Tompkins Financial (TMP)


Market Price (7/25/2026): $0 | Market Cap: $-Sector: Financials | Industry: Regional Banks

Tompkins Financial (TMP)


Market Price (7/25/2026): $0
Market Cap: $-
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 14%, Dividend Yield is 2.6%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 9.9%, FCF Yield is 5.7%

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 -49%

Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 35%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 32%

Low stock price volatility
Vol 12M is 30%

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 0.0%, Dist 3Y High is 0.0%

Weak revenue growth
Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is -16%, Rev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -1.0%

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 14%, Dividend Yield is 2.6%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 9.9%, FCF Yield is 5.7%
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 -49%
2 Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 35%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 32%
3 Low stock price volatility
Vol 12M is 30%
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 0.0%, Dist 3Y High is 0.0%
6 Weak revenue growth
Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is -16%, Rev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -1.0%
7 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%
VB0.01%
KRE0.16%
VIOV0.13%
IJS0.13%
+10 more covered ETFs

Valuation & Metrics

Price Chart

Why The Stock Moved

Qualitative Assessment

AI Analysis | Feedback

Updated on 7/24/2026

Tompkins Financial (TMP) stock has gained about 30% since 3/31/2026 because of the following key factors:

1. Tompkins Financial reported record diluted earnings per share (EPS) of $2.04 for fiscal Q2 2026, surpassing analyst estimates of $1.82 by over 12% and marking its third consecutive quarter of record earnings. Net income also rose 36.5% year-over-year to $29.3 million.

2. The company achieved significant net interest margin (NIM) expansion, reaching 3.58% in fiscal Q2 2026, a 50 basis point increase from fiscal Q2 2025. This growth was primarily due to improved yields on interest-earning assets and effective management of funding costs, contributing to a 23.0% year-over-year increase in net interest income to $74.0 million.

Show more
Updated on 7/24/2026

Tompkins Financial (TMP) stock has gained about 30% since 3/31/2026 because of the following key factors:

1. Tompkins Financial reported record diluted earnings per share (EPS) of $2.04 for fiscal Q2 2026, surpassing analyst estimates of $1.82 by over 12% and marking its third consecutive quarter of record earnings. Net income also rose 36.5% year-over-year to $29.3 million.

2. The company achieved significant net interest margin (NIM) expansion, reaching 3.58% in fiscal Q2 2026, a 50 basis point increase from fiscal Q2 2025. This growth was primarily due to improved yields on interest-earning assets and effective management of funding costs, contributing to a 23.0% year-over-year increase in net interest income to $74.0 million.

3. Tompkins Financial demonstrated healthy loan growth, with total loans increasing by $119.2 million, or 1.8%, from March 31, 2026, to June 30, 2026. This growth was concentrated mainly in the commercial real estate and commercial and industrial portfolios, indicating robust demand for credit.

4. The Board of Directors approved an increased quarterly cash dividend of $0.70 per share, representing a 4.5% rise over the previous quarter's dividend. This move signals management's confidence in the company's strong financial stability and future earnings prospects, enhancing shareholder returns.

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Stock Movement Drivers

Fundamental Drivers

The 29.3% change in TMP stock from 3/31/2026 to 7/24/2026 was primarily driven by a 24.2% change in the company's P/E Multiple.
(LTM values as of)33120267242026Change
Stock Price ($)78.22101.1229.3%
Change Contribution By: 
Total Revenues ($ Mil)2542560.8%
Net Income Margin (%)63.4%65.4%3.2%
P/E Multiple6.98.624.2%
Shares Outstanding (Mil)14140.1%
Cumulative Contribution29.3%

LTM = Last Twelve Months as of date shown

Market Drivers

3/31/2026 to 7/24/2026
ReturnCorrelation
TMP29.3% 
Market (SPY)13.6%20.7%
Sector (XLF)14.1%52.0%

Fundamental Drivers

The 41.7% change in TMP stock from 12/31/2025 to 7/24/2026 was primarily driven by a 151.5% change in the company's Net Income Margin (%).
(LTM values as of)123120257242026Change
Stock Price ($)71.38101.1241.7%
Change Contribution By: 
Total Revenues ($ Mil)325256-21.2%
Net Income Margin (%)26.0%65.4%151.5%
P/E Multiple12.08.6-28.5%
Shares Outstanding (Mil)14140.0%
Cumulative Contribution41.7%

LTM = Last Twelve Months as of date shown

Market Drivers

12/31/2025 to 7/24/2026
ReturnCorrelation
TMP41.7% 
Market (SPY)8.7%27.7%
Sector (XLF)3.3%51.9%

Fundamental Drivers

The 67.0% change in TMP stock from 6/30/2025 to 7/24/2026 was primarily driven by a 170.0% change in the company's Net Income Margin (%).
(LTM values as of)63020257242026Change
Stock Price ($)60.53101.1267.0%
Change Contribution By: 
Total Revenues ($ Mil)304256-15.8%
Net Income Margin (%)24.2%65.4%170.0%
P/E Multiple11.78.6-26.5%
Shares Outstanding (Mil)14140.0%
Cumulative Contribution67.0%

LTM = Last Twelve Months as of date shown

Market Drivers

6/30/2025 to 7/24/2026
ReturnCorrelation
TMP67.0% 
Market (SPY)20.6%32.1%
Sector (XLF)8.8%53.6%

Fundamental Drivers

The 104.7% change in TMP stock from 6/30/2023 to 7/24/2026 was primarily driven by a 143.3% change in the company's Net Income Margin (%).
(LTM values as of)63020237242026Change
Stock Price ($)49.40101.12104.7%
Change Contribution By: 
Total Revenues ($ Mil)302256-15.2%
Net Income Margin (%)26.9%65.4%143.3%
P/E Multiple8.78.6-1.3%
Shares Outstanding (Mil)14140.5%
Cumulative Contribution104.7%

LTM = Last Twelve Months as of date shown

Market Drivers

6/30/2023 to 7/24/2026
ReturnCorrelation
TMP104.7% 
Market (SPY)72.6%41.4%
Sector (XLF)74.5%59.0%

Return vs. Risk

Price Returns Compared

 202120222023202420252026Total [1]
Returns
TMP Return22%-4%-19%18%11%30%60%
Peers Return29%-0%-1%17%11%23%104%
S&P 500 Return27%-19%24%23%16%8%97%

Monthly Win Rates [3]
TMP Win Rate58%50%50%50%58%71% 
Peers Win Rate72%43%45%57%57%57% 
S&P 500 Win Rate75%42%67%75%67%43% 

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 7/24/2026 (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.

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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

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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.
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Recent Active Movers

Peer Comparisons

Peers to compare with:

Financials

TMPCBUFNBMTBCHMGAROWMedian
NameTompkins.Communit.F N B M&T Bank Chemung .Arrow Fi. 
Mkt Price101.1267.2419.05249.6080.9839.4574.11
Mkt Cap1.43.56.837.20.40.62.5
Rev LTM2568361,8049,72498171546
Op Inc LTM-------
FCF LTM822424663,1664641162
FCF 3Y Avg842174543,4823327151
CFO LTM903115693,3804746200
CFO 3Y Avg912565603,7013533173

Growth & Margins

TMPCBUFNBMTBCHMGAROWMedian
NameTompkins.Communit.F N B M&T Bank Chemung .Arrow Fi. 
Rev Chg LTM-15.8%9.2%12.8%4.5%0.0%18.3%6.9%
Rev Chg 3Y Avg-1.0%9.1%5.4%2.8%0.2%5.6%4.1%
Rev Chg Q2.4%8.8%9.5%4.4%16.3%14.2%9.2%
QoQ Delta Rev Chg LTM0.8%2.1%2.2%1.1%4.4%3.4%2.2%
Op Inc Chg LTM-------
Op Inc Chg 3Y Avg-------
Op Mgn LTM-------
Op Mgn 3Y Avg-------
QoQ Delta Op Mgn LTM-------
CFO/Rev LTM35.2%37.2%31.5%34.8%48.3%27.1%35.0%
CFO/Rev 3Y Avg35.9%33.1%34.0%39.0%35.7%21.3%34.8%
FCF/Rev LTM32.1%28.9%25.8%32.6%46.8%24.2%30.5%
FCF/Rev 3Y Avg33.2%28.3%27.5%36.7%33.8%17.6%30.7%

Valuation

TMPCBUFNBMTBCHMGAROWMedian
NameTompkins.Communit.F N B M&T Bank Chemung .Arrow Fi. 
Mkt Cap1.43.56.837.20.40.62.5
P/S5.64.23.83.83.93.83.9
P/Op Inc-------
P/EBIT-------
P/E8.616.211.712.721.112.612.7
P/CFO16.011.412.011.08.113.911.7
Total Yield14.2%8.9%11.1%10.3%6.4%10.9%10.6%
Dividend Yield2.6%2.8%2.5%2.4%1.7%3.0%2.5%
FCF Yield 3Y Avg9.3%7.3%8.2%11.7%12.0%5.1%8.7%
D/E0.30.10.50.50.30.00.3
Net D/E-0.5-0.7-0.4-0.6-0.5-1.3-0.5

Returns

TMPCBUFNBMTBCHMGAROWMedian
NameTompkins.Communit.F N B M&T Bank Chemung .Arrow Fi. 
1M Rtn8.8%1.0%0.4%7.0%8.8%-2.3%4.0%
3M Rtn23.8%8.7%9.5%16.9%21.8%10.3%13.6%
6M Rtn36.3%10.1%13.0%18.4%44.2%22.7%20.5%
12M Rtn65.6%27.4%25.8%32.7%57.0%51.3%42.0%
3Y Rtn93.7%47.2%67.6%99.4%113.9%130.0%96.6%
1M Excs Rtn8.1%0.2%-0.4%6.3%8.1%-3.0%3.3%
3M Excs Rtn16.0%3.0%3.4%10.1%18.5%4.6%7.4%
6M Excs Rtn22.7%-1.0%0.2%9.2%32.9%11.3%10.2%
12M Excs Rtn44.4%8.7%5.1%14.7%38.7%36.6%25.6%
3Y Excs Rtn25.9%-13.7%3.4%36.7%57.4%45.8%31.3%

Comparison Analyses

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Financials

Segment Financials

Revenue by Segment
$ Mil20252024202320222021
Banking391241166256267
Insurance3640383735
Wealth Management2120181820
Intercompany-2-2-2-2-2
Total447299220308320


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
Intercompany0000 
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$101.12 
Market Cap ($ Bil)1.4 
First Trading Date03/28/1990 
Distance from 52W High0.0% 
   50 Days200 Days
DMA Price$90.02$78.25
DMA Trendupup
Distance from DMA12.3%29.2%
 3M1YR
Volatility29.5%29.7%
Downside Capture33.0150.72
Upside Capture128.28100.81
Correlation (SPY)15.5%32.9%
TMP Betas & Captures as of 6/30/2026

 1M2M3M6M1Y3Y
Beta0.020.260.460.580.760.96
Up Beta-0.820.050.580.741.120.97
Down Beta0.070.15-0.080.350.560.85
Up Capture83%74%78%82%85%109%
Bmk +ve Days11244067140429
Stock +ve Days15243867132376
Down Capture-25%0%27%39%59%100%
Bmk -ve Days10172358112321
Stock -ve Days6172558120372

[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
TMP61.3%29.8%1.60-
Sector ETF (XLF)7.3%14.6%0.2752.5%
Equity (SPY)17.6%12.7%1.0031.3%
Gold (GLD)19.2%28.1%0.61-5.5%
Commodities (DBC)34.7%19.1%1.42-22.7%
Real Estate (VNQ)13.8%14.1%0.6941.4%
Bitcoin (BTCUSD)-45.4%42.9%-1.2913.2%

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Based On 5-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with TMP
TMP9.9%32.8%0.34-
Sector ETF (XLF)11.1%18.5%0.4659.0%
Equity (SPY)12.8%17.1%0.5843.9%
Gold (GLD)17.0%18.4%0.75-3.6%
Commodities (DBC)9.6%19.5%0.384.0%
Real Estate (VNQ)3.0%18.9%0.0644.9%
Bitcoin (BTCUSD)15.7%53.4%0.4719.7%

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
TMP7.2%33.8%0.29-
Sector ETF (XLF)13.4%22.0%0.5664.9%
Equity (SPY)14.9%17.9%0.7150.1%
Gold (GLD)11.3%16.1%0.57-6.2%
Commodities (DBC)7.2%17.9%0.3211.9%
Real Estate (VNQ)5.2%20.7%0.2146.1%
Bitcoin (BTCUSD)58.3%66.2%0.9815.1%

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

Short Interest

Short Interest: As Of Date7152026
Short Interest: Shares Quantity0.3 Mil
Short Interest: % Change Since 6302026-8.1%
Average Daily Volume0.1 Mil
Days-to-Cover Short Interest3.3 days
Basic Shares Quantity14.3 Mil
Short % of Basic Shares1.9%

Earnings Returns History

Updated 7/24/2026
Expand for More
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
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%
...
SUMMARY STATS   
# Positive71717
# Negative1666
Median Positive1.7%2.2%4.2%
Median Negative-1.1%-4.4%-5.3%
Max Positive4.4%10.1%24.1%
Max Negative-4.9%-9.8%-10.5%
Collapse to Preview
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
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%
7/24/2020-1.3%1.0%3.2%
SUMMARY STATS   
# Positive71717
# Negative1666
Median Positive1.7%2.2%4.2%
Median Negative-1.1%-4.4%-5.3%
Max Positive4.4%10.1%24.1%
Max Negative-4.9%-9.8%-10.5%

SEC Filings

Expand for More
Report DateFiling DateFiling
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
Collapse to Preview
Report DateFiling DateFiling
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
06/30/201908/08/201910-Q

Insider Activity

Updated 7/6/2026
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 Jul 25, 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
Core Cache Last Updated: 7/24/2026