TMP
TOMPKINS FINANCIAL CORP
Next earnings Jul 23, 2026 · consensus $1.84 EPS, $87.3M rev
Last earnings -2.8% on 2026-04-24
$94.19
▲ +0.95%$94.19▲ +56.82%
over 1Y
L $59.85EODHDH $94.19
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+1.0%
1W+4.3%
1M+8.3%
3M+24.2%
YTD+32.0%
1Y+56.8%
Hold
Conviction
Horizon
Medium (3–12mo)
Street · 6 analysts
Buy
Strong net margin (212.7%); but revenue declined -4.5% YoY.
Revenue (FY2025) $75.7M · FY2025
The read
Middling fundamentals offset by an attractive price (~353% below fair value) — worth a look on the value angle.
TOMPKINS FINANCIAL CORP shows $75.7M in FY2025 revenue (-4.5% YoY), a 212.7% net margin, and 17.2% ROE.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | $72.6M | $74.0M | $75.0M | $79.3M | $75.7M |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $89.3M | $85.0M | $9.51M | $70.8M | $161M |
| Diluted EPS | $6.05 | $5.89 | $0.66 | $4.97 | $11.24 |
| Net margin | 123.0% | 114.9% | 12.7% | 89.3% | 212.7% |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF42.5
PEG (trailing)0.07
Earnings yield11.9%
FCF yield2.4%
Quality & risk
ROIC (est.)—
Free cash flow$31.9M
Total debt—
Net cash$133M
Piotroski F-Score4/6
Capital returns
Buyback yield0.1%
Dividend yield (est.)2.7%
Shareholder yield2.8%
Shares Δ YoY-0.1%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsSome governance/structural items recently, but no outright red flags.
Recent filings
all on EDGAR ↗11-KPeriod ending 2025-12-312026-06-23open ↗3Period ending 2026-05-282026-06-01open ↗4Period ending 2026-05-262026-05-26open ↗8-KPeriod ending 2026-05-192026-05-26open ↗4Period ending 2026-02-132026-05-20open ↗4Period ending 2026-05-182026-05-20open ↗4Period ending 2026-05-182026-05-20open ↗4Period ending 2026-05-182026-05-20open ↗4Period ending 2026-05-182026-05-20open ↗8-KPeriod ending 2026-05-192026-05-19open ↗10-QPeriod ending 2026-03-312026-05-05open ↗SCHEDULE 13GFiling2026-04-29open ↗
Frequently asked
- Is TOMPKINS FINANCIAL CORP (TMP) a buy?
- TMP currently carries a Hold rating with 3/5 conviction, derived from its latest SEC filings. Strong net margin (212.7%); but revenue declined -4.5% YoY.
- What is TMP's fair value?
- A Modified-Graham model based on TMP's SEC fundamentals estimates a fair value of about $427.12. It is an estimate from reported earnings, not a price target.
- Is TMP overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, TMP currently appears undervalued relative to its SEC-grounded earnings power.
- What is TOMPKINS FINANCIAL CORP's quality score?
- TMP scores 72.79411764705881/100 (grade B) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0001005817, latest 10-Q filed 2026-05-05) · EODHD · as of 6/26/2026, 8:10:49 PM.
Research and education only — not financial advice. EDGAR is not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates; see Disclosures. Past performance does not guarantee future results. Do your own research.