of 36.1% is up versus 29.8% a few years ago. At today's price the dividend yield works out to roughly 2.51%. The payout ratio is around 22% of earnings. The dividend has grown at 4.0% per year over the past 19 years. The consensus 12-month price target for Tompkins Financial is 86.19 USD, about 13.7% below where the stock trades today. Of 6 analysts, 4 rate the stock a buy — an overall Buy consensus. Tompkins Financial's share price has gained 57.7% over the last twelve months. The stock trades about 61% above its 52-week low.

Tompkins Financial stock price

Volume
Ex-Dividend
Details

Stock Price

ⓘ

How to Read This Chart

This chart tracks the historical stock price of Tompkins Financial over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.

Total Return vs. Price Return

The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.

Intraday Price Data

When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how Tompkins Financial stock reacts to market openings, earnings releases, or breaking news throughout the trading session.

What to Look For

Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing Tompkins Financial's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.

Tompkins Financial Stock Price History
DateTompkins Financial Price
7/31/202699.84 USD
7/30/202699.37 USD
7/29/2026100.36 USD
7/27/2026100.01 USD
7/23/202692.65 USD
7/22/202693.09 USD
7/21/202694.33 USD
7/20/202693.31 USD
7/17/202694.04 USD
7/16/202695.30 USD
7/15/202692.93 USD
7/14/202691.28 USD
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7/10/202691.48 USD
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7/2/202694.54 USD
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6/30/202694.52 USD
6/29/202693.40 USD
6/26/202694.19 USD
6/25/202693.30 USD
6/24/202692.94 USD
6/23/202691.92 USD
6/22/202690.75 USD
6/18/202689.02 USD
6/17/202689.51 USD
6/16/202690.57 USD
6/15/202691.60 USD
6/12/202691.78 USD
6/11/202690.10 USD
6/10/202690.19 USD
6/9/202689.48 USD
6/8/202687.92 USD
6/5/202686.71 USD
6/4/202685.76 USD
6/3/202684.24 USD
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6/1/202684.72 USD
5/29/202686.57 USD
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4/27/202684.19 USD
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4/7/202681.01 USD
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4/1/202679.08 USD
3/31/202678.84 USD
3/30/202676.96 USD
3/27/202676.46 USD
3/26/202677.18 USD
3/25/202677.11 USD
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3/20/202673.93 USD
3/19/202674.30 USD
3/18/202674.30 USD
3/17/202673.76 USD
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3/13/202674.00 USD
3/12/202674.40 USD
3/11/202674.36 USD
3/10/202675.24 USD
3/9/202674.65 USD
3/6/202675.10 USD
3/5/202677.42 USD
3/4/202678.84 USD
3/3/202677.85 USD
3/2/202678.43 USD
2/27/202676.71 USD
2/26/202680.39 USD
2/25/202681.00 USD
2/24/202678.91 USD
2/23/202678.99 USD
2/20/202683.00 USD
2/19/202681.93 USD
2/18/202682.78 USD
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2/13/202682.76 USD
2/12/202683.79 USD
2/11/202684.54 USD
2/10/202685.31 USD
2/9/202685.18 USD
2/6/202684.34 USD
2/5/202684.51 USD
2/4/202683.38 USD
2/3/202683.13 USD
2/2/202681.12 USD
1/30/202680.12 USD
1/29/202676.73 USD
1/28/202675.07 USD
1/27/202675.91 USD
1/26/202676.14 USD
1/23/202675.37 USD
1/22/202679.07 USD
1/21/202679.27 USD
1/20/202675.01 USD
1/16/202676.15 USD
1/15/202676.79 USD
1/14/202674.72 USD
1/13/202673.46 USD
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1/8/202675.06 USD
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1/6/202673.01 USD
1/5/202673.39 USD
1/2/202672.51 USD
12/31/202572.52 USD
12/30/202572.74 USD
12/29/202573.84 USD
12/26/202574.11 USD
12/24/202574.19 USD
12/23/202573.99 USD
12/22/202575.12 USD
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12/5/202571.69 USD
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12/1/202569.69 USD
11/28/202569.11 USD
11/26/202569.84 USD
11/25/202570.62 USD
11/24/202567.99 USD
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11/20/202565.79 USD
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11/18/202565.10 USD
11/17/202564.50 USD
11/14/202567.21 USD
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11/12/202567.79 USD
11/11/202568.13 USD
11/10/202567.55 USD
11/7/202566.68 USD
11/6/202566.87 USD
11/5/202568.21 USD
11/4/202565.14 USD
11/3/202564.88 USD
10/31/202563.46 USD
10/30/202564.32 USD
10/29/202563.95 USD
10/28/202565.62 USD
10/27/202566.57 USD
10/24/202565.43 USD
10/23/202564.63 USD
10/22/202565.23 USD
10/21/202565.28 USD
10/20/202564.95 USD
10/17/202563.41 USD
10/16/202562.08 USD
10/15/202565.47 USD
10/14/202566.42 USD
10/13/202564.18 USD
10/10/202563.13 USD
10/9/202564.31 USD
10/8/202565.24 USD
10/7/202565.35 USD
10/6/202566.31 USD
10/3/202565.45 USD
10/2/202565.46 USD
10/1/202565.36 USD
9/30/202566.21 USD
9/29/202566.47 USD
9/28/202566.47 USD
9/25/202568.63 USD
9/24/202568.34 USD
9/23/202568.85 USD
9/22/202568.82 USD
9/19/202569.18 USD
9/18/202571.09 USD
9/17/202568.39 USD
9/16/202567.89 USD
9/15/202568.72 USD
9/12/202569.42 USD
9/11/202570.40 USD
9/10/202569.12 USD
9/9/202569.10 USD
9/8/202569.76 USD
9/5/202569.93 USD
9/4/202570.87 USD
9/3/202569.94 USD
9/2/202570.24 USD
8/29/202569.94 USD
8/28/202570.25 USD
8/27/202570.92 USD
8/26/202570.41 USD
8/25/202569.50 USD
8/22/202570.40 USD
8/21/202566.61 USD
8/20/202566.52 USD
8/19/202566.65 USD
8/18/202566.28 USD
8/15/202565.62 USD
8/14/202566.76 USD
8/13/202567.52 USD
8/12/202566.19 USD
8/11/202562.61 USD
8/8/202562.35 USD
8/7/202562.37 USD
8/6/202562.86 USD
8/5/202563.32 USD
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Tompkins Financial Revenue, Pre-Provision Profit, Net Income

  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Revenue
Pre-Provision Profit
Net Income
Details
Date
Revenue
Pre-Provision Profit
Net Income
Jan 1, 2020
295.95 M USD
111.65 M USD
77.59 M USD
Jan 1, 2021
299.11 M USD
108.81 M USD
89.26 M USD
Jan 1, 2022
303.69 M USD
107.94 M USD
85.03 M USD
Jan 1, 2023
227.71 M USD
24.42 M USD
9.51 M USD
Jan 1, 2024
295.18 M USD
95.53 M USD
70.85 M USD
Jan 1, 2025
446.60 M USD
236.39 M USD
161.07 M USD
Jan 1, 2026 (e)
352.39 M USD
0.00 USD
110.60 M USD
Jan 1, 2027 (e)
379.86 M USD
0.00 USD
118.55 M USD

Tompkins Financial Income Statement, Balance Sheet, Cash Flow Statement

Last updated Aug 5, 2026, 9:53 PM
 
REVENUEM USD
REVENUE GROWTH%
GROSS MARGIN%
GROSS INCOMEM USD
Net Interest IncomeM USD
Non-Interest IncomeM USD
Loan Loss ProvisionsM USD
Pre-Provision Profit (PPOP)M USD
NET INCOMEM USD
NET INCOME GROWTH%
DIV.USD
DIV. GROWTH%
SHARESM
201220132014201520162017201820192020202120222023202420252026e2027e
210.00251.00252.00258.00269.00292.00322.00333.00324.00316.00324.00297.00431.00578.00352.00379.00
14.7519.520.402.384.268.5510.273.42-2.70-2.472.53-8.3345.1234.11-39.107.67
84.2988.0590.8790.7089.9689.7386.6584.3885.8095.2592.59100.0066.8275.2675.2675.26
177.00221.00229.00234.00242.00262.00279.00281.00278.00301.00300.00297.00288.00435.00264.91285.23
134.10161.10163.80168.38180.64201.30211.80210.63225.34223.79230.28214.45211.10249.73––
54.8069.9070.8069.2966.3165.7871.2272.2070.6175.3273.4113.2684.07196.87––
8.806.202.302.904.304.203.901.4017.20-2.202.794.346.6111.53––
51.3077.9079.9087.7788.3595.99101.92101.02111.65108.81107.9424.4295.53236.39––
31.0050.0052.0058.0059.0052.0082.0081.0077.0089.0085.009.0070.00161.00110.00118.00
-11.4361.294.0011.541.72-11.8657.69-1.22-4.9415.58-4.49-89.41677.78130.00-31.687.27
1.461.541.621.701.771.821.942.022.102.192.312.402.442.512.682.78
4.295.485.194.944.122.826.594.123.964.295.483.901.672.876.773.73
14.3714.7314.7714.8715.0115.1015.1414.7914.7514.5314.3914.2514.3114.3614.3614.36
Details

Income Statement Key Figures

ⓘ

Revenue and Revenue Growth

Revenue is the starting point of every income statement — it measures the total sales Tompkins Financial generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.

Gross Margin

Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue Tompkins Financial retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare Tompkins Financial's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.

EBIT and EBIT Margin

EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.

Net Income and Earnings Per Share (EPS)

Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.

Shares Outstanding

The total number of shares Tompkins Financial has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.

Analyst Estimates

The projected figures represent consensus estimates from professional analysts. Compare these forecasts against Tompkins Financial's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.

Tompkins Financial stock margins

The Tompkins Financial margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Tompkins Financial. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Tompkins Financial.

  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Cost-Income Ratio
Profit margin
Details
Date
Cost-Income Ratio
Profit margin
Jan 1, 2020
62.27 %
26.22 %
Jan 1, 2021
63.62 %
29.84 %
Jan 1, 2022
64.46 %
28.00 %
Jan 1, 2023
89.28 %
4.17 %
Jan 1, 2024
67.63 %
24.00 %
Jan 1, 2025
47.07 %
36.07 %
Jan 1, 2026 (e)
0.00 %
31.39 %
Jan 1, 2027 (e)
0.00 %
31.21 %

Tompkins Financial Revenue per Share, Earnings per Share

The Tompkins Financial earnings per share therefore indicates how much revenue Tompkins Financial has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.

  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Revenue per Share
Earnings per Share
Details
Date
Revenue per Share
Earnings per Share
Jan 1, 2020
20.06 USD
5.26 USD
Jan 1, 2021
20.58 USD
6.14 USD
Jan 1, 2022
21.11 USD
5.91 USD
Jan 1, 2023
15.98 USD
0.67 USD
Jan 1, 2024
20.62 USD
4.95 USD
Jan 1, 2025
31.11 USD
11.22 USD
Jan 1, 2026 (e)
24.58 USD
7.72 USD
Jan 1, 2027 (e)
26.50 USD
8.27 USD

Tompkins Financial business model & stock analysis

The Tompkins Financial Corporation is an American company that has been active in the financial industry for over 180 years. It was founded in 1836 and is headquartered in Ithaca, New York. The company is a holding company that owns and controls various subsidiaries, including banks, investment companies, and insurance companies. The business model of the Tompkins Financial Corporation is mainly based on banking services. The company is able to offer a wide range of financial products and services, including deposits, loans, credit cards, mortgages, and investment services. In addition, the Tompkins Financial Corporation also offers insurance and asset management services. The company operates in several segments, including retail banking, commercial banking, and wealth management. In retail banking, the company offers various deposit and credit products for individual customers. In commercial banking, Tompkins offers financing solutions for businesses, including leasing, loans, and lines of credit. The wealth management division of the Tompkins Financial Corporation offers risk management and asset management services tailored to the needs of affluent individuals and foundations. Tompkins Financial Corporation offers a wide range of financial products, including retail banking accounts, business loans, asset management services, and investment products. Retail banking products include various accounts and services such as personal savings accounts, checking accounts, credit cards, and mortgages. Commercial financing products include various types of loans, including lines of credit, working capital loans, and investment loans, as well as leasing for equipment and vehicles. The wealth management team offers various types of asset management services aimed at aligning clients' investment strategies with their needs and goals. Over the years, the Tompkins Financial Corporation has completed several acquisitions of other companies in the financial industry. In 2015, the company acquired VIST Bank, a regional bank company in Pennsylvania. In 2019, Tompkins Trustco, a subsidiary of Tompkins Financial Corporation, acquired GHH Insurance Group, an insurance company, to expand its offering of insurance services. Overall, the Tompkins Financial Corporation has experienced steady growth in recent years and is now an established financial institution in the United States.

Tompkins Financial SWOT Analysis

Strengths

Tompkins Financial Corp has several strengths that contribute to its success in the market. Firstly, the company has a strong financial position and a solid track record of financial performance. This stability allows them to make strategic investments and expand their operations. Secondly, Tompkins Financial Corp has a well-established brand reputation and a loyal customer base. Their commitment to providing excellent customer service and personalized solutions has helped them build trust and maintain long-term relationships with clients. Additionally, the company boasts a diversified business model, offering a wide range of financial products and services. This diversity allows them to cater to the varying needs of different customer segments and adapt to changing market conditions. Furthermore, Tompkins Financial Corp has an experienced and knowledgeable management team. Their expertise and strategic decision-making capabilities enable the company to navigate complex challenges and seize opportunities efficiently. Lastly, the company has embraced technology and digital innovations to enhance their operations and customer experience. This enables them to stay competitive in the evolving financial industry landscape.

Weaknesses

Despite its strengths, Tompkins Financial Corp also faces certain weaknesses. One of the main weaknesses is their limited geographic presence. While they have a strong presence in certain regions, they may face challenges in expanding into new markets and competing with larger national or international financial institutions. Additionally, the company may have higher operating costs compared to larger competitors, which could impact their profitability. This could be due to the need to invest in technology infrastructure or maintaining a wide network of physical branches. Furthermore, Tompkins Financial Corp may face challenges in attracting and retaining top talent. As a smaller regional bank, they may struggle to compete with larger financial institutions in terms of compensation and benefits packages. Lastly, the company's heavy reliance on traditional banking and lending services could leave them vulnerable to potential disruptions caused by technological advancements or changes in consumer behavior.

Opportunities

Tompkins Financial Corp has several opportunities that can further strengthen their position in the market. Firstly, they can explore strategic partnerships or acquisitions to expand their geographic footprint and enter new markets. This would allow them to reach a larger customer base and increase their market share. Secondly, the company can focus on enhancing their digital capabilities and offering innovative online banking and financial solutions. This would help them attract tech-savvy customers and improve operational efficiency. Additionally, Tompkins Financial Corp can capitalize on the increasing demand for sustainable and socially responsible investing. By offering products and services that align with these values, they can attract a niche customer segment and differentiate themselves from competitors. Furthermore, the company can leverage data analytics and artificial intelligence to gain deeper insights into customer preferences and behaviors. This would enable them to personalize their offerings and provide targeted financial solutions.

Threats

Tompkins Financial Corp faces several threats that could impact their business operations. Firstly, intense competition within the financial industry poses a threat. Larger national or international banks, as well as emerging fintech companies, can pose challenges in retaining and attracting customers. Secondly, regulatory changes and government policies can impact the company's operations and profitability. Compliance with regulatory requirements may require significant investments and resources. Additionally, economic downturns or recessions can negatively affect the financial industry as a whole, including Tompkins Financial Corp. A decrease in consumer spending and increased default rates could impact the company's loan portfolio and overall financial performance. Furthermore, cybersecurity threats and data breaches pose a significant risk to the company. The increasing frequency and sophistication of cyber attacks require continuous investments in robust security measures to protect sensitive customer information.

Tompkins Financial Employees

  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Tompkins Financial Employees
Details
Date
Tompkins Financial Employees
Jan 1, 2018
- Employees
Jan 1, 2019
- Employees
Jan 1, 2020
- Employees
Jan 1, 2021
- Employees
Jan 1, 2022
- Employees
Jan 1, 2023
- Employees
Jan 1, 2024
- Employees
Jan 1, 2025
- Employees

Tompkins Financial Segments

Tompkins Financial Revenue by Segment (1/2)

  • 3 Years

  • 5 Years

  • Max

Insurance Revenues
Investment Service Income
Card Services Income
Service Charges on Deposit Accounts
Other
Details
Date
Insurance Revenues
Investment Service Income
Card Services Income
Service Charges on Deposit Accounts
Other
Jan 1, 2018
0.00 USD
0.00 USD
0.00 USD
0.00 USD
0.00 USD
Jan 1, 2019
0.00 USD
0.00 USD
0.00 USD
0.00 USD
0.00 USD
Jan 1, 2020
31.51 M USD
17.52 M USD
9.26 M USD
6.31 M USD
1.15 M USD
Jan 1, 2021
34.84 M USD
19.39 M USD
10.83 M USD
6.35 M USD
1.20 M USD
Jan 1, 2022
36.20 M USD
18.09 M USD
11.02 M USD
7.37 M USD
1.29 M USD
Jan 1, 2023
37.35 M USD
17.95 M USD
11.49 M USD
6.91 M USD
1.32 M USD
Jan 1, 2024
39.10 M USD
19.59 M USD
12.06 M USD
7.29 M USD
1.30 M USD
Jan 1, 2025
35.57 M USD
20.12 M USD
11.50 M USD
7.26 M USD
1.30 M USD

Tompkins Financial Revenue by Segment (2/2)

  • 3 Years

  • 5 Years

  • Max

Subtotal Insurance Revenues
Commissions and Fees
Subtotal Investment Service Income
Card Services Income
Trust and Asset Management
Service Charges on Deposit Accounts
Mutual Fund & Investment Income
Contingent Commissions
Other
Refund of Commissions
Contract Liabilities/Deferred Revenue
Installment Billing
Details
Date
Subtotal Insurance Revenues
Commissions and Fees
Subtotal Investment Service Income
Card Services Income
Trust and Asset Management
Service Charges on Deposit Accounts
Mutual Fund & Investment Income
Contingent Commissions
Other
Refund of Commissions
Contract Liabilities/Deferred Revenue
Installment Billing
Jan 1, 2018
29.37 M USD
27.27 M USD
17.29 M USD
9.69 M USD
11.85 M USD
8.44 M USD
5.44 M USD
2.30 M USD
1.18 M USD
-29,000.00 USD
-181,000.00 USD
6,000.00 USD
Jan 1, 2019
31.09 M USD
28.25 M USD
16.43 M USD
10.53 M USD
11.44 M USD
8.32 M USD
4.99 M USD
3.04 M USD
1.18 M USD
30,000.00 USD
-195,000.00 USD
-35,000.00 USD
Jan 1, 2020
0.00 USD
0.00 USD
0.00 USD
0.00 USD
0.00 USD
0.00 USD
0.00 USD
0.00 USD
0.00 USD
0.00 USD
0.00 USD
0.00 USD
Jan 1, 2021
0.00 USD
0.00 USD
0.00 USD
0.00 USD
0.00 USD
0.00 USD
0.00 USD
0.00 USD
0.00 USD
0.00 USD
0.00 USD
0.00 USD
Jan 1, 2022
0.00 USD
0.00 USD
0.00 USD
0.00 USD
0.00 USD
0.00 USD
0.00 USD
0.00 USD
0.00 USD
0.00 USD
0.00 USD
0.00 USD
Jan 1, 2023
0.00 USD
0.00 USD
0.00 USD
0.00 USD
0.00 USD
0.00 USD
0.00 USD
0.00 USD
0.00 USD
0.00 USD
0.00 USD
0.00 USD
Jan 1, 2024
0.00 USD
0.00 USD
0.00 USD
0.00 USD
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0.00 USD
0.00 USD
0.00 USD
0.00 USD
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0.00 USD
Jan 1, 2025
0.00 USD
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0.00 USD

Tompkins Financial Eulerpool Fair Value

Details

Fair Value Estimate

ⓘ

What Is Fair Value?

Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.

Earnings-Based Fair Value

Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.

Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021

Revenue-Based Fair Value

Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"

Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021

Dividend-Based Fair Value

Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.

Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021

How to Use This Chart

When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.

Tompkins Financial historical P/E ratio, EBIT multiple, and P/S ratio

Tompkins Financial annual returns

Details

Annual Return

ⓘ

What This Chart Shows

This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.

Price Return

Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.

Dividend Return

Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.

What to Look For

Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.

Tompkins Financial shares outstanding

The number of shares of Tompkins Financial was 14.36 M in 2025. This indicates how many shares Tompkins Financial is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.

  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Number of stocks
Details
Date
Number of stocks
Jan 1, 2020
14.75 M Stocks
Jan 1, 2021
14.53 M Stocks
Jan 1, 2022
14.39 M Stocks
Jan 1, 2023
14.25 M Stocks
Jan 1, 2024
14.31 M Stocks
Jan 1, 2025
14.36 M Stocks
Jan 1, 2026 (e)
14.36 M Stocks
Jan 1, 2027 (e)
14.36 M Stocks

Tompkins Financial stock splits

In Tompkins Financial's history, there have been no stock splits.

Tompkins Financial Dividend History

30 years of dividend payments · 15 consecutive increases

YearAnnual DividendYoY ChangePayments
20260.67USDYTD—1×
Feb 13, 20260.67USD↑ 3.1%1/1
20252.51USD↑ 2.9%4×
Feb 14, 20250.62USD 0.0%1/4
May 9, 20250.62USD 0.0%2/4
Aug 8, 20250.62USD 0.0%3/4
Nov 7, 20250.65USD↑ 4.8%4/4
20242.44USD↑ 1.7%4×
20232.40USD↑ 3.9%4×
20222.31USD↑ 5.5%4×
20212.19USD↑ 4.3%4×
20202.10USD↑ 4.0%4×
20192.02USD↑ 4.1%4×
20181.94USD↑ 6.6%4×
20171.82USD↑ 2.8%4×

Tompkins Financial dividend history and estimates

In 2025, Tompkins Financial paid a dividend amounting to 2.51 USD. Dividend means that Tompkins Financial distributes a portion of its profits to its owners.

  • 3 Years

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  • 10 Years

  • 25 Years

  • Max

Dividend
Dividend (Estimate)
Details
Date
Dividend
Dividend (Estimate)
Jan 1, 2020
2.10 USD
0.00 USD
Jan 1, 2021
2.19 USD
0.00 USD
Jan 1, 2022
2.31 USD
0.00 USD
Jan 1, 2023
2.40 USD
0.00 USD
Jan 1, 2024
2.44 USD
0.00 USD
Jan 1, 2025
2.51 USD
0.00 USD
Jan 1, 2026 (e)
0.67 USD
2.01 USD
Jan 1, 2027 (e)
0.00 USD
2.78 USD

Tompkins Financial dividend payout ratio

In 2025, Tompkins Financial had a payout ratio of 22.37%. The payout ratio indicates the percentage of the company's profits that Tompkins Financial distributes as dividends.

  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Payout ratio
Details
Date
Payout ratio
Jan 1, 2020
39.93 %
Jan 1, 2021
35.65 %
Jan 1, 2022
39.08 %
Jan 1, 2023
359.71 %
Jan 1, 2024
49.29 %
Jan 1, 2025
22.37 %
Jan 1, 2026 (e)
34.74 %
Jan 1, 2027 (e)
33.58 %

Current Tompkins Financial forecasts and price targets in August 2026

Analyst Price Targets 2026
Δ MOM Price Target
4.32 %
Buy
66.67 % (4)
Hold
33.33 % (2)
Sell
0.00 % (0)
12M Price Target
86.19
Last Price
101.37
Currency
USD
12M Return Potential
-14.97 %
LTM Return
0 %

Tompkins Financial Analyst Rating Actions

DateFirmActionRatingReliability
7/27/2026
Keefe, Bruyette & Woods
Keefe, Bruyette & Woods
MaintainedOutperform–
4/28/2026
Piper Sandler
Piper Sandler
MaintainedNeutral51
10/2/2024
Keefe, Bruyette & Woods
Keefe, Bruyette & Woods
UpgradeMarket PerformOutperform–
7/29/2024
Keefe, Bruyette & Woods
Keefe, Bruyette & Woods
MaintainedMarket Perform–
5/3/2024
Keefe, Bruyette & Woods
Keefe, Bruyette & Woods
MaintainedMarket Perform–
10/2/2023
Piper Sandler
Piper Sandler
MaintainedNeutral51
7/25/2023
Keefe, Bruyette & Woods
Keefe, Bruyette & Woods
MaintainedMarket Perform–
9/28/2020
Piper Sandler
Piper Sandler
MaintainedNeutral51
7/25/2017
Keefe, Bruyette & Woods
Keefe, Bruyette & Woods
UpgradeUnderperformMarket Perform–
7/25/2017
Keefe Bruyette & Woods
Keefe Bruyette & Woods
UpgradeUnderperformMarket Perform–

Eulerpool Reliability Score (0–100): measures how often a firm’s bullish or bearish calls were directionally correct three months later, blended with the average return following its calls. Every rating we record is stored permanently and scores update continuously; firms with fewer than 3 measured calls are not scored yet.

Tompkins Financial Earnings Estimates & Surprises

DateEPS estimateEPS ActualRevenue EstimatePrice reactionQuarterly report
7/23/20261.84USD-87.33 MUSD-2026 Q2
4/23/20261.77USD-84.48 MUSD-2026 Q1
1/29/20261.73USD-137.52 MUSD-2025 Q4
4/26/20241.21USD-76.36 MUSD-2024 Q1
1/25/20241.26USD-75.29 MUSD-2023 Q4
7/20/20231.48USD-80.20 MUSD-2023 Q2
4/27/20231.50USD-79.67 MUSD-2023 Q1
1/26/20231.43USD-78.76 MUSD-2022 Q4
10/28/20221.57USD-80.73 MUSD-2022 Q3
7/22/20221.35USD-76.78 MUSD-2022 Q2
...

EESG©

Eulerpool ESG Scorecard© for the Tompkins Financial stock

32/100
8
Environment
22
Social
67
Governance
E

Environment

20
Scope 1 - Direct Emissions—
Scope 2 - Indirect emissions from purchased energy—
Scope 3 - Indirect emissions within the value chain—
Total CO₂ emissions—
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather—
Pesticides—
Palm Oil—
Tobacco
Genetically modified organisms
Climate concept—
Sustainable forestry—
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency
S

Social

20
Percentage of female employees—
Percentage of women in management—
Percentage of Asian employees—
Share of Asian management—
Percentage of Hispanic/Latino employees—
Hispano/Latino Management share—
Percentage of Black employees—
Black Management Share—
Percentage of white employees—
White Management Share—
Adult content
Alcohol
Weapons—
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept—
Occupational health and safety
Catholic
G

Governance (Corporate Governance)

4
Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

Tompkins Financial shareholder structure

% Name
13.96775%
BLACKROCK, INC.
BLACKROCK, INC.
12.40692%
BlackRock Institutional Trust Company, N.A.
BlackRock Institutional Trust Company, N.A.
9.65070%
The Vanguard Group, Inc.
The Vanguard Group, Inc.
8.29699%
State Street Investment Management (US)
State Street Investment Management (US)
8.27570%
STATE STREET CORP
STATE STREET CORP
7.92485%
Tompkins Community Bank
Tompkins Community Bank
...

Tompkins Financial Beneficial Ownership Filings (SEC 13D/G)

Free Float
90.2%
Float Shares
-
Shares Outstanding
-
StakeHolderFiling
14.36%
15-0470650
15-0470650
SEC ↗
13.80%
(1) BlackRock, Inc.
(1) BlackRock, Inc.
SEC ↗
13.20%
BlackRock, Inc.
BlackRock, Inc.
SEC ↗
9.77%
I.R.S IDENTIFICATION NO. OF ABOVE PERSON (
I.R.S IDENTIFICATION NO. OF ABOVE PERSON (
SEC ↗
9.72%
The Vanguard Group - 23-1945930
The Vanguard Group - 23-1945930
SEC ↗
8.46%
IDENTIFICATION NO. OF ABOVE PERSON (
IDENTIFICATION NO. OF ABOVE PERSON (
SEC ↗
8.40%
STATE STREET CORPORATION
STATE STREET CORPORATION
SEC ↗
6.98%
STATE STREET GLOBAL ADVISORS TRUST COMPANY
STATE STREET GLOBAL ADVISORS TRUST COMPANY
SEC ↗
6.90%
Park Foundation, Inc.
Park Foundation, Inc.
SEC ↗
6.90%
Dorothy D. Park, Personal Representative of the Estate of Roy H. Park
Dorothy D. Park, Personal Representative of the Estate of Roy H. Park
SEC ↗

Tompkins Financial Executives and Management Board

20 members · avg. age 55 · 50 % women

SR

Mr. Stephen Romaine (60)

President, Chief Executive Officer, Director

1.87 M USD

Management

JM

Mr. John McKenna (58)

Executive Vice President

946,079.00 USD
DB

Mr. David Boyce (58)

Executive Vice President

755,628.00 USD
MT

Mr. Matthew Tomazin (40)

Chief Financial Officer, Executive Vice President, Treasurer

721,851.00 USD
DD

Mr. David Demilia (49)

Executive Vice President

676,722.00 USD
GK

Mrs. Ginger Kunkel (54)

Executive Vice President; President of Tompkins Community Bank PA

601,081.00 USD
AF

Ms. Alyssa Fontaine (44)

Executive Vice President, Chief Risk Officer, General Counsel

–

Board of Directors

DF

Mr. Daniel Fessenden (59)

Independent Vice Chairman of the Board

110,088.00 USD
PJ

Ms. Patricia Johnson (69)

Independent Director

104,800.00 USD
JM

Mr. John Mcclurg (63)

Independent Director

98,633.00 USD
MS

Mr. Michael Spain (67)

Director

97,825.00 USD
IR

Ms. Ita Rahilly (63)

Independent Director

96,800.00 USD
NC

Ms. Nancy Catarisano (63)

Independent Director

96,300.00 USD

Tompkins Financial Supply Chain

Tompkins Financial Supply Chain

Correlation: how closely stock prices move together

Same directionNo relationOpposite
1 companies
#NameTrend
1
LPL Financial
Supplier·Capital Markets·US
0.58
0.86
-0.28
-0.43
0.07
0.83

Frequently asked questions about Tompkins Financial

Tompkins Financial Corp is a diversified financial services company. Their business model revolves around offering a range of banking and financial services to individuals, businesses, and organizations. Tompkins Financial Corp operates through its subsidiaries, which include Tompkins Trust Company, Tompkins Mahopac Bank, Tompkins VIST Bank, Tompkins Insurance Agencies, and Tompkins Financial Advisors. With a focus on personalized customer service, they provide solutions such as banking products, insurance services, wealth management, trust and investment services, mortgage lending, and more. Tompkins Financial Corp aims to meet the financial needs of its customers while establishing long-term relationships, delivering value, and serving the communities they operate in.

Tompkins Financial Corp is primarily active in the banking and financial services industries.

The main competitors of Tompkins Financial Corp in the market are other prominent financial institutions, including Bank of America, JPMorgan Chase, Wells Fargo, and Citigroup.

Tompkins Financial Corp is a prominent financial institution with a rich history and strong background. Founded in 1836, the company has been providing comprehensive banking, investment, and insurance services to customers across New York, Pennsylvania, and Vermont. With its headquarters in Ithaca, New York, Tompkins Financial Corp has grown to become a leading provider of personalized financial solutions. Throughout its history, the company has remained committed to its core values of building lasting relationships, delivering exceptional customer service, and supporting local communities. Tompkins Financial Corp continues to thrive as a trusted financial partner, offering innovative solutions to individuals, businesses, and organizations.

Established in 1836, Tompkins Financial Corp has achieved several significant milestones throughout its long history. The company has consistently expanded its presence and operations, acquiring and integrating other financial institutions to strengthen its position in the market. Tompkins Financial Corp has successfully navigated various economic cycles, demonstrating its resilience and ability to adapt. In recent years, the company has continued to deliver strong financial performance, with consistent growth in assets, revenues, and earnings. Tompkins Financial Corp has also been recognized for its commitment to community development and corporate social responsibility, receiving numerous accolades for its ethical business practices and philanthropic initiatives.

Tompkins Financial Corp is primarily present in the United States.

Tompkins Financial Corp stands for strong values and a robust corporate philosophy. The company focuses on providing exceptional financial services to individuals, families, and businesses. Tompkins Financial Corp believes in integrity, trust, and putting the needs of customers first. With a commitment to building long-term relationships, the company offers personalized solutions and a superior banking experience. Through continuous innovation and a customer-centric approach, Tompkins Financial Corp strives to deliver financial success and stability. As a leading financial institution, Tompkins Financial Corp prioritizes responsible banking practices and community involvement, fostering economic growth and prosperity.

Analysts currently set an average price target of 86.19 USD for the Tompkins Financial stock (median: 86.19 USD), implying -15.0 % versus the latest price. The consensus is based on 6 analyst ratings.

Tompkins Financial Analyst Price Targets 2026

6 analysts currently rate the Tompkins Financial stock: 4 recommend buying, 2 holding and 0 selling. For 2026, analysts expect Tompkins Financial to generate revenue of 352.39 M USD and earnings per share of 7.70 USD.

Tompkins Financial Analyst Price Targets 2026

Converted at the current exchange rate, the Tompkins Financial share trades at 86.63 EUR (99.84 USD).

The Tompkins Financial share (TMP) is listed on 2 stock exchanges, including: Frankfurt (8J0.F).

Tompkins Financial Corporation is a multi-business financial services company headquartered in Ithaca, New York. It was founded in 1836 and has a strong presence in the Upstate New York, Pennsylvania, and Connecticut regions. The business model of Tompkins Financial is divided into three main business segments: Community Banking, Wealth Management, and Insurance. Community Banking focuses on providing banking services to individuals, businesses, agricultural enterprises, and municipal institutions. The banking division includes several subsidiaries such as Tompkins Trust Company, Tompkins Bank of Castile, Mahopac Bank, and VIST Bank. The products offered include deposit accounts such as checking accounts, savings accounts, and money market accounts, as well as loans such as mortgages, auto loans, and business loans. The second business segment of Tompkins Financial is Wealth Management. It specializes in providing financial advisory services, investment management, and trust services. The company offers its clients various investment options such as stocks, bonds, mutual funds, and other investment instruments. Additionally, Tompkins Financial has specialized investment teams focusing on specific asset classes and strategies to meet the individual needs of clients. In the area of trust services, Tompkins Financial provides advice on estate planning, asset transfer, and estate administration preparation. The third business segment of Tompkins Financial is Insurance. It specializes in insurance and offers a variety of insurance products and services including auto, home, business property and liability, and life insurance. Tompkins Financial is also a specialized provider of risk management solutions for businesses and organizations. In summary, Tompkins Financial's business model revolves around three main business segments: Community Banking, Wealth Management, and Insurance. The company aims to provide its customers with a wide range of financial products and services to meet their individual needs. Tompkins Financial also plans to continue investing in new technologies and meeting customer needs to be successful in a competitive market. Translate this as near as possible to English.

The expected revenue of Tompkins Financial is 352.39 M USD. This figure is based on current financial data and reflects the company's business performance.

The expected profit of Tompkins Financial is 110.60 M USD. The net profit reflects the company's profitability after deducting all expenses.

The price-to-earnings ratio (P/E) of Tompkins Financial is currently 12.96. The P/E ratio compares the current share price to the earnings per share and helps investors assess the valuation of the Tompkins Financial stock.

The price-to-sales ratio (P/S) of Tompkins Financial is currently 4.07. The P/S ratio compares the market capitalization to the annual revenue and serves as a valuation metric for the Tompkins Financial stock.

The Eulerpool Quality Score for Tompkins Financial is 6/10.

The ISIN of Tompkins Financial is US8901101092. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.

The WKN of Tompkins Financial is 762575. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.

The ticker of Tompkins Financial is TMP. The ticker symbol is used to trade Tompkins Financial shares on the stock exchange.

Over the past 12 months, Tompkins Financial paid a dividend of 2.51 USD . This corresponds to a dividend yield of about 2.51 %. For the coming 12 months, Tompkins Financial is expected to pay a dividend of 2.78 USD.

The current dividend yield of Tompkins Financial is 2.51 %.

Tompkins Financial pays a dividend, distributed in the months of , , , .

Tompkins Financial paid dividends every year for the past 29 years.

For the upcoming 12 months, dividends amounting to 2.78 USD are expected. This corresponds to a dividend yield of 2.78 %.

Tompkins Financial is assigned to the 'Finance' sector.

To receive the latest dividend of Tompkins Financial from amounting to 0.67 USD, you needed to have the stock in your portfolio before the ex-date on .

The last dividend was paid out on .

In the year 2025, Tompkins Financial distributed 2.44 USD as dividends.

The dividends of Tompkins Financial are distributed in USD.

All fundamentals and in-depth analysis of Tompkins Financial

Our stock analysis for Tompkins Financial stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Tompkins Financial. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.

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