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Upturn AI SWOT - About
TMP 
Tompkins Financial Corporation (TMP)
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Upturn Advisory Summary
08/14/2025: TMP (1-star) is currently NOT-A-BUY. Pass it for now.
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
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $78
1 Year Target Price $78
| 0 | Strong Buy |
| 1 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -25.63% | Avg. Invested days 27 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 963.45M USD | Price to earnings Ratio 12.03 | 1Y Target Price 78 |
Price to earnings Ratio 12.03 | 1Y Target Price 78 | ||
Volume (30-day avg) 2 | Beta 0.9 | 52 Weeks Range 51.98 - 76.77 | Updated Date 08/15/2025 |
52 Weeks Range 51.98 - 76.77 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 3.66% | Basic EPS (TTM) 5.55 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-07-24 | When Before Market | Estimate 1.33 | Actual 1.5 |
Profitability
Profit Margin 25.93% | Operating Margin (TTM) 35.47% |
Management Effectiveness
Return on Assets (TTM) 0.98% | Return on Equity (TTM) 11.06% |
Valuation
Trailing PE 12.03 | Forward PE - | Enterprise Value 1550837888 | Price to Sales(TTM) 3.14 |
Enterprise Value 1550837888 | Price to Sales(TTM) 3.14 | ||
Enterprise Value to Revenue 5.21 | Enterprise Value to EBITDA - | Shares Outstanding 14431600 | Shares Floating 11881083 |
Shares Outstanding 14431600 | Shares Floating 11881083 | ||
Percent Insiders 7.66 | Percent Institutions 68.37 |
Upturn AI SWOT
Tompkins Financial Corporation
Company Overview
History and Background
Tompkins Financial Corporation was founded in 1836 as Tompkins County Trust Company in Ithaca, New York. Over the years, it expanded through acquisitions and organic growth, evolving into a multi-faceted financial services provider.
Core Business Areas
- Community Banking: Provides traditional banking services to individuals and businesses, including deposit accounts, loans, and other financial products.
- Wealth Management: Offers investment management, financial planning, and trust services to individuals and institutions.
- Insurance: Provides property and casualty insurance, employee benefits, and other insurance products through its subsidiaries.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other senior executives. The organizational structure includes banking, wealth management, and insurance divisions, each managed by its respective leadership.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offers various commercial lending products to businesses. Tompkins Financial has a regional market share; specific numbers fluctuate and are highly competitive. Competitors include larger regional and national banks.
- Residential Mortgages: Provides mortgage lending services to individuals. Market share is regionally focused. Competitors include national mortgage lenders and local banks.
- Wealth Management Services: Offers investment advisory and wealth planning. Competitors include national brokerage firms and Registered Investment Advisors (RIAs).
Market Dynamics
Industry Overview
The financial services industry is currently facing rising interest rates, increased regulatory scrutiny, and heightened competition from fintech companies.
Positioning
Tompkins Financial positions itself as a community-focused bank with a strong emphasis on customer service and local market expertise. Their competitive advantage is their strong local presence and relationships.
Total Addressable Market (TAM)
The TAM includes banking, wealth management, and insurance services within their geographic footprint, estimated to be several billion dollars. Tompkins Financial holds a portion of this TAM with continued growth potential.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Diversified revenue streams
- Solid customer relationships
- Experienced management team
Weaknesses
- Limited geographic reach
- Smaller scale compared to national banks
- Dependence on local economy
- Potential IT vulnerabilities
Opportunities
- Expansion into new markets
- Strategic acquisitions
- Growth in wealth management business
- Increased digital offerings
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- Bancorp Inc. (TOWN)
- Community Bank System Inc. (CBU)
- M&T Bank Corporation (MTB)
Competitive Landscape
Tompkins Financial competes with larger regional and national banks, as well as smaller community banks and credit unions. Their advantage lies in their local expertise and customer service.
Major Acquisitions
Mahopac National Bank
- Year: 2020
- Acquisition Price (USD millions): 70.6
- Strategic Rationale: Expanded Tompkins Financial's presence in the Hudson Valley region.
Growth Trajectory and Initiatives
Historical Growth: Missing Financial data
Future Projections: Missing Financial data
Recent Initiatives: Recent initiatives include expanding digital banking services and pursuing strategic acquisitions to broaden their geographic footprint.
Summary
Tompkins Financial Corporation is a well-established regional bank with a diversified business model. Its strong community focus and customer relationships are key strengths. However, its smaller scale and dependence on the local economy pose challenges, and it needs to watch out for fintech and economic changes.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Analyst estimates
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share data is based on estimates and may not be precise.
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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