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Tompkins Financial Corporation (TMP)

Financial Services | Banks - Regional | Ithaca, United States | NYSE American
91.28 USD -0.23 (-0.251%) ⇩ (July 14, 2026, 4 p.m. EDT)
Short-term:★★★⯪☆Long-term:★★★★☆Dividends:★★★⯪☆
Hot Take ↕ | July 11, 2026, 6:12 a.m. EDT

Tompkins Financial presents a compelling dichotomy: a fundamentally resilient business currently trading at a discount, weighed down by short-term technical weakness and speculative hedging. The long-term outlook is strong; the company has successfully navigated a multi-year downturn, evidenced by a robust +28.9% recovery in the most recent year and a solid return on equity nearing 20%. With a payout ratio of just 22%, the dividend is highly sustainable, though the yield sits at a modest 2.9%, offering income but not a premium. The short-term picture is murkier; despite a recent price rebound, the statistical forecast leans slightly negative, and options flow reveals a distinct lack of aggressive buying, with traders locking in protection at deep discounts. This suggests the market remains cautious about immediate momentum, viewing the current rally as a potential trap rather than a breakout. Investors should view this as a high-conviction long-term hold for value and income, while waiting for clearer technical confirmation before adding to positions for the near term.
Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoTheta ✓0.020987
AutoARIMA0.043460
AutoETS0.043684
MSTL0.043770

Forecast horizon: 45 days | Selected: AutoTheta

Forecast Reliability
Score 61%
H-stat 0.85
Ljung-Box p 0.000
Jarque-Bera p 0.651
Excess Kurtosis -0.67
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-05-07
Last Dividend Date 2026-05-07
Revenue per Share 30.928
Market Cap 1,312,874,880
Trailing P/E 7.81
Forward P/E 11.34
Beta 0.73
Profit Margins 37.99%
Website https://www.tompkinsfinancial.com

As of July 11, 2026, 6:12 a.m. EDT: Speculators are positioning defensively with heavy out-of-the-money put open interest at deep strikes (45, 60) for later expirations, suggesting a fear of a significant downside gap or prolonged stagnation. Conversely, call activity is sparse and concentrated at lower strikes (90-95), indicating limited bullish conviction beyond the current price level. Implied volatility is elevated on near-term puts relative to calls, reflecting asymmetric risk pricing.

Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.78% 3.56% 4.02% 3.66%
Dividend History
Date Dividend Yield %
2026-05-08 0.670000 0.781159
2026-02-13 0.670000 0.809570
2025-11-07 0.650000 0.974805
2025-08-08 0.620000 0.994546
2025-05-09 0.620000 1.002749
2025-02-14 0.620000 0.889654
2024-11-08 0.620000 0.841248
2024-08-09 0.610000 1.110302
2024-05-09 0.610000 1.288551
2024-02-08 0.600000 1.239413
2023-11-06 0.600000 1.122544
2023-07-31 0.600000 0.997340
2023-05-08 0.600000 1.131435
2023-02-06 0.600000 0.774994
2022-11-07 0.600000 0.730194
2022-08-01 0.570000 0.741608
2022-05-09 0.570000 0.765409
2022-02-07 0.570000 0.719515
2021-11-01 0.570000 0.682308
2021-08-02 0.540000 0.714380
2021-05-10 0.540000 0.685105
2021-02-08 0.540000 0.725027
2020-11-02 0.540000 0.947036
2020-07-31 0.520000 0.805827
2020-05-08 0.520000 0.803213
2020-02-07 0.520000 0.594082
2019-10-28 0.520000 0.597084
2019-07-29 0.500000 0.620193
2019-05-06 0.500000 0.600384
2019-02-04 0.500000 0.651211
2018-11-05 0.500000 0.656858
2018-07-31 0.480000 0.560224
2018-05-07 0.480000 0.608057
2018-02-05 0.480000 0.602258
2017-11-06 0.470000 0.553592
2017-07-28 0.450000 0.572665
2017-05-04 0.450000 0.536481
2017-02-03 0.450000 0.505561
2016-11-04 0.450000 0.615006
2016-07-29 0.440000 0.604894
2016-04-29 0.440000 0.673401
2016-02-05 0.440000 0.843397
2015-11-05 0.440000 0.775604
2015-08-06 0.420000 0.783290
2015-05-01 0.420000 0.817916
2015-02-05 0.420000 0.790365
2014-10-31 0.420000 0.836653
2014-07-31 0.400000 0.899281
2014-05-01 0.400000 0.863744
2014-01-30 0.400000 0.834376
2013-10-31 0.400000 0.811030
2013-07-25 0.380000 0.815626
2013-05-02 0.380000 0.941760
2013-01-31 0.380000 0.928868
2012-11-01 0.380000 0.938272
2012-08-02 0.360000 0.929752
2012-05-03 0.360000 0.961795
2012-02-02 0.360000 0.875061
2011-11-02 0.360000 0.929752
2011-08-03 0.360000 0.890869
2011-05-04 0.340000 0.855346
2011-02-02 0.340000 0.828460
2010-11-03 0.340000 0.865580
2010-08-04 0.340000 0.818488
2010-05-05 0.340000 0.855346
2010-02-03 0.309000 0.879590
2009-11-04 0.309091 0.832925
2009-08-05 0.309091 0.764905
2009-05-06 0.309091 0.735931
2009-02-05 0.309091 0.720645
2008-11-05 0.309091 0.703934
2008-07-31 0.309091 0.796067
2008-05-01 0.290909 0.655872
2008-02-06 0.290909 0.729760
2007-10-31 0.290909 0.770342
2007-07-31 0.290909 1.006289
2007-05-02 0.272727 0.756620
2007-01-31 0.272727 0.685557
2006-11-01 0.272727 0.649491
2006-08-01 0.272727 0.703399
2006-05-01 9.363636 25.036459
2006-02-01 0.247934 0.646413
2005-11-02 0.247934 0.681819
2005-08-03 0.247934 0.654451
2005-05-02 0.247934 0.760457
2005-02-02 8.512397 22.489085
2004-11-03 0.247934 0.666667
2004-08-04 0.247934 0.650760
2004-05-04 0.247934 0.629327
2004-02-04 0.247934 0.671592
2003-11-03 0.247934 0.611621
2003-08-01 0.247934 0.687286
2003-05-01 0.225394 0.652031
2003-02-05 0.225394 0.706712
2002-11-01 0.225394 0.634919
2002-08-01 0.225394 0.678732
2002-05-01 0.210368 0.637958
2002-02-01 0.210368 0.692212
2001-10-30 0.210368 0.744680
2001-07-30 0.210368 0.767123
2001-04-27 0.202855 0.779221
2001-01-30 0.202855 0.982175
2000-11-29 0.202855 0.990826
2000-08-30 0.202855 1.069307
2000-05-30 0.202855 1.142857
2000-02-28 0.202855 1.023697
1999-11-29 0.202855 0.892562
1999-08-30 0.195342 0.843814
1999-05-27 0.187829 0.769232
1999-02-25 0.187829 0.729928
1998-11-27 0.187829 0.757577
1998-08-28 0.172802 0.641113
1998-05-28 0.165289 0.611110
1998-02-25 0.160280 0.705232
1997-11-26 0.160280 0.785274
1997-08-27 0.160280 0.891983
1997-05-28 0.150263 0.919540
1997-02-26 0.150263 0.926641
1996-11-26 0.150263 0.952381
1996-08-28 0.135237 1.102044
1996-05-29 0.130228 0.920355
1996-02-28 0.130228 0.866667
1995-11-29 0.130228 0.971963
1995-08-30 0.130228 0.742858
1995-05-25 0.130228 0.776120
1995-02-23 0.130228 0.727273
1994-11-25 0.125219 0.735293
1994-08-26 0.125219 0.694444
1994-05-25 0.125219 0.662251
1994-02-23 0.113699 0.605333
1993-11-24 0.113699 0.567500
1993-11-02 0.113699 0.567500
1993-08-26 0.100175 0.588233
1993-05-25 0.100175 0.747661
1993-02-23 0.100175 0.799998
1992-11-24 0.100175 0.898874
1992-08-26 0.100175 0.869563
1992-05-26 0.090158 0.923079
1992-02-24 0.090158 0.972975
1991-11-22 0.075131 0.857137
1991-08-26 0.075131 0.882347
1991-05-24 0.075131 0.882347
1991-02-25 0.075131 0.857137
1990-11-26 0.075131 0.895517
1990-11-01 0.072627 0.983050
1990-08-27 0.070123 0.861542
1988-11-25 0.058436 0.432102
1988-09-19 0.058436 0.500003
1988-06-20 0.058436 0.492961
1988-03-14 0.058436 0.614039
1987-12-14 0.123550 1.370375
Additional Data
dividendRate 2.68
dividendYield 2.93
exDividendDate 2026-05-08
trailingAnnualDividendRate 2.56
trailingAnnualDividendYield 0.027975084
lastDividendValue 0.67
lastDividendDate 2026-05-08
dividendDate 2026-05-15

Info Dump

Attribute Value
52 Week Change 0.4245019
Address1 118 East Seneca Street
Address2 P.O. Box 460
All Time High 97.12
All Time Low 6.761833
Ask 0.0
Ask Size 300
Audit Risk 5
Average Analyst Rating 2.5 - Buy
Average Daily Volume10 Day 90,920
Average Daily Volume3 Month 75,180
Average Volume 75,180
Average Volume10Days 90,920
Beta 0.725
Bid 0.0
Bid Size 100
Board Risk 1
Book Value 66.058
City Ithaca
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 3
Country United States
Crypto Tradeable 0
Currency USD
Current Price 91.28
Custom Price Alert Confidence HIGH
Date Short Interest 1,782,777,600
Day High 92.61
Day Low 91.28
Display Name Tompkins Financial
Dividend Date 1,778,803,200
Dividend Rate 2.68
Dividend Yield 2.93
Earnings Growth 0.328
Earnings Quarterly Growth 0.325
Earnings Timestamp 1,777,033,800
Earnings Timestamp End 1,784,896,200
Earnings Timestamp Start 1,784,896,200
Ebitda Margins 0.0
Enterprise To Revenue 3.877
Enterprise Value 1,709,351,808
Eps Current Year 7.505
Eps Forward 8.05
Eps Trailing Twelve Months 11.69
Esg Populated 0
Ex Dividend Date 1,778,198,400
Exchange ASE
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 88.2922
Fifty Day Average Change 2.9878006
Fifty Day Average Change Percent 0.033839915
Fifty Two Week Change Percent 42.450188
Fifty Two Week High 97.12
Fifty Two Week High Change -5.840004
Fifty Two Week High Change Percent -0.060131837
Fifty Two Week Low 61.21
Fifty Two Week Low Change 30.07
Fifty Two Week Low Change Percent 0.4912596
Fifty Two Week Range 61.21 - 97.12
Financial Currency USD
First Trade Date Milliseconds 518,103,000,000
Five Year Avg Dividend Yield 3.62
Float Shares 13,042,882
Forward Eps 8.05
Forward P E 11.33913
Full Exchange Name NYSE American
Full Time Employees 813
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,782,864,000
Gross Margins 0.0
Gross Profits 440,854,016
Has Pre Post Market Data 1
Held Percent Insiders 0.06521
Held Percent Institutions 0.70536005
Implied Shares Outstanding 14,382,941
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Is Earnings Date Estimate 1
Language en-US
Last Dividend Date 1,778,198,400
Last Dividend Value 0.67
Last Fiscal Year End 1,767,139,200
Last Split Date 1,265,155,200
Last Split Factor 11:10
Long Business Summary 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. It operates through two segments: Banking, and Wealth Management. The company accepts various deposit products, including checking and savings accounts, time deposits, and IRA products. It 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, the company 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. It 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.
Long Name Tompkins Financial Corporation
Market us_market
Market Cap 1,312,874,880
Market State PRE
Max Age 86,400
Message Board Id finmb_308700
Most Recent Quarter 1,774,915,200
Net Income To Common 167,466,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 1,316,182,930
Number Of Analyst Opinions 2
Open 92.06
Operating Cashflow 90,081,000
Operating Margins 0.41933998
Overall Risk 3
Payout Ratio 0.219
Peg Ratio 1.61
Phone 888 503 5753
Previous Close 91.51
Price Eps Current Year 12.162558
Price Hint 2
Price To Book 1.381816
Price To Sales Trailing12 Months 2.9780264
Profit Margins 0.37987
Quote Source Name Delayed Quote
Quote Type EQUITY
Recommendation Key buy
Recommendation Mean 2.5
Region US
Regular Market Change -0.230003
Regular Market Change Percent -0.251342
Regular Market Day High 92.61
Regular Market Day Low 91.28
Regular Market Day Range 91.28 - 92.61
Regular Market Open 92.06
Regular Market Previous Close 91.51
Regular Market Price 91.28
Regular Market Time 1,784,059,200
Regular Market Volume 49,810
Return On Assets 0.01982
Return On Equity 0.19840999
Revenue Growth 0.076
Revenue Per Share 30.928
Sand P52 Week Change 0.20365608
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 7
Shares Outstanding 14,382,941
Shares Percent Shares Out 0.0209
Shares Short 300,234
Shares Short Previous Month Date 1,780,012,800
Shares Short Prior Month 255,274
Short Name Tompkins Financial Corporation
Short Percent Of Float 0.0248
Short Ratio 3.15
Source Interval 15
State NY
Symbol TMP
Target High Price 98.0
Target Low Price 87.0
Target Mean Price 92.5
Target Median Price 92.5
Total Cash 175,196,992
Total Cash Per Share 12.181
Total Debt 571,673,984
Total Revenue 440,854,016
Tradeable 0
Trailing Annual Dividend Rate 2.56
Trailing Annual Dividend Yield 0.027975084
Trailing Eps 11.69
Trailing P E 7.8083835
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 77.77355
Two Hundred Day Average Change 13.506447
Two Hundred Day Average Change Percent 0.17366375
Type Disp Equity
Volume 49,810
Website https://www.tompkinsfinancial.com
Zip 14,851