Tompkins Financial Corporation

Tompkins Financial Corporation

TMPยทAMEX

$83.50

-3.0%
Financial ServicesBanks - Regional

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 in three segments: Banking, Insurance, and Wealth Management. It accepts various deposit products, including checking accounts, savings accounts, time deposits, and IRA products, as well as brokered, reciprocal, and municipal money market deposits. 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; residential real estate loans; home equity loans; commercial and industrial loans; commercial real estate loans; agriculture loans; and consumer loans, such as personal installment loans, direct and indirect automobile financing, and overdraft lines of credit. In addition, it provides letters of credit and sweep accounts; credit and debit cards; and deposit and cash management, internet-based account, remote deposit, safe deposit, voice response, ATM, and mobile and internet banking services. Further, the company offers investment management, trust and estate, and financial and tax planning services; property and casualty, medical, 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. The company operates through a network of 63 banking offices, including 43 offices in New York and 20 offices in Pennsylvania. Tompkins Financial Corporation was founded in 1836 and is headquartered in Ithaca, New York.

At a Glance

Live Snapshot
Market Cap$1.20B
EPS11.3000
P/E Ratio7.39
Earnings Date07/24/2026
Tompkins Financial Corporation

Tompkins Financial Corporation Fair Value Envelope

TMP ยท AMEX

Our analysis suggests that TMP has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $83.5, this represents a potential HIDDEN relative to our calculated worth for Tompkins Financial Corporation.

Intrinsic Value
Current Price: $83.5

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$32.6M
+ Cash & Equivalents$132.8M
Firm Value$165.4M
- Debt$660.0M
Equity Value-$494.6M
/ Shares Outstanding14,431,762B
DCF Value-$34
OVERVALUED BY 141%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$19.4M
$9.7M
$4.9M
$2.4M
$1.2M
$607.3K
$303.7K
$151.8K
$75.9K
$38.0K
Maintenance CapEx
-$692.1K
-$346.1K
-$173.0K
-$86.5K
-$43.3K
-$21.6K
-$10.8K
-$5.4K
-$2.7K
-$1.4K
Owner Earnings
$18.7M
$9.4M
$4.7M
$2.3M
$1.2M
$585.7K
$292.9K
$146.4K
$73.2K
$36.6K
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$17.4M
$8.0M
$3.7M
$1.7M
$797.3K
$369.1K
$170.9K
$79.1K
$36.6K
$17.0K
Terminal Value represents 0.9% of Enterprise Value