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TMPTompkins Financial CorporationHold6.4·$91.19+1.06%
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Tompkins Financial Corporation (TMP) Stock Analysis

Breakout setup

HoldModerate Confidence

Financial Services · Banks - Regional

Hold if already holding. Not a fresh buy at $91.19, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (-0.4% away).

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.... Read more

$91.19-1.6% A.UpsideScore 6.4/10#19 of 142 Banks - Regional
QualityF-score6 / 9FCF yield
IncomeYield2.97%(5y avg 3.62%)Payout21.90%sustainable
Stop $87.17Target $89.77(resistance)A.R:R -1.6:1
Analyst target$88.50-2.9%2 analysts
$89.77our TP
$91.19price
$88.50mean
$87

Hold if already holding. Not a fresh buy at $91.19, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (-0.4% away). Chart setup: Golden cross, above all MAs, RSI 67, MACD bullish. Maintain position. Not compelling to add more. Score 6.4/10, moderate confidence.

Passes 6/7 gates (positive momentum, clean insider activity, no SEC red flags, earnings proximity 42d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.

news + 30-day 8-K events · 5-min refresh

Recent developments

updated 2026-06-12
TrendMatrix Research · upcoming catalyst calendar

Upcoming dated catalysts

Fri, Jul 24, 202642d to earnings· next earnings call

Thesis

Rewards
Strong earnings beat streak (3/4)
Attractive valuation
Positive momentum
Risks
Analyst target reached - limited upside remaining
Near 52-week high (-0.4% away)

Key Metrics

P/E (TTM)7.7
P/E (Fwd)11.1
Mkt Cap$1.3B
EV/EBITDA
Profit Mgn38.0%
ROE19.8%
Rev Growth7.6%
Beta0.74
Dividend2.97%
Rating analysts6

Quality Signals

Piotroski F6/9

Options Flow

P/C1.18bearish
IV44%normal

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.

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Performance. Past performance is not indicative of future results. Performance figures reflect the published model only and do not reflect any individual subscriber's actual results.

Methodology · Editorial policy & full disclaimer

Rating Breakdown

1 floor-breaker·1 ceiling hit

Technicals below the gate floor. Component breakdown shows what dragged the score down.static

Bollinger
0.0
Support Resistance
0.4
52w Position
9.9
GatesA.R:R -1.6=NEGATIVEMomentum 7.2>=5.5Insider activity: OKNo SEC red flagsEARNINGS PROXIMITY 42d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARBreakoutSuitability: Aggressive
RSI
67 · Neutral
20D MA 50D MA 200D MAGOLDEN CROSSSupport $81.47Resistance $91.60

Price Targets

$87
$90
A.Upside-1.6%
A.R:R-1.6:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeSteady

Risk Alerts

! Target reached (-17.5% upside)
! Negative risk/reward — downside exceeds upside

Earnings

B
B
B
M
3/4 beats
Next Earnings2026-07-24 (42d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is TMP stock a buy right now?

Hold if already holding. Not a fresh buy at $91.19, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (-0.4% away). Chart setup: Golden cross, above all MAs, RSI 67, MACD bullish. Maintain position. Not compelling to add more. Target $89.77 (-1.6%), stop $87.17 (−4.6%), A.R:R -1.6:1. Score 6.4/10, moderate confidence.

What is the TMP stock price target?

Take-profit target: $89.77 (-1.6% upside). Target $89.77 (-1.6%), stop $87.17 (−4.6%), A.R:R -1.6:1. Stop-loss: $87.17.

What are the risks of investing in TMP?

Analyst target reached - limited upside remaining; Near 52-week high (-0.4% away).

Is TMP overvalued or undervalued?

Tompkins Financial Corporation trades at a P/E of 7.7 (forward 11.1). TrendMatrix value score: 9.3/10. Verdict: Hold.

What do analysts say about TMP?

6 analysts cover TMP with a consensus score of 3.8/5. Average price target: $89.

What does Tompkins Financial Corporation do?Tompkins Financial Corporation, a financial holding company, provides commercial and consumer banking, leasing, trust...

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.

Related stocks: CUBI (Customers Bancorp, Inc) · IFS (Intercorp Financial Services In) · SSB (SouthState Bank Corporation) · BFC (Bank First Corporation) · GABC (German American Bancorp, Inc.)
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