Tompkins Financial Corporation Common Stock (TMP)

FairStock Score: 74/100 — STEADY

Key Financials

Strengths

• Solid return on equity of 19.8% above cost of capital
• Superior net profit margin of 21.8% indicating pricing power and operational efficiency
• Attractive 3.2% dividend yield providing steady income returns
• FairStock composite score of 74/100 places it in the top tier across value, quality, and momentum factors

Concerns

• Revenue declining at 97.0% year-over-year signals potential demand weakness or market share loss
• Weak Piotroski F-Score of 3/9 suggests deteriorating financial quality across multiple dimensions
• Altman Z-Score of 0.2 places it in the financial distress zone—elevated bankruptcy risk

AI Analysis

Tompkins Financial Corporation Common Stock is a micro-cap financial services company valued at $1.2 billion. The business generates $441 million in annual revenue with a 21.8% net margin. From a quality standpoint, Tompkins shows weak Piotroski F-Score of 3/9 signaling deteriorating fundamentals and distressed Altman Z-Score of 0.2 warrants caution. On valuation, the stock is deeply undervalued on a P/E basis at 7.0x, with offers a 36% margin of safety vs Graham Number of $131. Growth dynamics show revenue growing at -97.0% and profit growth of 389.6%. The 3.2% dividend yield adds an income component for patient holders. Our composite FairStock Score of 74/100 reflects above-average fundamentals overall. Investors should weigh the business quality against the current price and their own margin of safety requirements.

Bull Case

The market underappreciates Tompkins's consistent 20% ROE at just 7x earnings—a re-rating toward sector peers could unlock 30-50% upside. Operational leverage in the business model means incremental revenue growth could disproportionately boost bottom-line profitability.

Bear Case

Macro headwinds or sector-specific disruption could pressure margins, particularly if competitive intensity increases in the financial services space. Regulatory changes, input cost inflation, or demand normalization represent underappreciated risks that could materially impact forward estimates.

Data from SEC filings. AI analysis is for educational purposes only — not investment advice. Scoring methodology · Disclaimer