Tompkins Financial trades at a forward price-to-earnings of 11.1x with a PEG of 0.34 and 38% net margins, backed by a golden cross breakout and strong peer-relative value rankings, but negative asymmetry of -1.85 with the price above the analyst target makes this a hold rather than a new buy.
Thesis pillars
- Deep Value Low Peg→Stable
- High Margin Quality Banking→Stable
- Golden Cross Breakout→Stable
- +1 more pillar — see the Why tab for full reasoning
Tompkins Financial Corporation (TMP) Stock Analysis
Breakout setup · Catalyst-Driven edge
Financial Services · Banks - Regional
Hold if already holding. Not a fresh buy at $94.64, but acceptable to hold if already in. Reasons: Concentration risk — Geographic: New York State and Pennsylvania; Concentration risk — Loan Portfolio: commercial and commercial real estate loans (73.9%).
Tompkins Financial Corporation is a financial holding company operating Tompkins Community Bank, which runs 54 banking offices — 38 in New York and 16 in Pennsylvania — offering commercial and consumer banking, wealth management, and trust services. The bank held $8.7 billion in... Read more
Hold if already holding. Not a fresh buy at $94.64, but acceptable to hold if already in. Reasons: Concentration risk — Geographic: New York State and Pennsylvania; Concentration risk — Loan Portfolio: commercial and commercial real estate loans (73.9%). Chart setup: Golden cross, above all MAs, RSI 59, MACD bullish. Maintain position. Not compelling to add more. Score 6.5/10, moderate confidence.
Passes 6/8 gates (positive momentum, clean insider activity, news events none recent, earnings proximity 18d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.
About Tompkins Financial Corporation
About Tompkins Financial Corporation
Tompkins Community Bank, the banking subsidiary of Tompkins Financial Corporation, held $8.7 billion in total assets, $6.4 billion in total loans, and $7.1 billion in total deposits as of December 31, 2025, operating 54 banking offices split between 38 in New York and 16 in Pennsylvania. The Ithaca, New York-based financial holding company also provides trust and wealth management services under the Tompkins Financial Advisors brand and is regulated by the Federal Reserve Board, the FDIC, and the New York State Department of Financial Services.
Tompkins earns its revenue primarily from net interest income on loans and securities, supplemented by fee income from trust, investment management, and financial-planning services delivered through Tompkins Financial Advisors. Commercial and commercial real estate loans made up 73.9% of the company's total loan portfolio at year-end 2025, with agricultural loans — real estate and operating loans tied to the health of the farm economy — comprising another 5.4%. Funding relies on core deposits from its New York and Pennsylvania branch network, supplemented by borrowings and repurchase agreements from the Federal Home Loan Bank of New York, its most important liquidity counterparty. On October 31, 2025, the company sold its insurance subsidiary, Tompkins Insurance Agencies, to Arthur J. Gallagher Risk Management Services, narrowing its business to two segments: banking and wealth management.
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Tompkins Financial's credit risk skews toward commercial and commercial real estate exposure, which the 10-K identifies as a concentration the company expects to persist in 2026 and beyond, while its geographic footprint gives it less ability than larger regional or national banks to diversify credit risk across multiple markets. Agricultural loans, 5.4% of the total portfolio, depend on farm profitability that the filing flags as vulnerable to tariffs and retaliatory trade measures affecting the cost and demand for products tied to those farm operations. Because the company's operations concentrate in New York State and, to a lesser extent, Pennsylvania, a downturn specific to either market could disproportionately affect loan repayment and collateral values.
See also: Financial Services · Banks - Regional
From Tompkins Financial Corporation's most recent 10-K filing, extracted July 6, 2026.
Recent developments
updated 2026-07-07Recent Developments — Tompkins Financial Corporation
Latest news
- NEWS TMP Insider Filings: Two Officers Report Initial Holdings April 2026 - Meyka — Meyka neutral
- NEWS TMP Tompkins delivers massive Q4 2025 EPS beat, yet soft year-over-year revenue leads to slight share dip today. - Fast — Xã Thanh Hà positive
- NEWS TMP Tompkins delivers massive Q4 2025 EPS beat, yet soft year-over-year revenue leads to slight share dip today. - Margi — Cổng thông tin điện tử tỉnh Lào Cai positive
- NEWS Tompkins (TMP) Stock Risk | Q4 2025: EPS Exceeds Expectations - Dividend Suspension - Xã Vĩnh Công — Xã Vĩnh Công positive
- NEWS Net revenue after provisions of Tompkins Financial Corporation – AMEX:TMP - TradingView — TradingView neutral
Generated 2026-07-07T10:21:37Z.
Upcoming dated catalysts
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- HIGHGeographicNew York State and Pennsylvania10-K Item 1A: 'The Company's operations are heavily concentrated in New York State and, to a lesser extent, Pennsylvania'
- HIGHloan_portfoliocommercial and commercial real estate loans74%10-K Item 1A: 'commercial and commercial real estate loans totaled $4.8 billion or 73.9% of the Company's total loans'
- MEDIUMcounterpartyFederal Home Loan Bank of New York (FHLBNY)10-K Item 1A: 'The most important counterparty for the Company, in terms of liquidity, is the Federal Home Loan Bank of New York'
Material Events(8-K, last 90d)
- 2026-04-27Item 5.02MEDIUMPhillip M. Quintana appointed President of Tompkins Community Bank and EVP of Tompkins Financial Corporation, effective April 27, 2026, succeeding John M. McKenna, who stepped down after 17 years due to personal health considerations.SEC filing →
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Rating Breakdown
1 ceiling hit
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Hold if already holding. Not a fresh buy at $94.64, but acceptable to hold if already in. Reasons: Concentration risk — Geographic: New York State and Pennsylvania; Concentration risk — Loan Portfolio: commercial and commercial real estate loans (73.9%). Chart setup: Golden cross, above all MAs, RSI 59, MACD bullish. Maintain position. Not compelling to add more. Target $95.18 (+0.6%), stop $90.28 (−4.8%), A.R:R -2.1:1. Score 6.5/10, moderate confidence.
Take-profit target: $95.18 (+0.6% upside). Target $95.18 (+0.6%), stop $90.28 (−4.8%), A.R:R -2.1:1. Stop-loss: $90.28.
Concentration risk — Geographic: New York State and Pennsylvania; Concentration risk — Loan Portfolio: commercial and commercial real estate loans (73.9%); Analyst target reached - limited upside remaining.
Tompkins Financial Corporation trades at a P/E of 8.1 (forward 11.6). TrendMatrix value score: 9.2/10. Verdict: Hold.
6 analysts cover TMP with a consensus score of 3.8/5. Average price target: $89.
What does Tompkins Financial Corporation do?Tompkins Financial Corporation is a financial holding company operating Tompkins Community Bank, which runs 54 banking...
Tompkins Financial Corporation is a financial holding company operating Tompkins Community Bank, which runs 54 banking offices — 38 in New York and 16 in Pennsylvania — offering commercial and consumer banking, wealth management, and trust services. The bank held $8.7 billion in total assets, $6.4 billion in loans, and $7.1 billion in deposits as of December 31, 2025, after selling its insurance subsidiary to Arthur J. Gallagher in October 2025.