Is Tompkins Financial (TMP) overvalued or fairly valued?

MarketChacha shows Tompkins Financial's valuation in context — a trailing P/E of about 14.6, a forward P/E of about 11.5, a price-to-book of about 1.4 — 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 $92.51 (-1.9% on the day), as of 7/22/2026 — a delayed quote shown for education, not investment advice.

Tompkins Financial

TMP · NYSE · Financials · United States

$92.51-1.9%

Delayed · as reported by Yahoo Finance · as of Jul 22, 2026, 7:13 PM

Snapshot

TickerTMP

ExchangeNYSE

SectorFinancials

IndustryBanks - Regional

CountryUnited States

Employees813

HeadquartersIthaca, United States

Market cap$1.3B

P/E (TTM)14.6

P/B1.4

Volume63.14K

Websitewww.tompkinsfinancial.com

Filings tracked5

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.

Profile as reported by Yahoo Finance.

Who owns it

Insiders6.5%
Institutions70.5%
Public & other23.0%

300 institutional holders

As reported by Yahoo Finance.

Top holders

Blackrock Inc.13.92%
State Street Corporation8.25%
Tompkins Financial Corp7.77%
Vanguard Portfolio Management LLC5.24%
Dimensional Fund Advisors LP4.08%
Vanguard Capital Management LLC3.93%
Geode Capital Management, LLC2.42%
American Century Companies Inc2.14%

Largest institutional holders, as reported by Yahoo Finance (as of 3/31/2026).

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 $90.1M · EPS 1.92

Est. earnings growth +16.4%

Next fiscal year

Rev $384.7M · EPS 8.05

Est. earnings growth +7.3%

Analyst consensus estimates — not the company's own guidance. As reported by Yahoo Finance.

$61.2152-wk range$97.12

Delayed · as reported by Yahoo Finance

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P/E ROE ROCE Margins Market cap

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Financials at a glance

Source: SEC XBRL

Annual

Quarterly · last 8

Market cap

$1.3B

Day change

-1.9%

P/E (TTM)

14.6

Fwd P/E

11.5

P/B

1.4

Div yield

2.84%

Beta

0.72

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

Market figures: Delayed · as reported by Yahoo Finance. Financials as reported in company filings.

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
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

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

In the news

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