Tompkins Financial (TMP) Stock Price
Tompkins Financial Price
Tompkins Financial (TMP) Stock | ISIN US8901101092 | WKN 762575. The current Tompkins Financial stock price is 91.78 USD (2026). Revenue is 353.52 M USD. Net income is 106.61 M USD. The P/E ratio is 12.34. Market capitalization is 1.32 B USD. Tompkins Financial operates in the Finance sector.
Tompkins Financial stock price
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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.
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Tompkins Financial Revenue, EBIT, Net Income
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Tompkins Financial Income Statement, Balance Sheet, Cash Flow Statement
| REVENUE (M USD) |
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| REVENUE GROWTH (%) |
| GROSS MARGIN (%) |
| GROSS INCOME (M USD) |
| EBIT (M USD) |
| EBIT MARGIN (%) |
| NET INCOME (M USD) |
| NET INCOME GROWTH (%) |
| DIVIDEND (USD)DIV. (USD) |
| DIVIDEND GROWTH (%)DIV. GROWTH (%) |
| SHARES (M) |
| DOCUMENTS |
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026e | 2027e |
|---|---|---|---|---|---|---|---|
| 328 | 320 | 329 | 307 | 435 | 578 | 353 | 381 |
| -2.38 | -2.44 | 2.81 | -6.69 | 41.69 | 32.87 | -38.93 | 7.93 |
| 92.99 | 95.31 | 92.71 | 99.35 | 70.11 | 52.77 | 86.4 | 80.05 |
| 305 | 305 | 305 | 305 | 305 | 305 | 305 | 305 |
| 0 | 0 | 110 | 0 | 0 | 0 | 156 | 170 |
| – | – | – | – | – | – | – | – |
| 76 | 88 | 84 | 9 | 70 | 161 | 106 | 116 |
| -5 | 15.79 | -4.55 | -89.29 | 677.78 | 130 | -34.16 | 9.43 |
| 2.1 | 2.19 | 2.31 | 2.4 | 2.44 | 2.51 | 2.68 | 3.12 |
| 3.96 | 4.29 | 5.48 | 3.9 | 1.67 | 2.87 | 6.77 | 16.42 |
| 14.7 | 14.6 | 14.4 | 14.3 | 14.27 | 14.34 | 14.34 | 14.34 |
| – | – | – | – | – | – | – | – |
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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
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Tompkins Financial Stock Revenue, EBIT, Earnings per Share
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Tompkins Financial business model & stock analysis
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 Segments
Tompkins Financial Revenue by Segment (1/2)
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Tompkins Financial Revenue by Segment (2/2)
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Tompkins Financial Eulerpool Fair Value
Tompkins Financial historical P/E ratio, EBIT multiple, and P/S ratio
Tompkins Financial annual returns
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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
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Tompkins Financial Dividend History
30 years of dividend payments · 15 consecutive increases
Tompkins Financial dividend history and estimates
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Tompkins Financial dividend payout ratio
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Tompkins Financial Earnings Estimates
Tompkins Financial Earnings Estimates
| Date | EPS estimate | Revenue Estimate | Quarterly report |
|---|---|---|---|
| 4/23/2026 | 1.77USD | 84.48 MUSD | 2026 Q1 |
| 1/29/2026 | 1.73USD | 137.52 MUSD | 2025 Q4 |
| 1/23/2026 | 1.73USD | 137.52 MUSD | 2025 Q4 |
| 4/26/2024 | 1.21USD | 76.36 MUSD | 2024 Q1 |
| 1/25/2024 | 1.26USD | 75.29 MUSD | 2023 Q4 |
| 7/20/2023 | 1.48USD | 80.2 MUSD | 2023 Q2 |
| 4/27/2023 | 1.5USD | 79.67 MUSD | 2023 Q1 |
| 1/26/2023 | 1.43USD | 78.76 MUSD | 2022 Q4 |
| 10/28/2022 | 1.57USD | 80.73 MUSD | 2022 Q3 |
| 7/22/2022 | 1.35USD | 76.78 MUSD | 2022 Q2 |
EESG©
Eulerpool ESG Scorecard© for the Tompkins Financial stock
EEnvironment
20
Environment
SSocial
20
Social
GGovernance (Corporate Governance)
4
Governance (Corporate Governance)
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 |
|---|---|
12.40692% | |
9.6507% | |
8.29699% | |
7.92485% | |
5.34731% | |
4.15178% | |
2.20857% | |
1.64789% | |
0.97252% | |
0.85774% |
Tompkins Financial Executives and Management Board
Mr. Stephen Romaine
(60)President, Chief Executive Officer, Director
Mr. John McKenna
(58)Executive Vice President
Mr. David Boyce
(58)Executive Vice President
Mr. Matthew Tomazin
(40)Chief Financial Officer, Executive Vice President, Treasurer
Mr. David Demilia
(49)Executive Vice President
Tompkins Financial Supply Chain
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 stock
Tompkins Financial Peer Group
Tompkins Financial Ticker
Tompkins Financial FIGI
All fundamentals and in-depth analysis of Tompkins Financial
Our stock analysis for Tompkins Financial Revenue 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 Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.