TMP

Tompkins Financial Corp

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Advanced Chart

60.000

+0.530(+0.890%)

Overview
Forecast
Valuation

High

60.140

Open

59.220

VWAP

59.85

Vol

48.85K

Mkt Cap

866.03M

Low

59.000

Amount

2.92M

EV/EBITDA(TTM)

13.39

Total Shares

14.40M

1.39B

EV/OCF(TTM)

P/S(TTM)

2.86

Tompkins Financial Corporation is a banking and financial services company serving the Central, Western, and Hudson Valley regions of New York and the Southeastern region of Pennsylvania. The Company's segments include banking, insurance and wealth management. The banking segment provides services consisting primarily of deposits from the areas served by the Company's banking subsidiary and using those deposits to originate a variety of commercial loans, agricultural loans, consumer loans, real estate loans, and leases in those same areas. The insurance segment provides services, such as property and casualty insurance, employee benefit consulting, life, long-term care and disability insurance. The wealth management segment provides services, including investment management, trust and estate, financial and tax planning as well as life, disability and long-term care insurance services. Its wealth management services are provided under the trade name Tompkins Financial Advisors.

Market Estimates

Earnings Estimates

Revenue

YoY Chg

EPS

YoYChg

FY2025Q2

FY2025Q3

FY2025Q4

79.99M

+9.99%

1.330

+20.91%

84.36M

+10.16%

1.525

+17.31%

83.25M

+7.97%

1.405

+2.55%

Estimates Revision

The market is revising Downward the revenue expectations for Tompkins Financial Corporation (TMP) for FY2025, with the revenue forecasts being adjusted by -0.13% over the past three months. During the same period, the stock price has changed by -10.86%.

Revenue Estimates for FY2025

Revise Downward

-0.13%

In Past 3 Month

EPS Estimates for FY2025

Revise Downward

-1.94%

In Past 3 Month

Stock Price

Go Down

-10.86%

In Past 3 Month

1 Analyst Rating

38.33% Upside

Wall Street analysts forecast TMP stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for TMP is 83.00 USD with a low forecast of 83.00 USD and a high forecast of 83.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

1 Buy

0 Hold

0 Sell

Moderate Buy

38.33% Upside

Current: 60.000

Low

83.00

Averages

83.00

High

83.00

38.33% Upside

Current: 60.000

Low

83.00

Averages

83.00

High

83.00

Piper Sandler

Frank Schiraldi

Hold

Initiates

$70

2024-12-20

Reason

Piper Sandler

Frank Schiraldi

Price Target

$70

2024-12-20

Initiates

Hold

Reason

Piper Sandler assumed coverage of Tompkins Financial with a Neutral rating and $70 price target. The firm assumed four regional banks largely based in Upstate New York, with Financial Institutions (FISI) its favored name. The bank has tended to trade at a discount to its peer group on a forward price-to-earnings basis in part given its sub peer profitability and more limited liquidity, the analyst tells investors in a research note. Piper believes the recent capital raise and balance sheet restructuring should pull forward profitability.

Keefe, Bruyette & Woods

Timothy Switzer

Hold

Buy

Upgrades

$59 → $68

2024-10-02

Reason

Keefe, Bruyette & Woods

Timothy Switzer

Price Target

$59 → $68

2024-10-02

Upgrades

Hold

Buy

Reason

Keefe, Bruyette & Woods

Timothy Switzer

Hold

Reiterates

$50 → $59

2024-07-29

Reason

Keefe, Bruyette & Woods

Timothy Switzer

Price Target

$50 → $59

2024-07-29

Reiterates

Hold

Reason

Keefe, Bruyette & Woods

Timothy Switzer

Hold

Reiterates

$55 → $50

2024-05-03

Reason

Keefe, Bruyette & Woods

Timothy Switzer

Price Target

$55 → $50

2024-05-03

Reiterates

Hold

Reason

See All Ratings

Valuation Metrics

The current forward P/E ratio for Tompkins Financial Corp (TMP.A) is 10.68, compared to its 5-year average forward P/E of 13.00. For a more detailed relative valuation and DCF analysis to assess Tompkins Financial Corp 's fair value, click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.

Undervalued

5Y Average PE

13.00

Current PE

10.68

Overvalued PE

14.42

Undervalued PE

11.58

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.

N/A

5Y Average EV/EBITDA

0.00

Current EV/EBITDA

0.00

Overvalued EV/EBITDA

0.00

Undervalued EV/EBITDA

0.00

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.

Undervalued

5Y Average PS

3.26

Current PS

2.63

Overvalued PS

3.82

Undervalued PS

2.70