# Tompkins Financial Corporation (TMP) fundamentals

Data as of 2026-11-04. AMEX, United States. Sector: Financial Services / Banks. Price $99.73, market value $1.4 billion.

## Valuation
- **P/E (trailing): 7.9×** (5-yr avg 25.0×, 3-yr avg 34.0×). Tompkins Financial Corporation trades at 7.9× trailing earnings, well below its own five-year average of 25.0×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 12.1×, higher than trailing, so analysts expect earnings to fall.
- **PEG: 0.10**. A PEG of 0.10 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 18.9×**. Each dollar of revenue is priced at 18.9×, a level that requires very high margins or very fast growth to justify.
- **Price / book: 1.5×**. The shares trade at 1.5× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 3.5%** (5-yr avg 8.9%). Free cash flow equals 3.5% of the market value, below its five-year average of 8.9%, so the shares are pricier on cash than usual.
- **Earnings yield: 12.6%**. The inverse of the P/E: 12.6% of the price is earned each year.

## Profitability
- **Net margin: 212.7%**. 212.7% of each dollar of sales reaches the bottom line.
- **Return on equity: 17.2%**. 17.2% on shareholders' equity is solid.
- **Return on assets: 1.9%**. Each dollar of assets produces 1.9% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): -4.5%** (3-yr 0.8%/yr, 5-yr 2.9%/yr). Revenue fell 4.5% over the last year, against 2.9% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): 126.2%** (3-yr 24.0%/yr, 5-yr 16.7%/yr). Earnings per share rose 126.2%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): -30.5%/yr**. Free cash flow has compounded at -30.5% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Piotroski F-score: 3/9**. 3 of 9 checks pass: weak or deteriorating financials.

## Dividends
- **Dividend yield: 2.97%** ($2.69 per share, trailing). Tompkins Financial Corporation yields 2.97%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 22%** (78% of free cash flow). 22% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 18**. 18 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 3.6%/yr** (1-yr 2.9%). The dividend has grown 3.6% a year over five years.

## Analyst view
- **Analyst consensus: buy** (2 analysts). 2 analysts cover Tompkins Financial Corporation; the consensus is buy, with an average price target of $105.50 (+6% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 64.1%** (YTD 42.2%, 3-mo 0.6%). The shares are up 64.1% over twelve months including dividends.
- **From 52-week high: -4.3%** (55.4% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 58**. An RSI of 58 is neutral.
- **Beta (1 yr): 0.61** (volatility 26%). Beta of 0.61 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=TMP · Page: https://foliofundamentals.com/stocks/tmp

Not investment advice.