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    Tompkins Financial (TMP)

    Market Price (9/13/2026): $99.0 | Market Cap: $1.4 BilSector: Financials | Industry: Regional Banks

    Tompkins Financial (TMP)

    Market Price (9/13/2026): $99.0
    Market Cap: $1.4 Bil
    Sector: Financials
    Industry: Regional Banks

    Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

    0

    Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 15%, Dividend Yield is 2.7%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 11%

    Cash is significant % of market cap
    Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -42%

    Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 22%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 18%

    Low stock price volatility
    Vol 12M is 28%

    Megatrend and thematic drivers
    Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, Digital Payments, and Wealth Management Technology.

    Trading close to highs
    Dist 52W High is -2.4%, Dist 3Y High is -2.4%

    Expensive valuation multiples
    P/CFOPrice/(Cash Flow from Operations). CFO is cash before capital expenditures. is 25x

    Weak revenue growth
    Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is -17%, Rev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is 0.2%

    Key risks
    TMP key risks include [1] the impact of the interest rate and inflationary environment, Show more.

    0 Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 15%, Dividend Yield is 2.7%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 11%
    1 Cash is significant % of market cap
    Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -42%
    2 Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 22%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 18%
    3 Low stock price volatility
    Vol 12M is 28%
    4 Megatrend and thematic drivers
    Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, Digital Payments, and Wealth Management Technology.
    5 Trading close to highs
    Dist 52W High is -2.4%, Dist 3Y High is -2.4%
    6 Expensive valuation multiples
    P/CFOPrice/(Cash Flow from Operations). CFO is cash before capital expenditures. is 25x
    7 Weak revenue growth
    Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is -17%, Rev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is 0.2%
    8 Key risks
    TMP key risks include [1] the impact of the interest rate and inflationary environment, Show more.

    TMP in ETFs

    Weight = TMP's share of each fund

    VTI0.00%
    ITOT0.00%
    IWM0.04%
    IJR0.07%
    VB0.02%
    KRE0.18%
    SLYV0.14%
    VIOV0.14%
    +10 more covered ETFs

    Valuation & Metrics

    FYE: 12/31TMP [1]S&P 500 [2]
    REVENUE GROWTH
    LTM Revenue [3]$260.6 Mil—
    FY 2026 Sales$352.5 Mil—
    FY 2027 Sales$380.6 Mil—
    FY 2026 Sales Growth35.3%—
    FY 2027 Sales Growth8.0%13.0%
    EARNINGS
    LTM Net Income (GAAP) [3]$175.3 Mil—
    FY 2026 Net Income (Non-GAAP)$112.4 Mil—
    FY 2027 Net Income (Non-GAAP)$119.9 Mil—
    FY 2027 Net Income Growth6.7%18.4%
    FY 2026 EPS (Non-GAAP)$7.82—
    FY 2027 EPS (Non-GAAP)$8.32—
    FY 2027 EPS Growth6.5%—
    VALUATION
    FY 2026 P/S4.01.6
    FY 2027 P/S3.7—
    FY 2026 P/E12.57.4
    FY 2027 P/E11.7—

    [1] TMP forward figures are analyst consensus for the next two fiscal years (fiscal year end 12/31). Net Income and EPS are non-GAAP (adjusted) consensus. P/S and P/E divide the current market cap by the consensus figure.
    [2] S&P 500 figures are the SPY ETF's holdings-weighted forward aggregate. P/S and P/E reflect FY1/FY2 consensus blended to the 12-month window ending 9/30/27 (~one year forward), shown when ≥90% of index weight has estimates. Growth is the aggregate next-fiscal-year vs current-fiscal-year (FY1→FY2) change. Index-level dollar Sales, Net Income and EPS are not applicable.
    [3] LTM = reported trailing-twelve-month actuals (GAAP).
    TMPS&P 500
    REVENUE GROWTH 
    Rev LTM ($ Bil)0.3
    Rev Chg Q5.4%9.1%
    Rev Chg LTM-17.0%8.3%
    Rev Chg 3Y Avg0.2%5.8%
    PROFITABILITYVERY GOOD
    Op Inc LTM ($ Bil)�
    CFO LTM ($ Bil)0.1
    Net Inc LTM ($ Bil)0.2
    CFO/Rev LTM21.9%21.8%
    Net Inc Mgn67.3%13.1%
    VALUATIONMODERATE
    P/S5.43.2
    P/CFO24.715.1
    P/FCF29.519.4
    P/E8.022.6

    AI Analysis | Feedback

    MetricValueDateSource
    Number of Employees103212312023Link
    Assets Under Management3.1 billion3312025Link
    Number of Banking Offices5612312023Link
    Loan to Deposit Ratio89.2%9302025Link
    Available Liquidity1.5 billion9302025Link
    Loans for Small Business and Community Development407,476,42212312024Link
    Annual Employee Community Service Hours19,00012312023Link

    Price Chart

    No Events

    Why The Stock Moved

    Qualitative Assessment

    AI Analysis | Feedback

    Updated on 9/1/2026

    Tompkins Financial (TMP) stock has gained about 15% since 5/31/2026 because of the following key factors:

    1. Record Fiscal Q2 2026 Earnings Outperformance: Tompkins Financial reported diluted earnings per share (EPS) of $2.04 for its fiscal second quarter ending June 30, 2026, surpassing analysts' consensus estimates of $1.82 by $0.22, or 12%. This marked the third consecutive quarter of record earnings for the company, with net income surging by 36.5% to $29.3 million compared to fiscal Q2 2025. Quarterly revenue also exceeded expectations at $87.12 million, slightly above the $86.93 million estimate.

    2. Significant Net Interest Margin Expansion and Net Interest Income Growth: The company demonstrated strong financial health through an improved net interest margin (NIM) and substantial growth in net interest income (NII). The NIM expanded by 50 basis points year-over-year to 3.58% in fiscal Q2 2026. This contributed to a 23.0% increase in net interest income, which reached $74.0 million for the quarter compared to fiscal Q2 2025. The improved NIM was driven by higher loan yields and effectively managed funding costs.

    Show more
    Updated on 9/1/2026

    Tompkins Financial (TMP) stock has gained about 15% since 5/31/2026 because of the following key factors:

    1. Record Fiscal Q2 2026 Earnings Outperformance: Tompkins Financial reported diluted earnings per share (EPS) of $2.04 for its fiscal second quarter ending June 30, 2026, surpassing analysts' consensus estimates of $1.82 by $0.22, or 12%. This marked the third consecutive quarter of record earnings for the company, with net income surging by 36.5% to $29.3 million compared to fiscal Q2 2025. Quarterly revenue also exceeded expectations at $87.12 million, slightly above the $86.93 million estimate.

    2. Significant Net Interest Margin Expansion and Net Interest Income Growth: The company demonstrated strong financial health through an improved net interest margin (NIM) and substantial growth in net interest income (NII). The NIM expanded by 50 basis points year-over-year to 3.58% in fiscal Q2 2026. This contributed to a 23.0% increase in net interest income, which reached $74.0 million for the quarter compared to fiscal Q2 2025. The improved NIM was driven by higher loan yields and effectively managed funding costs.

    3. Robust Loan and Deposit Growth: Tompkins Financial experienced healthy expansion in its core banking activities. Total loans at the end of fiscal Q2 2026 (June 30, 2026) increased by $119.2 million, or 1.8% (7.4% on an annualized basis), from March 31, 2026, and were up $424.5 million, or 6.9%, from June 30, 2025. This growth was primarily concentrated in the commercial real estate and commercial and industrial portfolios. Concurrently, total deposits stood at $7.0 billion at June 30, 2026, reflecting a 4.7% increase from the prior year.

    4. Enhanced Shareholder Returns and Strategic Focus: Reflecting confidence in its sustained performance, Tompkins Financial's Board of Directors approved an increase in the regular quarterly cash dividend to $0.70 per share, payable on August 14, 2026. This represents a 4.5% increase from the previous $0.67 dividend and a 13% increase compared to the dividend paid in fiscal Q3 2025. Additionally, the company's strategic decision to sell its insurance subsidiary in fiscal Q4 2025 has allowed for a sharpened focus on core banking and wealth management services, leading to an 8.8% reduction in noninterest expense in fiscal Q2 2026 compared to the same period last year.

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    Stock Movement Drivers

    Fundamental Drivers

    The 15.5% change in TMP stock from 5/31/2026 to 9/12/2026 was primarily driven by a 10.2% change in the company's P/E Multiple.
    (LTM values as of)53120269122026Change
    Stock Price ($)85.5598.8315.5%
    Change Contribution By: 
    Total Revenues ($ Mil)2562611.7%
    Net Income Margin (%)65.4%67.3%2.9%
    P/E Multiple7.38.010.2%
    Shares Outstanding (Mil)14140.2%
    Cumulative Contribution15.5%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    5/31/2026 to 9/12/2026
    ReturnCorrelation
    TMP15.5% 
    Market (SPY)1.0%15.5%
    Sector (XLF)11.0%47.2%

    Fundamental Drivers

    The 30.8% change in TMP stock from 2/28/2026 to 9/12/2026 was primarily driven by a 19.8% change in the company's P/E Multiple.
    (LTM values as of)22820269122026Change
    Stock Price ($)75.5898.8330.8%
    Change Contribution By: 
    Total Revenues ($ Mil)2542612.5%
    Net Income Margin (%)63.4%67.3%6.1%
    P/E Multiple6.78.019.8%
    Shares Outstanding (Mil)14140.3%
    Cumulative Contribution30.8%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    2/28/2026 to 9/12/2026
    ReturnCorrelation
    TMP30.8% 
    Market (SPY)11.7%30.0%
    Sector (XLF)11.9%52.9%

    Fundamental Drivers

    The 45.6% change in TMP stock from 8/31/2025 to 9/12/2026 was primarily driven by a 165.9% change in the company's Net Income Margin (%).
    (LTM values as of)83120259122026Change
    Stock Price ($)67.8998.8345.6%
    Change Contribution By: 
    Total Revenues ($ Mil)314261-17.0%
    Net Income Margin (%)25.3%67.3%165.9%
    P/E Multiple12.28.0-34.1%
    Shares Outstanding (Mil)14140.2%
    Cumulative Contribution45.6%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    8/31/2025 to 9/12/2026
    ReturnCorrelation
    TMP45.6% 
    Market (SPY)19.5%29.1%
    Sector (XLF)7.3%53.1%

    Fundamental Drivers

    The 114.0% change in TMP stock from 8/31/2023 to 9/12/2026 was primarily driven by a 183.2% change in the company's Net Income Margin (%).
    (LTM values as of)83120239122026Change
    Stock Price ($)46.1898.83114.0%
    Change Contribution By: 
    Total Revenues ($ Mil)289261-9.9%
    Net Income Margin (%)23.8%67.3%183.2%
    P/E Multiple9.68.0-16.6%
    Shares Outstanding (Mil)14140.6%
    Cumulative Contribution114.0%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    8/31/2023 to 9/12/2026
    ReturnCorrelation
    TMP114.0% 
    Market (SPY)75.7%41.3%
    Sector (XLF)74.0%58.6%

    Return vs. Risk

    Price Returns Compared

     202120222023202420252026Total [1]
    Returns
    TMP Return22%-4%-19%18%11%39%71%
    Peers Return29%-0%-1%17%11%24%106%
    S&P 500 Return27%-19%24%23%16%11%102%

    Monthly Win Rates [3]
    TMP Win Rate58%50%50%50%58%78% 
    Peers Win Rate72%43%45%57%57%56% 
    S&P 500 Win Rate75%42%67%75%67%44% 

    Max Drawdowns [4]
    TMP Max Drawdown-20%-19%-39%-27%-23%-13% 
    Peers Max Drawdown-16%-20%-36%-19%-23%-16% 
    S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 

    [1] Cumulative total returns since the beginning of 2021
    [2] Peers: CBU, FNB, MTB, CHMG, AROW.
    [3] Win Rate = % of calendar months in which monthly returns were positive
    [4] Max drawdown represents maximum peak-to-trough decline within a year
    [5] 2026 data is for the year up to 9/11/2026 (YTD)

    How Low Can It Go

    EventTMPS&P 500
    2025 US Tariff Shock
      % Loss-20.7%-18.8%
      % Gain to Breakeven26.1%23.1%
      Time to Breakeven123 days79 days
    Summer-Fall 2023 Five Percent Yield Shock
      % Loss-18.8%-9.5%
      % Gain to Breakeven23.2%10.5%
      Time to Breakeven77 days24 days
    2023 SVB Regional Banking Crisis
      % Loss-33.2%-6.7%
      % Gain to Breakeven49.8%7.1%
      Time to Breakeven545 days31 days
    2022 Inflation Shock & Fed Tightening
      % Loss-16.8%-24.5%
      % Gain to Breakeven20.3%32.4%
      Time to Breakeven134 days427 days
    2020 COVID-19 Crash
      % Loss-28.9%-33.7%
      % Gain to Breakeven40.6%50.9%
      Time to Breakeven358 days140 days
    Q4 2018 Fed Policy Error / Growth Scare
      % Loss-13.1%-19.2%
      % Gain to Breakeven15.1%23.8%
      Time to Breakeven25 days105 days

    Compare to CBU, FNB, MTB, CHMG, AROW

    In The Past

    Tompkins Financial's stock fell -20.7% during the 2025 US Tariff Shock. Such a loss loss requires a 26.1% gain to breakeven.

    Preserve Wealth

    Limiting losses and compounding gains is essential to preserving wealth.

    Asset Allocation

    Actively managed asset allocation strategies protect wealth. Learn more.

    EventTMPS&P 500
    2025 US Tariff Shock
      % Loss-20.7%-18.8%
      % Gain to Breakeven26.1%23.1%
      Time to Breakeven123 days79 days
    2023 SVB Regional Banking Crisis
      % Loss-33.2%-6.7%
      % Gain to Breakeven49.8%7.1%
      Time to Breakeven545 days31 days
    2020 COVID-19 Crash
      % Loss-28.9%-33.7%
      % Gain to Breakeven40.6%50.9%
      Time to Breakeven358 days140 days
    2008-2009 Global Financial Crisis
      % Loss-20.1%-53.4%
      % Gain to Breakeven25.1%114.4%
      Time to Breakeven4 days1085 days

    Compare to CBU, FNB, MTB, CHMG, AROW

    In The Past

    Tompkins Financial's stock fell -20.7% during the 2025 US Tariff Shock. Such a loss loss requires a 26.1% gain to breakeven.

    Preserve Wealth

    Limiting losses and compounding gains is essential to preserving wealth.

    Asset Allocation

    Actively managed asset allocation strategies protect wealth. Learn more.

    About Tompkins Financial (TMP)

    Tompkins Financial Corporation (TMP) is a financial holding company based in Ithaca, New York, primarily serving individuals and businesses across New York and Pennsylvania. The company operates through three core segments: Banking, Insurance, and Wealth Management, providing a comprehensive suite of financial services to its clients.

    In its Banking segment, Tompkins Financial offers a broad range of commercial and consumer banking products. This includes accepting various deposit types such as checking, savings, and time deposits. On the lending side, it provides diverse loans including residential mortgages, commercial real estate loans, personal and auto loans, and financing for equipment and accounts receivable. The company also offers essential banking services like credit/debit cards, cash management, and digital banking solutions.

    Beyond traditional banking, Tompkins Financial's Wealth Management segment delivers investment management, trust and estate planning, and financial and tax planning services. Its Insurance segment offers a full spectrum of coverage, including property and casualty, life, health, disability, and long-term care insurance, along with employee benefit consulting. The company's primary customer base includes individuals, small business owners, corporate executives, and high net worth individuals.

    AI Analysis | Feedback

    A regional PNC Financial Services, operating across New York and Pennsylvania, providing a comprehensive range of banking, wealth management, and insurance.

    Imagine a community-focused Bank of America, offering banking, wealth management, and insurance, but concentrated on local clients in New York and Pennsylvania.

    AI Analysis | Feedback

    • Banking Services:
      • Deposit Accounts: Offers various checking, savings, time deposit, and IRA products, alongside money market deposits.
      • Business Loans: Provides financing for real estate, construction, equipment, accounts receivable, and general commercial and industrial needs.
      • Consumer Loans: Includes residential mortgages, home equity, personal, auto, and other installment loans for individuals.
      • Treasury & Digital Banking Services: Delivers cash management, letters of credit, credit/debit cards, and extensive online and mobile banking solutions.
    • Insurance Services: Offers property and casualty, medical, life, disability, and long-term care insurance, along with employee benefits consulting.
    • Wealth Management Services: Provides investment management, trust and estate administration, and financial and tax planning services.

    AI Analysis | Feedback

    Tompkins Financial (TMP) - Major Customers

    Tompkins Financial primarily serves the following categories of customers:

    • Individuals (general consumers)
    • Small business owners
    • High net worth individuals and corporate executives

    AI Analysis | Feedback

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    AI Analysis | Feedback

    Stephen S. Romaine President & Chief Executive Officer

    Stephen S. Romaine was appointed President and Chief Executive Officer of Tompkins Financial Corporation effective January 1, 2007. He has served as a director of the company since 2007. Prior to his current role, he served as President and Chief Executive Officer of Mahopac Bank from 2003 through 2006. Before that, he was Executive Vice President and Chief Financial Officer of Mahopac National Bank. Mr. Romaine currently serves on the boards of the New York Bankers Association and the Federal Home Loan Bank of New York.

    Matthew Tomazin Executive Vice President, Chief Financial Officer & Treasurer

    Matthew Tomazin was promoted to Executive Vice President, Chief Financial Officer, and Treasurer of Tompkins Financial effective October 1, 2023. He previously held the position of Senior Vice President and Treasurer of the company. Mr. Tomazin joined Tompkins in April 2019 as Vice President and Senior Quantitative Analyst. He brings over a decade of experience in bank financial management, including expertise in financial modeling, asset and liability management, profitability modeling, governance, controls, and strategic planning. From 2008 until April 2019, he served in accounting and strategic finance roles, most recently as Vice President and Assistant Treasurer with NBT Bancorp Inc.

    Francis M. Fetsko Director of Strategy Development (formerly Executive Vice President, Chief Operations Officer, Chief Financial Officer & Treasurer)

    Francis M. Fetsko joined Tompkins Financial in 1996 and served as Chief Financial Officer since December 2000, assuming the additional role of Chief Operating Officer in April 2012. He communicated his plans to retire from his CFO and COO roles in the fall of 2023 but agreed to remain with the company in a part-time capacity as Director of Strategy Development through the end of 2024.

    John M. McKenna Executive Vice President, President and Chief Executive Officer of Tompkins Community Bank

    John M. McKenna has served as President, Tompkins Community Bank since 2022. With over 30 years of experience in the banking industry, Mr. McKenna joined Tompkins in 2009, initially focusing on commercial lending. He previously spent approximately 17 years with JPMorgan Chase Bank and its predecessors, and 4 years with Citibank, gaining experience in investment banking, commercial lending, and retail banking. He rose to the position of Managing Director within the syndicated and leveraged finance group of JPMorgan Securities, Inc.

    Brian A. Howard Executive Vice President, President of Tompkins Financial Advisors

    Brian A. Howard was appointed President of Tompkins Financial Advisors and Executive Vice President of Tompkins Financial Corporation effective July 25, 2016. He has over 30 years of leadership experience within nationally recognized financial service firms. Before joining Tompkins, he was a senior vice president, market manager for Key Bank, where he oversaw the full-service wealth management division for high-net-worth clients in the Central New York region.

    AI Analysis | Feedback

    1. Interest Rate Risk: As a financial institution, Tompkins Financial's profitability is highly sensitive to fluctuations in interest rates. Changes in the interest rate environment can impact the net interest margin, affecting the difference between the interest earned on assets (like loans) and the interest paid on liabilities (like deposits).
    2. Credit Risk: Tompkins Financial offers a diverse range of loans, including commercial, residential, agriculture, and consumer loans. A downturn in economic conditions, whether regional or national, or specific sector stresses (e.g., in real estate or agriculture), could lead to increased loan defaults and credit losses, significantly impacting the company's financial performance and asset quality.
    3. Regulatory and Compliance Risk: Operating in the heavily regulated financial services industry, Tompkins Financial is subject to extensive banking laws and regulations. Changes in regulatory requirements, increased compliance costs, or failure to comply with existing regulations could result in significant penalties, reputational damage, and restrictions on business operations.

    AI Analysis | Feedback

    The emergence and proliferation of digital-first financial technology (fintech) companies and online-only service providers represent a clear emerging threat. These competitors offer streamlined, often lower-cost, and digitally convenient alternatives across all of Tompkins Financial's segments, including banking (e.g., digital-only banks, online lenders, payment apps), wealth management (e.g., robo-advisors), and insurance (e.g., online-only insurers). This trend challenges the traditional branch-heavy and full-service model, potentially leading to customer attrition and market share erosion for Tompkins Financial.

    AI Analysis | Feedback

    Tompkins Financial Corporation (symbol: TMP) operates in several addressable markets across the United States, primarily focusing on banking, leasing, and wealth management services. The company recently divested its insurance segment in October 2025, refocusing on its core banking and wealth management operations.

    Addressable Markets for Tompkins Financial's Main Products and Services:

    • Commercial Banking: The U.S. commercial banking market size is estimated at USD 765.53 billion in 2026, with projections to reach USD 954.48 billion by 2031.
    • Consumer Banking (Retail Banking): The United States retail banking market was valued at USD 870 billion in 2025 and is estimated to grow to USD 906.3 billion in 2026, with projections to reach USD 1,112.2 billion by 2031.
    • Leasing (Equipment Leasing): The equipment leasing and finance industry in the United States reached a record high of USD 1.34 trillion in 2023.
    • Trust, Investment Management, Financial Planning, and Wealth Management (Financial Advisory Services): The financial advisory market in the U.S. is projected to expand from USD 219.48 billion in 2025 to USD 274.64 billion by 2029.

    AI Analysis | Feedback

    Tompkins Financial Corporation (TMP) anticipates several key drivers for future revenue growth over the next two to three years.

    1. Loan and Deposit Growth: The company continues to prioritize and achieve growth in its loan and deposit portfolios, which directly contributes to increased net interest income. For example, total loans increased by 7.1% and total deposits rose by 7.2% from the end of 2024 to the end of 2025. Management commentary consistently highlights strong loan and deposit growth as a factor in positive financial results.
    2. Net Interest Margin (NIM) Expansion and Optimized Securities Portfolio: Tompkins Financial has been improving its net interest margin through higher yields on interest-earning assets, stable funding costs, and growth in average loans. Additionally, the company expects to favorably impact future securities revenue by selling low-yield securities and reinvesting at higher yields.
    3. Expansion of Fee-Based Income: A strategic focus for Tompkins Financial is to grow noninterest income, particularly from its wealth management and insurance services. Management targets mid- to high-single-digit annual growth in wealth and insurance fees through 2026 to diversify revenue streams and offset interest rate volatility. The launch of packaged small-business solutions is also expected to increase interchange and treasury fees.
    4. Strategic Market Expansion and Acquisitions: Tompkins Financial is pursuing a growth strategy that includes both organic expansion and strategic acquisitions within its core markets in central New York, the Hudson Valley, and southeastern Pennsylvania. This approach aims to strengthen its existing market presence, deepen customer relationships, and diversify revenue streams by accessing new customers.
    5. Leveraging Balance Sheet Restructuring and Capital: The recent balance sheet restructuring and the capital generated from the sale of Tompkins Insurance Agencies (TIA) are expected to provide momentum for strategic investments in 2026. This includes leveraging the improved yield from its repositioned securities portfolio to support future growth.

    AI Analysis | Feedback

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    Share Repurchases

    • Tompkins Financial Corporation authorized a new stock repurchase program of up to 400,000 shares on July 21, 2023, replacing a previous program from October 22, 2021. This program is projected to be completed over the subsequent 24 months.
    • During the fourth quarter of 2025, the company repurchased 22,339 shares of common stock for an aggregate cost of $1.6 million under its 2025 Stock Repurchase Plan.
    • By the end of 2025, a total of 22,339 shares had been repurchased under a plan that permits the repurchase of up to 400,000 shares over a 24-month period.

    Share Issuance

    • No specific dollar amount of shares issued was directly available in the provided information for the last 3-5 years.

    Outbound Investments

    • In 2025, Tompkins Financial completed the sale of its wholly-owned subsidiary, Tompkins Insurance Agencies, Inc., to Arthur J. Gallagher & Co. for approximately $223.0 million in cash. This transaction generated a pre-tax gain of $188.2 million and was a strategic move to refocus on core banking and wealth management operations.
    • The company repositioned its securities portfolio in the fourth quarter of 2025 by selling $564.2 million of available-for-sale debt securities, incurring a pre-tax loss of $78.7 million, and subsequently reinvested the proceeds into higher-yielding securities.

    Capital Expenditures

    • Information regarding the specific dollar value of Tompkins Financial's capital expenditures for the last 3-5 years, or expected capital expenditures for the upcoming year, was not available.
    ```

    Peer Outperformance in Regional Banks

    TMP has trailed 59% of its 264 Regional Banks peers over 5Y. Regional Banks ranks 6th of 18 industries in Financials by median 5Y return.
    Share of Regional Banks constituents that TMP has outperformed, by holding period. Peers without a full price history over a given window are excluded from that window.
    1Y
    87%
    of 287 industry peers · 47.1% return
    3Y
    80%
    of 276 industry peers · 125.7% return
    5Y
    41%
    of 264 industry peers · 54.0% return
    null
    Median price return by industry across the Financials sector, ranked by 5Y. Regional Banks is TMP's own industry. Use this to see which corners of the sector have carried the returns.
    Industry Names 1Y med3Y med5Y med Top 3 by 5Y
    Investment Banking & Brokerage 13 4.4%115.9%133.5% IBKR 504% · SNEX 259% · GS 184%
    Reinsurance 6 18.8%75.0%128.6% SPNT 164% · RGA 139% · RNR 130%
    Diversified Banks 12 37.8%130.5%117.6% JPM 153% · CM 150% · RY 141%
    Life & Health Insurance 20 8.2%55.1%98.8% JXN 535% · UNM 318% · FG 203%
    Multi-Sector Holdings 4 3.5%56.7%80.3% JONE 361% · BRK-B 82% · VOYA 78%
    Regional Banks ← 265 26.8%88.4%67.0% GCBC 365% · ESQ 361% · VBNK 332%
    Property & Casualty Insurance 42 9.4%71.1%65.5% ASIC 2746900% · HRTG 461% · UVE 304%
    Multi-line Insurance 9 8.9%79.6%60.7% GNW 185% · L 105% · SLF 90%
    Financial Exchanges & Data 15 -6.5%13.6%30.1% VIRT 207% · CBOE 141% · CME 80%
    Consumer Finance 30 5.7%90.3%29.6% ENVA 588% · EZPW 373% · FCFS 176%
    Diversified Financial Services 4 0.9%12.2%22.0% FRHC 171% · EQH 102% · TMS -58%
    Insurance Brokers 16 -17.9%-3.4%18.7% LIFE 340% · ARX 89% · AJG 75%
    Asset Management & Custody Banks 83 -10.8%14.5%13.3% WT 326% · SII 288% · VCTR 281%
    Commercial & Residential Mortgage Finance 12 -48.2%30.3%1.8% FNMA 468% · FMCC 441% · ESNT 65%
    Specialized Finance 3 27.4%41.6%-1.5% EFC 30% · CACC -1% · HASI -15%
    Mortgage REITs 33 -13.2%9.8%-14.7% NREF 52% · RITM 47% · DX 36%
    Diversified Capital Markets 21 -33.6%5.8%-35.8% BTCS 569% · OPY 212% · LPLA 150%
    Transaction & Payment Processing Services 15 2.2%-8.2%-43.1% V 71% · MA 69% · CPAY 57%
    Median of constituents with a full price history over each window. Top names are unfiltered by size in this render.

    Latest Trefis Analyses

    Title
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    More From Trefis

    Research & Analysis

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    Peer Comparisons

    Peers to compare with:

    Financials

    TMPCBUFNBMTBCHMGAROWMedian
    NameTompkins.Communit.F N B M&T Bank Chemung .Arrow Fi. 
    Mkt Price98.8362.5418.31239.8385.1039.1573.82
    Mkt Cap1.43.36.535.00.40.62.3
    Rev LTM2618601,8289,823119175560
    Op Inc LTM-------
    FCF LTM482476223,5954545147
    FCF 3Y Avg722185003,4943428145
    CFO LTM573087043,8044752183
    CFO 3Y Avg792596023,7043634169

    Growth & Margins

    TMPCBUFNBMTBCHMGAROWMedian
    NameTompkins.Communit.F N B M&T Bank Chemung .Arrow Fi. 
    Rev Chg LTM-17.0%10.2%11.8%4.7%40.5%16.9%11.0%
    Rev Chg 3Y Avg0.2%9.7%4.3%0.9%8.7%7.2%5.7%
    Rev Chg Q5.4%12.2%5.5%4.1%213.2%10.1%7.8%
    QoQ Delta Rev Chg LTM1.7%2.9%1.3%1.0%21.3%2.4%2.1%
    Op Inc Chg LTM-------
    Op Inc Chg 3Y Avg-------
    Op Mgn LTM-------
    Op Mgn 3Y Avg-------
    QoQ Delta Op Mgn LTM-------
    CFO/Rev LTM21.9%35.8%38.5%38.7%39.4%29.7%37.2%
    CFO/Rev 3Y Avg30.4%32.9%35.9%39.2%35.4%21.3%34.1%
    FCF/Rev LTM18.3%28.7%34.0%36.6%38.1%25.5%31.4%
    FCF/Rev 3Y Avg27.7%27.8%29.8%37.0%33.3%17.3%28.8%

    Valuation

    TMPCBUFNBMTBCHMGAROWMedian
    NameTompkins.Communit.F N B M&T Bank Chemung .Arrow Fi. 
    Mkt Cap1.43.36.535.00.40.62.3
    P/S5.43.83.63.63.43.73.6
    P/Op Inc-------
    P/EBIT-------
    P/E8.014.410.811.512.112.511.8
    P/CFO24.710.79.39.28.712.410.0
    Total Yield15.1%9.9%12.0%11.3%9.9%11.0%11.1%
    Dividend Yield2.7%3.0%2.7%2.6%1.6%3.0%2.7%
    FCF Yield 3Y Avg8.4%7.3%8.8%11.8%12.4%5.2%8.6%
    D/E0.40.20.60.50.40.50.5
    Net D/E-0.4-0.7-0.2-0.7-0.4-0.6-0.5

    Returns

    TMPCBUFNBMTBCHMGAROWMedian
    NameTompkins.Communit.F N B M&T Bank Chemung .Arrow Fi. 
    1M Rtn-2.3%-4.8%-4.6%-4.7%1.9%0.3%-3.4%
    3M Rtn8.2%-4.8%-1.1%4.1%17.9%-1.0%1.5%
    6M Rtn35.6%10.6%17.3%23.8%60.6%22.5%23.2%
    12M Rtn47.1%8.7%14.9%24.1%65.7%39.7%31.9%
    3Y Rtn125.7%59.1%79.6%108.6%130.6%152.7%117.1%
    1M Excs Rtn-0.3%-2.8%-3.1%-3.6%3.5%1.2%-1.5%
    3M Excs Rtn5.6%-7.2%-2.7%2.4%14.5%-0.0%1.2%
    6M Excs Rtn20.1%-3.8%0.9%7.9%44.8%6.9%7.4%
    12M Excs Rtn30.5%-8.1%-2.2%7.3%48.6%21.9%14.6%
    3Y Excs Rtn50.7%-17.3%6.5%44.6%64.5%92.3%47.7%

    Comparison Analyses

    null

    Financials

    $ Mil | FY: 12/312026Q22026Q12025Q42025Q32025Q22025Q12024Q42024Q32024Q22024Q12023Q42023Q3
    Period End6/30/20263/31/202612/31/20259/30/20256/30/20253/31/202512/31/20249/30/20246/30/20243/31/202412/31/20239/30/2023
    Filing Date7/31/20265/5/20262/26/202610/28/20258/5/20255/6/20252/28/202511/6/20248/8/20245/8/20242/29/202411/8/2023
    Key Financials Quarterly            
    Total Revenue8784287838273777373708
    Net Income2926962421202019161715-33
    EPS2.061.836.741.661.511.381.381.311.101.191.06-2.35
    Key Financials TTM            
    Total Revenue TTM261256254325314304295292224215216220
    Net Income TTM17516716184797471661471014
    Growth Rates Quarterly            
    Total Revenue Growth5.4%2.4%-96.9%14.2%13.6%12.2%4.1%819.3%14.7%-1.1%-6.0%-89.3%
    Net Income Growth36.5%32.5%389.6%27.0%36.9%16.6%31.0%155.9%85.0%-12.9%-23.3%-256.3%
    Margins Quarterly            
    Net Income Margin33.6%31.2%4190.2%27.1%26.0%24.1%26.9%24.3%21.6%23.2%21.4%-400.4%
    Cash & Debt            
    Total Cash1,1341,1621,1081,0491,0521,0339331,4421,3881,4231,4961,529
    Total Debt546449564445673493790539774523602297
    Net Debt / (Cash)-588-712-544-604-380-540-143-902-615-901-894-1,232
    Cash Flows Quarterly            
    FCF from Operations-1573-37361822232127231925
    Cash Flows TTM            
    FCF from Operations TTM579039998594959195898991
    Returns to Shareholders Quarterly            
    Dividends101010999999989
    Share Repurchases12-0-0-0-0-0-0-0-002
    Return on Invested Capital (ROIC) Quarterly            
    ROIC------295.7%-----
    Return on Invested Capital (ROIC) TTM            
    ROIC TTM------266.5%-----

    Segment Financials

    Revenue by Segment
    $ Mil20252024202320222021
    Banking391241166256250
    Insurance3640383735
    Wealth Management2120181820
    Intercompany-2-2-2-2-2
    Total447299220308303


    Operating Income by Segment
    $ Mil20152014201320122009
    Banking7768635142
    Insurance6554 
    Wealth Management5444 
    Intercompany000  
    Intercompany & Merger   -16 
    Financial Services    5
    Total8878724347


    Net Income by Segment
    $ Mil20252024202320222021
    Banking1505907578
    Insurance88776
    Wealth Management34335
    Intercompany00000
    Total16171108589


    Assets by Segment
    $ Mil20252024202320222021
    Banking8,6398,0487,7607,6117,795
    Wealth Management2929292934
    Insurance047444543
    Intercompany0-15-14-14-51
    Total8,6688,1097,8207,6717,820


    Price Behavior

    Price Behavior
    Market Price$98.83 
    Market Cap ($ Bil)1.4 
    First Trading Date03/28/1990 
    Distance from 52W High-2.4% 
       50 Days200 Days
    DMA Price$96.85$83.67
    DMA Trendupup
    Distance from DMA2.0%18.1%
     3M1YR
    Volatility27.0%27.7%
    Downside Capture54.2448.36
    Upside Capture84.8584.52
    Correlation (SPY)16.7%28.9%
    TMP Betas & Captures as of 8/31/2026

     1M2M3M6M1Y3Y
    Beta0.390.560.250.530.620.94
    Up Beta0.87-0.34-0.540.340.710.97
    Down Beta-0.830.10-0.090.150.400.84
    Up Capture4%99%92%89%74%106%
    Bmk +ve Days10213268138427
    Stock +ve Days9183468128376
    Down Capture63%107%38%56%59%98%
    Bmk -ve Days11213259113324
    Stock -ve Days11232958122371

    [1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
    Based On 1-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with TMP
    TMP48.0%27.7%1.39-
    Sector ETF (XLF)9.0%14.6%0.3753.0%
    Equity (SPY)18.3%12.8%1.0329.0%
    Gold (GLD)19.0%29.2%0.59-7.2%
    Commodities (DBC)48.3%20.6%1.80-27.8%
    Real Estate (VNQ)7.6%13.6%0.2944.3%
    Bitcoin (BTCUSD)-32.4%43.8%-0.776.7%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 5-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with TMP
    TMP8.3%32.6%0.29-
    Sector ETF (XLF)10.2%18.4%0.4258.7%
    Equity (SPY)12.5%17.2%0.5543.7%
    Gold (GLD)18.7%18.8%0.81-4.2%
    Commodities (DBC)11.4%19.5%0.462.4%
    Real Estate (VNQ)0.7%18.9%-0.0744.6%
    Bitcoin (BTCUSD)9.4%52.6%0.3619.0%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 10-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with TMP
    TMP6.2%33.8%0.26-
    Sector ETF (XLF)13.2%22.1%0.5464.9%
    Equity (SPY)15.2%17.9%0.7250.1%
    Gold (GLD)12.3%16.3%0.62-6.1%
    Commodities (DBC)8.7%18.1%0.3911.5%
    Real Estate (VNQ)4.7%20.7%0.1946.1%
    Bitcoin (BTCUSD)63.2%66.2%1.0315.0%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How

    Short Interest

    Short Interest: As Of Date8312026
    Short Interest: Shares Quantity0.3 Mil
    Short Interest: % Change Since 81520266.8%
    Average Daily Volume0.1 Mil
    Days-to-Cover Short Interest2.9 days
    Basic Shares Quantity14.2 Mil
    Short % of Basic Shares2.1%

    Returns Analyses

    Earnings Returns History

    Updated 8/26/2026
    Expand for More
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    7/24/20269.1%7.3%6.4%
    4/24/2026-2.8%-0.5%2.1%
    1/30/20264.4%10.1%3.0%
    10/24/20251.7%-0.5%6.6%
    7/25/20251.5%2.2%12.3%
    4/25/2025-0.7%0.7%2.6%
    10/25/2024-1.8%4.3%24.1%
    7/26/20240.3%-4.7%-1.7%
    ...
    SUMMARY STATS   
    # Positive81717
    # Negative1566
    Median Positive1.9%2.8%5.2%
    Median Negative-1.1%-4.4%-5.3%
    Max Positive9.1%10.1%24.1%
    Max Negative-4.9%-9.8%-10.5%
     Collapse to Preview
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    7/24/20269.1%7.3%6.4%
    4/24/2026-2.8%-0.5%2.1%
    1/30/20264.4%10.1%3.0%
    10/24/20251.7%-0.5%6.6%
    7/25/20251.5%2.2%12.3%
    4/25/2025-0.7%0.7%2.6%
    10/25/2024-1.8%4.3%24.1%
    7/26/20240.3%-4.7%-1.7%
    4/26/20241.0%2.1%3.1%
    1/26/2024-0.9%-9.8%-10.5%
    10/27/2023-1.8%4.1%6.7%
    7/21/2023-1.6%1.1%-8.4%
    4/28/2023-0.6%-6.1%-7.0%
    1/27/2023-1.4%4.1%0.0%
    10/28/2022-0.4%0.8%-0.7%
    7/22/2022-1.1%3.0%5.2%
    5/2/2022-0.4%0.8%0.9%
    1/28/2022-0.0%0.6%-3.6%
    10/22/20212.2%0.2%2.7%
    7/23/20212.0%3.5%8.8%
    4/30/2021-0.3%2.8%4.2%
    1/29/2021-4.9%3.2%15.6%
    10/23/2020-1.1%-4.0%16.4%
    SUMMARY STATS   
    # Positive81717
    # Negative1566
    Median Positive1.9%2.8%5.2%
    Median Negative-1.1%-4.4%-5.3%
    Max Positive9.1%10.1%24.1%
    Max Negative-4.9%-9.8%-10.5%

    SEC Filings

    Expand for More
    Report DateFiling DateFiling
    06/30/202607/31/202610-Q
    03/31/202605/05/202610-Q
    12/31/202502/26/202610-K
    09/30/202510/28/202510-Q
    06/30/202508/05/202510-Q
    03/31/202505/06/202510-Q
    12/31/202402/28/202510-K
    09/30/202411/06/202410-Q
    06/30/202408/08/202410-Q
    03/31/202405/08/202410-Q
    12/31/202302/29/202410-K
    09/30/202311/08/202310-Q
    06/30/202308/09/202310-Q
    03/31/202305/10/202310-Q
    12/31/202203/01/202310-K
    09/30/202211/07/202210-Q
     Collapse to Preview
    Report DateFiling DateFiling
    06/30/202607/31/202610-Q
    03/31/202605/05/202610-Q
    12/31/202502/26/202610-K
    09/30/202510/28/202510-Q
    06/30/202508/05/202510-Q
    03/31/202505/06/202510-Q
    12/31/202402/28/202510-K
    09/30/202411/06/202410-Q
    06/30/202408/08/202410-Q
    03/31/202405/08/202410-Q
    12/31/202302/29/202410-K
    09/30/202311/08/202310-Q
    06/30/202308/09/202310-Q
    03/31/202305/10/202310-Q
    12/31/202203/01/202310-K
    09/30/202211/07/202210-Q
    06/30/202208/08/202210-Q
    03/31/202205/09/202210-Q
    12/31/202103/01/202210-K
    09/30/202111/08/202110-Q
    06/30/202108/09/202110-Q
    03/31/202105/07/202110-Q
    12/31/202003/01/202110-K
    09/30/202011/09/202010-Q
    06/30/202008/10/202010-Q
    03/31/202005/11/202010-Q
    12/31/201903/02/202010-K
    09/30/201911/12/201910-Q

    Insider Activity

    Updated 9/4/2026
    Expand for More
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Rahilly, Ita M DirectBuy526202685.901,164100,0001,017,863Form
    2Rahilly, Ita M DirectBuy1124202568.361,463100,000718,546Form
     Collapse to Preview
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Rahilly, Ita M DirectBuy526202685.901,164100,0001,017,863Form
    2Rahilly, Ita M DirectBuy1124202568.361,463100,000718,546Form

    Investor Activity (13F)

    Updated Sep 13, 2026
    13F holdings as of Mar 31, 2026 (Q1 2026)

    Active managers (13F portfolio over $250M, at least 3 holdings) with a position over $5M that is either over 10% of their portfolio or held in a concentrated book of 50 or fewer total positions. Index/ETF, sovereign, bank, community-bank and charitable/donor-advised filers are excluded.

    Active ManagerValue% of PortfolioTotal PositionsQoQFiling
    Rhino Investment Partners, Inc$13.2 Mil3.7%39ADD +88.5%13F
    Active ManagerValue% of PortfolioTotal PositionsQoQFiling
    Rhino Investment Partners, Inc$13.2 Mil3.7%39ADD +88.5%13F
    Active Manager
    Active ManagerValue% of PortfolioTotal PositionsQoQFiling
    Rhino Investment Partners, Inc$13.2 Mil3.7%39ADD +88.5%13F

    Industry Resources

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