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Upturn AI SWOT - About
TMP 
Tompkins Financial Corporation (TMP)
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Upturn Advisory Summary
04/01/2025: TMP (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit -26.02% | Avg. Invested days 24 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 903.46M USD | Price to earnings Ratio 12.59 | 1Y Target Price 76.5 |
Price to earnings Ratio 12.59 | 1Y Target Price 76.5 | ||
Volume (30-day avg) 55319 | Beta 0.71 | 52 Weeks Range 41.35 - 78.32 | Updated Date 04/1/2025 |
52 Weeks Range 41.35 - 78.32 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 3.94% | Basic EPS (TTM) 4.97 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 24.21% | Operating Margin (TTM) 34.11% |
Management Effectiveness
Return on Assets (TTM) 0.89% | Return on Equity (TTM) 10.26% |
Valuation
Trailing PE 12.59 | Forward PE - | Enterprise Value 1629879296 | Price to Sales(TTM) 3.09 |
Enterprise Value 1629879296 | Price to Sales(TTM) 3.09 | ||
Enterprise Value to Revenue 5.74 | Enterprise Value to EBITDA - | Shares Outstanding 14434500 | Shares Floating 11819514 |
Shares Outstanding 14434500 | Shares Floating 11819514 | ||
Percent Insiders 9.2 | Percent Institutions 67.3 |
Analyst Ratings
Rating 4 | Target Price 83 | Buy 1 | Strong Buy - |
Buy 1 | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Tompkins Financial Corporation
Company Overview
History and Background
Tompkins Financial Corporation was founded in 1836 as The Tompkins County National Bank. Over time, it evolved into a financial services company offering banking, insurance, wealth management, and trust services through its various subsidiaries.
Core Business Areas
- Community Banking: Offers a range of deposit and loan products, including commercial loans, mortgages, and consumer loans.
- Insurance Services: Provides property and casualty insurance, employee benefits, and risk management services.
- Wealth Management: Offers investment management, financial planning, and trust services to individuals and institutions.
Leadership and Structure
The leadership team includes the President & CEO, CFO, and heads of various business segments. The organizational structure consists of a holding company with subsidiary banks and other financial services entities.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for working capital, equipment, and real estate. Tompkins Financial competes with larger national banks and other regional players in this space. Market share data is not readily available and varies by specific region.
- Mortgage Loans: Residential mortgage loans offered to consumers. Competitors include national mortgage lenders and other regional banks. Market share data is not readily available and varies by specific region.
- Wealth Management Services: Investment management, financial planning, and trust services for individuals and institutions. Competitors include larger brokerage firms and other regional wealth management providers. Market share data is not readily available and varies by specific region.
Market Dynamics
Industry Overview
The financial services industry is highly competitive and subject to regulatory changes, interest rate fluctuations, and economic cycles. Consolidation is a continuing trend.
Positioning
Tompkins Financial Corporation is a regional player focused on community banking and wealth management. Its competitive advantages include its local presence, strong customer relationships, and diversified service offerings.
Total Addressable Market (TAM)
The TAM includes all potential customers for banking, insurance, and wealth management services in its geographic footprint. Exact TAM data is not readily available but is estimated to be in the billions. Tompkins Financial Corporation focuses on capturing a segment of this market through local presence and customer relationships.
Upturn SWOT Analysis
Strengths
- Strong community relationships
- Diversified revenue streams
- Experienced management team
- Conservative lending practices
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger competitors
- Dependence on local economy
- Higher expense ratio relative to its peers
Opportunities
- Expansion into new markets
- Acquisitions of smaller banks and insurance agencies
- Growth in wealth management services
- Technological advancements in banking
Threats
- Increased competition from larger banks
- Economic downturns
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- M&T Bank (MTB)
- Community Bank System (CBU)
- Fulton Financial (FULT)
Competitive Landscape
Tompkins Financial competes with larger regional and national banks, as well as smaller community banks. Its advantages include its local presence and customer relationships. Its disadvantages include its smaller scale and limited geographic reach.
Major Acquisitions
Beacon Insurance Agency
- Year: 2021
- Acquisition Price (USD millions): 15
- Strategic Rationale: Expanded insurance services and increased market share in a key region.
Growth Trajectory and Initiatives
Historical Growth: Tompkins Financial's growth has been steady, driven by organic expansion and acquisitions.
Future Projections: Future growth is expected to be moderate, driven by continued expansion and improvements in efficiency. Analyst estimates vary based on economic conditions.
Recent Initiatives: Recent initiatives include investments in technology and expansion of wealth management services.
Summary
Tompkins Financial Corporation is a stable regional bank with diversified revenue streams, strong community relationships, and experienced management team. Its limited geographic reach and smaller scale compared to larger competitors are drawbacks. Future growth is expected to be moderate, driven by continued expansion and improvements in efficiency. They must look out for economic downturns.
Similar Companies
CBU
Community Bank System Inc
CBU
Community Bank System Inc
ESSA
ESSA Bancorp Inc
ESSA
ESSA Bancorp Inc
UCBI
United Community Banks Inc
UCBI
United Community Banks Inc
WTFC
Wintrust Financial Corporation
WTFC
Wintrust Financial Corporation
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
Disclaimers:
The information provided is for informational purposes only and should not be construed as financial advice. Market share estimates are approximate.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Tompkins Financial Corporation
Exchange NYSE MKT | Headquaters Ithaca, NY, United States | ||
IPO Launch date 1990-03-28 | President, CEO & Director Mr. Stephen S. Romaine | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 941 | |
Full time employees 941 | |||
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. The company operates through three segments: Banking, Insurance, and Wealth Management. It accepts various deposit products, including checking and savings accounts, time deposits, and IRA products. The company 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, it 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. The company 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.
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