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Tompkins Financial Corporation (TMP) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Tompkins Financial Corporation

TMPMarket cap $1.41BPrice $97.8

Country🇺🇸United States

SectorFinancials

IndustryBanks

Runs community banks, wealth management, and insurance across upstate New York and beyond, serving customers who value relationships over rate-chasing. Been profitable through multiple recessions by sticking to boring, disciplined lending instead of chasing flashy growth.

In Bastion Portfolios?

52W Return+58%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+13%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)-3%–

Rev CAGR (5y)-1%1

Earnings Forecast

EPS Growth Y+1-31%2

EPS Growth Y+2+7%6

EPS Growth Y+3+4%5

Quality

Margins

EBIT Margin0%8

Net Income Margin39%10

Free Cash Flow Margin11%6

Debt

Net Debt/EBITDAna–

Efficiency

ROE20%8

ROA2%4

Earnings Stability44

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)127

P/E Ratio (Forward 3y)117

P/BV1.58

EV Multiples

EV/EBITDA Fwd07

EV/EBIT Fwd07

Yield

Free Cash Flow Yield0.0%10

Dividend Yield2.9%7

Momentum

Short term

1 month return-2%7

3 month return+5%8

YTD return+38%9

Mid term

Price vs 52wHigh95%9

1 year return+55%9

Long term

3 year return+120%8

5 year return+41%5

Risk Shield

Price Risk

Beta0.76

Volatility27%8

Free Cash Flow

Free Cash Flow Margin11%6

Free Cash Flow Yield0.0%10

Quality

ROCE20%4

Earnings Stability44

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

TMPTompkins Financial

Revenue FY25$435M

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+13%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR-3%–

Revenue, next 5Y, CAGR-1%1

EARNINGS FORECAST▾SCORE

EPS growth, FY26E-31%2

EPS growth, FY27E+7%6

EPS growth, FY28E+4%5

GROWTH ASSESSMENT

STRENGTHS

None flagged.

WATCH

Earnings are set to grow faster than sales (EPS about 4%/yr vs revenue -3%/yr), so margins should widen. One year dips: EPS falls 31% next year.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

Revenue is set to shrink 3%/yr over the next 3 years, behind most of the market.1/10

Revenue grew 13%/yr over the last 3 years, but it is set to shrink 3%/yr from here.

Over five years revenue is set to shrink 1%/yr, behind 90% of companies worldwide.1/10

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business heading into decline. The one thing to watch: forward revenue growth trails the market.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

STRONG84 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-2%7

3-month return+5%8

YTD return+38%9

MID & LONG-TERM▾SCORE

% of 52-week high95%9

1-year return+55%9

3-year return+120%8

5-year return+41%5

MOMENTUM ASSESSMENT

STRENGTHS

Strong long-term results. Long-term holders have seen +120% over three years and +41% over five, ahead of 60% of the market.

It's up 55% over the past year, now sitting right at its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over the past month (-2%), over three months (+5%) and so far this year (+38%).

WATCH

None flagged.

WEAKNESSES

None flagged.

BOTTOM LINE

Momentum Leader

Short- and long-term returns both rank among the best globally, and the stock trades near its highs. The market is fully behind it — a core fit for momentum strategies.

04Value

Are you paying a fair price for it?

Stop guessing on Tompkins Financial Corporation. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

TMPTompkins Financial

Revenue FY25$435M

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+13%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR-3%–

Revenue, next 5Y, CAGR-1%1

EARNINGS FORECAST▾SCORE

EPS growth, FY26E-31%2

EPS growth, FY27E+7%6

EPS growth, FY28E+4%5

GROWTH ASSESSMENT

STRENGTHS

None flagged.

WATCH

Earnings are set to grow faster than sales (EPS about 4%/yr vs revenue -3%/yr), so margins should widen. One year dips: EPS falls 31% next year.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

Revenue is set to shrink 3%/yr over the next 3 years, behind most of the market.1/10

Revenue grew 13%/yr over the last 3 years, but it is set to shrink 3%/yr from here.

Over five years revenue is set to shrink 1%/yr, behind 90% of companies worldwide.1/10

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business heading into decline. The one thing to watch: forward revenue growth trails the market.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

STRONG84 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-2%7

3-month return+5%8

YTD return+38%9

MID & LONG-TERM▾SCORE

% of 52-week high95%9

1-year return+55%9

3-year return+120%8

5-year return+41%5

MOMENTUM ASSESSMENT

STRENGTHS

Strong long-term results. Long-term holders have seen +120% over three years and +41% over five, ahead of 60% of the market.

It's up 55% over the past year, now sitting right at its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over the past month (-2%), over three months (+5%) and so far this year (+38%).

WATCH

None flagged.

WEAKNESSES

None flagged.

BOTTOM LINE

Momentum Leader

Short- and long-term returns both rank among the best globally, and the stock trades near its highs. The market is fully behind it — a core fit for momentum strategies.

04Value

Are you paying a fair price for it?

Stop guessing on Tompkins Financial Corporation. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community