TMP · Tompkins Financial Corp
$97.07
-3.18 (-3.17%)
At close · Aug 19
Market Cap
$1.44B
Shares
14.38M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$97.07
Open$100.47
Day$96.99–100.96
52W close$62.08–101.54
Avg vol 30d97K
Short int286K · 2.0% float · 2.5d
Short vol74%
DataJan 2020–Aug 2026
Filing10-Q · Jul 31
Up next
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Jul 31, 2026
Equibles Rating
blended score · not investment adviceOverall
Strong Buy
SellHoldBuy
Technical
Buy
Momentum
Very Strong
Sentiment
Bullish
Fundamentals
Excellent
Quant / Vol
Low
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+18%
above
Price vs 50-day avg
+2%
above
RSI (14)
47
neutral
MACD trend
Negative
52-week position
89%
near high
Momentum
relative strength
1-month return
+4%
trailing
6-month return
+21%
trailing
YTD return
+34%
this year
Relative strength
+9%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $95 › 200d $82 — 50d above 200d
Institutional flow
Accumulating
+5% holders QoQ · +29 funds added
Insider flow
Accumulating
Net +$100.0K over 90 days · 0% sells
Short interest
Rising
1.99% of float · ▲ +3.5% MoM · 2.5 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
219 holders — near 3-yr high, broad support
Squeeze score
56
elevated · 0–100
Fundamentals
Revenue growth
−5%
Y/Y
EPS growth
+126%
Y/Y
Free cash flow
$31.9M
Valuation
P/E 8.2
below peers
Balance sheet
$132.8M
net cash
Quant / Vol
risk profile
Volatility
28%
annualized · 1-yr
Max drawdown
−14%
past year
ATR
2.4%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+18%
Bullish
Price vs 50-day avg
+2%
Bullish
RSI (14)
47
Neutral
MACD trend
Negative
Bearish
52-week position
89%
Bullish
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $95 › 200d $82 — 50d above 200d
Institutional flow
Accumulating
+5% holders QoQ · +29 funds added
Insider flow
Accumulating
Net +$100.0K over 90 days · 0% sells
Short interest
Rising
1.99% of float · ▲ +3.5% MoM · 2.5 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
219 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $62
Now $97 · 89%
Range high $102
vs 200-day avg +18%
vs 50-day avg +2%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Allowance for credit losses as a percent of total loans and leases | 0.89% | the second quarter of 2026 | — |
| Average cost of interest-bearing liabilities | 2.24% | the second quarter of 2026 | — |
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| Average yield on interest-earning assets | 5.13% | the quarter ended June 30, 2026 | — |
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| Cost of interest-bearing deposits | 2.07% | the second quarter of 2026 | — |
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| Net interest margin | 3.58% | the second quarter of 2026 | — |
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| Nonperforming assets as a percent of total assets | 0.6% | the second quarter of 2026 | — |
| Ratio of average noninterest bearing deposits to average total deposits | 26.9% | the second quarter of 2026 | — |
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| Ratio of the allowance to total nonperforming loans and leases | 111.29% | the second quarter of 2026 | — |
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| Ratio of total capital to risk-weighted assets | 14.89% | the second quarter of 2026 | — |
| Regulatory Tier 1 capital to average assets | 10.69% | the second quarter of 2026 | — |
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| Total average cost of funds | 1.68% | the second quarter of 2026 | — |
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| Loan to deposit ratio | 91.8% | first quarter of 2026 | — |
| Nonperforming assets ratio | 0.59% | first quarter of 2026 | — |
| Operating diluted earnings per share non-GAAP | $1.78 | fourth quarter of 2025 | — |
| Total deposits | 7.1B | first quarter of 2026 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
TMP
this stock
Tompkins Financial Corp
|
$1.44B | +33.9% | -4.5% | 8.2 | 2.0% |
|
MFG
Mizuho Financial Group Inc
|
$131.93B | +38.5% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.97B | -36.6% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | -1.2% | — | — | 0.5% |
|
PNC
Pnc Financial Services Group, Inc.
|
$101.11B | +18.1% | +7.2% | 14.0 | 1.8% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| TMP | -3.2% | +4.3% | +20.8% | -2.8% | +33.9% |
| SPY | -0.4% | +2.9% | +11.6% | +3.0% | +12.8% |
| vs SPY | -2.8% | +1.4% | +9.2% | -5.7% | +21.1% |
Capital returns
Latest dividend
$0.70
/ share · ex Aug 7, 2026
Paid (TTM)
$2.69
/ share · 4 payouts
Dividend yield (TTM, derived)
2.77%
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
1005817
CUSIP
890110109
13F (30d)
195 filings
193 filers
Visit website
Investor relations