Is Tompkins Financial Corporation (TMP) Overvalued?
We dive into why Tompkins Financial Corporation (TMP) could be considered overvalued on 2026-08-07, based on AAII’s Value Score and Grade.Jenna Brashear
A+ Stock Grade Summary:
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COMPANY SUMMARY
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. It operates through two segments: Banking, and Wealth Management. The company accepts various deposit products, including checking and savings accounts, time deposits, and IRA products. It 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; home equity loans; residential real estate loans; commercial and industrial loans; commercial real estate loans; agriculture loans; and consumer and other loans, such as direct and indirect personal installment loans, automobile financing, and overdraft lines of credit. In addition, the company provides letters of credit and sweep accounts; credit and debit cards; deposit and cash management, internet-based account, remote deposit, safe deposit, ATM, voice response, and mobile and internet banking services; trust and estate; financial and tax planning services; property and casualty, 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. Tompkins Financial Corporation was founded in 1836 and is headquartered in Ithaca, New York.
Commentary & Analysis
Why Tompkins Financial Corporation’s (TMP) Stock Is Up 5.30%
As of Friday, July 24, Tompkins Financial Corporation’s TMP share price has surged by 5.30%, which has investors questioning if this is right time to sell.Michael Rose
What You Need to Know About Tompkins Financial Corporation's Q3 Earnings
Tompkins Financial Corporation's fiscal Q3 earnings report was released on Friday, July 24. Let's dive in to see if (TMP) missed or beat analyst's expectations.Tudor Pop
What You Need to Know About Tompkins Financial Corporation's Q2 Earnings
Tompkins Financial Corporation's fiscal Q2 earnings report was released on Friday, April 24. Let's dive in to see if (TMP) missed or beat analyst's expectations.Tudor Pop
What You Need to Know About Tompkins Financial Corporation's Q1 Earnings
Tompkins Financial Corporation's fiscal Q1 earnings report was released on Friday, January 30. Let's dive in to see if (TMP) missed or beat analyst's expectations.Jenna Brashear
Financial Summary
| Share Statistics | TMP | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $1,421.5 | $756.4 | 49% |
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| Shares Out (Mil) | 14.3 | 15.4 | 25% |
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| Institutional Ownership | 96.4% | 84.0% | 70% |
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| Float (Mil) | 13.1 | 21.7 | 23% |
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| Beta | 0.72 | 0.44 | 43% |
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| Avg Daily Volume (000s) | 103 | 40 | 37% |
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| Price Change (52-week) |
43.0% | 94.9% | 79% |
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| Growth | TMP | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 9.1% | 7.7% | 55% |
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| Net Income (5yr) | 15.7% | 11.1% | 65% |
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| EPS (5yr) | 16.7% | 10.1% | 61 |
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| Dividends (5yr) | 3.6% | 3.6% | 93% |
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| Cash Flow (5yr) | (14.9%) | (17.1%) | 53% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 2 | 2 | 2 | |
| Current EPS | $1.950 | $7.815 | $8.320 | |
| Month Ago EPS | $1.950 | $7.815 | $8.320 | |
| # Rev Up | 1 | 2 | 1 | |
| # Rev Down | 0 | 0 | 0 | |
| Three Months Ago EPS | $1.905 | $7.525 | $8.150 | |
| Year/Year Chg | (4.4%) | (30.5%) | na | |
| Financials | TMP | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $447 | $196 | 40% |
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| Net Income (TTM) (Mil) | $175 | $56 | 66% |
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| EPS (TTM) | $12.303 | $2.500 | 96% |
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| Operating Cash Flow (TTM) (Mil) | $57 | $34 | 47% |
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| Net Cash Flow (TTM) (Mil) | ($65) | $2 | 17% |
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| Long-Term Debt (Q1) (Mil) | $257 | $99 | 52% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | TMP | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.47 | 1.27 | 38% |
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| P/E | 8.1 | 12.5 | 11% |
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| Dividend Yield | 2.7% | 2.2% | 82% |
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| PEG (5yr hist) | 0.5 | 1.1 | 23% |
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| Ratios | TMP | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 39.3% | 29.1% | 94% |
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| ROA | 2.0% | 1.1% | 55% |
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| ROE | 20.4% | 11.3% | 80% |
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| Liabilities to Assets | 89.1% | 89.7% | 84% |
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| F-Score | 4 | 4 | 33% |
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Passing Stock Screens
As of 9/11/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.8% |
| +/- S&P 500: | -0.7 |
FACTOR STRATEGY
Value on the Move--PEG With Hist Growth Screen
Factors: Value, Quality, Momentum, Growth
Using PEG ratios and price strength to find growth stocks trading at a reasonable price.
| Performance Since Inception: | 13.8% |
| +/- S&P 500: | +6.3 |
GURU STRATEGY
Stock Market Winners Screen
Factors: Value, Momentum, Growth
A screen that tries to interpret and apply successful trading rules in the real market environment.
| Performance Since Inception: | 14.9% |
| +/- S&P 500: | +7.4 |
