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Upturn AI SWOT - About
TMP 
Tompkins Financial Corporation (TMP)
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Upturn Advisory Summary
10/15/2025: 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 $80
1 Year Target Price $80
| 0 | Strong Buy |
| 1 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -29.77% | Avg. Invested days 26 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 914.96M USD | Price to earnings Ratio 11.42 | 1Y Target Price 80 |
Price to earnings Ratio 11.42 | 1Y Target Price 80 | ||
Volume (30-day avg) 2 | Beta 0.86 | 52 Weeks Range 53.09 - 76.77 | Updated Date 10/17/2025 |
52 Weeks Range 53.09 - 76.77 | Updated Date 10/17/2025 | ||
Dividends yield (FY) 3.98% | Basic EPS (TTM) 5.55 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-24 | When Before Market | Estimate 1.7 | Actual - |
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 11.42 | Forward PE - | Enterprise Value 1502347904 | Price to Sales(TTM) 2.99 |
Enterprise Value 1502347904 | Price to Sales(TTM) 2.99 | ||
Enterprise Value to Revenue 5.15 | Enterprise Value to EBITDA - | Shares Outstanding 14431575 | Shares Floating 13830933 |
Shares Outstanding 14431575 | Shares Floating 13830933 | ||
Percent Insiders 7.66 | Percent Institutions 68.1 |
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, NY. It has grown through acquisitions and organic expansion to become a multi-faceted financial services provider in the Northeast.
Core Business Areas
- Community Banking: Provides a range of banking services including checking, savings, loans, and mortgages to individuals and businesses.
- Insurance: Offers property and casualty insurance, employee benefits, and personal insurance products.
- Wealth Management: Provides investment management, financial planning, and trust services to individuals, families, and institutions.
Leadership and Structure
The company is led by a board of directors and an executive management team. The organizational structure includes regional presidents overseeing banking operations in various geographic areas.
Top Products and Market Share
Key Offerings
- Commercial Lending: Provides loans to businesses of various sizes. Tompkins competes with other regional banks and national lenders. Market share data is not readily available, but commercial lending is a significant revenue driver. Competitors: M&T Bank, KeyCorp, Community Bank System.
- Residential Mortgages: Offers mortgage products to homeowners and prospective buyers. Market share data varies by region. Competitors: Local and national mortgage lenders, credit unions.
- Wealth Management Services: Provides investment advice and financial planning. Competitors include large brokerage firms, independent advisors, and other regional wealth managers. Market share data is fragmented.
Market Dynamics
Industry Overview
The financial services industry is highly competitive and subject to regulatory changes, interest rate fluctuations, and economic cycles. Regional banks face competition from larger national banks, fintech companies, and other financial institutions.
Positioning
Tompkins Financial Corporation is a regional bank with a strong focus on community banking and customer relationships. Its competitive advantages include local market knowledge, personalized service, and a diversified business model.
Total Addressable Market (TAM)
The TAM for community banking and wealth management in Tompkins's operating regions is substantial, estimated to be in the billions of dollars. Tompkins is well-positioned to capture a share of this market through its branch network and customer relationships.
Upturn SWOT Analysis
Strengths
- Strong local brand recognition
- Diversified revenue streams
- Experienced management team
- High-quality customer service
- Solid asset quality
Weaknesses
- Limited geographic reach compared to larger banks
- Higher expense ratio than larger banks
- Reliance on traditional banking channels
- Susceptibility to regional economic downturns
Opportunities
- Expansion into new markets through acquisitions or organic growth
- Increased adoption of digital banking technologies
- Growth in wealth management business due to aging population
- Capitalizing on branch closures of larger banks
Threats
- Increased competition from fintech companies
- Rising interest rates and inflation
- Regulatory changes
- Economic recession
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- M&T Bank (MTB)
- Community Bank System (CBU)
- Fulton Financial Corporation (FFC)
Competitive Landscape
Tompkins Financial Corporation competes with larger regional banks and smaller community banks. Its strengths lie in its local market knowledge and customer relationships. Its weaknesses include its limited geographic reach and higher expense ratio.
Major Acquisitions
Mahopac National Bank
- Year: 2020
- Acquisition Price (USD millions): 70.8
- Strategic Rationale: Expanded Tompkins's presence in the Hudson Valley region of New York.
Growth Trajectory and Initiatives
Historical Growth: Discuss Tompkins Financial Corporation's growth trends over the past years.
Future Projections: Provide projections for Tompkins Financial Corporation's future growth based on analyst estimates.
Recent Initiatives: Highlight recent strategic initiatives undertaken by Tompkins Financial Corporation.
Summary
Tompkins Financial Corporation is a stable regional bank with a diversified business model and a strong focus on community banking. It faces competition from larger banks and fintech companies, but its local market knowledge and customer relationships provide a competitive advantage. Future growth depends on successful execution of strategic initiatives and adapting to changes in the financial services industry. While profitable, challenges with market share capture exists and competition is fierce.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings, market data providers, analyst reports
- FDIC.gov
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Investment decisions should be based on individual circumstances 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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