Stocks · Financial Services · Banks - Regional
Tompkins Financial Corporation TMP
$98.89 +1.94% Close, Oct 2, 2026 · AMEX · Market cap $1.42B
Strong trend
Next earnings report: Oct 23, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $12.22, up 120.6% year over year.
- Operating margin widened to 34.9% from 23.1% a year earlier.
- The shares trade at 8.1× trailing earnings, lower than 90% of the company's own readings over the past five years.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth42Weak
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 44%
- EPS growth (TTM, YoY)Top 8%
- FCF growth (TTM, YoY)Bottom 12%
- Revenue growth, 3-year CAGRTop 27%
- Revenue growth accelerationBottom 8%
Quality53Neutral
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 22%
- Gross marginTop 30%
- Operating marginTop 20%
- Cash conversion (OCF / net income)Bottom 22%
- Accruals (lower is better)Bottom 21%
- Net debt / EBITDA (lower is better)Bottom 31%
- Interest coverTop 40%
Value72Positive
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 9%
- Free-cash-flow yieldBottom 31%
- EBITDA / enterprise valueTop 38%
- Sales / enterprise valueBottom 32%
- P/E vs own 5-year history (lower is better)Top 11%
Momentum97Exceptional
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 8%
- 6-month returnTop 16%
- 1-year return vs S&P 500Top 6%
- Distance from 52-week highTop 17%
- Trend checklist (0–4)Top 11%
Revisions51Neutral
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 4%
- Consecutive EPS beatsTop 34%
- Share of analysts rating BuyBottom 19%
- Upside to consensus price targetBottom 20%
Stability33Weak
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 34%
- Maximum drawdown, 3 yearsBottom 42%
- Beta vs S&P 500 (lower is better)Top 49%
- Net debt / EBITDA (lower is better)Bottom 31%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 30.7% | 8.3% | ↓ |
| EPS growth (YoY) | 127.0% | 120.6% | ↓ |
| Gross margin | 67.3% | 72.6% | ↑ |
| Operating margin | 23.1% | 34.9% | ↑ |
| FCF margin | 19.9% | 10.6% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 8.3% | 30.7% | ↓ | Top 44% |
| EPS growth (TTM, YoY) | 120.6% | 127.0% | ↓ | Top 8% |
| Gross margin | 72.6% | 67.3% | ↑ | Top 30% |
| Operating margin | 34.9% | 23.1% | ↑ | Top 20% |
| Net margin | 35.8% | 17.6% | ↑ | — |
| Free-cash-flow margin | 10.6% | 19.9% | ↓ | — |
| Return on invested capital | 6.9% | — | Top 22% | |
| Revenue growth, 3-year CAGR | 21.3% | — | Top 27% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 0.32×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 1.4%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.7%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -108.3 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 3.76×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.3×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 2.64%
- Net buyback yield (TTM)
- 0.37%
- Shareholder yield
- 3.02%
- Share count change, 1 year
- +0.0%
- Share count change, 3-year CAGR
- -0.0%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Jul 31, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 3
- Beats in the last 8 reports
- 7 of 8
- Average EPS surprise, last 4
- +74.1%
- Average 2-day reaction, last 8
- +1.9%
- Positive 20 days after report
- 7 of 8
Analysts
- Consensus price target
- $104.00
- Target vs current price
- +5.2%
- Analysts with a rating
- 4
- Share rating Buy or Strong Buy
- 25%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 24, 2026 | +12.1% | +9.1% | +7.3% | +4.8% | — |
| Apr 24, 2026 | +6.4% | -2.8% | -0.5% | +1.7% | +11.3% |
| Jan 30, 2026 | +280.7% | +4.4% | +10.1% | -0.0% | +9.7% |
| Oct 24, 2025 | -2.9% | +1.7% | -0.5% | +1.8% | +22.7% |
| Jul 25, 2025 | +4.9% | +1.5% | +2.2% | +5.2% | +0.2% |
| Apr 25, 2025 | +4.6% | -0.7% | +0.7% | +2.1% | +8.4% |
| Jan 31, 2025 | +18.1% | +3.9% | +7.9% | +2.2% | -11.8% |
| Oct 25, 2024 | +7.4% | -1.8% | +4.3% | +21.9% | +7.5% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 24, 2026 | $2.04 | $1.82 | +12.1% | $87.1M |
| Apr 24, 2026 | $1.82 | $1.71 | +6.4% | $83.7M |
| Jan 30, 2026 | $6.70 | $1.76 | +280.7% | $194.8M |
| Oct 24, 2025 | $1.65 | $1.70 | -2.9% | $87.4M |
| Jul 25, 2025 | $1.50 | $1.43 | +4.9% | $82.6M |
| Apr 25, 2025 | $1.37 | $1.31 | +4.6% | $81.7M |
| Jan 31, 2025 | $1.37 | $1.16 | +18.1% | $76.2M |
| Oct 25, 2024 | $1.30 | $1.21 | +7.4% | $75.6M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 8.1× | 12.6× | 10th | Top 9% |
| P/E (forward) | 12.7× | — | — | — |
| EV / EBITDA | 11.9× | — | — | Top 38% |
| EV / Sales | 4.25× | — | — | Bottom 32% |
| Free-cash-flow yield | 3.63% | — | — | Bottom 31% |
| Earnings yield | 12.36% | — | — | Top 9% |
P/E over the past five years
Range 7.2× – 100.6× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +51.3%
- Earnings per share growth (TTM)
- +120.6%
- Change in P/E multiple
- -28.5%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✓ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 1
- Days above the 200-day average
- 219
- 50-day average slope (20 days)
- +2.0%
- 200-day average slope (20 days)
- +3.3%
- Distance from 50-day average
- +0.2%
- Distance from 200-day average
- +14.1%
- RSI (14)
- 53.6
- Relative volume
- 0.81×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 25.9%
- Volatility vs own 5-year history
- 26th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.69
- Correlation with S&P 500
- 0.39
- Current drawdown from 1-year high
- -2.6%
- Maximum drawdown, 3 years
- -31.7%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Mar 12, 2021 | Apr 17, 2024 | -52.9% | 779 days | 547 days (Jun 24, 2026) |
| Jan 7, 2021 | Jan 29, 2021 | -14.1% | 15 days | 15 days (Feb 22, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $1.42B
- P/E (TTM)
- 8.1
- EPS, diluted (TTM)
- $12.22
- Revenue (TTM)
- $489.4M
- Dividend yield
- 2.72%
- 52-week range
- $61.88 – $102.59
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $316.6M | $324.7M | $303.4M | $431.6M | $578.9M |
| Gross profit | $301.3M | $300.9M | $211.2M | $288.6M | $435.1M |
| Operating income | $114.6M | $109.7M | $12.1M | $93.0M | $224.9M |
| Net income | $89.3M | $85.0M | $9.5M | $70.8M | $161.1M |
| EPS (diluted) | $6.05 | $5.89 | $0.66 | $4.97 | $11.24 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $111.5M | $109.9M | $114.5M | $116.2M | $121.6M | $226.7M | $114.5M | $26.6M |
| Net income | $18.6M | $19.7M | $19.7M | $21.5M | $23.7M | $96.2M | $26.1M | $29.3M |
| EPS (diluted) | $1.30 | $1.37 | $1.37 | $1.50 | $1.65 | $6.70 | $1.82 | $2.05 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $121.2M | $103.3M | $89.0M | $95.0M | $38.9M |
| Capital expenditure | -$4.7M | -$8.2M | -$6.8M | -$6.2M | -$6.9M |
| Free cash flow | $116.4M | $95.2M | $82.2M | $88.8M | $31.9M |
| Dividends paid | -$32.4M | -$33.6M | -$34.5M | -$35.0M | -$36.1M |
| Net share buybacks | -$23.8M | -$14.8M | -$10.0M | $170,000 | -$2.6M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $71.7M
- Total assets
- $8.80B
- Total liabilities
- $7.84B
- Total debt
- $728.1M
- Net debt
- $656.4M
- Shareholders’ equity
- $959.9M
As of Jun 30, 2026 (filed Jul 31, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 7, 2026 | $0.70 | Aug 14, 2026 |
| May 8, 2026 | $0.67 | May 15, 2026 |
| Feb 13, 2026 | $0.67 | Feb 22, 2026 |
| Nov 7, 2025 | $0.65 | Nov 14, 2025 |
| Aug 8, 2025 | $0.62 | Aug 15, 2025 |
| May 9, 2025 | $0.62 | May 16, 2025 |
| Feb 14, 2025 | $0.62 | Feb 21, 2025 |
| Nov 8, 2024 | $0.62 | Nov 15, 2024 |
Short interest
- Shares sold short
- 332,161
- Days to cover
- 3.14
- Change vs previous report
- +10.6%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Feb 3, 2010
- 11-for-10
- May 1, 2006
- 11-for-10
- Feb 2, 2005
- 11-for-10
- Aug 1, 2003
- 11-for-10
- Mar 16, 1998
- 3-for-2