TMP | Ticker Profile - Titan Protect

TMP

Tompkins Financial Corporation

Financial Services · Banks - Regional · ASE

$87.41

Data: 2026-05-28

✗ ETHICAL FAIL

Unknown MOAT

HIGH

Data Confidence: 100.0%

Key Metrics

How this company measures up on the fundamentals that matter

Market Cap

$1.3B

Total market value of the company

Trailing P/E

7.44

Very cheap relative to earnings

Forward P/E

10.68

Based on estimated future earnings — lower means cheaper

Rev Growth

+7.6%

Year-over-year revenue change

Profit Margin

38.0%

How much profit the company keeps from each dollar of revenue

ROE

19.8%

Return on equity — how efficiently it uses shareholder money

Analyst Target

$88.50

+1% from current price — median analyst estimate

Recommendation

NONE

Consensus view from 2 analysts covering this stock

About Tompkins Financial Corporation

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.

https://www.tompkinsfinancial.com

Country: United States Employees: 813 Industry: Banks - Regional

Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity

FAIL

Core business does not involve prohibited activities

Debt Ratio

0.0% N/A

Debt must be below 33% of total assets

Cash Ratio

0.0% N/A

Interest-bearing cash below 33% of assets

Receivables

0.0% N/A

Receivables below 49% of assets

Revenue Purity

0.0% N/A

Non-compliant revenue below 5% — any excess requires purification

Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

Regime

ACCUMULATION

Smart money appears to be building positions quietly

Sharpe Ratio

1.208

Excellent risk-adjusted returns

Kelly Fraction

0.1005

Suggested allocation is meaningful — the edge justifies a position

Calmar Ratio

1.594

Returns exceed worst-case losses — strong risk profile

Annual Return

44.3%

Historical annualised return based on price data

Max Drawdown

-27.8%

Largest peak-to-trough decline — the worst it has been

HMM State

SIDEWAYS

Price consolidating — no clear directional bias

Days in State

How long the current regime has persisted — longer means more stable

Market Data

Trading characteristics and market positioning

Beta

0.74

Less volatile than the market — more defensive

52W High

$87.90

1% below the year high

52W Low

$59.67

46% above the year low

Avg Volume

61,813

Average daily shares traded — higher means easier to buy and sell

Short Ratio

3.7

Days it would take all short sellers to cover — higher means more crowded

Short % Float

1.8%

Low short interest — limited bearish positioning

Div Yield

308.0%

Annual dividend as a percentage of the share price

EPS (TTM)

$11.69

Earnings per share over the last 12 months

Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Like current ratio but excludes inventory — stricter test

Gross Margin

0.0%

Revenue left after cost of goods — higher means pricing power

Operating Margin

41.9%

Profit from core operations before interest and tax

Free Cash Flow

N/A

Negative — the business is spending more than it generates

Revenue (TTM)

$441M

Total revenue over the last 12 months

Net Income

$167M

Profitable — the bottom line is positive

Analyst Coverage

Analysts

Target High

$90.00

Target Median

$88.50

Target Low

$87.00

Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated: 2026-05-28

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