Is Tompkins Financial (TMP) overvalued or fairly valued?

MarketChacha shows Tompkins Financial's valuation in context — a trailing P/E of about 14.2, a forward P/E of about 12.0, a price-to-book of about 1.5 — alongside its revenue and profit growth and whether reported profit converts into operating cash, so you can judge value for yourself. MarketChacha does not issue ratings, price targets, or buy/sell advice.

Does Tompkins Financial's reported profit turn into cash?

Over 3 years, about 92% of reported profit turned into operating cash — most of it, but worth reading alongside the cash-flow statement. MarketChacha computes this cash-conversion check (0.92×) from reported figures — education, not a rating.

What is Tompkins Financial's revenue?

Tompkins Financial reported revenue of $75.7M for FY2025, with net profit of $161.1M, per official filings.

What is the share price of Tompkins Financial (TMP)?

Tompkins Financial last traded at $99.75 (+1.1% on the day), as of 9/4/2026 — a delayed quote shown for education, not investment advice.

Tompkins Financial

TMP · NYSE · Financials · United States

Snapshot

TickerTMP

ExchangeNYSE

SectorFinancials

IndustryBanks - Regional

CountryUnited States

Employees813

HeadquartersIthaca, United States

Websitewww.tompkinsfinancial.com

Filings tracked17

About Tompkins Financial

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.

Who owns it

Insiders6.5%
Institutions72.2%
Public & other21.3%

311 institutional holders

Ownership breakdown from public market data.

Top holders

Blackrock Inc.14.25%
State Street Corporation8.40%
Tompkins Financial Corp7.77%
Vanguard Portfolio Management LLC5.34%
Dimensional Fund Advisors LP4.22%
Vanguard Capital Management LLC3.97%
American Century Companies Inc2.87%
Geode Capital Management, LLC2.58%

Largest institutional holders — last updated 6/30/2026.

Forensic scorecard

Over 3 years, about 92% of reported profit turned into operating cash — most of it, but worth reading alongside the cash-flow statement.

Cash conversion0.92×

Over 3 years, about 92% of reported profit turned into operating cash — most of it, but worth reading alongside the cash-flow statement.

Net margin trend12.7% → 212.7%

Margin has expanded by about 200.0 points — the business is getting more profitable.

Growth qualityrev 0% · PAT 312%

Profit growth is broadly tracking revenue growth — the earnings trend looks operational rather than one-off.

Computed by MarketChacha from reported figures (SEC XBRL). Education, not a rating or recommendation.

What's expected next

Next quarter

Rev $91.5M · EPS 2.00

Est. earnings growth +12.6%

Next fiscal year

Rev $380.6M · EPS 8.32

Est. earnings growth +6.5%

Analyst consensus estimates — not the company's own guidance.

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Financials at a glance

Source: SEC XBRL

Annual

Quarterly · last 8

Revenue (FY2025)

$75.7M

Net margin

212.7%

Revenue CAGR (2y)

+0.5%

Profit CAGR (2y)

+311.7%

EPS (FY2025)

11.24

Net profit (FY2025)

$161.1M

Ask MarketChacha about TMP

Get a cited, plain-English answer — the “why”, not just data. Finance research only, never buy/sell advice.

Financials

Yearly

Period	Revenue	Net profit	EPS	Net margin	ROE
FY2025	$75.7M	$161.1M	11.24	212.7%	—
FY2024	$79.3M	$70.8M	4.97	89.3%	9.9%
FY2023	$75.0M	$9.5M	0.66	12.7%	1.4%

Quarterly

Period	Revenue	Net profit	EPS	Net margin
2026Q2	—	$29.3M	2.04	—
2026Q1	—	$26.1M	1.82	—
2025Q3	—	$23.7M	1.65	—
2025Q2	—	$21.5M	1.50	—
2025Q1	$21.5M	$19.7M	1.37	91.5%
2024Q3	$21.3M	$18.6M	1.30	87.5%
2024Q2	$19.3M	$15.7M	1.10	81.3%
2024Q1	$20.3M	$16.9M	1.18	83.3%
2023Q3	$20.7M	$-33.4M	-2.35	-161.4%
2023Q2	$18.4M	$8.5M	0.59	46.1%
2023Q1	$18.8M	$19.4M	1.35	103.1%

Figures as reported, in reporting currency. Source: SEC XBRL.

Filings & announcements

2026

10-Q filing
SEC7/31/2026
8-K — Reg FD disclosure, Exhibits
SEC7/28/2026material
8-K — Results of operations, Other events, Exhibits
SEC7/24/2026material
8-K — Shareholder vote results
SEC5/26/2026material
8-K — Reg FD disclosure, Exhibits
SEC5/19/2026material
10-Q filing
SEC5/5/2026
8-K — Executive/director change
SEC4/27/2026material
8-K — Results of operations, Other events, Exhibits
SEC4/24/2026material
8-K — Reg FD disclosure, Exhibits
SEC3/16/2026material
10-K filing
SEC2/26/2026
8-K — Results of operations, Other events, Exhibits
SEC1/30/2026material

2025

8-K — Executive/director change
SEC12/17/2025material
8-K — Material agreement, Completion of acquisition/disposition, Executive/director change, Reg FD disclosure, Other events, Exhibits
SEC11/3/2025material
10-Q filing
SEC10/28/2025
8-K — Results of operations, Other events, Exhibits
SEC10/24/2025material
10-Q filing
SEC8/5/2025
8-K — Results of operations, Other events, Exhibits
SEC7/25/2025material

In the news

Education and discussion only — not investment advice. Financials from official filings (SEC/BSE) and reported company statements; market figures (delayed market data) are delayed and shown for reference only. Verify with the linked sources before acting.