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Upturn AI SWOT - About
TMP 
Tompkins Financial Corporation (TMP)
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Upturn Advisory Summary
06/12/2025: TMP (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
2 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $72.5
1 Year Target Price $72.5
| 0 | Strong Buy |
| 1 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -24.68% | Avg. Invested days 22 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/12/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 905.48M USD | Price to earnings Ratio 12.16 | 1Y Target Price 72.5 |
Price to earnings Ratio 12.16 | 1Y Target Price 72.5 | ||
Volume (30-day avg) 2 | Beta 0.88 | 52 Weeks Range 44.46 - 77.54 | Updated Date 07/1/2025 |
52 Weeks Range 44.46 - 77.54 | Updated Date 07/1/2025 | ||
Dividends yield (FY) 3.95% | Basic EPS (TTM) 5.16 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 24.8% | Operating Margin (TTM) 33.88% |
Management Effectiveness
Return on Assets (TTM) 0.92% | Return on Equity (TTM) 10.46% |
Valuation
Trailing PE 12.16 | Forward PE - | Enterprise Value 1329027328 | Price to Sales(TTM) 3.05 |
Enterprise Value 1329027328 | Price to Sales(TTM) 3.05 | ||
Enterprise Value to Revenue 4.6 | Enterprise Value to EBITDA - | Shares Outstanding 14434500 | Shares Floating 11884608 |
Shares Outstanding 14434500 | Shares Floating 11884608 | ||
Percent Insiders 7.65 | Percent Institutions 67.69 |
Analyst Ratings
Rating 2 | Target Price 72.5 | Buy 1 | Strong Buy - |
Buy 1 | Strong Buy - | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Tompkins Financial Corporation
Company Overview
History and Background
Tompkins Financial Corporation was founded in 1836 as the Tompkins County National Bank in Ithaca, New York. It has grown through acquisitions and organic expansion to become a community-focused financial services company serving Central, Western, and Southeastern New York, and Pennsylvania.
Core Business Areas
- Community Banking: Provides a range of banking services, including deposit accounts, loans, and other financial products to individuals and businesses.
- Wealth Management: Offers investment management, financial planning, trust, and insurance services to individuals, families, and institutions.
- Insurance Services: Provides a full line of commercial and personal insurance products and services.
Leadership and Structure
The leadership team consists of the CEO, CFO, COO, and heads of various business segments. The organizational structure is hierarchical, with regional presidents and department heads reporting to senior management.
Top Products and Market Share
Key Offerings
- Commercial Lending: Offers loans to businesses of various sizes. Market share data is regionally focused and not widely available for Tompkins alone. Competitors include M&T Bank, KeyBank, and regional credit unions. Commercial lending creates a large portion of revenue for the company.
- Residential Mortgages: Provides mortgage loans to individuals for home purchases. Market share data is regionally focused and not widely available for Tompkins alone. Competitors include national banks like Chase and Wells Fargo, as well as local credit unions and mortgage brokers.
- Insurance Products: Include personal and commercial insurance policies. Revenue from this product is stable. Competitors include national insurance companies and independent agencies.
- Wealth Management Services: Includes investment advice, financial planning, and trust services. Revenue from this product is growing. Competitors include large wealth management firms like Morgan Stanley and regional players like Raymond James.
Market Dynamics
Industry Overview
The banking industry is undergoing digital transformation and facing increased regulatory scrutiny. Low interest rates impact profitability. Regional banks are competing with larger national banks, fintech companies, and credit unions.
Positioning
Tompkins Financial Corporation positions itself as a community-focused bank providing personalized service and local expertise. Its competitive advantages include strong customer relationships and a deep understanding of the local markets it serves.
Total Addressable Market (TAM)
The total addressable market for banking services in Tompkins' operating regions is estimated to be in the billions of dollars. Tompkins has a strong position in its existing markets, but faces increasing competition from larger banks and fintech companies.
Upturn SWOT Analysis
Strengths
- Strong community reputation
- Experienced management team
- Diversified revenue streams
- Conservative lending practices
- High customer loyalty
Weaknesses
- Limited geographic reach compared to larger banks
- Vulnerability to regional economic downturns
- Higher operating costs compared to fintech companies
- Reliance on traditional banking channels
Opportunities
- Expansion into new markets within the region
- Increased adoption of digital banking solutions
- Growth in wealth management services
- Strategic acquisitions of smaller banks or wealth management firms
- Capitalizing on the rise in interest rates
Threats
- Increased competition from national banks and fintech companies
- Regulatory changes impacting the banking industry
- Economic recession leading to loan defaults
- Cybersecurity threats
- Fluctuations in interest rates
Competitors and Market Share
Key Competitors
- M&T Bank (MTB)
- KeyCorp (KEY)
- Community Bank System (CBU)
Competitive Landscape
Tompkins Financial Corporation competes with larger national and regional banks, as well as smaller community banks and credit unions. Its strengths include its strong community reputation and personalized service, while its weaknesses include its limited geographic reach and higher operating costs compared to fintech companies.
Major Acquisitions
Mahopac Bancorp, Inc
- Year: 2023
- Acquisition Price (USD millions): 133.7
- Strategic Rationale: Expand footprint into the Hudson Valley market and enhance existing offerings.
Growth Trajectory and Initiatives
Historical Growth: Tompkins Financial Corporation has grown steadily through acquisitions and organic expansion. Its growth has been driven by its community-focused approach and diversified business model.
Future Projections: Analyst estimates suggest continued growth for Tompkins Financial Corporation, driven by its strong presence in its markets and its ability to adapt to changing customer needs. Specific projections would need to be obtained from financial data sources.
Recent Initiatives: Recent initiatives include investments in digital banking platforms, expansion of wealth management services, and strategic acquisitions of smaller banks or wealth management firms.
Summary
Tompkins Financial Corporation is a well-established regional bank with a strong community reputation and diversified business model. It benefits from its experienced management team and conservative lending practices. The company needs to be wary of increased competition and economic downturns but is well-positioned for future growth through strategic initiatives and expansion.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports
- Industry Reports
- Yahoo Finance
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is approximate and may vary. Investment decisions should be based on thorough research and consultation with a qualified financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Tompkins Financial Corporation
Exchange NYSE MKT | Headquaters Ithaca, NY, United States | ||
IPO Launch date 1990-03-28 | President, CEO & Director Mr. Stephen S. Romaine | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 941 | |
Full time employees 941 | |||
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. The company operates through three segments: Banking, Insurance, and Wealth Management. It accepts various deposit products, including checking and savings accounts, time deposits, and IRA products. The company 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, it provides letters of credit and sweep accounts; credit and debit cards; deposit and cash management, internet-based account, remote deposit, safe deposit, ATM, voice response, and mobile and internet banking services; trust and estate; financial and tax planning services; property and casualty, life, disability, and long-term care insurance services; employee benefit consulting services; and insurance planning services. The company primarily serves individuals, corporate executives, small business owners, and high net worth individuals. Tompkins Financial Corporation was founded in 1836 and is headquartered in Ithaca, New York.
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