TMP
Tompkins Financial Corporation
TMP's fundamentals are strong and it looks cheap: trading at 8.0x earnings, below its usual 13x. Analysts expect earnings growth.
TMP Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
TMP's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like TMP.
TMP PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Current | 8x | $100 | — |
| Cheap | 11x | $133 | +33% |
| Forward | 12x | $100 | — |
| Fair | 13x | $161 | +61% |
| Expensive | 17x | $210 | +109% |
Historical ranges are pointers, not guarantees.
TMP's PE is in its cheap range at 8.0x. On analysts' estimates for next year's earnings, today's price would be 12x.
TMP Forward outlook
| Metric | Outlook |
|---|---|
| Strongly deteriorating | |
| Growth | |
| Decline | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect TMP's earnings to grow and its profitability to improve, but its revenue to decline.
TMP Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $8.23 | -35% |
| Q3 2026 | $12.58 | +113% |
| Q2 2026 | $12.23 | +120% |
| Q1 2026 | $11.69 | +127% |
| Q4 2025 | $11.24 | +126% |
| Q3 2025 | $5.91 | +27% |
| Q2 2025 | $5.56 | +456% |
| Q1 2025 | $5.16 | +953% |
| Q4 2024 | $4.97 | +653% |
TMP's earnings per share have climbed steadily: $12.58 over the past year, up 113% from the year before, and higher year over year for nine quarters in a row.
TMP Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $89.9M | +2.8% |
| Q2 2026 | $87.1M | +5.4% |
| Q1 2026 | $83.7M | +2.4% |
| Q4 2025 | $194.8M | +153% |
| Q3 2025 | $87.4M | +14% |
| Q2 2025 | $82.6M | +14% |
| Q1 2025 | $81.7M | +12% |
| Q4 2024 | $77.1M | +8.3% |
TMP's revenue has grown year over year for 10 quarters in a row: $90M last quarter, up 2.8% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 42% | +6.5 points |
| Q2 2026 | 44% | +10 points |
| Q1 2026 | 41% | +9.6 points |
| Q4 2025 | 72% | +38 points |
| Q3 2025 | 36% | +3.5 points |
| Q2 2025 | 34% | +5.8 points |
| Q1 2025 | 32% | +1.2 points |
| Q4 2024 | 33% | +7.9 points |
TMP's operating margin was 42% last quarter, up 6.5 points from the same quarter a year ago.
TMP Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $36.9M | +8.8% |
| Q2 2026 | -$17.1M | -194% |
| Q1 2026 | $71.1M | +241% |
| Q4 2025 | -$41.1M | -290% |
| Q3 2025 | $33.9M | +79% |
| Q2 2025 | $18.3M | -31% |
| Q1 2025 | $20.9M | -4.5% |
| Q4 2024 | $21.7M | +24% |
TMP's free cash flow was $50M over the past year, down 47% from the year before. Free cash flow isn't a meaningful measure for financial services companies like TMP.
TMP Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +12.5K shares |
| 1 year | 0% | +631 shares |
| 3 years | +0.9% | +121K shares |
| 5 years | -1.5% | -222K shares |
| Available history | -4.2% | -628K shares |
TMP has 14M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | $1.8M |
| Q2 2026 | $964,000 |
| Q1 2026 | $1.8M |
| Q4 2024 | — |
| Q3 2024 | — |
| Q4 2023 | $23,000 |
| Q3 2023 | $2.3M |
| Q2 2023 | $6.4M |
TMP Net Leverage
TMP Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 60.9 | Neutral |
| Stochastic | 51.4 | Neutral |
TMP's weekly RSI is 61 (neutral) and its Stochastic is 51 (neutral).
TMP PE vs Financial Services Sector
| Metric | TMP | Sector median | Relative |
|---|---|---|---|
| PE | 8x | 13x | 39% below |
| PE % | 7 | 63 | 56 pts below |
TMP is trading at 8.0x earnings, a 39% discount to the Financial Services sector's median of 13x.
TMP Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $99.0 | 1.1% above |
| 20 week MA | $98.3 | 1.9% above |
| 50 week MA | $87.7 | 14% above |
| 100 week MA | $76.4 | 31% above |
| 200 week MA | $66.9 | 50% above |
TMP is in an uptrend: it's above all five of its weekly moving averages, and 50% above its 200-week average.
TMP Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $90.3 | $70.0 | -22% |
| 2021 | $70.0 | $82.4 | +18% |
| 2022 | $82.4 | $77.4 | -6.1% |
| 2023 | $77.4 | $60.2 | -22% |
| 2024 | $60.2 | $68.0 | +13% |
| 2025 | $68.0 | $74.1 | +9% |
| 2026 YTD | $74.1 | $100.1 | +35% |
TMP is up 35% so far in 2026, after finishing lower in three of the previous six years.