Tompkins Financial Corporation (TMP) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Tompkins Financial Corporation stock (TMP) is currently trading at $77.11. Tompkins Financial Corporation PE ratio is 6.78. Tompkins Financial Corporation PS ratio (Price-to-Sales) is 2.53. Analyst consensus price target for TMP is $84.50. WallStSmart rates TMP as Buy.
- TMP PE ratio analysis and historical PE chart
- TMP PS ratio (Price-to-Sales) history and trend
- TMP intrinsic value — DCF, Graham Number, EPV models
- TMP stock price prediction 2025 2026 2027 2028 2029 2030
- TMP fair value vs current price
- TMP insider transactions and insider buying
- Is TMP undervalued or overvalued?
- Tompkins Financial Corporation financial analysis — revenue, earnings, cash flow
- TMP Piotroski F-Score and Altman Z-Score
- TMP analyst price target and Smart Rating
Tompkins Financial Corporation
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TMP Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Tompkins Financial Corporation (TMP)
TMP trades at a significant discount to its Graham intrinsic value of $526.03, offering a 84% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Tompkins Financial Corporation (TMP) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, revenue growth. Overall metrics suggest strong investment potential with favorable risk/reward.
Tompkins Financial Corporation (TMP) Key Strengths (7)
Keeps $72 of every $100 in revenue after operating costs
Revenue surging 156.10% year-over-year
Earnings per share surging 386.60% year-over-year
Keeps $37 of every $100 in revenue as net profit
Trading at 1.16x book value, attractively priced
69.13% held by institutions, strong professional interest
Solid profitability: $20 profit per $100 equity
Supporting Valuation Data
Tompkins Financial Corporation (TMP) Areas to Watch (3)
Small-cap company with higher risk but more growth potential
Growth is fairly priced, not cheap, not expensive
Revenue is fairly priced at 2.53x sales
Tompkins Financial Corporation (TMP) Detailed Analysis Report
Overall Assessment
This company scores 80/100 in our Smart Analysis, earning a A- grade. Out of 10 metrics analyzed, 7 register as strengths (avg 9.0/10) while 3 fall into concern territory (avg 5.7/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Revenue Growth, EPS Growth. Valuation metrics including Price/Book (1.16) suggest the stock is attractively priced. Profitability is solid with Return on Equity at 19.50%, Operating Margin at 72.10%, Profit Margin at 37.00%. Growth metrics are encouraging with Revenue Growth at 156.10%, EPS Growth at 386.60%.
The Bear Case
The primary concerns are Market Cap, PEG Ratio, Price/Sales. Some valuation metrics including PEG Ratio (1.61), Price/Sales (2.53) suggest expensive pricing.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Market Cap improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 19.50% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at 156.10% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and Revenue Growth makes a compelling case at current levels. The key risk is Market Cap, but the overall fundamental picture is positive with a clear path to maintaining or improving the current A- grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
TMP Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
TMP's Price-to-Sales ratio of 2.53x sits near its historical average of 2.51x (57th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 4% below its historical high of 2.62x set in Mar 2026, and 3% above its historical low of 2.45x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for Tompkins Financial Corporation (TMP) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Tompkins Financial Corporation is a strong growth company balancing expansion with improving profitability. Revenue reached 435M with 156% growth year-over-year. Profit margins are strong at 37.0%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 156% YoY, reaching 435M. This pace significantly outperforms most BANKS - REGIONAL peers.
ROE of 1950.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Free cash flow is -41M, meaning the company is burning cash. This may be acceptable for high-growth companies investing heavily.
What to Watch Next
Growth sustainability: can Tompkins Financial Corporation maintain 156%+ revenue growth, or will competition slow it down?
Dividend sustainability with a current yield of 3.3%. Watch payout ratio and free cash flow coverage.
Debt management: total debt of 660M is significantly higher than cash (51M). Monitor refinancing risk.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Tompkins Financial Corporation.
Bottom Line
Tompkins Financial Corporation offers an attractive blend of growth (156% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Tompkins Financial Corporation(TMP)
NYSE MKT
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Tompkins Financial Corporation, a community-based financial services company, provides consumer and commercial banking, financial leasing, trust and investment management, financial planning and wealth management, and insurance. The company is headquartered in Ithaca, New York.