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Tompkins Financial Corporation

TMP

Financial Services · 99.25 +2.3% today

Participation confirmed · construction unavailableMarket checked 11 Sept, 09:45 GMT-4

Market read

Tompkins Financial Corporation's move is spreading beyond its market group.

No new filing conclusion is available. 7 of 9 group members are active now; 2 filing-linked outsiders are moving with the group, and 0 of 1 directly disclosed connection is confirming.

Company+2.3% todayVolume comparison unavailable
Market group7 of 9 activeRegional Banks · active
Disclosed network0 of 1 confirmingNo filing-linked name is confirming now
What would change this read
  • At least 6 of 9 members remain active in the next snapshot.
  • Capital-flow agreement rises above 55%.
  • MBWM remains aligned with the group in the next market snapshot.

Invalidation: The live read weakens if participation falls to 3 of 9 members or fewer.

Watch this read

Research brief

The story so far

Financial Services · Banks - Regional

No new filing conclusion is available. 7 of 9 group members are active now; 2 filing-linked outsiders are moving with the group, and 0 of 1 directly disclosed connection is confirming.

Evidence that supports

No thresholded supportive filing evidence is available yet.

Evidence that challenges

No thresholded adverse filing evidence is available yet.

What would clarify the read
  • At least 6 of 9 members remain active in the next snapshot.
  • Capital-flow agreement rises above 55%.
  • MBWM remains aligned with the group in the next market snapshot.

Company research

Understand the business, not just the ticker

As of Sep 11, 2026
Business model and earnings drivers

Use the company’s filings to identify the few operating, demand, cost, capital and regulatory variables that determine its earnings power.

Key research questions
  • Which operating variable is changing?
  • Is that change durable, cyclical or one-off?
  • What evidence would disprove the current interpretation?
Annual periods9
Price observations319
Usable filing statements150
Verified relationships1
Evidence supporting the case
  • Net margin changed +123.3 percentage points in the latest annual period.
Evidence challenging the case
  • Latest annual revenue changed -4.5% year over year.
  • Operating cash flow was only 0.24x net income in the latest annual period.
Questions before a position
  • P/E is 20% below the available filing-peer median; determine whether growth and quality justify the difference.
  • EV/sales is 90% below the available filing-peer median; determine whether growth and quality justify the difference.
Longer-term price context

Price as of Sep 10, 2026

98.15
6m+27.9%12m+38.4%24m—
Annual trajectory

Reported annual revenue and per-share history. This is accounting history, not a forecast.

PeriodRevenueYoYDiluted EPSShare change
2021-12-31$72.6M+10.4%$6.05-0.6%
2022-12-31$74.0M+1.9%$5.89-1.7%
2023-12-31$75.0M+1.4%$0.66-0.7%
2024-12-31$79.3M+5.7%$4.97-0.2%
2025-12-31$75.7M-4.5%$11.24+0.5%

What management says matters

Persistent and emerging business drivers

Credit and interest ratesmixed · 5 filings
“Interest expense for the three and six months ended June 30, 2026 decreased $1.6 million, or 4.7%, and $3.6 million or 5.4%, respectively, compared to the same periods in 2025, driven mainly by a decrease in average rates paid on interest-bearing liabilities,…”
10-Q · Jul 31, 2026 ↗

Valuation discipline

Descriptive valuation snapshot

Price/sales 18.6× · EV/sales 16.8×. Comparisons use only industry-matched filing peers.

Scenario scaffold

Scenarios are withheld for Financial Services until sector-specific earnings and capital metrics are available; generic revenue/P/S scaffolds would be misleading.

Price action

How the market is pricing the story

99.25+2.3% today

Jodie does not have enough daily observations to draw a useful short-term chart for this asset. The latest quoted price was checked 11 Sept, 09:45 GMT-4; this is a coverage limitation, not a flat-price conclusion.

Developments

No sourced recent-development timeline yet

Jodie has not returned a relevant primary source or news item for TMP. This is an evidence-coverage gap, not a conclusion that nothing material happened.

Business and financial condition

Reported financial figures are not available yet

Jodie has not returned structured SEC XBRL fundamentals for this asset. This is a coverage limitation, not an assessment of the business or its financial health.

Filing analysis

No comparable filing assessment is available yet

Jodie has not yet found a suitable current-versus-prior filing comparison for TMP. This does not mean the latest filing was neutral or immaterial.

Business ecosystem

The relationships behind TMP

Customers, suppliers, partners and competitors named in company filings—not inferred from headlines.

Depends on

AJGArthur J. Gallagher & Co.customerFeb 26, 2026 ▾

“The increase in both diluted earnings per share and net income included the sale of all of the 27 Table of Contents issued and outstanding shares of capital stock of the Company's wholly owned subsidiary, Tompkins Insurance Agencies, Inc.”

Filing peers

No filing peers are available for this name yet.

Open the three relationships above to see Jodie’s filing proof. Pro unlocks every receipt, and alerts when connected names begin moving. Unlock the full network →

What is moving around it

Live connections

TMP is currently a Early Follower in the organic co-movement group Regional Banks. This group is discovered from market behaviour rather than assigned from an industry taxonomy. 1 filing-linked name are in the relationship map; none is currently confirmed as moving with the group.

Context history

Theme membership history

No durable theme membership has been observed for this name yet.