olivLaw · US equity research
Tompkins Financial Corporation TMP
State Commercial Banks · SIC 6022 · Vertical: State Commercial Banks (SIC 6022)
Tompkins Financial Corporation is a locally oriented financial services company based in Ithaca, New York, offering commercial and consumer banking, leasing and wealth management through the Tompkins Financial Advisors brand. After selling its insurance subsidiary in October 2025, the company focused on banking and wealth management, and its net interest margin rose to 3.65% in the third quarter of 2026, supporting higher profit. The company trades on NYSE American under the symbol TMP.
The AI analysis may be outdated: new filings came after its sources (see the «AI analysis» section).
At the close of 05 Nov 2026, Tompkins Financial Corporation (TMP) stock was 100.02 USD (−2.51% on the day), with market capitalisation 1.4 bn USD, P/E 8.0 on diluted EPS of 12.56 USD over the last 12 months, dividend yield 3.31%, beta 0.91, 52-week range 64.50–102.60 USD. Latest reported quarter (Q3 2026): net income of 28.7 m USD (+21.0% YoY), diluted EPS 2.00 USD.
Data as of · AI analysis dated · Source: SEC filings and closing prices, computed by olivLaw.
Price history
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Technical reading
- RSI (14)
- 51.4
- neutral
- Bollinger (20, 2)
- 94.83 – 103.90
- in the upper half of the band · %B 0.57 · band width 9.1%
- SMA 50 / 200
- 98.46 / 89.58
- uptrend (price > SMA50 > SMA200)
- MACD (12, 26, 9)
- 0.89 / 0.83
- MACD above signal
Indicators describe past prices; on their own they do not predict direction. On our history the RSI ≤ 40 filter added no return (see the signals methodology).
Performance
| Company | S&P 500 | vs S&P 500 | Vertical median | |
|---|---|---|---|---|
| 1 month | +2.3% | −5.9% | +8.2 pp | — |
| 3 months | +0.1% | −4.6% | +4.8 pp | — |
| 6 months | +16.6% | +0.2% | +16.4 pp | — |
| Year to date | +37.9% | +7.4% | +30.5 pp | — |
| 1 year | +46.6% | +8.2% | +38.4 pp | +23.8% |
| 3 years | +87.1% | +68.4% | +18.7 pp | +79.8% |
| 5 years | +18.0% | +56.5% | −38.5 pp | — |
Price returns, dividends excluded.
Quarterly results
Latest quarter: Q3 2026 · 30 Sept 2026
Quarterly margins
Quarterly statements · USD
| Fiscal year | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 18.5 m | 21.5 m | — | — | — | — | — | — |
| Pre-tax income | 25.7 m | 25.8 m | 28.2 m | 31.1 m | 139.7 m | 34.5 m | 38.5 m | 37.8 m |
| Income tax | 6.0 m | 6.1 m | 6.8 m | 7.4 m | 43.5 m | 8.4 m | 9.2 m | 9.1 m |
| Net income | 19.7 m | 19.7 m | 21.5 m | 23.7 m | 96.2 m | 26.1 m | 29.3 m | 28.7 m |
| Diluted EPS | 1.37 ≈ | 1.37 | 1.50 | 1.65 | 6.70 ≈ | 1.82 | 2.04 | 2.00 |
| Operating cash flow | 23.2 m | 22.2 m | 18.0 m ≈ | 35.9 m ≈ | -37.2 m | 73.4 m | -15.1 m ≈ | 37.9 m ≈ |
| Capex | 1.6 m | 1.4 m | 669.0 k ≈ | 1.0 m ≈ | 3.9 m | 2.3 m | 2.0 m ≈ | 1.0 m ≈ |
| Dividends paid | 9.1 m | 8.8 m | 8.9 m ≈ | 8.8 m ≈ | 9.6 m | 9.5 m | 9.6 m ≈ | 10.0 m ≈ |
| Share repurchases | 0 | 0 | 0 ≈ | 0 ≈ | 1.7 m | 1.8 m | 964.0 k ≈ | 1.8 m ≈ |
≈ derived quarter (cumulative difference / share-days average)
E/P over time
E/P = trailing-12-month diluted EPS / price at quarter end. E/P is the inverse of P/E and stays defined when earnings are negative.
Today's P/E sits at the 10 percentile of its own 40-quarter history (min 6.5, median 13.7, max 106.3; quarters with earnings only).
Fiscal years
| Fiscal year | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 66.0 m | 67.6 m | 65.7 m | 72.6 m | 74.0 m | 75.0 m | 79.3 m | 75.7 m |
| Revenue YoY | +4.5% | +2.4% | −2.7% | +10.4% | +1.9% | +1.4% | +5.7% | −4.5% |
| Net income | 82.3 m | 81.7 m | 77.6 m | 89.3 m | 85.0 m | 9.5 m | 70.9 m | 161.1 m |
| Net income YoY | +56.8% | −0.7% | −5.1% | +15.0% | −4.7% | −88.8% | +645.4% | +127.3% |
| Diluted EPS | 5.35 | 5.37 | 5.20 | 6.05 | 5.89 | 0.66 | 4.97 | 11.24 |
| Diluted EPS YoY | +56.0% | +0.4% | −3.2% | +16.3% | −2.6% | −88.8% | +653.0% | +126.2% |
| net % | 124.8% | 121.0% | 118.0% | 123.0% | 114.9% | 12.7% | 89.3% | 212.7% |
| Free cash flow | 89.2 m | 95.6 m | 96.8 m | 116.4 m | 95.2 m | 82.2 m | 88.8 m | 31.9 m |
Reported results vs expectations
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Balance sheet & financial health
Fiscal year 2025 · 31 Dec 2025
- Cash
- 132.8 m USD
- Financial debt
- unavailable USD
- Net debt
- unavailable USD
- Equity
- 938.4 m USD
- Total assets
- 8.7 bn USD
- Debt / equity
- unavailable
- Current ratio
- unavailable
- ROE
- 19.5%
- ROA
- 1.9%
- FCF margin
- 42.2%
Financial statements (source on every figure)
Revenue and net income (USD)
Income statement · USD
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Net interest income | 225.3 m | 223.8 m | 230.3 m | 209.5 m | 211.1 m | 249.7 m | SEC (XBRL)· 26 Feb 2026verified |
| Net fee income | 73.9 m | 78.8 m | 78.0 m | 10.2 m | 88.1 m | 196.9 m | SEC (XBRL)· 26 Feb 2026verified |
| Non-interest expense | 184.3 m | 190.3 m | 195.8 m | 203.3 m | 199.6 m | 210.2 m | SEC (XBRL)· 26 Feb 2026verified |
| Pre-tax income | 97.7 m | 114.6 m | 109.7 m | 12.1 m | 93.0 m | 224.9 m | SEC (XBRL)· 26 Feb 2026verified |
| Net income | 77.6 m | 89.3 m | 85.0 m | 9.5 m | 70.9 m | 161.1 m | SEC (XBRL)· 26 Feb 2026verified |
| Diluted EPS | 5.20 | 6.05 | 5.89 | 0.66 | 4.97 | 11.24 | SEC (XBRL)· 26 Feb 2026verified |
| Dividend per share | 2.10 | 2.19 | 2.31 | 2.40 | 2.44 | 3.13 | SEC (XBRL)· 26 Feb 2026verified |
Balance sheet · USD
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Cash | 388.5 m | 63.1 m | 77.8 m | 79.5 m | 134.4 m | 132.8 m | SEC (XBRL)· 26 Feb 2026verified |
| Loans | 5.2 bn | 5.0 bn | 5.2 bn | 5.6 bn | 6.0 bn | 6.4 bn | SEC (XBRL)· 26 Feb 2026verified |
| Total assets | 7.6 bn | 7.8 bn | 7.7 bn | 7.8 bn | 8.1 bn | 8.7 bn | SEC (XBRL)· 26 Feb 2026verified |
| Deposits | 6.4 bn | 6.8 bn | 6.6 bn | 6.4 bn | 6.5 bn | 6.9 bn | SEC (XBRL)· 26 Feb 2026verified |
| Total liabilities | 6.9 bn | 7.1 bn | 7.1 bn | 7.1 bn | 7.4 bn | 7.7 bn | SEC (XBRL)· 26 Feb 2026verified |
| Equity | 717.7 m | 728.9 m | 617.4 m | 669.9 m | 713.4 m | 938.4 m | SEC (XBRL)· 26 Feb 2026verified |
Cash flow · USD
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Dividends paid | 31.4 m | 32.4 m | 33.6 m | 34.5 m | 35.0 m | 36.1 m | SEC (XBRL)· 26 Feb 2026verified |
| Share repurchases | 9.4 m | 23.8 m | 15.4 m | 8.7 m | 0 | 1.7 m | SEC (XBRL)· 26 Feb 2026verified |
Computed indicators
Growth
Profitability
Returns
Market and valuation
Banking
32 indicators that do not apply to the sector.
Valuation
olivLaw classification
Score: 76 / 100
A scoring methodology on indicators and valuation, not investment advice.
Closing price
05 Nov 2026Source: olivLaw, closing series
Market cap: 1.4 bn USD
Key indicators
Coverage and freshness
Score by group
- Quality92
- Growth61
- Balance sheet25
- Returns85
- Valuation63
Estimated value range
The combined range = the median of the valid methods' low, central and high values; it is not a probability interval and does not cover every result. Envelope of all methods: 41.13 – 207.00 USD.
Valuation assumptions are editorial choices, not measured; beta is not measured.
Method ranges (USD per share)
— — Mid · ▏ Price
Valuation methods
- Residual income81.52 – 85.29 (Mid 83.37)
- Justified P/B153.92 – 207.00 (Mid 176.56)
- Dividend discount (DDM)41.13 – 55.31 (Mid 47.18)
- Peers: P/E136.35 – 167.33 (Mid 151.95)34 companies used · median multiple 12.1x · quartiles 10.9x – 13.3xBFST, BNY, BOH, BOTJ, BSRR, CFG, CIVB, COLB, COSO, EWBC, FBP, FCCO, FITB, FUSB, GABC, GBFH, INBK, ISBA, JMSB, LKFN, MCB, MTB, MVBF, NTRS, OFG, PCB, PEBK, QCRH, RBB, STT, SYBT, TCBK, UBCP, WASH
- Peers: P/B73.63 – 97.92 (Mid 82.92)34 companies used · median multiple 1.3x · quartiles 1.1x – 1.5xBFST, BOH, BOTJ, BSRR, CBFV, CFG, CIVB, COLB, COSO, EWBC, FBP, FCCO, FITB, FUSB, GABC, GBFH, INBK, ISBA, JMSB, LKFN, MCB, MTB, MVBF, OFG, PCB, PEBK, QCRH, RBB, STT, SYBT, TCBK, UBCP, UCB, WASH
Classification (SIC) comparables group by industry code, not by economic activity; the direct group is an editorial selection by activity. Members' multiples are on their own trailing twelve months, at their own latest close.
Assumptions (illustrative, editorial)
- Risk-free rate
- 4.3%
- Equity risk premium
- 5.0%
- Beta (default)
- 1.00
- Cost of equity
- 9.3%
- Terminal growth
- 2.5%
Factor scorecard
Neutral profile · Score 76/100
| Factor | Value | Score | Weight used |
|---|---|---|---|
| ROE · Quality | 20.9% | 100 (vs peers) | 19% |
| ROA · Quality | 2.1% | 100 (on a fixed band) | 7% |
| Cost-to-income · Quality | 43.5% | 86 (on a fixed band) | 12% |
| Net interest margin · Quality | 3.3% | 74 (on a fixed band) | 7% |
| EPS CAGR 3Y · Growth | 24.0% | 100 (on a fixed band) | 10% |
| Revenue CAGR 3Y · Growth | 0.8% | 8 (on a fixed band) | 7% |
| NPL ratio · Balance sheet | unavailable | unavailable | — |
| Cost of risk · Balance sheet | unavailable | unavailable | — |
| Loan-to-deposit · Balance sheet | 90.0% | 25 (on a fixed band) | 5% |
| P/B · Valuation | 1.5x | 25 (vs peers) | 12% |
| P/E (TTM) · Valuation | 8.0x | 100 (vs peers) | 12% |
| Dividend yield · Returns | 3.3% | 85 (vs peers) | 10% |
Factors without a value were dropped; the remaining weights were renormalised.
Score groups
- Balance sheet· partial25/100 · 1/3 factors with a value
- Growth61/100 · 2/2 factors with a value
- Quality92/100 · 4/4 factors with a value
- Returns85/100 · 1/1 factors with a value
- Valuation63/100 · 2/2 factors with a value
A «partial» group is computed from under half of its weight or from one factor: it is not a full assessment of the group.
Memo
Tompkins Financial Corp (TMP). Latest full fiscal year: 2025; data up to 2026-09-30.
Figures computed from the financial statements: net interest income 249.7 m USD in 2025; YoY growth -4.5%; net margin 238.0%; ROE 20.9%.
The estimated value range is 81.52–97.92 USD per share (median of 5 methods, agreement: low); assumptions are illustrative. Against the central value of 83.37 USD, the price of 100.02 USD leaves a potential of -16.6% (value / price − 1) and a margin of safety of -20.0% (1 − price / value). The range is the median of the methods' low, central and high values, not a probability interval.
olivLaw score 76/100, methodological classification: neutral profile (score, margin of safety and method agreement together; not a judgement of the right price). Groups assessed only in part: balance. Not investment advice.
Text generated deterministically from the figures shown; no language model. Not investment advice.
What supports the thesis
- ROE: 20.9%
- ROA: 2.1%
- Cost-to-income: 43.5%
- Net interest margin: 3.3%
- EPS CAGR 3Y: 24.0%
- P/E (TTM): 8.0x
- Dividend yield: 3.3%
What contradicts it
- Revenue CAGR 3Y: 0.8%
- Loan-to-deposit: 90.0%
- P/B: 1.5x
- The price is above the estimated value range
- The valuation methods diverge
Not assessed (insufficient data or a ratio without meaning): NPL ratio, Cost of risk.
Versus the vertical median
State Commercial Banks (SIC 6022) · same industry (4-digit SIC) · compared with 39 companies
Multiples and returns vs the median
Price rebased to 100 (monthly, 5 years)
Companies in the vertical
| Market cap | P/E | ROE | Net margin | Revenue YoY | 1A / 3A | |
|---|---|---|---|---|---|---|
| BNYThe Bank Of New York Mellon Corporation | 99.2 bn | 16.2 | 15.0% | 32.6% | +7.8% | +32% / +205% |
| FITBFifth Third Bancorp | 48.3 bn | 18.0 | 9.4% | — | −2.0% | +23% / +85% |
| STTState Street Corporation | 45.0 bn | 13.3 | 13.1% | 23.8% | +7.3% | +39% / +127% |
| MTBM&T Bank Corporation | 31.5 bn | 11.3 | 10.6% | 175.6% | +7.5% | +16% / +71% |
| NTRSNorthern Trust Corporation | 31.0 bn | 13.2 | 18.4% | 28.8% | −2.5% | +30% / +116% |
| CFGCitizens Financial Group Inc | 26.8 bn | 12.6 | 8.9% | 25.4% | +5.6% | +18% / +134% |
| EWBCEast West Bancorp, Inc. | 17.7 bn | 12.4 | 16.6% | — | +4.4% | +21% / +105% |
| COLBColumbia Banking System, Inc. | 8.4 bn | 10.5 | 11.2% | 471.8% | +18.8% | +10% / +36% |
| UCBUnited Community Banks, Inc. | 4.4 bn | 31.1 | 4.1% | 17.8% | +11.7% | +21% / +50% |
| FBPFirst Bancorp | 4.0 bn | 10.9 | 19.5% | 29.0% | +2.4% | +31% / +73% |
| BOHBank Of Hawaii Corporation | 2.7 bn | 12.1 | 13.6% | 202.1% | −0.1% | +7% / +20% |
| SYBTStock Yards Bancorp, Inc. | 2.5 bn | 15.3 | 13.6% | — | +3.4% | +20% / +80% |
| OFGOFG Bancorp | 2.1 bn | 9.6 | 16.6% | — | unavailable | +28% / +51% |
| GABCGerman American Bancorp, Inc. | 1.9 bn | 13.3 | 12.5% | 28.2% | +37.8% | +27% / +75% |
| TCBKTriCo Bancshares | 1.7 bn | 12.6 | 10.4% | 249.7% | +4.1% | +9% / +52% |
| QCRHQcr Holdings, Inc. | 1.7 bn | 12.0 | 12.9% | — | +46.3% | +24% / +104% |
| LKFNLakeland Financial Corporation | 1.5 bn | 13.7 | 15.4% | — | −2.1% | +5% / +10% |
| TMPTompkins Financial Corp | 1.4 bn | 8.0 | 20.9% | 238.0% | −4.5% | +47% / +87% |
| MCBMetropolitan Bank Holding Corp. | 1.2 bn | 12.0 | 10.2% | 860.0% | −53.8% | +27% / +144% |
| BFSTBusiness First Bancshares, Inc. | 1.0 bn | 11.4 | 10.1% | 768.0% | +1.2% | +24% / +60% |
| WASHWashington Trust Bancorp Inc | 738.3 m | 11.6 | 12.0% | 26.4% | +127.6% | +36% / +45% |
| CIVBCivista Bancshares, Inc. | 583.3 m | 10.1 | 11.0% | 302.4% | −0.5% | +24% / +80% |
| BSRRSierra Bancorp | 544.1 m | 10.8 | 14.0% | — | unavailable | +35% / +124% |
| RBBRBB Bancorp | 434.7 m | 10.6 | 7.9% | 720.3% | −2.4% | +30% / +68% |
| PCBPcb Bancorp | 424.1 m | 10.1 | 10.8% | 1,323.5% | +4.5% | +39% / +95% |
1- and 3-year price returns: for TMP from daily closes (the same as the performance table), for the other companies from month-end closes.
olivLaw engine forecast
The world engine ran after the company's latest material disclosure. Probabilities are of TOUCHING a level within the horizon (not closing there) and sit next to the random walk (p_rw), the no-information benchmark.
The engine has no published run for this company yet.
Valuation scenarios (editable assumptions)
Illustrative scenarios
Illustrative: not forecasts and without probabilities. Each case is one coherent set of assumptions, computed on today's figures.
Estimated price (USD)
| Estimated price | Bear | Base | Bull |
|---|---|---|---|
| 1 years | 56.91 Total return -41% · Per year -41% | 100.80 Total return 4% · Per year 4% | 152.09 Total return 56% · Per year 56% |
| 3 years | 51.19 Total return -42% · Per year -16% | 102.40 Total return 12% · Per year 4% | 170.21 Total return 83% · Per year 22% |
| 5 years | 46.05 Total return -43% · Per year -11% | 104.03 Total return 21% · Per year 4% | 190.50 Total return 113% · Per year 16% |
- Exit P/E± 25.60
- Net margin± 17.92
- Annual revenue growth± 15.25
- Annual dilution± 1.51
AI analysis
AI-generatedAI-generated analysis (Claude) from cited public sources; it may contain errors. Not investment advice. As of 27 Oct 2026 · Model: claude-haiku-5-5.
Possibly outdated: the newest document it read is from 23 Oct 2026; since then the company filed 10-Q (30 Oct 2026).
In brief
Tompkins Financial Corporation is a locally oriented financial services company based in Ithaca, New York, offering commercial and consumer banking, leasing and wealth management through the Tompkins Financial Advisors brand. After selling its insurance subsidiary in October 2025, the company focused on banking and wealth management, and its net interest margin rose to 3.65% in the third quarter of 2026, supporting higher profit. The company trades on NYSE American under the symbol TMP.
SWOT
Strengths
- The company has a solid capital position and a high return on equity relative to its peer group, giving it financial flexibility 13.
- The local branch network and personal customer relationships are advantages that digital competitors find hard to replicate 1.
- Diversification into wealth management provides fee income that is steadier than interest income 2.
Weaknesses
- The high concentration of the loan book in commercial and real estate loans makes the company sensitive to falling collateral values 1.
- Noninterest income fell sharply after the insurance subsidiary sale, reducing revenue diversification 3.
- Reliance on limited geographic markets makes performance dependent on regional economic conditions 1.
Opportunities
Risks
- Concentration in commercial lendinghigh
A large part of the portfolio consists of commercial and commercial real estate loans, whose repayment depends on borrowers' cash flows 1.
- Interest rate riskhigh
Most assets and liabilities are interest-sensitive, and changes in Federal Reserve policy can affect net interest income 1.
- Agricultural portfolio riskmedium
Agricultural loans depend on weather, product prices and trade policy, factors outside the company's control 1.
- Watch-list loan qualitymedium
Special mention and substandard loans rose in the third quarter of 2026, and loss provisions increased from the prior quarter 3.
- Environmental and collateral risklow
The company may be exposed to environmental liabilities on properties it forecloses or holds as collateral, which could weaken its collateral position 1.
Investment thesis
What would need to be true (bull case)
What would break the thesis
- The high concentration in commercial and real estate loans could expose the company to losses if the local economy weakens 1.
- Noninterest income fell after the insurance subsidiary sale, leaving a less diversified revenue base 3.
- Fintech competition could limit the company's ability to keep deposit and loan margins high 1.
What to watch
- Trend in net interest margin and deposit costsQ4 2026
- Level of loss provisions and special mention and substandard loansQ4 2026
- Completion of the bank rename to Tompkins Bank & Trust and its effect on customers2027
- Next annual 10-K with updated risk factors and acquisition strategynext 10-K
Products, market & competition
AI-generatedAI-generated analysis (Claude) from cited public sources; it may contain errors. Not investment advice. As of 27 Oct 2026 · Model: claude-haiku-5-5.
Possibly outdated: the newest document it read is from 23 Oct 2026; since then the company filed 10-Q (30 Oct 2026).
The business
Tompkins Financial Corporation is a community-based financial services company registered as a financial holding company under the Bank Holding Company Act. Its main activity runs through its bank subsidiary, which operates 54 branches, 38 in New York and 16 in Pennsylvania, attracting deposits and originating commercial, agricultural, consumer, real estate loans and leases. Wealth management services such as investment management, trust and estate, and financial planning are offered under the Tompkins Financial Advisors name 1. Since October 31, 2025, the company no longer owns its insurance subsidiary TIA, which was sold to Arthur J. Gallagher 1.
The main revenue comes from interest income on loans and securities, while the principal expenses are interest on deposits and borrowings, operating costs and provisions for credit losses 1. At December 31, 2025, the bank had consolidated total assets of 8.7 billion USD and deposits of 7.1 billion USD 1. The strategy combines organic growth with possible acquisitions of culturally similar banks and branches 2.
In the second quarter of 2026 the bank was renamed Tompkins Bank & Trust, effective July 20, 2026 2. The company reports quarterly results, and its updates show steady growth in loans and deposits 3.
Segments
Banking
The banking segment attracts deposits and originates commercial, agricultural, consumer and real estate loans, with commercial and commercial real estate loans making up 73.9% of total loans at December 31, 2025 1. Beyond lending, it includes debit and credit cards, mobile banking and cash management services 2.
Market context
The bank's core market consists of local communities in New York, Pennsylvania and the Hudson Valley, some with rural economies, and competition in these areas is intense 1. The company competes in the segment of banks with 3 to 10 billion USD in assets, for which the Federal Reserve publishes comparative data 2. Growth depends on local economic conditions, loan pricing and deposit costs 1.
For banks of this size, net interest margin and asset quality are the main comparison metrics. Tompkins reported a return on equity of 20.61% in 2025, compared with a peer reference of 10.64% 1.
Trends
- Rising interest margintailwind
Net interest margin rose to 3.65% in the third quarter of 2026, supported by higher asset yields and growth in average loans 3. If pressure on deposit costs stays moderate, the margin could sustain this trend.
- Fintech and digital competitionheadwind
The company faces growing competition from fintech firms and digital platforms that can offer bank-like products without the same regulation 1. This pressure could affect deposit and loan pricing.
- Commercial and agricultural credit riskheadwind
Commercial and commercial real estate loans form a major concentration, and the agricultural book is exposed to weather and trade policy 1. If the local economy weakens, loss provisions could rise, as the increase in the third quarter of 2026 shows 3.
- Effect of the TIA salemixed
The sale of the insurance subsidiary produced a pre-tax gain but reduced insurance revenue and related expenses 13. The net effect on noninterest income is negative in the short term, though lower operating costs can support future results 3.
Competitive position
Tompkins competes with commercial banks, savings and loan associations, credit unions, finance companies, brokers and fintech companies, some with greater resources 1. The company argues that a model built on personal relationships and quick lending decisions makes it competitive 2.
Competitors are mainly regional and community banks in the same geographic areas, along with digital platforms offering branchless banking 12. The company differentiates itself through personalized service and wealth management 1.
- Regional commercial banks in New York and Pennsylvania
Compete directly for deposits and commercial loans in the company's operating areas 1.
- Savings and loan associations
Compete for mortgage and retail deposits in the same territory 1.
- Credit unions
Offer deposits and consumer loans on competitive terms to local customers 1.
- Fintech companies and digital platforms
Offer bank-like products without the same supervision, cited as rising pressure 1.
Links, dependencies and risks
Who the company is tied to, from its own SEC filings (customers, suppliers, production, partners, competitors, countries, regulation), from the 5 %+ holders' statements (13D/13G) and from what other companies say about it. Click a node for its evidence; on a listed company the graph moves to it.
Loading the links…
News & filings
In the press
- Tompkins Logistics Officially UnveilsYahoo Finance — News · 16 Sept 2026 · EN
The latest news item in our archive is from 16 Sept 2026; the newest SEC filing is from 30 Oct 2026. The press archive comes from the RSS feeds we follow and does not necessarily cover the latest event — the filings alongside do.
SEC filings
- Quarterly report30 Oct 2026
- Current report23 Oct 2026Results of operations · Other events · Financial statements and exhibits
- Quarterly report31 Jul 2026
- Current report28 Jul 2026Regulation FD disclosure · Financial statements and exhibits
- Current report24 Jul 2026Results of operations · Other events · Financial statements and exhibits
- Current report26 May 2026Shareholder vote
- Current report19 May 2026Regulation FD disclosure · Financial statements and exhibits
- Quarterly report05 May 2026
- Current report27 Apr 2026Departure or appointment of officers
- Current report24 Apr 2026Results of operations · Other events · Financial statements and exhibits
Sources
- [1] Form 10-K, fiscal year ended 2025-12-31 · SEC / Tompkins Financial Corporation · 26 Feb 2026
- [2] Form 10-Q, quarter ended 2026-06-30 · SEC / Tompkins Financial Corporation · 31 Jul 2026
- [3] Form 8-K, results release (exhibit 99.1) · SEC / Tompkins Financial Corporation · 23 Oct 2026
Figures computed by olivLaw from SEC filings and closing prices; the qualitative analysis is AI-generated from cited sources. Not investment advice.