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Tompkins Financial Stock TMP

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Tompkins Financial stock price

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Price

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Overview

The Quote Chart provides detailed and dynamic insights into the Tompkins Financial stock's performance, showcasing daily, weekly, or monthly aggregated quotes. Users can switch between different time frames to analyze the stock's progression meticulously and make informed investment decisions.

Intraday Feature

The intraday feature provides real-time data, allowing investors to view the Tompkins Financial stock’s price fluctuations within the trading day, facilitating timely and strategic investment decisions.

Total Return and Relative Price Change

View the total return of the Tompkins Financial stock to gauge its profitability over time. The relative price change, based on the first quote available in the selected timeframe, offers insights into the stock’s performance, assisting in evaluating its investment potential.

Interpretation and Investment

Utilize the comprehensive data presented in the Quote Chart to analyze Tompkins Financial's market trends, price movements, and potential returns. Make informed investment choices by comparing different time frames and evaluating intraday data for optimized portfolio management.

Tompkins Financial Stock Price History

DateTompkins Financial Price
9/19/20250 undefined
9/19/202569.18 undefined
9/18/202571.13 undefined
9/17/202569.51 undefined
9/16/202567.89 undefined
9/15/202568.73 undefined
9/12/202569.42 undefined
9/11/202569.72 undefined
9/10/202569.13 undefined
9/9/202569.11 undefined
9/8/202569.77 undefined
9/5/202569.93 undefined
9/4/202570.88 undefined
9/3/202569.95 undefined
9/2/202570.25 undefined
8/29/202569.94 undefined
8/28/202570.26 undefined
8/27/202570.93 undefined
8/26/202570.48 undefined
8/25/202569.51 undefined
8/22/202570.40 undefined
8/21/202566.62 undefined

Tompkins Financial Revenue, EBIT, Net Income

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Revenue
Net Income
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Revenue, EBIT and Profit

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Understanding Revenue, EBIT, and Income

Gain insights into Tompkins Financial, a comprehensive overview of its financial performance can be obtained by analyzing the Revenue, EBIT, and Income chart. Revenue represents the total income generated by Tompkins Financial from its primary operations, showcasing the company’s ability to attract and retain clients. EBIT, or Earnings Before Interest and Taxes, indicates the company’s operational profitability, free from the influence of tax and interest expenses. The Income section reflects Tompkins Financial’s net earnings, an ultimate measure of its financial health and profitability.

Yearly Analysis and Comparisons

Observe the yearly bars to understand the annual performance and growth of Tompkins Financial. Compare the Revenue, EBIT, and Income to evaluate the company’s efficiency and profitability. A higher EBIT compared to the previous year suggests an improvement in operational efficiency. Likewise, an increase in Income indicates enhanced overall profitability. Analyzing the year-to-year comparison assists investors in understanding the company’s growth trajectory and operational efficiency.

Utilizing Expectations for Investment

The expected values for the forthcoming years offer investors a glimpse into Tompkins Financial’s anticipated financial performance. Analyzing these projections alongside historical data aids in making informed investment decisions. Investors can gauge the potential risks and returns, aligning their investment strategies accordingly to optimize profitability and mitigate risks.

Investment Insights

Leveraging the comparison between Revenue and EBIT helps in assessing Tompkins Financial’s operational efficiency, while the Revenue and Income comparison reveals the net profitability after accounting for all expenses. Investors can derive valuable insights by meticulously analyzing these financial parameters, laying the foundation for strategic investment decisions aimed at capitalizing on Tompkins Financial’s growth potential.

Tompkins Financial Revenue, EBIT and net profit per share

DateTompkins Financial RevenueTompkins Financial Net Income
2026e361.98 M undefined97.38 M undefined
2025e339.97 M undefined87.63 M undefined
2024435.7 M undefined70.85 M undefined
2023307.6 M undefined9.46 M undefined
2022329.3 M undefined84.78 M undefined
20210 undefined88.6 M undefined
20200 undefined76.7 M undefined
20190 undefined80.4 M undefined
20180 undefined81 M undefined
20170 undefined51.7 M undefined
20160 undefined58.4 M undefined
20150 undefined57.6 M undefined
20140 undefined51.5 M undefined
20130 undefined50.4 M undefined
20120 undefined31.2 M undefined
20110 undefined35.3 M undefined
20100 undefined33.8 M undefined
20090 undefined31.8 M undefined
20080 undefined29.8 M undefined
20070 undefined26.4 M undefined
20060 undefined27.8 M undefined
20050 undefined27.7 M undefined

Tompkins Financial Income Statement, Balance Sheet, Cash Flow Statement

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  • Expanded

  • Income Statement

  • Balance Sheet

  • Cashflow

 
REVENUE (M)
REVENUE GROWTH (%)
GROSS MARGIN (%)
GROSS INCOME (M)
EBIT (M)
EBIT MARGIN (%)
NET INCOME (M)
NET INCOME GROWTH (%)
DIV. ()
DIV. GROWTH (%)
SHARES (M)
DOCUMENTS
198719881989199019911992199319941995199619971998199920002001200220032004200520062007200820092010201120122013201420152016201720182019202020212022202320242025e2026e
00000000000000000000000000000000000329307435339361
-------------------------------------6.6941.69-22.076.49
-----------------------------------92.7199.3570.1189.9784.49
000000000000000000000000000000000003050000
0000000000000000000000000000000000011000129141
----------------------------------------
334457888913141517192224252727262931333531505157585181807688849708797
--33.33-25.0040.0014.29--12.5044.447.697.1413.3311.7615.799.094.178.00--3.7011.546.906.456.06-11.4361.292.0011.761.75-12.0758.82-1.23-5.0015.79-4.55-89.29677.7824.2911.49
------------------0.991.071.131.201.241.331.401.461.541.621.701.771.821.942.022.102.192.312.402.442.482.62
00000000000000000008.085.616.193.337.265.264.295.485.194.944.122.826.594.123.964.295.483.91.671.645.65
7.87.87.87.87.87.87.97.87.87.710.310.610.510.51111.11111111110.810.710.810.91112.814.614.814.914.915.115.11514.714.614.414.314.2700
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Keystats

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Revenue and Growth

The Tompkins Financial Revenue and Revenue Growth are pivotal to understanding the company's financial health and operational efficiency. A consistent increase in revenue indicates a company’s ability to effectively market and sell its products or services, while the revenue growth percentage offers insights into the pace at which the company is expanding over the years.

Gross Margin

The Gross Margin is a crucial metric that showcases the percentage of revenue exceeding the cost of goods sold (COGS). A higher gross margin is indicative of a company’s efficiency in controlling its production costs, thereby promising potential profitability and financial stability.

EBIT and EBIT Margin

EBIT (Earnings Before Interest and Taxes) and EBIT Margin offer deep insights into a company’s profitability, excluding the impacts of interest and taxes. Investors often assess these metrics to gauge the operational efficiency and inherent profitability of a business, separate from its financial structure and tax environment.

Income and Growth

Net Income and its subsequent growth are quintessential for investors looking to understand a company’s profitability. Consistent income growth underscores a company’s ability to enhance its profitability over time, reflecting operational efficiency, strategic competitiveness, and financial health.

Shares Outstanding

Shares outstanding refer to the total number of shares a company has issued. It's instrumental in calculating key metrics like Earnings Per Share (EPS) which is pivotal for investors to evaluate a company’s profitability on a per-share basis, offering a more granular view of financial health and valuation.

Interpreting Year to Year Comparison

Comparing yearly data allows investors to identify trends, assess the company’s growth, and anticipate potential future performance. Analyzing how metrics like revenue, income, and margins change year over year can provide valuable insights into the company’s operational efficiency, competitiveness, and overall financial health.

Expectations and Predictions

Investors often juxtapose the current and past financial data with the market’s expectations. This comparison aids in assessing whether the Tompkins Financial is performing as anticipated, underperforming or outperforming the market predictions, providing pivotal data for investment decisions.

 
ASSETS
CASH BALANCE (M)
RECEIVABLES (M)
OTHER REC. (M)
INVENTORIES (k)
OTHER CURRENT LIAB. (M)
CURRENT ASSETS (M)
TANGIBLE ASSETS (M)
LONG-T. INVEST. (B)
LONG-T. REC. (M)
INTANGIBLE ASSETS (M)
GOODWILL (M)
OTHER NON-CURRENT ASSETS (M)
NON-CURRENT ASSETS (B)
TOTAL ASSETS (B)
LIABILITIES
COMMON STOCK (M)
ADDITIONAL PAID-IN CAPITAL (M)
RETAINED EARNINGS (M)
OTHER EQUITY (M)
UNREAL. GAINS/LOSSES (M)
EQUITY (M)
LIABILITIES (M)
PROVISIONS (M)
OTHER SHORT-TERM LIAB. (M)
SHORT-TERM DEBTS (M)
LONG-TERM DEBT PORTION (M)
SHORT-TERM REC. (M)
LONG-T. LIAB. (B)
DEFERRED TAXES (M)
OTHER LIAB. (M)
LONG-T. LIABILITIES (B)
DEBT (B)
TOTAL CAPITAL (B)
1988198919901991199219931994199519961997199819992000200120022003200420052006200720082009201020112012201320142015201620172018201920202021202220232024
                                                                         
000000000000000000000000000000000077.8400
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000000000000000000000000000000000015200
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0000000000000000000000000000000000102.8500
5554.55.15.77.17.26.96.813.821.123.92527.128.533.136.943.344.846.646.746.144.754.655.959.860.3708797.2127.988.785.4115.24107.39103.53
00000000000000000000000000000000001.9300
0000000000000000000000000000000000000
000000000016.39.914.13.43.32.82.24.13.55.34.94.24.118.616.314.612.411.39.37.66.24.93.62.712.332.2
0000000000000010.711.512.312.321.222.941.541.641.643.992.392.192.291.892.692.392.392.492.492.492.692.692.6
0000000000000000000000000000000000207.0900
0.010.010.0100.010.010.010.010.010.010.010.030.030.040.040.040.050.050.070.070.090.090.090.090.170.160.170.160.170.190.20.230.190.182.340.20.2
0.010.010.0100.010.010.010.010.010.010.010.030.030.040.040.040.050.050.070.070.090.090.090.090.170.160.170.160.170.190.20.230.190.182.450.20.2
                                                                         
4.64.74.94.94.95.45.460.30.30.70.70.70.70.70.80.80.911111.11.11.41.51.51.51.51.51.51.51.51.51.461.441.45
10.912.91414.114.524.724.733.632.53043.840.544.245.54676.975.8118.7158.2147.7152.8155.6198.1206.4334.6346.1348.9350.8357.4364366.6338.5334312.5302.76297.18300.07
9.310.31215.420.314.919.815.620.926.85261.170.982.496.778.794.569.244.457.373.892.476.496.4108.7137.1165.2197.4230.2265319.4370.5418.4475.3526.73501.51537.16
000002.4-2.10-0.60.71.7-5.2-0.337.630.9-6.3-12.5-6.9-7.6-3.1-1.3-3.7-2.1-16.8-26.9-28.3-29.2-38.3-39.6-47.6-52.7-41.4-29.89-25.47-16.8
000000000.10000000000000000-8.42.9-2.7-7.9-13-23.6420.6-14.6-178.8-99.54-101.69
24.827.930.934.439.747.447.855.253.257.898.297.1115.5131.6151159.4172182.5191.1199.1220245.9274.3300.2442.6459.5491.6518.7552579.2624.3666.9721.8733.3622.26675.13720.19
7.975.85.13.35.33.36.400000000000000000000000000000
000000000000000000000000000000035.90034.529.128.53
0000000000000000000000000000000000000
36.439.148.656.878.977102.292.9905861.257.872.2109.777.8187.9153.7152.7191.5195.4196.3192.8183.6169.1214167.7147136.569.175.281.860.365.866.856.285137.04
00000000000000000000000000000000001400
44.346.154.461.982.282.3105.599.3905861.257.872.2109.777.8187.9153.7152.7191.5195.4196.3192.8183.6169.1214167.7147136.569.175.281.896.265.866.8104.7880.165.57
000000.010.010.010.020.030.050.040.070.080.080.090.060.06000.280.230.270.210.060.370.390.570.921.090.020.020.010000
0000000000000000000000000000000000000
000000006.4811.911.81415.418.117.819.924.932.933.739.441.638.260.376.261.569.967.970.770.773.878.2122.7108.868.9267.7768.01
000000.010.010.010.020.040.060.050.080.090.10.10.080.090.030.030.320.280.310.270.140.430.460.640.991.160.090.10.140.110.070.070.07
0.040.050.050.060.080.090.120.110.110.090.120.110.150.20.180.290.240.240.220.230.510.470.490.440.350.60.610.781.061.230.180.20.20.180.170.150.13
0.070.070.090.10.120.140.170.170.160.150.220.210.270.330.330.450.410.420.420.430.730.710.770.740.81.061.11.31.611.810.80.860.920.910.80.820.85
Details

Balance Sheet

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Understanding the Balance Sheet

The balance sheet of Tompkins Financial provides a detailed financial snapshot, revealing the company's assets, liabilities, and equity at a specific point in time. Analyzing these components is crucial for investors looking to understand Tompkins Financial's financial health and stability.

Assets

Tompkins Financial's assets represent everything the company owns or controls that has monetary value. These are categorized into current and non-current assets, offering insights into the company's liquidity and long-term investments.

Liabilities

Liabilities are obligations that Tompkins Financial must settle in the future. Analyzing the ratio of liabilities to assets provides insights into the company's financial leverage and risk exposure.

Equity

Equity refers to the residual interest in the assets of Tompkins Financial after deducting liabilities. It represents the owners’ claim on the company’s assets and earnings.

Year-to-Year Analysis

Comparing balance sheet figures year-to-year allows investors to identify trends, growth patterns, and potential financial risks, facilitating informed investment decisions.

Interpreting the Data

Detailed analysis of assets, liabilities, and equity can provide investors with comprehensive insights into Tompkins Financial's financial standing, aiding in investment evaluations and risk assessments.

 
NET INCOME (M)
DEPRECIATION (M)
DEFERRED TAXES (M)
CHANGES IN WORKING CAPITAL (M)
NON-CASH ITEM (M)
PAID INTEREST (M)
PAID TAXES (M)
NET CASH FLOW FROM OPERATING ACTIVITIES (M)
CAPITAL EXPENDITURES (M)
CASH FLOW FROM INVESTING ACTIVITIES (M)
CASH FLOW FROM OTHER INVESTING ACTIVITIES (M)
INTEREST INCOME AND EXPENSES (M)
NET DEBT CHANGE (M)
NET CHANGE IN EQUITY (M)
CASH FLOW FROM FINANCING ACTIVITIES (M)
CASH FLOW FROM OTHER FINANCING ACTIVITIES (B)
TOTAL DIVIDENDS PAID (M)
NET CHANGE IN CASH FLOW (M)
FREE CASH FLOW (M)
SHARE-BASED COMPENSATION (M)
198819891990199119921993199419951996199719981999200020012002200320042005200620072008200920102011201220132014201520162017201820192020202120222023
34457888913141517192224252727262931333531505258595282817789859
0000000112223434444555556778810111111111111
0-1000000000000000-2-2-11-12-2685211423-6100
100001011112-10-4-434767938-132526112510121205-352-264
0000000000000013101-71-122-176-73210119131721127
00000000000000000000000002722212326405130162186
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0000-1-1-2-10-2-2-2-5-3-4-4-7-7-9-5-2-5-3-3-7-6-9-6-16-35-18-6-4-4-8-6
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00000000-71-1-3-4-2-1-3-20-7-12-115443900340-30-7-24-13-8
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0.020.020.020.040.030.010.020.020.050.030.040.10.080.090.220.180.120.120.070.010.190.30.050.150.03-0.040.20.220.160.220.060.31.230.35-0.2-0.21
-1-1-1-1-2-2-3-3-3-4-5-6-7-8-8-9-9-10-11-12-12-13-14-15-19-22-24-25-26-27-29-30-31-32-33-34
77-80-110-7409810-21201-2424-13-22-64069-36-262520-357250-325141
5.83.74.15.36.18.86.410.11114.427.213.114.715.71830.328.1312832.158.718.761.468.754.777.268.676.574.650.889.295.696.8116.595.1782.24
000000000000000000000000000000000000

Tompkins Financial stock margins

The Tompkins Financial margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Tompkins Financial. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Tompkins Financial.

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Profit margin
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Margin

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Understanding Gross Margin

The gross margin, expressed as a percentage, delineates the gross profit made from the Tompkins Financial's sales revenue. A higher gross margin percentage indicates that the Tompkins Financial retains more revenue after accounting for the costs of goods sold. Investors use this metric to gauge financial health and operational efficiency, as well as to compare it with competitors and industry averages.

EBIT Margin Analysis

EBIT margin represents the Tompkins Financial's earnings before interest and taxes. Analyzing the EBIT margin over different years provides insights into the operational profitability and efficiency, excluding the effects of financial leverage and tax structure. A growing EBIT margin over the years signifies improving operational performance.

Revenue Margin Insights

The revenue margin demonstrates the Tompkins Financial's total revenue generated. When comparing the revenue margin year over year, investors can gauge the Tompkins Financial's growth and market expansion. It is essential to compare the revenue margin with the gross and EBIT margins to understand the cost and profit structures better.

Interpreting Expectations

The expected values for gross, EBIT, and revenue margins provide future financial outlook of the Tompkins Financial. Investors should compare these expectations with historical data to understand potential growth and risk factors. It is crucial to consider the underlying assumptions and methodologies used in projecting these expected values to make informed investment decisions.

Comparative Analysis

Comparing the gross, EBIT, and revenue margins, both yearly and over multiple years, enables investors to perform a comprehensive analysis of the Tompkins Financial's financial health and growth prospects. Evaluating the trends and patterns in these margins helps in identifying strengths, weaknesses, and potential investment opportunities.

Tompkins Financial Margin History

DateTompkins Financial Profit margin
2026e26.9 %
2025e25.78 %
202416.26 %
20233.08 %
202225.75 %
20210 %
20200 %
20190 %
20180 %
20170 %
20160 %
20150 %
20140 %
20130 %
20120 %
20110 %
20100 %
20090 %
20080 %
20070 %
20060 %
20050 %

Tompkins Financial Stock Sales Revenue, EBIT, Earnings per Share

The Tompkins Financial earnings per share therefore indicates how much revenue Tompkins Financial has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.

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Sales per Share
Earnings per Share
Details
Details

Revenue, EBIT and Earnings per share

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Revenue Per Share

Revenue per share represents the total revenue Tompkins Financial earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Tompkins Financial's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Tompkins Financial’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Tompkins Financial's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Tompkins Financial Revenue, EBIT and net profit per share

DateTompkins Financial Sales per ShareTompkins Financial Earnings per Share
2026e25.37 undefined6.82 undefined
2025e23.83 undefined6.14 undefined
202430.54 undefined4.97 undefined
202321.51 undefined0.66 undefined
202222.86 undefined5.89 undefined
20210 undefined6.07 undefined
20200 undefined5.22 undefined
20190 undefined5.36 undefined
20180 undefined5.36 undefined
20170 undefined3.42 undefined
20160 undefined3.92 undefined
20150 undefined3.87 undefined
20140 undefined3.48 undefined
20130 undefined3.45 undefined
20120 undefined2.44 undefined
20110 undefined3.21 undefined
20100 undefined3.1 undefined
20090 undefined2.94 undefined
20080 undefined2.79 undefined
20070 undefined2.44 undefined
20060 undefined2.53 undefined
20050 undefined2.52 undefined

Tompkins Financial business model

The Tompkins Financial Corporation is an American company that has been active in the financial industry for over 180 years. It was founded in 1836 and is headquartered in Ithaca, New York. The company is a holding company that owns and controls various subsidiaries, including banks, investment companies, and insurance companies. The business model of the Tompkins Financial Corporation is mainly based on banking services. The company is able to offer a wide range of financial products and services, including deposits, loans, credit cards, mortgages, and investment services. In addition, the Tompkins Financial Corporation also offers insurance and asset management services. The company operates in several segments, including retail banking, commercial banking, and wealth management. In retail banking, the company offers various deposit and credit products for individual customers. In commercial banking, Tompkins offers financing solutions for businesses, including leasing, loans, and lines of credit. The wealth management division of the Tompkins Financial Corporation offers risk management and asset management services tailored to the needs of affluent individuals and foundations. Tompkins Financial Corporation offers a wide range of financial products, including retail banking accounts, business loans, asset management services, and investment products. Retail banking products include various accounts and services such as personal savings accounts, checking accounts, credit cards, and mortgages. Commercial financing products include various types of loans, including lines of credit, working capital loans, and investment loans, as well as leasing for equipment and vehicles. The wealth management team offers various types of asset management services aimed at aligning clients' investment strategies with their needs and goals. Over the years, the Tompkins Financial Corporation has completed several acquisitions of other companies in the financial industry. In 2015, the company acquired VIST Bank, a regional bank company in Pennsylvania. In 2019, Tompkins Trustco, a subsidiary of Tompkins Financial Corporation, acquired GHH Insurance Group, an insurance company, to expand its offering of insurance services. Overall, the Tompkins Financial Corporation has experienced steady growth in recent years and is now an established financial institution in the United States. Tompkins Financial is one of the most popular companies on Eulerpool.com.

Tompkins Financial SWOT Analysis

Strengths

Tompkins Financial Corp has several strengths that contribute to its success in the market. Firstly, the company has a strong financial position and a solid track record of financial performance. This stability allows them to make strategic investments and expand their operations. Secondly, Tompkins Financial Corp has a well-established brand reputation and a loyal customer base. Their commitment to providing excellent customer service and personalized solutions has helped them build trust and maintain long-term relationships with clients. Additionally, the company boasts a diversified business model, offering a wide range of financial products and services. This diversity allows them to cater to the varying needs of different customer segments and adapt to changing market conditions. Furthermore, Tompkins Financial Corp has an experienced and knowledgeable management team. Their expertise and strategic decision-making capabilities enable the company to navigate complex challenges and seize opportunities efficiently. Lastly, the company has embraced technology and digital innovations to enhance their operations and customer experience. This enables them to stay competitive in the evolving financial industry landscape.

Weaknesses

Despite its strengths, Tompkins Financial Corp also faces certain weaknesses. One of the main weaknesses is their limited geographic presence. While they have a strong presence in certain regions, they may face challenges in expanding into new markets and competing with larger national or international financial institutions. Additionally, the company may have higher operating costs compared to larger competitors, which could impact their profitability. This could be due to the need to invest in technology infrastructure or maintaining a wide network of physical branches. Furthermore, Tompkins Financial Corp may face challenges in attracting and retaining top talent. As a smaller regional bank, they may struggle to compete with larger financial institutions in terms of compensation and benefits packages. Lastly, the company's heavy reliance on traditional banking and lending services could leave them vulnerable to potential disruptions caused by technological advancements or changes in consumer behavior.

Opportunities

Tompkins Financial Corp has several opportunities that can further strengthen their position in the market. Firstly, they can explore strategic partnerships or acquisitions to expand their geographic footprint and enter new markets. This would allow them to reach a larger customer base and increase their market share. Secondly, the company can focus on enhancing their digital capabilities and offering innovative online banking and financial solutions. This would help them attract tech-savvy customers and improve operational efficiency. Additionally, Tompkins Financial Corp can capitalize on the increasing demand for sustainable and socially responsible investing. By offering products and services that align with these values, they can attract a niche customer segment and differentiate themselves from competitors. Furthermore, the company can leverage data analytics and artificial intelligence to gain deeper insights into customer preferences and behaviors. This would enable them to personalize their offerings and provide targeted financial solutions.

Threats

Tompkins Financial Corp faces several threats that could impact their business operations. Firstly, intense competition within the financial industry poses a threat. Larger national or international banks, as well as emerging fintech companies, can pose challenges in retaining and attracting customers. Secondly, regulatory changes and government policies can impact the company's operations and profitability. Compliance with regulatory requirements may require significant investments and resources. Additionally, economic downturns or recessions can negatively affect the financial industry as a whole, including Tompkins Financial Corp. A decrease in consumer spending and increased default rates could impact the company's loan portfolio and overall financial performance. Furthermore, cybersecurity threats and data breaches pose a significant risk to the company. The increasing frequency and sophistication of cyber attacks require continuous investments in robust security measures to protect sensitive customer information.

Tompkins Financial Revenue by Segment

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Revenue by Segment

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Overview of Revenue by Segment

The chart visualizes revenues by segments and provides a clear overview of the revenue distribution. Each segment is clearly marked to facilitate comparisons of revenues.

Interpretation and Use

The chart enables quick identification of the highest-revenue segments, which is helpful in strategic decision-making. It supports the analysis of growth potentials and targeted resource allocation.

Investment Strategy

An investment strategy determines how capital is deliberately invested into various asset classes to maximize returns. It is based on risk tolerance, investment objectives, and a long-term plan.

Tompkins Financial Revenue by Segment

Segmente202320222021202020192018
Insurance Revenues37.35 M USD36.2 M USD34.84 M USD31.51 M USD--
Investment Service Income17.95 M USD18.09 M USD19.39 M USD17.52 M USD--
Card Services Income11.49 M USD11.02 M USD10.83 M USD9.26 M USD--
Service Charges on Deposit Accounts6.91 M USD7.37 M USD6.35 M USD6.31 M USD--
Other1.32 M USD1.29 M USD1.2 M USD1.15 M USD--

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Revenue by Segment

ⓘ

Overview of Revenue by Segment

The chart visualizes revenues by segments and provides a clear overview of the revenue distribution. Each segment is clearly marked to facilitate comparisons of revenues.

Interpretation and Use

The chart enables quick identification of the highest-revenue segments, which is helpful in strategic decision-making. It supports the analysis of growth potentials and targeted resource allocation.

Investment Strategy

An investment strategy determines how capital is deliberately invested into various asset classes to maximize returns. It is based on risk tolerance, investment objectives, and a long-term plan.

Tompkins Financial Revenue by Segment

Segmente202320222021202020192018
Subtotal Insurance Revenues----31.09 M USD29.37 M USD
Commissions and Fees----28.25 M USD27.27 M USD
Subtotal Investment Service Income----16.43 M USD17.29 M USD
Trust and Asset Management----11.44 M USD11.85 M USD
Card Services Income----10.53 M USD9.69 M USD
Service Charges on Deposit Accounts----8.32 M USD8.44 M USD
Mutual Fund & Investment Income----4.99 M USD5.44 M USD
Contingent Commissions----3.04 M USD-
Other----1.18 M USD1.18 M USD
Contingent commissions-----2.3 M USD
Refund of Commissions----30,000 USD-29,000 USD
Installment Billing-----35,000 USD6,000 USD
Contract Liabilities/Deferred Revenue-----195,000 USD-181,000 USD
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Tompkins Financial Eulerpool Fair Value

Details

Fair Value

ⓘ

Understanding Fair Value

The fair value of a stock provides insights into whether the stock is currently undervalued or overvalued. It is calculated based on profit, revenue, or dividends and offers a comprehensive perspective of the stock’s intrinsic value.

Income-Based Fair Value

This is calculated by multiplying the earnings per share by the average P/E ratio of the selected past years for smoothing. If the fair value is higher than the current market price, it suggests that the stock is undervalued.

Example 2022

Fair Value Profit 2022 = Earnings per Share 2022 / Average P/E Ratio 2019 - 2021 (3 Years Smoothing)

Revenue-Based Fair Value

It is derived by multiplying the revenue per share by the average price-to-sales ratio of the selected past years for smoothing. An undervalued stock is identified if the fair value exceeds the ongoing market price.

Example 2022

Fair Value Revenue 2022 = Revenue per Share 2022 / Average PSR 2019 - 2021 (3 Years Smoothing)

Dividend-Based Fair Value

This value is determined by dividing the dividend per share by the average dividend yield of the selected past years for smoothing. A higher fair value than the market price indicates an undervalued stock.

Example 2022

Fair Value Dividend 2022 = Dividend per Share 2022 * Average Dividend Yield 2019 - 2021 (3 Years Smoothing)

Expectations and Forecasts

Future expectations provide potential trajectories for stock prices and aid investors in decision-making. The expected values are forecasted figures of fair value, taking into account the growth or decline trends of profit, revenue, or dividend.

Comparative Analysis

Comparing the fair value based on profit, revenue, and dividend provides a holistic overview of the stock’s financial health. Observing the annual and per-annual variations contributes to understanding the consistency and reliability of stock performance.

Tompkins Financial historical P/E ratio, EBIT multiple, and P/S ratio

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Tompkins Financial shares outstanding

The number of shares was Tompkins Financial in 2024 — This indicates how many shares 14.268 M is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.

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Revenue, EBIT and Earnings per share

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Revenue Per Share

Revenue per share represents the total revenue Tompkins Financial earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Tompkins Financial's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Tompkins Financial’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Tompkins Financial's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Tompkins Financial stock splits

In Tompkins Financial's history, there have been no stock splits.

Tompkins Financial dividend history and estimates

In 2024, Tompkins Financial paid a dividend amounting to 2.44 undefined. Dividend means that Tompkins Financial distributes a portion of its profits to its owners.

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Dividend (Estimate)
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Dividend

ⓘ

Dividend Overview

The dividend per year chart for Tompkins Financial provides a comprehensive view of the annual dividends distributed to shareholders. Analyze the trend to understand the consistency and growth in dividend payouts over the years.

Interpretation and Use

A consistent or increasing trend in dividends can indicate the company's profitability and financial health. Investors can use this data to identify Tompkins Financial’s potential for long-term investment and income generation through dividends.

Investment Strategy

Incorporate the dividend data in evaluating Tompkins Financial's overall performance. A thorough analysis, considering other financial aspects, will help in making informed investment decisions for optimal capital growth and income generation.

Tompkins Financial Dividend History

DateTompkins Financial Dividend
2026e2.62 undefined
2025e0.62 undefined
2025e1.86 undefined
20242.44 undefined
20232.4 undefined
20222.31 undefined
20212.19 undefined
20202.1 undefined
20192.02 undefined
20181.94 undefined
20171.82 undefined
20161.77 undefined
20151.7 undefined
20141.62 undefined
20131.54 undefined
20121.46 undefined
20111.4 undefined
20101.33 undefined
20091.24 undefined
20081.2 undefined
20071.13 undefined
20061.07 undefined
20050.99 undefined

Tompkins Financial dividend payout ratio

In 2024, Tompkins Financial had a payout ratio of 38.02%. The payout ratio indicates the percentage of the company's profits that Tompkins Financial distributes as dividends.

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Payout ratio

ⓘ

What is Yearly Payout Ratio?

The yearly payout ratio for Tompkins Financial represents the proportion of earnings paid out as dividends to shareholders. It is an indicator of the company's financial health and stability, illustrating how much profit is being returned to investors versus being reinvested back into the company.

How to Interpret the Data

A lower payout ratio for Tompkins Financial could mean that the company is reinvesting more into its growth, whereas a higher ratio indicates more earnings are being distributed as dividends. Investors seeking regular income might prefer companies with a higher payout ratio, while those looking for growth may opt for companies with a lower ratio.

Using the Data for Investments

Evaluate Tompkins Financial's payout ratio in conjunction with other financial metrics and performance indicators. A sustainable payout ratio, coupled with strong financial health, can indicate a reliable dividend payout. However, a very high ratio might suggest the company is not sufficiently reinvesting in its future growth.

Tompkins Financial Payout Ratio History

DateTompkins Financial Payout ratio
2026e38.42 %
2025e38.63 %
202438.02 %
202338.61 %
202239.25 %
202136.2 %
202040.38 %
201937.62 %
201836.26 %
201753.22 %
201645.27 %
201543.93 %
201446.55 %
201344.51 %
201260.08 %
201143.75 %
201042.74 %
200941.77 %
200843.17 %
200746.01 %
200642.3 %
200539.35 %
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Unfortunately, there are currently no price targets and forecasts available for Tompkins Financial.

Tompkins Financial latest earnings and earnings surprises

DateEPS EstimateEPS ActualQuarterly report
6/30/20251.44 1.5  (3.86 %)2025 Q2
3/31/20251.32 1.37  (3.66 %)2025 Q1
12/31/20241.17 1.37  (17.39 %)2024 Q4
9/30/20241.22 1.3  (6.37 %)2024 Q3
6/30/20240.91 1.1  (21.01 %)2024 Q2
3/31/20241.16 1.18  (1.59 %)2024 Q1
12/31/20231.26 1.05  (-16.5 %)2023 Q4
9/30/2023-2.24 -2.35  (-4.81 %)2023 Q3
6/30/20231.06 0.59  (-44.18 %)2023 Q2
3/31/20231.33 1.35  (1.45 %)2023 Q1
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Eulerpool ESG Scorecard© for the Tompkins Financial stock

Eulerpool World ESG Rating (EESG©)

32/ 100

🌱 Environment

10

👫 Social

27

🏛️ Governance

61

Environment

Scope 1 - Direct Emissions
Scope 2 - Indirect emissions from purchased energy
Scope 3 - Indirect emissions within the value chain
Total CO₂ emissions
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather
Pesticides
Palm Oil
Tobacco
Genetically modified organisms
Climate concept
Sustainable forestry
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency

Social

Percentage of female employees
Percentage of women in management
Percentage of Asian employees
Share of Asian management
Percentage of Hispanic/Latino employees
Hispano/Latino Management share
Percentage of Black employees
Black Management Share
Percentage of white employees
White Management Share
Adult content
Alcohol
Weapons
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept
Occupational health and safety
Catholic

Governance (Corporate Governance)

Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

Tompkins Financial shareholders

%
Name
Stocks
Change
Date
12.29800 % BlackRock Institutional Trust Company, N.A.1,754,728-46,0486/30/2025
9.73318 % The Vanguard Group, Inc.1,388,76954,4336/30/2025
8.67394 % State Street Global Advisors (US)1,237,633-30,7686/30/2025
8.02492 % Tompkins Community Bank1,145,028-14,7846/30/2025
5.37242 % Tompkins Financial Corporation ESOP766,55803/17/2025
4.20620 % Dimensional Fund Advisors, L.P.600,1588,6476/30/2025
2.17641 % Geode Capital Management, L.L.C.310,53911,4556/30/2025
1.01006 % American Century Investment Management, Inc.144,1202,4896/30/2025
0.96613 % Spain (Michael H)137,851-42,0493/17/2025
0.87167 % Cornell Pochily Investment Advisors, Inc.124,3742,2386/30/2025
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Tompkins Financial Executives and Management Board

Mr. Stephen Romaine

(59)
Tompkins Financial President, Chief Executive Officer, Director
Compensation 2.77 M

Mr. John McKenna

(57)
Tompkins Financial Executive Vice President
Compensation 967,105

Mr. David Boyce

(57)
Tompkins Financial Executive Vice President
Compensation 877,720

Mrs. Ginger Kunkel

(53)
Tompkins Financial Executive Vice President; President of Tompkins Community Bank PA
Compensation 601,081

Mr. Matthew Tomazin

(39)
Tompkins Financial Chief Financial Officer, Executive Vice President, Treasurer
Compensation 474,403
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Tompkins Financial Supply Chain

NameRelationshipTwo-week correlationOne-month correlationThree-Month CorrelationSix-Month CorrelationOne Year CorrelationTwo-Year Correlation
LPL Financial Stock
LPL Financial
SupplierCustomer0,580,86-0,28-0,430,070,83
1

Most common questions regarding Tompkins Financial

What values and corporate philosophy does Tompkins Financial represent?

Tompkins Financial Corp stands for strong values and a robust corporate philosophy. The company focuses on providing exceptional financial services to individuals, families, and businesses. Tompkins Financial Corp believes in integrity, trust, and putting the needs of customers first. With a commitment to building long-term relationships, the company offers personalized solutions and a superior banking experience. Through continuous innovation and a customer-centric approach, Tompkins Financial Corp strives to deliver financial success and stability. As a leading financial institution, Tompkins Financial Corp prioritizes responsible banking practices and community involvement, fostering economic growth and prosperity.

In which countries and regions is Tompkins Financial primarily present?

Tompkins Financial Corp is primarily present in the United States.

What significant milestones has the company Tompkins Financial achieved?

Established in 1836, Tompkins Financial Corp has achieved several significant milestones throughout its long history. The company has consistently expanded its presence and operations, acquiring and integrating other financial institutions to strengthen its position in the market. Tompkins Financial Corp has successfully navigated various economic cycles, demonstrating its resilience and ability to adapt. In recent years, the company has continued to deliver strong financial performance, with consistent growth in assets, revenues, and earnings. Tompkins Financial Corp has also been recognized for its commitment to community development and corporate social responsibility, receiving numerous accolades for its ethical business practices and philanthropic initiatives.

What is the history and background of the company Tompkins Financial?

Tompkins Financial Corp is a prominent financial institution with a rich history and strong background. Founded in 1836, the company has been providing comprehensive banking, investment, and insurance services to customers across New York, Pennsylvania, and Vermont. With its headquarters in Ithaca, New York, Tompkins Financial Corp has grown to become a leading provider of personalized financial solutions. Throughout its history, the company has remained committed to its core values of building lasting relationships, delivering exceptional customer service, and supporting local communities. Tompkins Financial Corp continues to thrive as a trusted financial partner, offering innovative solutions to individuals, businesses, and organizations.

Who are the main competitors of Tompkins Financial in the market?

The main competitors of Tompkins Financial Corp in the market are other prominent financial institutions, including Bank of America, JPMorgan Chase, Wells Fargo, and Citigroup.

In which industries is Tompkins Financial primarily active?

Tompkins Financial Corp is primarily active in the banking and financial services industries.

What is the business model of Tompkins Financial?

Tompkins Financial Corp is a diversified financial services company. Their business model revolves around offering a range of banking and financial services to individuals, businesses, and organizations. Tompkins Financial Corp operates through its subsidiaries, which include Tompkins Trust Company, Tompkins Mahopac Bank, Tompkins VIST Bank, Tompkins Insurance Agencies, and Tompkins Financial Advisors. With a focus on personalized customer service, they provide solutions such as banking products, insurance services, wealth management, trust and investment services, mortgage lending, and more. Tompkins Financial Corp aims to meet the financial needs of its customers while establishing long-term relationships, delivering value, and serving the communities they operate in.

What is the P/E ratio of Tompkins Financial 2025?

The P/E ratio cannot be calculated for Tompkins Financial at the moment.

What is the P/S ratio of Tompkins Financial 2025?

The P/S cannot be calculated for Tompkins Financial currently.

What is the Quality Investing of Tompkins Financial?

The Quality Investing for Tompkins Financial is 3/10.

What is the revenue of Tompkins Financial 2025?

The expected Tompkins Financial revenue is 339.97 M USD.

How high is the profit of Tompkins Financial 2025?

The expected Tompkins Financial profit is 87.63 M USD.

What is the business model of Tompkins Financial

Tompkins Financial Corporation is a multi-business financial services company headquartered in Ithaca, New York. It was founded in 1836 and has a strong presence in the Upstate New York, Pennsylvania, and Connecticut regions. The business model of Tompkins Financial is divided into three main business segments: Community Banking, Wealth Management, and Insurance. Community Banking focuses on providing banking services to individuals, businesses, agricultural enterprises, and municipal institutions. The banking division includes several subsidiaries such as Tompkins Trust Company, Tompkins Bank of Castile, Mahopac Bank, and VIST Bank. The products offered include deposit accounts such as checking accounts, savings accounts, and money market accounts, as well as loans such as mortgages, auto loans, and business loans. The second business segment of Tompkins Financial is Wealth Management. It specializes in providing financial advisory services, investment management, and trust services. The company offers its clients various investment options such as stocks, bonds, mutual funds, and other investment instruments. Additionally, Tompkins Financial has specialized investment teams focusing on specific asset classes and strategies to meet the individual needs of clients. In the area of trust services, Tompkins Financial provides advice on estate planning, asset transfer, and estate administration preparation. The third business segment of Tompkins Financial is Insurance. It specializes in insurance and offers a variety of insurance products and services including auto, home, business property and liability, and life insurance. Tompkins Financial is also a specialized provider of risk management solutions for businesses and organizations. In summary, Tompkins Financial's business model revolves around three main business segments: Community Banking, Wealth Management, and Insurance. The company aims to provide its customers with a wide range of financial products and services to meet their individual needs. Tompkins Financial also plans to continue investing in new technologies and meeting customer needs to be successful in a competitive market. Translate this as near as possible to English.

What is the Tompkins Financial dividend?

Tompkins Financial pays a dividend of 2.31 USD distributed over 4 payouts per year.

How often does Tompkins Financial pay dividends?

Tompkins Financial pays out a dividend 4 times a year.

What is the Tompkins Financial ISIN?

The ISIN of Tompkins Financial is US8901101092.

What is the Tompkins Financial WKN?

The WKN of Tompkins Financial is 762575.

What is the Tompkins Financial ticker?

The ticker of Tompkins Financial is TMP.

How much dividend does Tompkins Financial pay?

Over the past 12 months, Tompkins Financial paid a dividend of 2.44 USD . This corresponds to a dividend yield of about . For the coming 12 months, Tompkins Financial is expected to pay a dividend of 2.62 USD.

What is the dividend yield of Tompkins Financial?

The current dividend yield of Tompkins Financial is .

When does Tompkins Financial pay dividends?

Tompkins Financial pays a quarterly dividend. This is distributed in the months of December, March, June, September.

How secure is the dividend of Tompkins Financial?

Tompkins Financial paid dividends every year for the past 39 years.

What is the dividend of Tompkins Financial?

For the upcoming 12 months, dividends amounting to 2.62 USD are expected. This corresponds to a dividend yield of 3.79 %.

In which sector is Tompkins Financial located?

Tompkins Financial is assigned to the 'Finance' sector.

Wann musste ich die Aktien von Tompkins Financial kaufen, um die vorherige Dividende zu erhalten?

To receive the latest dividend of Tompkins Financial from 8/15/2025 amounting to 0.62 USD, you needed to have the stock in your portfolio before the ex-date on 8/8/2025.

When did Tompkins Financial pay the last dividend?

The last dividend was paid out on 8/15/2025.

What was the dividend of Tompkins Financial in the year 2024?

In the year 2024, Tompkins Financial distributed 2.4 USD as dividends.

In which currency does Tompkins Financial pay out the dividend?

The dividends of Tompkins Financial are distributed in USD.

All fundamentals about Tompkins Financial

Our stock analysis for Tompkins Financial Revenue stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Tompkins Financial Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.