Tompkins Financial

Tompkins Financial

Community banking wealth and insurance

Overview

Tompkins Financial is a financial holding company for community banking, wealth-management, and insurance businesses. Local relationship teams operate with shared risk, technology, finance, compliance, and corporate capabilities. Its regional affiliates provide deposit, lending, investment, trust, planning, and insurance services to households and organizations. The profile is Tompkins Financial and its affiliated operating companies in New York and Pennsylvania. Roles span branch banking, lending, wealth, insurance, operations, technology, risk, and professional support.

About Tompkins Financial

Simplify's Rating
Why Tompkins Financial is rated
B-
Rated B on Competitive Edge
Rated B on Growth Potential
Rated C on Differentiation

Industries

Financial Services

Company Size

1-10

Company Stage

IPO

Headquarters

Ithaca, New York

Founded

1836

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Simplify's Take

What believers are saying

  • Q2 2026 EPS reached $2.04, up 36%, proving post-sale earnings strength.
  • July 2026 dividend rose to $0.70, signaling management confidence and capital generation.
  • Tompkins sold $565 million securities at 1.56%, then reinvested at 4.52% yields.

What critics are saying

  • October 31, 2025 Gallagher sale erased insurance commissions; H1 2026 noninterest income fell 47%.
  • A July 2026 leadership handoff from John McKenna to Phil Quintana creates execution risk.
  • Upstate New York and Pennsylvania credit stress can hit loans; sustained losses threaten the franchise.

What makes Tompkins Financial unique

  • Tompkins Financial’s 1836 roots and local-decision banking model anchor regional trust.
  • July 2026 leadership adds Phil Quintana, a commercial lender with JPMorgan Chase and HSBC experience.
  • Core deposits are 90.8% of deposits, giving Tompkins cheaper funding than wholesale-heavy peers.

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Benefits

Health Insurance

Dental Insurance

Vision Insurance

401(k) Company Match

Profit Sharing

Paid Time Off

Paid Holidays

Tuition Reimbursement

Employee Referrals

Stock Price

Company News

MarketBeat
Jul 27th, 2026
Tompkins Financial (NYSEAMERICAN:TMP) shares gap up on better-than-expected earnings.

Tompkins Financial (NYSEAMERICAN:TMP) shares gap up on better-than-expected earnings. July 27, 2026 Key points. * Tompkins Financial shares jumped after the company reported quarterly earnings of $2.04 per share, exceeding analysts' $1.82 estimate, while revenue of $87.12 million slightly topped expectations. * The company increased its quarterly dividend from $0.67 to $0.70 per share, implying an annualized dividend of $2.80 and a 2.8% yield. * Analysts maintained a consensus "Hold" rating with an $87 target price, below the stock's post-earnings trading level near $101; institutional investors own 69.11% of the shares. * Five stocks to consider instead of Tompkins Financial. Tompkins Financial Corporation (NYSEAMERICAN:TMP - Get Free Report) shares gapped up prior to trading on Monday following a better than expected earnings announcement. The stock had previously closed at $92.65, but opened at $101.63. Tompkins Financial shares last traded at $100.87, with a volume of 37,596 shares. The financial services provider reported $2.04 earnings per share for the quarter, beating analysts' consensus estimates of $1.82 by $0.22. Tompkins Financial had a return on equity of 11.74% and a net margin of 30.13%.The firm had revenue of $87.12 million for the quarter, compared to the consensus estimate of $86.93 million. Tompkins Financial increases dividend. The firm also recently disclosed a quarterly dividend, which will be paid on Friday, August 14th. Investors of record on Friday, August 7th will be given a dividend of $0.70 per share. The ex-dividend date is Friday, August 7th. This represents a $2.80 annualized dividend and a dividend yield of 2.8%. This is an increase from Tompkins Financial's previous quarterly dividend of $0.67. Tompkins Financial's dividend payout ratio is currently 54.14%. Analyst ratings changes. Separately, Piper Sandler reiterated a "neutral" rating and issued a $87.00 target price (up from $82.00) on shares of Tompkins Financial in a research report on Tuesday, April 28th. Two equities research analysts have rated the stock with a Hold rating, According to MarketBeat.com, the company has a consensus rating of "Hold" and a consensus target price of $87.00. Insider buying and selling at Tompkins Financial. In related news, Director Ita M. Rahilly purchased 1,164 shares of the stock in a transaction dated Tuesday, May 26th. The stock was bought at an average cost of $85.90 per share, for a total transaction of $99,987.60. Following the completion of the acquisition, the director owned 11,849 shares of the company's stock, valued at approximately $1,017,829.10. This represents a 10.89% increase in their ownership of the stock. The transaction was disclosed in a filing with the Securities & Exchange Commission, which is available through the SEC website. Insiders own 2.52% of the company's stock. Institutional investors weigh in on Tompkins Financial. A number of hedge funds and other institutional investors have recently bought and sold shares of the company. Chicago Partners Investment Group LLC boosted its stake in shares of Tompkins Financial by 1.2% during the first quarter. Chicago Partners Investment Group LLC now owns 11,697 shares of the financial services provider's stock valued at $978,000 after purchasing an additional 133 shares in the last quarter. Millennium Management LLC increased its stake in shares of Tompkins Financial by 1.1% in the fourth quarter. Millennium Management LLC now owns 16,863 shares of the financial services provider's stock valued at $1,223,000 after buying an additional 183 shares during the period. WINTON GROUP Ltd raised its holdings in Tompkins Financial by 1.1% in the 4th quarter. WINTON GROUP Ltd now owns 19,263 shares of the financial services provider's stock valued at $1,397,000 after buying an additional 206 shares during the last quarter. Illinois Municipal Retirement Fund raised its holdings in Tompkins Financial by 4.3% in the 1st quarter. Illinois Municipal Retirement Fund now owns 6,750 shares of the financial services provider's stock valued at $532,000 after buying an additional 279 shares during the last quarter. Finally, MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. boosted its position in Tompkins Financial by 4.3% during the 1st quarter. MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. now owns 7,556 shares of the financial services provider's stock worth $476,000 after buying an additional 311 shares during the period. Institutional investors own 69.11% of the company's stock. Tompkins Financial trading down 0.1%. The company has a current ratio of 0.94, a quick ratio of 0.94 and a debt-to-equity ratio of 0.47. The firm has a market capitalization of $1.45 billion, a price-to-earnings ratio of 8.28 and a beta of 0.74. The firm's 50-day moving average is $90.45 and its 200 day moving average is $83.60. Tompkins Financial company profile. Tompkins Financial NYSEAMERICAN: TMP is a bank holding company headquartered in Ithaca, New York, that provides a diversified range of financial services. Through its principal banking subsidiary, Tompkins Trust Company, the firm offers commercial and consumer banking products including checking and savings accounts, mortgage loans, and credit facilities. Beyond traditional banking, Tompkins Financial delivers asset management, trust and estate planning, retirement services and investment advisory solutions. In addition to its core banking operations, Tompkins Financial operates Tompkins Insurance Agencies, which offers property and casualty, life and health insurance coverages to individuals and businesses. This instant news alert was generated by narrative science technology and financial data from MarketBeat in order to provide readers with the fastest reporting and unbiased coverage. Please send any questions or comments about this story to [email protected]. Before you consider Tompkins Financial, you'll want to hear this. MarketBeat keeps track of Wall Street's top-rated and best performing research analysts and the stocks they recommend to their clients on a daily basis. MarketBeat has identified the five stocks that top analysts are quietly whispering to their clients to buy now before the broader market catches on... and Tompkins Financial wasn't on the list. While Tompkins Financial currently has a Hold rating among analysts, top-rated analysts believe these five stocks are better buys. Robotics and automation are rapidly becoming essential infrastructure across healthcare, manufacturing, logistics, and many other industries. 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MarketBeat
Jul 18th, 2026
John G Ullman & Associates Inc. reduces position in Tompkins Financial Corporation $TMP.

John G Ullman & Associates Inc. reduces position in Tompkins Financial Corporation $TMP. July 18, 2026 Key points. * John G Ullman & Associates cut its Tompkins Financial stake by 17.5% in the first quarter, selling 14,551 shares and ending with 68,792 shares valued at about $5.42 million. * Tompkins Financial reported better-than-expected quarterly results, with EPS of $1.82 versus the $1.71 estimate, while revenue of $83.69 million was essentially in line with expectations. * The company also declared a quarterly dividend of $0.67 per share, which annualizes to $2.68 and implies a yield of about 2.8% at the time of the report. * MarketBeat previews top five stocks to own in August. John G Ullman & Associates Inc. decreased its holdings in Tompkins Financial Corporation (NYSEAMERICAN:TMP - Free Report) by 17.5% in the first quarter, according to the company in its most recent filing with the Securities and Exchange Commission. The fund owned 68,792 shares of the financial services provider's stock after selling 14,551 shares during the period. John G Ullman & Associates Inc. owned approximately 0.48% of Tompkins Financial worth $5,424,000 at the end of the most recent quarter. A number of other institutional investors have also bought and sold shares of the business. Chicago Partners Investment Group LLC grew its position in shares of Tompkins Financial by 1.2% in the first quarter. Chicago Partners Investment Group LLC now owns 11,697 shares of the financial services provider's stock valued at $978,000 after purchasing an additional 133 shares in the last quarter. Millennium Management LLC lifted its position in Tompkins Financial by 1.1% during the fourth quarter. Millennium Management LLC now owns 16,863 shares of the financial services provider's stock worth $1,223,000 after buying an additional 183 shares in the last quarter. WINTON GROUP Ltd boosted its stake in Tompkins Financial by 1.1% during the fourth quarter. WINTON GROUP Ltd now owns 19,263 shares of the financial services provider's stock worth $1,397,000 after buying an additional 206 shares during the last quarter. Illinois Municipal Retirement Fund boosted its stake in Tompkins Financial by 4.3% during the first quarter. Illinois Municipal Retirement Fund now owns 6,750 shares of the financial services provider's stock worth $532,000 after buying an additional 279 shares during the last quarter. Finally, MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. grew its holdings in Tompkins Financial by 4.3% in the 1st quarter. MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. now owns 7,556 shares of the financial services provider's stock valued at $476,000 after buying an additional 311 shares in the last quarter. 69.11% of the stock is owned by hedge funds and other institutional investors. Analyst ratings changes. Separately, Piper Sandler reaffirmed a "neutral" rating and issued a $87.00 target price (up from $82.00) on shares of Tompkins Financial in a research note on Tuesday, April 28th. Two analysts have rated the stock with a Hold rating, According to MarketBeat, the company presently has an average rating of "Hold" and an average target price of $87.00. Discover more Cryptocurrency market updates Financial News Stock market insights Insider buying and selling. In other Tompkins Financial news, Director Ita M. Rahilly purchased 1,164 shares of the firm's stock in a transaction dated Tuesday, May 26th. The shares were acquired at an average price of $85.90 per share, with a total value of $99,987.60. Following the purchase, the director directly owned 11,849 shares in the company, valued at approximately $1,017,829.10. This trade represents a 10.89% increase in their position. The purchase was disclosed in a document filed with the SEC, which is available at the SEC website. 2.52% of the stock is owned by corporate insiders. Tompkins Financial stock performance. Tompkins Financial stock opened at $94.04 on Friday. The firm has a 50 day simple moving average of $89.27 and a 200-day simple moving average of $82.76. Tompkins Financial Corporation has a 1-year low of $61.21 and a 1-year high of $97.12. The company has a debt-to-equity ratio of 0.47, a current ratio of 0.94 and a quick ratio of 0.94. The stock has a market cap of $1.35 billion, a price-to-earnings ratio of 8.06 and a beta of 0.74. Tompkins Financial (NYSEAMERICAN:TMP - Get Free Report) last released its quarterly earnings results on Friday, April 24th. The financial services provider reported $1.82 EPS for the quarter, beating the consensus estimate of $1.71 by $0.11. Tompkins Financial had a net margin of 28.93% and a return on equity of 11.27%. The firm had revenue of $83.69 million for the quarter, compared to analyst estimates of $83.64 million. On average, analysts expect that Tompkins Financial Corporation will post 7.55 EPS for the current year. Tompkins Financial announces dividend. The firm also recently announced a quarterly dividend, which was paid on Friday, May 15th. Shareholders of record on Friday, May 8th were given a $0.67 dividend. The ex-dividend date was Friday, May 8th. This represents a $2.68 dividend on an annualized basis and a yield of 2.8%. Tompkins Financial's payout ratio is currently 54.14%. Tompkins Financial company profile. Tompkins Financial NYSEAMERICAN: TMP is a bank holding company headquartered in Ithaca, New York, that provides a diversified range of financial services. Through its principal banking subsidiary, Tompkins Trust Company, the firm offers commercial and consumer banking products including checking and savings accounts, mortgage loans, and credit facilities. Beyond traditional banking, Tompkins Financial delivers asset management, trust and estate planning, retirement services and investment advisory solutions. In addition to its core banking operations, Tompkins Financial operates Tompkins Insurance Agencies, which offers property and casualty, life and health insurance coverages to individuals and businesses. This instant news alert was generated by narrative science technology and financial data from MarketBeat in order to provide readers with the fastest reporting and unbiased coverage. Please send any questions or comments about this story to [email protected]. Before you consider Tompkins Financial, you'll want to hear this. MarketBeat keeps track of Wall Street's top-rated and best performing research analysts and the stocks they recommend to their clients on a daily basis. MarketBeat has identified the five stocks that top analysts are quietly whispering to their clients to buy now before the broader market catches on... and Tompkins Financial wasn't on the list. While Tompkins Financial currently has a Hold rating among analysts, top-rated analysts believe these five stocks are better buys. MarketBeat just released its list of the 7 hottest IPOs expected to hit Wall Street in 2026. See which companies are preparing to go public and why investors are watching closely.

Business Wire
May 29th, 2026
Tompkins Community Bank announces John Huhtala as president of Central New York market.

Tompkins Community Bank announces John Huhtala as president of Central New York market. ITHACA, N.Y.-(BUSINESS WIRE)-Tompkins Community Bank (Tompkins) is pleased to announce the appointment of John Huhtala as president of its Central New York market. In this role, Huhtala will lead the company's market presence, with a focus on strengthening client relationships, expanding business development efforts, deepening community engagement and supporting collaboration across the organization. Huhtala brings more than 28 years of commercial banking, sales leadership and relationship management experience to the role. He currently serves at Tompkins as commercial banking regional manager in Ithaca, New York. Before joining Tompkins, he held leadership roles at JPMorgan Chase, HSBC and NBT Bank, where he developed broad expertise in commercial banking, business development, talent development and market leadership. "John is a highly respected leader with a strong track record of building teams, growing relationships and representing the organization with integrity in the community," said Phillip M. Quintana, president, Tompkins Community Bank. "We are excited to welcome him to this important leadership role and are confident he will make an immediate and lasting impact across our mature market, such as Ithaca, and our expansion markets of Central New York." Huhtala holds an MBA from Binghamton University and a bachelor's degree in business administration from Nazareth College. He is also deeply committed to community service, with board and leadership involvement that has included CenterState CEO, Syracuse Stage, On Point for College, and Vera House. Known for his collaborative and relationship-driven approach, Huhtala will continue to maintain his primary office in Ithaca while helping strengthen Tompkins' visibility and involvement across Central New York. His experience developing talent, cultivating executive relationships and encouraging unity across business lines positions him well to help lead the next chapter of growth in Central New York. ABOUT TOMPKINS Founded in 1836, Tompkins Community Bank serves the Central, Western and Hudson Valley regions of New York and the Southeastern region of Pennsylvania. Through its unique local decision-making model, the bank offers personalized service and exceptional responsiveness while providing a full array of financial products and services, including commercial and consumer banking. Tompkins Community Bank provides wealth management services, including investment management, trust and estate, financial and tax planning services, under the Tompkins Financial Advisors brand. Further information is available at www.tompkinsbank.com.

Yahoo Finance
May 22nd, 2026
Tompkins Financial reports record 2025 earnings and lifts dividend 8.1% amid strong capital position

Tompkins Financial reported record 2025 results with GAAP net income of $161.1 million and diluted earnings per share of $11.24, alongside strong first-quarter 2026 earnings growth and an 8.1% dividend increase. The community bank's balance sheet showed improved strength, with a Tier 1 capital ratio of 10.58% and core deposits representing 90.8% of total deposits. The results exceeded prior expectations that had anticipated revenue and earnings contraction. Despite the strong performance, analysts caution that current profitability may be above normal sustainable levels. Simply Wall St Community fair value estimates range from $88.50 to $130 per share, suggesting the stock remains potentially undervalued by 34%. The key question for investors is whether the bank can maintain its net interest margin and loan growth momentum.

Yahoo Finance
Apr 25th, 2026
Tompkins Financial's Q1 EPS rises to $1.83 as net interest income climbs to $71.86M

Tompkins Financial Corporation reported first-quarter 2026 results with net interest income rising to $71.86 million and net income reaching $26.07 million, both higher year-on-year. Basic earnings per share from continuing operations increased to $1.83, indicating stronger profitability compared with the prior-year quarter. The results reinforce the regional bank's traditional narrative of steady net interest income and disciplined credit management, though they don't transform its investment thesis. Key risks remain around credit quality, particularly following large net charge-offs in late 2025, and potential margin pressure from funding costs. Despite the positive quarterly performance, analysts suggest the shares may be trading 38% above fair value. The Simply Wall St Community's fair value estimates range from approximately $84.50 to $132.16 per share.

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