Tompkins Financial Corp

Tompkins Financial Corp (TMP) Stock Analysis

$95.860

-0.336 (-0.35%)At close

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High
96.500
Open
94.830
VWAP
95.59
Volume
106.36K
Mkt Cap
671.11M
Low
94.410
Amount
10.17M
EV/EBITDA, TTM
11.18

Tompkins Financial Corporation is a banking and financial services company serving the Central, Western, and Hudson Valley regions of New York and the Southeastern region of Pennsylvania. The Company's segments include banking and wealth management. Its banking segment’s services consist primarily of attracting deposits from the areas served by the Company’s banking subsidiary and using those deposits to originate a variety of commercial loans, agricultural loans, consumer loans, real estate loans, and leases in those same areas. Its banking services also include a full suite of products, such as debit cards, credit cards, remote deposit, electronic banking, mobile banking, cash management, and safe deposit services. The wealth management segment is organized under the Tompkins Financial Advisors brand. Tompkins Financial Advisors offers a range of financial services to customers, including trust and estate services, investment management, financial and tax planning services.

AI analysis of Tompkins Financial Corp (TMP)

Hold

Tompkins Financial Corp is currently a hold. The stock is priced at $95.73, which is below the analyst price targets of $104 and $105, indicating potential upside. However, the RSI is at 32.694, suggesting the stock is oversold, and the recent 5-day change is -3.20%, indicating short-term weakness. The forward P/E ratio is 12.8535, which is reasonable, but the current price is close to the Fibonacci support level of 94.979, posing a risk of further decline if it breaks below this level.

Analyst Ratings (2)

-19.67% Downside
Hold
0 Buy
2 Hold
0 Sell
Current: 95.86
Low
74.00
Average
77.00
High
80.00

Piper Sandler

2026-08-03

Price Target

$104

Neutral

Keefe Bruyette

2026-07-27

Price Target

$105

Outperform

Keefe Bruyette

2026-04-28

Price Target

$90

Outperform

Piper Sandler

2026-04-28

Price Target

$87

Neutral

Keefe Bruyette

2026-02-04

Price Target

$87

Outperform

Valuation Metrics

The current forward P/E ratio for Tompkins Financial Corp (TMP) is 12.85, compared to its 5-year average forward P/E of 12.50.

Forward P/E

Fair
5Y Average P/E
12.50
Current P/E
12.85
Overvalued
14.13
Undervalued
10.87

Forward EV/EBITDA

Overvalued
5Y Average EV/EBITDA
2.42
Current EV/EBITDA
11.18
Overvalued
8.77
Undervalued
-3.93

Forward P/S

Fair
5Y Average P/S
3.08
Current P/S
3.58
Overvalued
3.60
Undervalued
2.57

Alphio AI Price Scenarios for TMP

Scenario prices are the last monthly forecast band of the current year. Probabilities are fixed model weights (25 / 50 / 25), not guarantees.

B

Bull

Bull · 25%TMP

$61.52

Scenario price

B

Base

Base · 50%TMP

$58.40

Scenario price

B

Bear

Bear · 25%TMP

$44.75

Scenario price

Events Timeline

2026-07-27 (ET)

15:00:00

Tompkins Financial Files Automatic Mixed Securities Shelf

2026-07-24 (ET)

09:30:00

Tompkins Financial Corporation Announces Quarterly Dividend of $0.70 per Share

09:30:00

Tompkins Reports Q2 Net Interest Income of $73.983M

2026-04-24 (ET)

09:10:00

Tompkins Reports Q1 Net Interest Income of $71.86M

2026-01-30 (ET)

09:20:00

Tompkins Reports Q4 Revenue of $69.1M

News

TMP FAQ — answered by Alphio AI

Tompkins Financial Corporation is a banking and financial services company serving the Central, Western, and Hudson Valley regions of New York and the Southeastern region of Pennsylvania. The Company's segments include banking and wealth management. Its banking segment’s services consist primarily of attracting deposits from the areas served by the Company’s banking subsidiary and using those deposits to originate a variety of commercial loans, agricultural loans, consumer loans, real estate loans, and leases in those same areas. Its banking services also include a full suite of products, such as debit cards, credit cards, remote deposit, electronic banking, mobile banking, cash management, and safe deposit services. The wealth management segment is organized under the Tompkins Financial Advisors brand. Tompkins Financial Advisors offers a range of financial services to customers, including trust and estate services, investment management, financial and tax planning services. It operates in the Financials sector (STATE COMMERCIAL BANKS industry).

Tompkins Financial Corp is currently a hold. The stock is priced at $95.73, which is below the analyst price targets of $104 and $105, indicating potential upside. However, the RSI is at 32.694, suggesting the stock is oversold, and the recent 5-day change is -3.20%, indicating short-term weakness. The forward P/E ratio is 12.8535, which is reasonable, but the current price is close to the Fibonacci support level of 94.979, posing a risk of further decline if it breaks below this level.

2 analysts cover TMP: 0 rate it Buy, 2 Hold and 0 Sell. The average price target is 77.00.

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This page is for research only and is not investment advice. Models can be wrong. Past performance does not guarantee future results.

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