Tompkins Financial Corporation Common Stock (TMP)

FairStock Score: 74/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at a bank first as a trust business: deposits, credit, and local relationships. Tompkins Financial is a small regional operator—813 employees—with banking plus wealth management and insurance, which can smooth earnings and add fee income. The filed numbers show a sharp recovery: in FY2023, the year ended 2023-12-31, net income was $9.5 million and diluted EPS was $0.66; in FY2024, the year ended 2024-12-31, net income was $70.8 million and EPS was $4.97; in FY2025, the year ended 2025-12-31, net income was $161.1 million and EPS was $11.24. More recently, net income was $21.5 million in fiscal Q2 2025, the quarter ended 2025-06-30; $23.7 million in fiscal Q3 2025, the quarter ended 2025-09-30; $26.1 million in fiscal Q1 2026, the quarter ended 2026-03-31; and $29.3 million in fiscal Q2 2026, the quarter ended 2026-06-30, with diluted EPS of $2.04. That trend is favorable. FairStock's price-based figures at the 2026-10-13 close of $96.20 show a P/E of 7.87, P/B of 1.43, ROE of 20.36%, and PEG of 0.24. A 20% return on equity with a 1.43 multiple of book and a 2.91% dividend yield is not demanding, if earnings are clean. FairStock classifies it as a STALWART, reflecting 15.7% annual profit growth over five years and 2.9% revenue growth. But banking is leveraged and credit-sensitive; a Piotroski F-Score of 4/9 and no CET1, net interest margin, nonperforming loan, reserve, or loan-to-deposit data means I cannot verify the balance sheet. The filed revenue line also looks unusual—in FY2025, the year ended 2025-12-31, revenue was $75.7 million, below net income—so revenue quality is unclear. Tompkins may be a reasonably priced stalwart, but I would demand more credit detail before calling it a Graham-style bargain.

In plain English: Tompkins is a small regional bank that also manages money and sells insurance. Profits have climbed in recent years, and the business looks solid, but the available data does not show key details about loan quality. At the recent price, the shares look inexpensive compared with earnings and net worth, though the risks are not fully visible.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer