📊 TMP Key Takeaways
Is Tompkins Financial Corp. (TMP) a Good Investment?
Tompkins Financial shows a catastrophic 80% revenue decline combined with mathematically impossible profit margins (>100%) indicating heavy reliance on non-recurring gains rather than sustainable core banking operations. Low interest coverage (2.2x) further signals fundamental deterioration in the core lending business despite positive recent cash flow.
Why Buy Tompkins Financial Corp. Stock? TMP Key Strengths
- Zero long-term debt position reduces financial risk
- Positive free cash flow of 31.9M demonstrates ability to generate liquidity
- Solid ROE of 17.2% and ROA of 1.9% typical for well-managed bank
TMP Stock Risks: Tompkins Financial Corp. Investment Risks
- Catastrophic 80% YoY revenue decline signals core business structural problems
- Operating and net margins exceeding 100% indicate reliance on non-recurring gains or one-time items that mask deteriorating fundamentals
- Weak interest coverage ratio of 2.2x suggests limited capacity to absorb further margin compression in lending operations
Key Metrics to Watch
- Net interest margin trends and net interest income recovery
- Interest coverage ratio trajectory in next quarters
- Composition of income - separation of recurring vs. one-time gains
Tompkins Financial Corp. (TMP) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 42.2% 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. appears fundamentally strong 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 rating of SELL with 65% confidence, based on fundamental analysis of SEC EDGAR filings.
What are TMP's key strengths?
Claude: Zero long-term debt position reduces financial risk. Positive free cash flow of 31.9M demonstrates ability to generate liquidity.
What are the risks of investing in TMP?
Claude: Catastrophic 80% YoY revenue decline signals core business structural problems. Operating and net margins exceeding 100% indicate reliance on non-recurring gains or one-time items that mask deteriorating fundamentals.
What is TMP's revenue and growth?
Tompkins Financial Corp. reported revenue of $75.7M.
Does TMP pay dividends?
Tompkins Financial Corp. pays dividends, with $36.1M 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 $11.24.
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 rating reflects both perspectives for balanced insights.
Is TMP a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Tompkins Financial Corp. has a SELL rating with 65% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is TMP stock overvalued or undervalued?
Valuation metrics for TMP: ROE of 17.2% (sector avg: 12%), net margin of 212.7% (sector avg: 25%). Higher ROE suggests strong returns relative to peers.
Should I buy TMP stock in 2026?
Our dual AI analysis gives Tompkins Financial Corp. a combined SELL rating 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 $38.9M, with capital expenditures of $6.9M. FCF margin is 42.2%.
How does TMP compare to other Finance stocks?
Vs Finance sector averages: Net margin 212.7% (avg: 25%), ROE 17.2% (avg: 12%), current ratio N/A (avg: 1.2).