Tompkins Financial (TMP)
Community banking and integrated wealth management across New York and Pennsylvania.
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Provides community banking through Tompkins Bank & Trust and wealth management through Tompkins Financial Advisors, earning chiefly from lending-deposit spreads plus fees for managing assets and trusts. Operations remain concentrated in New York and Pennsylvania following the insurance-business sale.
Operates Tompkins Bank & Trust, a community bank across Central, Western, and Hudson Valley New York and southeastern Pennsylvania, offering commercial, agricultural, consumer, residential and commercial real-estate, construction, and lease financing alongside deposits, cards, cash management, and digital banking.
Pairs banking with Tompkins Financial Advisors, which provides investment management, trust and estate services, financial and tax planning, and related advisory work. Revenue relies largely on lending-deposit spreads, with recurring wealth fees tied to managed or custody asset values.
Uses local decision-making and relationship-based service across branch and digital channels. Operations depend on regional credit and real-estate conditions, funding and interest-rate dynamics, regulatory oversight, third-party technology, and retaining relationship managers and specialized advisors.
Company facts
Target rangeAs of Sep 22, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Aug 3, 2026 | Piper Sandler | Reiterate | Rating: —Target: — | Target: $104 |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $71.7M · Total debt $728.1M · Total assets $8.80B · Shareholders' equity $959.9M
- Revenue
- $26.6M
- Operating income
- −$34.5M
- Net income
- $29.3M
HistoryDividendAnnual yield
| Institutions | ≈ 70.96% | 10.21M shares | |
|---|---|---|---|
| 224 holders · as of Jun 30, 2026 · largest filers plus last quarter's tail | |||
| Insiders | 0.19% | 26.7K shares | |
| 2 holders · as of Sep 4, 2026 | |||
| Other | ≈ 28.85% | 4.15M shares | |
| remainder | |||
14.38M company shares as of Sep 23, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
This quarter's institutional total failed a plausibility check; shown: the largest filers plus last quarter's remainder.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
BlackRock, Inc.Institution | 14.25% | 2.05M | as of Jun 30, 2026 |
Tompkins Trust Company EINInstitution | 9.42% | 1.35M | filed Feb 11, 2020 |
Tompkins Trust CompanyInstitution | 8.63% | 1.24M | filed Feb 11, 2022 |
State Street CorpInstitution | 8.40% | 1.21M | as of Jun 30, 2026 |
Tompkins Community BankInstitution | 8.24% | 1.18M | filed Feb 10, 2023 |
Insider tradesForm 4
No open-market trades in the last 12 months.
- M&T Bank
Full-service bank rival across New York and Pennsylvania.
- NBT Bancorp
Closest regional overlap in community banking and wealth services.
- Community Financial System
Upstate New York community-bank rival with wealth services.
- Citizens Financial Group
Large Pennsylvania banking and private-wealth alternative.
- Fulton Financial
Southeastern Pennsylvania community-bank and advisory rival.
- SoFi
Digital alternative for deposits, consumer loans, and investing.
Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Tompkins Financial | $97.66 | −0.16% | $1.41B | 8.0 | 12.2 | 2.9 | +5.4% |
| M&T Bank | $220.96 | −1.10% | $32.38B | 11.8 | 11.1 | 2.6 | +5.7% |
| NBT Bancorp | $50.65 | −0.39% | $2.64B | 12.5 | 11.6 | 2.8 | +9.4% |
| Community Financial System | $61.03 | −0.18% | $3.21B | 14.2 | 12.6 | 3.1 | +9.6% |
| Citizens Financial Group | $65.26 | −0.36% | $27.69B | 14.2 | 11.1 | 2.4 | +12.1% |
| Fulton Financial | $22.92 | −0.43% | $4.40B | 11.0 | 10.4 | 2.3 | +13.5% |
| SoFi | $16.90 | −1.54% | $22.01B | 35.7 | 23.1 | 3.9 | +41.0% |
| Median | 13.3 | 11.3 | 2.7 | +10.9% |