Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
TMP
Strong BuyFull HouseFLAGTompkins Financial Corporation · Financial Services · United States · $1.4B · Avg Vol: $10M/d
Tompkins Financial clears stage one with all legs above the floor, nominal insider buying of 0.01% and a buyback on file. A 1.2% forward-EPS cut is adverse evidence, so the calibrated bar blocks approval at stage two.
COMPANY DESCRIPTION
Tompkins Financial Corporation is a diversified financial services company providing commercial and retail banking, trust, and investment management services through its community bank subsidiaries. The company benefits from deep-rooted customer relationships within its New York and Pennsylvania markets, offering a full suite of financial products and maintaining a strong local presence.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 303.7M | 215.5M | 295.2M | 254.1M | -5.8% | 446.6M | 200.0M | 215.9M | -7.8% |
| EPS | 5.92 | 0.66 | 4.98 | 11.30 | 24.0% | 12.23 | 14.00 | 14.90 | 14.8% |
| Shares | 14.4M | 14.3M | 14.3M | 14.3M | -0.6% | 14.4M | — | — | — |
| Debt | 291.3M | 602.1M | 790.2M | 564.4M | 24.7% | 730.6M | — | — | — |
| Equity | 616.0M | 668.5M | 713.4M | 938.4M | 15.1% | — | — | — | — |
| Op CF | 103.3M | 89.0M | 95.0M | 38.9M | -27.8% | 57.0M | — | — | — |
| Inv CF | -8.4M | -146.3M | -250.4M | -300.7M | — | — | — | — | — |
| Fin CF | -80.2M | 59.0M | 210.3M | 260.3M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of TMP are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| TMP | Tompkins Financial Corporation(you) | $1.4B | 87 | Strong Buy |
| HBT | HBT Financial, Inc. | $1.3B | 85 | Strong Buy |
| CTBI | Community Trust Bancorp, Inc. | $1.4B | 78 | Buy |
| THFF | First Financial Corporation | $942M | 82 | Strong Buy |
| HAFC | Hanmi Financial Corporation | $923M | 82 | Strong Buy |
| FMNB | Farmers National Banc Corp. | $929M | 82 | Strong Buy |
| PEBO | Peoples Bancorp Inc. | $1.4B | 74 | Buy |
| OFG | OFG Bancorp | $2.2B | 82 | Strong Buy |
| UVSP | Univest Financial Corporation | $1.1B | 75 | Buy |
| FISI | Financial Institutions, Inc. | $807M | 82 | Strong Buy |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%