📊 TMP Key Takeaways
Is Tompkins Financial Corp. (TMP) a Good Investment?
Tompkins Financial faces severe operational deterioration with an 80.2% revenue collapse and critically low returns (ROE 2.8%, ROA 0.3%), indicating the bank is not generating adequate shareholder value despite a $8.7B asset base. The alarming 0.3x interest coverage ratio suggests operating income cannot adequately service debt obligations, signaling structural profitability challenges. While free cash flow generation remains strong, it masks fundamental business weakness that requires immediate resolution.
Tompkins Financial Corp. Key Strengths (TMP)
- Strong free cash flow generation of $71.1M with 69.3% FCF margin demonstrates cash conversion capability
- Minimal leverage with 0.00x debt-to-equity ratio provides financial flexibility and safety buffer
- Substantial asset base of $8.7B and solid operating margins of 33.6% provide foundational stability
TMP Stock Risks: Tompkins Financial Corp. Investment Risks
- Catastrophic 80.2% year-over-year revenue decline indicates severe business deterioration or potential asset quality issues
- Critically low returns: ROE of 2.8% and ROA of 0.3% far below banking sector standards, failing to generate adequate shareholder value
- Concerning interest coverage ratio of 0.3x suggests operating income cannot cover interest expense, indicating structural profitability crisis
Key Metrics to Watch
- Net interest margin trend and deposit cost evolution driving revenue decline
- Asset quality metrics: non-performing loan ratios and loan loss provisions
- Return on equity trajectory toward 8%+ recovery threshold for banking sector viability
Tompkins Financial Corp. (TMP) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 69.3% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
TMP Profit Margin, ROE & Profitability Analysis
TMP vs Finance Sector: How Tompkins Financial Corp. Compares
How Tompkins Financial Corp. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Tompkins Financial Corp. Stock Overvalued? TMP Valuation Analysis 2026
Based on fundamental analysis, Tompkins Financial Corp. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Tompkins Financial Corp. Balance Sheet: TMP Debt, Cash & Liquidity
TMP Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Tompkins Financial Corp.'s revenue has shown modest growth of 9% over the 5-year period. The most recent EPS of $0.66 reflects profitable operations.
TMP Revenue Growth, EPS Growth & YoY Performance
TMP Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2025 | $20.3M | $16.9M | $1.18 |
| Q3 2024 | $20.7M | -$5.5M | $-0.39 |
| Q2 2024 | $18.4M | $8.5M | $0.59 |
| Q1 2024 | $18.8M | $16.9M | $1.18 |
| Q3 2023 | $20.1M | -$5.5M | $-0.39 |
| Q2 2023 | $18.0M | $8.5M | $0.59 |
| Q1 2023 | $18.8M | $19.4M | $1.35 |
| Q3 2022 | $19.4M | $21.3M | $1.45 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Tompkins Financial Corp. Dividends, Buybacks & Capital Allocation
TMP SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Tompkins Financial Corp. (CIK: 0001005817)
📋 Recent SEC Filings
❓ Frequently Asked Questions about TMP
What is the AI rating for TMP?
Tompkins Financial Corp. (TMP) has an AI grade of C with 78% confidence, based on fundamental analysis of SEC EDGAR filings.
What are TMP's key strengths?
Claude: Strong free cash flow generation of $71.1M with 69.3% FCF margin demonstrates cash conversion capability. Minimal leverage with 0.00x debt-to-equity ratio provides financial flexibility and safety buffer.
What are the risks of investing in TMP?
Claude: Catastrophic 80.2% year-over-year revenue decline indicates severe business deterioration or potential asset quality issues. Critically low returns: ROE of 2.8% and ROA of 0.3% far below banking sector standards, failing to generate adequate shareholder value.
What is TMP's revenue and growth?
Tompkins Financial Corp. reported revenue of $102.7M.
Does TMP pay dividends?
Tompkins Financial Corp. pays dividends, with $9.5M distributed to shareholders in the trailing twelve months.
Where can I find TMP SEC filings?
Official SEC filings for Tompkins Financial Corp. (CIK: 0001005817) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is TMP's EPS?
Tompkins Financial Corp. has a diluted EPS of $1.82.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is TMP's fundamental grade?
Based on our AI fundamental analysis in June 2026, Tompkins Financial Corp. has a C grade with 78% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is TMP stock overvalued or undervalued?
Valuation metrics for TMP: ROE of 2.8% (sector avg: 12%), net margin of 25.4% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is TMP's AI grade for 2026?
Our dual AI analysis gives Tompkins Financial Corp. a combined C grade for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is TMP's free cash flow?
Tompkins Financial Corp.'s operating cash flow is $73.4M, with capital expenditures of $2.3M. FCF margin is 69.3%.
How does TMP compare to other Finance stocks?
Vs Finance sector averages: Net margin 25.4% (avg: 25%), ROE 2.8% (avg: 12%), current ratio N/A (avg: 1.2).