TMP
Tompkins Financial CorporationFinancial Services·Banks - Regional
$86.15
$1.2B market cap
Revenue
$341.2M
Free Cash Flow
$30.5M
Rev Growth
+0.0%
FCF Margin
8.9%
P/FCF
40.6x
EV/FCF
56.9x
Fwd EV/EBITDA
--
Fair Value
--
Upside
--
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 in three segments: Banking, Insurance, and Wealth Management. It accepts various deposit products, including checking accounts, savings accounts, time deposits, and IRA products, as well as brokered, reciprocal, and municipal money market deposits. The company also of
2-Year Price History
$85.80+106.8%
Quarterly Financials & Projections
Quarterly Waterfall ($ M)
| Period | Rev | EBITDA | OpIn | NI | OCF | FCF | CapEx | Cash | Debt | Shares | ROIC | IntCov | EV/EBITDA | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Act | 2026-Q1 | 114.5 | 34.5 | 34.5 | 26.1 | 73.4 | 71.1 | -2.3 | 68.7 | 567.6 | 14.3 | 11.9% | 1.1x | -- |
| Act | 2025-Q4 | 226.7 | 139.7 | 139.7 | 96.3 | -37.2 | -40.6 | -3.4 | 1,108 | 660.0 | 14.4 | 39.9% | 4.4x | -- |
Valuation & Metrics
Market Stats
Price$86.15
Market Cap$1.2B
Enterprise Value$1.7B
P/S Ratio3.6x
P/FCF40.6x
EV/FCF56.9x
FCF Margin (TTM)8.9%
FCF Yield2.5%
Dividend Yield (TTM)3.7%
Annual Dilution0.0%
CurrencyUSD
TTM Financial Snapshot
Revenue$341.2M
Net Income$122.3M
Free Cash Flow$30.5M
Revenue Growth (YoY)+0.0%
EBITDA Margin51.1%
Net Margin35.9%
FCF Margin8.9%
CapEx % of Revenue1.7%
SBC % of Revenue0.4%
ROIC25.9%
WC Change % Rev0.0%
Interest Coverage2.8x
Forward Outlook & Risk
Short Interest
Short % of Float--
Short Shares0.2M
Days to Cover3.2
Change (vs Prior)+14.4%
Need at least 2 settlement dates for chart
Employees
Headcount941
Revenue / Employee$362,567
Gross Profit / Employee$293,348
Institutional Ownership
Headline & net flow
NEUTRAL
Net flow · —still filing
No float data — flow unavailable.
Ownership composition
Active
26.6%(+6.9% YoY)
189 filers
hedge / family / endowment
Retail funds
—
Fidelity, Schwab, 401(k)
Passive
36.3%(+7.7% YoY)
12 filers
Vanguard, iShares, SPDR
Market makers
0.4%(-0.0% YoY)
4 filers
Citadel, Susquehanna
Insiders
—
Form 4 — latest per insider
ActiveRetail fundsPassiveMarket makersRetail direct
Top holders
| Fund | $ value | Cost basis | Δ QoQ | Δ YoY | α life | Fund AUM |
|---|---|---|---|---|---|---|
| BlackRock, Inc.Passive | $158M | $54.81 | −$985K | +$2.1M | -0.2% | $5.69T |
| STATE STREET CORPPassive | $93.5M | $54.05 | −$239K | −$6.5M | -0.2% | $2.89T |
| TOMPKINS FINANCIAL CORP | $88.2M | $56.79 | −$1.3M | −$3.2M | +0.2% | $1.26B |
| VANGUARD PORTFOLIO MANAGEMENT LLCPassive | $59.4M | $78.22 | +$59.0M | +$59.4M | — | $1.91T |
| DIMENSIONAL FUND ADVISORS LPPassive | $46.3M | $51.65 | −$603K | −$319K | -0.4% | $480.92B |
| VANGUARD CAPITAL MANAGEMENT LLCPassive | $44.6M | $78.22 | +$44.3M | +$44.6M | — | $4.04T |
| GEODE CAPITAL MANAGEMENT, LLCPassive | $27.5M | $62.57 | +$2.5M | +$3.9M | +2.3% | $1.61T |
| AMERICAN CENTURY COMPANIES INC | $24.2M | $66.96 | +$5.6M | +$13.1M | +0.7% | $193.48B |
| MORGAN STANLEY | $13.2M | $56.39 | +$188K | −$465K | -0.3% | $1.65T |
| Rhino Investment Partners, Inc | $13.2M | $74.59 | +$6.1M | +$13.2M | -0.4% | $359M |
| NORTHERN TRUST CORPPassive | $10.8M | $57.17 | +$350K | −$128K | -0.2% | $755.34B |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $9.9M | $55.45 | +$297K | +$600K | +0.7% | $645.81B |
| Cornell Pochily Investment Advisors, Inc. | $9.6M | $59.61 | −$89K | −$24K | -0.1% | $340M |
| Bank of New York Mellon Corp | $9.4M | $58.98 | −$230K | −$1.4M | -0.2% | $543.21B |
| ADAGE CAPITAL PARTNERS GP, L.L.C. | $9.0M | $74.61 | +$4.2M | +$9.0M | -0.1% | $64.61B |
| Hillsdale Investment Management Inc. | $7.3M | $78.20 | +$7.3M | +$7.3M | +0.3% | $3.68B |
| GOLDMAN SACHS GROUP INC | $7.3M | $56.67 | −$820K | +$1.6M | -0.2% | $760.93B |
| ProShare Advisors LLC | $6.7M | $50.50 | −$44K | −$2.1M | -0.7% | $67.49B |
| VANGUARD FIDUCIARY TRUST COPassive | $6.4M | $78.22 | +$6.3M | +$6.4M | — | $395.83B |
| Invesco Ltd. | $6.0M | $59.39 | −$479K | +$2.1M | -0.2% | $652.04B |
Cost basis is a volume-weighted estimate from accumulation periods within our 13F history; holders who built their position before our window started will show a stale basis. % above the cost basis is the unrealized gain at the current price.
Trading behavior
Smart-money alpha (lifetime, %/qtr)BULLISH
Holders
-0.03%
avg per quarter
Holders (ex-self)
+0.00%
excl. this stock
Buyers (this Q)
+0.06%
90 buyers · $0.16B in
Sellers (this Q)
-1.07%
64 sellers · $-0.01B out
alpha coverage: 86% of $ has a lifetime-alpha record
Holder behavior on this stocksource: stock
On big dips (−10%+)
+12.5%
how holders react when this stock falls
On quiet Qs
+8.2%
−10% to +10% baseline
On rallies (+10%+)
-26.5%
how they react when this stock rises
Holders' portfolio flow this Q
+1.3%
inflows — adds are organic
Sellers' portfolio flow this Q
+0.7%
Sellers' overall flow ~ flat.
▸ Compare to holder-profile behavior (across all their stocks)
Holder dip (any stock)
-3.4%
Holder mid (any stock)
-0.5%
Holder rally (any stock)
-2.5%
Biggest decreases this quarter
HOTCHKIS & WILEY CAPITAL MANAGEMENT LLCexited−$8.6MTOMPKINS FINANCIAL CORP−$1.3Mα+0.2JOHN G ULLMAN & ASSOCIATES INC−$1.1Mα+1.1BlackRock, Inc.−$985Kα-0.2GOLDMAN SACHS GROUP INC−$820Kα-0.2DIMENSIONAL FUND ADVISORS LP−$603Kα-0.4HSBC HOLDINGS PLCexited−$551KInvesco Ltd.−$479Kα-0.2SEI INVESTMENTS COexited−$424KSUSQUEHANNA FUNDAMENTAL INVESTMENTS, LLCexited−$385K
New buyers this quarter
Top-5 holders · 57.0%
BlackRock, Inc.--
STATE STREET CORP--
TOMPKINS FINANCIAL CORP--
VANGUARD PORTFOLIO MANAGEMENT LLC--
DIMENSIONAL FUND ADVISORS LP--
Top Holders Over Time
5-year share-count history (top 10 holders by peak, incl. exited) + price
hover the chart for per-quarter detailprice (right axis)
TOMPKINS FINANCIAL CORP1.1MAMERICAN CENTURY COMPANIES INC307KBTIM Corp.—MORGAN STANLEY167KRhino Investment Partners, Inc167KBank of New York Mellon Corp119KCHARLES SCHWAB INVESTMENT MANAGEMENT INC126KProShare Advisors LLC85KCornell Pochily Investment Advisors, Inc.122KInvesco Ltd.76K
Analyst Coverage
Analyst Coverage
Price Targets
Last Year (1 analysts)$74.00-1410.0%
Current Price$86.15
Analyst Ratings
1
3
Buy: 1Hold: 3Consensus: Hold
Corporate
Insider Trading (last 12mo)
Open-market only (Form 4 P-Purchase + S-Sale). Excludes grants, option exercises, tax withholding, gifts.
Officers & directors
Buys ($, 12mo)
$100K
1 txn · 1 insider · 1,462 sh
Sells ($, 12mo)
$0
0 txns · 0 insiders · 0 sh
Recent transactions
| Date | Side | Insider | Title | Shares | Price | Dollars | Owned $ |
|---|---|---|---|---|---|---|---|
| 2025-11-21 | BUY | Rahilly Ita M | director | 1,463 | $68.36 | $100K | $719K |
Order Flow (FINRA, ~3w lag)
11.1%retail-1.3pp
23.2%dark-0.3pp
week of 2026-04-13
Off-exchange volume from FINRA. Retail = non-ATS (wholesaler PFOF + broker internalization). Dark = ATS (dark-pool crossing networks, institutional). Lit-exchange = remainder.
Filing Risk Analysis
Filing Risk Scores
Tompkins Financial Corp: Administrative Baseline Lacks Material Forensic Red Flags
Overall Risk
2/10
Fraud
1/10
Dilution
1/10
Insolvency
1/10
Earnings Overstated
1/10
Hidden Liabilities
1/10
Legal
1/10
Audit Warnings
1/10
Hidden Upside
1/10
Contextually Acceptable
10/10