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Tompkins financial corporationTMP.US Overview

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TMP Recent Performance

1.74%

Tompkins financial corporation

1.79%

Avg of Sector

-0.31%

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TMP Key Information

TMP Financial Forecast

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QuarterlyEPS ForecastQoQMaxMin
2026Q1
2026Q2
2026Q3
2026Q4
2027Q1

TMP Profile

Tompkins Financial Corporation, a financial holding company, provides commercial and consumer banking, leasing, trust and investment management, financial planning and wealth management, and insurance services. The company operates in three segments: Banking, Insurance, and Wealth Management. It accepts various deposit products, including checking accounts, savings accounts, time deposits, and IRA products, as well as brokered, reciprocal, and municipal money market deposits. The company also offers loans for various business purposes, including real estate financing, construction, equipment financing, accounts receivable financing, and commercial leasing; residential mortgage loans; personal loans; residential real estate loans; home equity loans; commercial and industrial loans; commercial real estate loans; agriculture loans; and consumer loans, such as personal installment loans, direct and indirect automobile financing, and overdraft lines of credit. In addition, it provides letters of credit and sweep accounts; credit and debit cards; and deposit and cash management, internet-based account, remote deposit, safe deposit, voice response, ATM, and mobile and internet banking services. Further, the company offers investment management, trust and estate, and financial and tax planning services; property and casualty, medical, life, disability, and long-term care insurance services; employee benefit consulting services; and insurance planning services. It primarily serves individuals, corporate executives, small business owners, and high net worth individuals. The company operates through a network of 63 banking offices, including 43 offices in New York and 20 offices in Pennsylvania. Tompkins Financial Corporation was founded in 1836 and is headquartered in Ithaca, New York.

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TMP FAQ

This disclaimer is provided by TradingValley Inc. and includes any messages, news, research, analysis, prices or other information provided by the Company's website, the application "Growin App" and other services provided through the Company's website. It is only general market information for educational and investment decision-making reference, and does not constitute any investment advice. View Growin Disclaimer

TMP Earnings Table

Unit : USD

QTRNon-GAAP EPSEPS YoYEPS Surprise %SalesSales YoYSales Surprise %NPM
Current
2025Q4
2025Q3
2025Q2
2025Q1
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
11.16
PE Ratio (TTM)
6.82
Forward PE
12.46
PS Ratio (TTM)
2.54
PB Ratio
1.23
Price-to-FCF
32.92
METRIC
VALUE
vs. INDUSTRY
Gross Margin
100.00%
Net Margin
37.02%
Revenue Growth (YoY)
48.68%
Profit Growth (YoY)
48.68%
3-Year Revenue Growth
37.70%
3-Year Profit Growth
37.70%
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
11.16
PE Ratio (TTM)
6.82
Forward PE
12.46
PS Ratio (TTM)
2.54
PB Ratio
1.23
Price-to-FCF
32.92
Gross Margin
100.00%
Net Margin
37.02%
Revenue Growth (YoY)
48.68%
Profit Growth (YoY)
48.68%
3-Year Revenue Growth
37.70%
3-Year Profit Growth
37.70%

  • When is TMP's latest earnings report released?

    The most recent financial report for Tompkins financial corporation (TMP) covers the period of 2025Q4 and was published on 2025/12/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating TMP's short-term business performance and financial health. For the latest updates on TMP's earnings releases, visit this page regularly.

  • Where does TMP fall in the P/E River chart?

    According to historical valuation range analysis, Tompkins financial corporation (TMP)'s current price-to-earnings (P/E) ratio is 7.2, placing it in the Undervalued zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning conservative. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.

  • What is the operating profit of TMP?

    According to the latest financial report, Tompkins financial corporation (TMP) reported an Operating Profit of 139.71M with an Operating Margin of 72.07% this period, representing a growth of 442.93% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.

  • How is TMP's revenue growth?

    In the latest financial report, Tompkins financial corporation (TMP) announced revenue of 193.85M, with a Year-Over-Year growth rate of 156.08%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.

  • How much debt does TMP have?

    As of the end of the reporting period, Tompkins financial corporation (TMP) had total debt of 660.02M, with a debt ratio of 0.08. Long-term debt comprises a higher/lower proportion. The level of financial leverage directly impacts the company's capital structure and interest coverage. If debt is high, pay attention to interest expenses and refinancing risks. Conversely, a low-leverage structure indicates greater risk tolerance but potentially less growth flexibility.

  • How much cash does TMP have?

    At the end of the period, Tompkins financial corporation (TMP) held Total Cash and Cash Equivalents of 132.82M, accounting for 0.02 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.

  • Does TMP go with three margins increasing?

    In the latest report, Tompkins financial corporation (TMP) achieved the “three margins increasing” benchmark, with a gross margin of 100%%, operating margin of 72.07%%, and net margin of 49.7%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess TMP's profit trajectory and future growth potential.

  • Is TMP's EPS continuing to grow?

    According to the past four quarterly reports, Tompkins financial corporation (TMP)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 6.75. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.

  • What is the FCF of TMP?

    Tompkins financial corporation (TMP)'s Free Cash Flow (FCF) for the period is -38.71M, calculated as Operating Cash Flow minus Capital Expenditures, representing a fall of 278.7% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.

  • What are the PEG ratio and PE ratio of TMP?

    The latest valuation data shows Tompkins financial corporation (TMP) has a Price-To-Earnings (PE) ratio of 7.2 and a Price/Earnings-To-Growth (PEG) ratio of 0.01. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.