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what it is
Tompkins Financial runs a regional bank and sells loans, deposits, wealth advice, and insurance.
how it gets paid
Last year Tmp made $76M in revenue. Banking spread income was the main engine at $31.9M, or 42% of sales.
why growth slowed
Revenue fell 4.5% last year. The $4.52 EPS print mattered because it was 174% above last year.
what just happened
Tompkins posted $22M of quarterly revenue and $4.52 EPS, with revenue up 6% vs. prior year.
At a glance
B balance sheet — gets the job done, barely
35/100 earnings predictability — expect surprises
12.9x trailing p/e — the market's not buying it — or you found a deal
3.6% dividend yield — cash in your pocket every quarter
$4.97 fy2024 eps est
xvary composite: 53/100 — below average
What they do
Tompkins Financial runs a regional bank and sells loans, deposits, wealth advice, and insurance.
You do not switch a bank relationship lightly. Tompkins has 54 offices, with 38 in New York and 16 in Pennsylvania, so your accounts, loans, and local branch ties all sit in one place. That makes leaving painful, especially when 1,011 employees are built around the same customer base.
How they make money
$76M
annual revenue · their business grew -4.5% last year
Banking spread income
$31.9M
4.5%
Wealth management and trust
$13.3M
0.0%
Mortgage and lending fees
$11.4M
2.0%
Insurance agency services
$9.1M
0.0%
Cash management and card services
$10.3M
1.0%
The products that matter
business loans and deposits
Commercial Banking
core earnings engine
This is the core of a bank producing $435M in revenue and a 37% net margin, so loan quality matters more than any marketing slogan.
credit risk lives here
investment and trust services
Wealth Management
fee income diversifier
In a company worth about $1B, fee-based revenue matters because it gives you some earnings support outside plain old spread lending.
non-interest income
property and casualty brokerage
Insurance
third revenue stream
Insurance will not transform the story, but in a bank concentrated in two states it gives you one more place to earn without adding another $543M of debt.
stability lever
Key numbers
$76M
ttm revenue
That's the whole top line. A 4.5% drop means less spread to work with.
$543M
long-term debt
That's 34% of capital, so the balance sheet already has weight on it.
3.6%
dividend yield
You get paid 3.6% to wait, which matters when the stock is flat.
12.9x
trailing p/e
You're paying 12.9 times earnings for a bank with declining revenue.
Financial health
B
strength
- balance sheet grade B — adequate — nothing special
- risk rank 3 — safer than 50% of stocks
- price stability 65 / 100
- long-term debt $543M (34% of capital)
B — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for TMP right now.
source: institutional data · return history unavailable
What just happened
beat estimates
Tompkins posted $22M of quarterly revenue and $4.52 EPS, with revenue up 6% vs. prior year.
EPS rose 174% versus last year. Revenue also moved up 6%, which is a cleaner look than the full-year 4.5% decline.
$22M
revenue
$4.52
eps
n/a
n/a
the number that mattered
The $4.52 EPS print mattered because it was 174% above last year.
source: EDGAR SEC filings, 2025
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What could go wrong
the top risk here is credit stress inside a geographically concentrated regional loan book.
high
two-state concentration
TMP operates in just two states. That means you are not diversified across a national footprint. If local commercial activity weakens, the whole franchise feels it.
exposure is tied to the full $435M revenue base, not a side segment
med
loan book quality
The page does not give a full loan mix breakdown, which is exactly why this risk matters. Commercial real estate and local business lending are where regional banks can look fine until they do not.
the margin story breaks first if credit costs rise
med
debt limits flexibility
Long-term debt sits at $543M, or 34% of capital. That is manageable, but it reduces room for error if profitability softens or funding costs move the wrong way.
less balance-sheet room to absorb a tougher cycle
med
the stock may stay cheap
A 12.9x trailing P/E and 7.4x forward P/E look inexpensive. In human terms: the market is paying for stability, not awarding a premium for growth. That can persist for a long time.
multiple expansion is not something you should assume
You own a profitable bank, but the investment case is tightly linked to local credit conditions, a 37% margin staying intact, and a balance sheet carrying $543M of long-term debt.
source: institutional data · regulatory filings · risk analysis
Pay attention to
earnings
Q1 2026 earnings report
Scheduled for April 24, 2026. The current revenue forecast is $82.89M, so any deviation will matter because the market already expects steadiness.
margin
net margin holding near 37%
That margin is doing a lot of work in the valuation story. If it slips, the cheap-looking multiple will stop looking cheap quite so quickly.
credit
signs of loan stress in local markets
The snapshot does not provide full loan-book detail. That makes management commentary and future filings more important than usual.
leadership
new bank president execution
Phillip M. Quintana steps in on March 16, 2026. At a local lender, operating discipline and relationship continuity can show up in the numbers faster than people think.
Analyst rankings
earnings predictability
35 / 100
This is a low predictability score. In human-speak, analysts do not see this as a clean, highly forecastable earnings story.
street stance
hold
Hold means exactly what it sounds like: the business looks stable enough to keep, but not compelling enough to chase aggressively.
source: institutional data
Institutional activity
institutional ownership data for TMP is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$74
current price
n/a
target midpoint · n/a from current
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