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Upstate New York community bank offering commercial, retail, insurance and wealth-management banking services.
Upstate New York community bank offering commercial, retail, insurance and wealth-management banking services.
Earns mostly from interest on loans funded by deposits across its regional banking brands, with a sizeable insurance-agency and wealth-management business giving it more fee income than most banks of its size. Based in Ithaca, New York.
Moat: narrow (scale, distribution). Long-established upstate New York branch franchise with diversified insurance/wealth cross-sell.
Headquarters: Ithaca, New York, US · Founded: 1836 · Employees: 813
Size Tompkins Financial (TMP) is a United States Financials company (Regional Banks) with a market value of $1.43B, the 2030th largest of 3,117 United States companies the cockpit tracks. Shares closed at $99.44 on 6 Nov 2026.
Performance Over six months the shares gained 15.9%, against +0.8% for the median peer and -1.1% for the United States market (cap-weighted) — 4th highest of 21 in its peer set.
Growth Revenue fell 15.2% over the last twelve months (peer median +6.2%); the operating margin is 23.3% (peer median 33.1%).
Valuation It trades at 1.52× book value against a peer median of 1.03× (6th most expensive of 21).
Price implies The share price implies a return on equity of about 11.5%; Tompkins Financial delivers 20.9%, so the price asks less than the business earns today.
Short interest Short interest is 3.3% of the free float (15 Oct 2026).
Next results Next results expected around 22 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $394M | $393M | $436M | $308M | $329M |
| Revenue growth | — | -10% | +42% | -7% | — |
| Net income | $180M | $161M | $70.8M | $9.46M | $84.8M |
| Free cash flow | $49.8M | $31.9M | $88.8M | $82.7M | $94.8M |
| Capital expenditure | $9.26M | $6.92M | $12.5M | $6.76M | $8.17M |
| Total debt | $541M | $688M | $827M | $653M | $348M |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Tompkins Financial TMP | $1.43B | +16% | -15% | 21% | 1.52× | 11.5% |
| NBT Bancorp NBTB | $2.74B | +16% | +10% | 11% | 1.45× | 9.3% |
| Community Financial System CBU | $3.39B | +1% | +7% | 12% | 1.67× | 12.5% |
| Chemung Financial CHMG | $410M | +25% | +19% | 15% | 1.50× | 10.2% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | TMP | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +3.0% | -1.7% | 5th highest of 21 |
| 6-month return | +15.9% | +0.8% | 4th highest of 21 |
| Return on equity | 20.9% | 10.6% | highest of 21 |
| Price / book | 1.52× | 1.03× | 6th most expensive of 21 |
| Trailing P/E | 7.9× | 11.9× | 5th cheapest of 19 |
| ROE the price implies | 11.5% | 7.8% | 6th most demanding of 21 |
| ROE delivered | 20.9% | 10.7% | highest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Tompkins Financial TMP | United States | $1.43B | +16% | -15% | 21% | 1.52× | 11.5% | 20.9% |
| Jammu & Kashmir Bank J&KBANK.NS | India | $1.44B | -12% | +6% | 15% | 0.77× | 12.1% | 14.5% |
| Burke Herbert Financial Services BHRB | United States | $1.41B | +10% | +14% | 10% | 1.23× | 7.1% | 10.5% |
| CCI 7381.T | Japan | $1.44B | +7% | +49% | 7% | 0.83× | 4.1% | 7.1% |
| Jiangsu Zijin Rural Commercial Bank 601860.SS | China | $1.39B | -6% | -9% | 6% | 0.43× | 2.9% | 5.7% |
| Peoples Bancorp PEBO | United States | $1.39B | +12% | 0% | 10% | 1.13× | 8.5% | 10.0% |
| Musashino Bank 8336.T | Japan | $1.47B | -3% | +31% | 6% | 0.82× | 6.0% | 5.8% |
| Tamilnad Mercantile Bank TMB.NS | India | $1.39B | +11% | +18% | 16% | 1.22× | 14.6% | 15.6% |
| Amalgamated Financial AMAL | United States | $1.47B | +18% | +12% | 15% | 1.77× | 13.0% | 15.3% |
| Westamerica Bancorporation WABC | United States | $1.38B | +9% | -4% | 13% | 1.75× | 11.3% | 12.9% |
| Jiangsu Suzhou Rural Commercial Bank 603323.SS | China | $1.50B | -1% | -7% | 11% | 0.49× | 2.3% | 10.7% |
| Lakeland Financial LKFN | United States | $1.51B | -1% | +2% | 15% | 2.07× | 14.8% | 15.4% |
| First Mid Bancshares FMBH | United States | $1.35B | +15% | +15% | 11% | 1.23× | 10.1% | 10.9% |
| HBT Financial HBT | United States | $1.35B | +30% | +23% | 13% | 1.78× | 10.1% | 13.2% |
| Bank of Tianjin 1578.HK | Hong Kong | $1.52B | -22% | -4% | 5% | 0.14× | 3.3% | 5.2% |
| K Bank 279570.KS | South Korea | $1.53B | -18% | 0% | 6% | 0.93× | 5.3% | n/a |
| Yibin City Commercial Bank 2596.HK | Hong Kong | $1.55B | +2% | +6% | 6% | 0.91× | 5.1% | 5.5% |
| Zhongyuan Bank 1216.HK | Hong Kong | $1.31B | -15% | 0% | 4% | 0.10× | 3.3% | 3.6% |
| Live Oak Bancshares LOB | United States | $1.57B | -10% | +9% | 11% | 1.30× | 17.1% | 11.1% |
| Keiyo Bank 8544.T | Japan | $1.58B | -1% | +19% | 6% | 0.78× | 6.9% | 5.7% |
| Republic Bancorp RBCAA | United States | $1.59B | +17% | -2% | 12% | 1.52× | 10.1% | 11.5% |