Tompkins Financial/$TMP
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About Tompkins Financial
Tompkins Financial Corp is a Financial Holding Company. It has three business segments, consisting of banking, insurance and wealth management. It offers various products and services, including commercial and consumer banking, leasing, trust and investment management, financial planning and wealth management, and insurance. Insurance is comprised of property and casualty insurance services and employee benefit consulting. Wealth management activities include the results of the company's trust, financial planning, and wealth management services. The company generates majority of its revenue from Banking segment.
Ticker
$TMP
Sector
Primary listing
AMEX
Employees
976
Headquarters
Website
TMP Metrics
BasicAdvanced
$965M
11.33
$5.90
0.81
$2.48
3.71%
Price and volume
Market cap
$965M
Beta
0.81
52-week high
$76.46
52-week low
$54.16
Average daily volume
45K
Dividend rate
$2.48
Financial strength
Dividend payout ratio (TTM)
42.22%
Profitability
Net profit margin (TTM)
26.66%
Operating margin (TTM)
35.10%
Effective tax rate (TTM)
23.78%
Revenue per employee (TTM)
$320,000
Management effectiveness
Return on assets (TTM)
1.03%
Return on equity (TTM)
11.19%
Valuation
Price to earnings (TTM)
11.334
Price to revenue (TTM)
3.005
Price to book
1.22
Price to tangible book (TTM)
1.38
Price to free cash flow (TTM)
10.056
Free cash flow yield (TTM)
9.94%
Free cash flow per share (TTM)
6.65
Dividend yield (TTM)
3.71%
Forward dividend yield
3.71%
Growth
Revenue change (TTM)
10.67%
Earnings per share change (TTM)
27.02%
3-year revenue growth (CAGR)
1.37%
3-year earnings per share growth (CAGR)
0.24%
10-year earnings per share growth (CAGR)
4.50%
3-year dividend per share growth (CAGR)
2.84%
10-year dividend per share growth (CAGR)
3.97%
What the Analysts think about TMP
Analyst ratings (Buy, Hold, Sell) for Tompkins Financial stock.
Bulls say / Bears say
Net interest margin expanded to 3.20% in Q3 2025, up 41 basis points year‑over‑year, driving net interest income up 20.1% to $63.9 million.
Total loans grew 6.9% year‑over‑year to $6.29 billion and total deposits increased 7.2% to $7.1 billion as of September 30, 2025, reflecting strong core growth.
Tier 1 capital to average assets stood at 9.41% and the company maintained $1.5 billion (17.8% of assets) in ready liquidity at quarter‑end, underscoring a solid capital and liquidity position.
Special mention and substandard loans and leases rose to $144.2 million at September 30, 2025, up from $126.0 million a year earlier, signaling potential asset‑quality deterioration.
Provision for credit losses increased to $10.6 million for the nine months ended September 30, 2025, versus $5.2 million a year ago, including a $4.7 million commercial real estate charge‑off in Q2, indicating elevated credit risk.
Noninterest expense grew by 8.0% year‑over‑year to $53.8 million in Q3 2025, reflecting rising operating costs and investments that could weigh on profitability.
Data summarised monthly by Lightyear AI. Last updated on 6 Nov 2025.
TMP Financial Performance
Revenues and expenses
TMP Earnings Performance
Company profitability
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FAQs
What’s the current market cap for Tompkins Financial stock?
Tompkins Financial (TMP) has a market cap of $965M as of November 07, 2025.
What is the P/E ratio for Tompkins Financial stock?
The price to earnings (P/E) ratio for Tompkins Financial (TMP) stock is 11.33 as of November 07, 2025.
Does Tompkins Financial stock pay dividends?
Yes, the Tompkins Financial (TMP) stock pays dividends to shareholders. As of November 07, 2025, the dividend rate is $2.48 and the yield is 3.71%. Tompkins Financial has a payout ratio of 42.22% on a trailing twelve-month basis.
When is the next Tompkins Financial dividend payment date?
The next Tompkins Financial (TMP) dividend payment is scheduled for November 14, 2025.
What is the beta indicator for Tompkins Financial?
Tompkins Financial (TMP) has a beta rating of 0.81. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.