Tompkins Financial Corporation (TMP) Fair Value & Analysis
Financial Services · US · Market cap $1.3B
Tompkins Financial Corporation
TMP · US
Fair value as of: Jun 26, 2026
From 26 valuation models · updated 6 days ago
Share price +9.8% over the past month.
Price vs Fair Value (12 months)
12‑month range $59.40 – $94.66 · fair‑value band $109.19 – $181.98 · the $93.30 price screens below the $145.58 fair value. As of Jun 26, 2026.
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Tompkins Financial Corporation (TMP) currently trades at $93.30, while our model-based Fair Value estimate is $145.58 — implying the stock looks roughly 56.0% undervalued today. We read business quality at 65/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.
Over the trailing twelve months, Tompkins Financial Corporation generated revenue of $441M at a net margin of 38.0%. Revenue grew 7.6% year over year. It earns a return on equity of 19.8%. Net debt stands at $527M. Fundamentals as of Jun 26, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.
About the company
Tompkins Financial Corporation, a financial holding company, provides commercial and consumer banking, leasing, trust and investment management, financial planning and wealth management, and insurance services. It operates through two segments: Banking, and Wealth Management. The company accepts various deposit products, including checking and savings accounts, time deposits, and IRA products. It also offers loans for various business purposes, including real estate financing, construction, equipment financing, accounts receivable financing, and commercial leasing; residential mortgage loans; personal loans; home equity loans; residential real estate loans; commercial and industrial loans; commercial real estate loans; agriculture loans; and consumer and other loans, such as direct and indirect personal installment loans, automobile financing, and overdraft lines of credit. In addition, the company provides letters of credit and sweep accounts; credit and debit cards; deposit and …
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Tompkins Financial Corporation reported revenue of $579M in FY2025 versus $317M in FY2021, a compound +16.3%/yr. Reported net income was $161M in FY2025, compounding +15.9%/yr from FY2021.
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.