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Tompkins Financial Corporation (TMP)
Performance
Return for Risk
Dividends
Drawdowns
Volatility
Financials

Company Info

ISIN
US8901101092
CUSIP
890110109
IPO Date
Mar 28, 1990

Highlights

EPS (TTM)
$16.86
PE Ratio
4.68
PEG Ratio
0.03
Total Revenue (TTM)
$453.18M
Gross Profit (TTM)
$241.22M
EBITDA (TTM)
$87.23M
Year Range
$54.16 - $86.95
Target Price
$74.00
ROA (TTM)
1.86%
ROE (TTM)
17.16%

Share Price Chart


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Tompkins Financial Corporation

Often compared with TMP:
TMP vs. BHB

Performance

Performance Chart

The chart shows the growth of an initial investment of $10,000 in Tompkins Financial Corporation, comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends.


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S&P 500 Index

Returns By Period

Tompkins Financial Corporation (TMP) has returned 9.59% so far this year and 30.00% over the past 12 months. Over the last ten years, TMP has returned 5.22% per year, falling short of the S&P 500 Index benchmark, which averaged 12.16% annually.


Tompkins Financial Corporation

1D
2.44%
1M
2.78%
YTD
9.59%
6M
21.21%
1Y
30.00%
3Y*
10.44%
5Y*
2.74%
10Y*
5.22%

Benchmark (S&P 500 Index)

1D
2.91%
1M
-5.09%
YTD
-4.63%
6M
-2.39%
1Y
16.33%
3Y*
16.69%
5Y*
10.18%
10Y*
12.16%
*Multi-year figures are annualized to reflect compound growth (CAGR)

Monthly Returns

Based on dividend-adjusted daily data since Mar 28, 1990, TMP's average daily return is +0.07%, while the average monthly return is +0.97%. At this rate, your investment would double in approximately 6.0 years.

Historically, 55% of months were positive and 45% were negative. The best month was Nov 1996 with a return of +31.4%, while the worst month was Mar 1998 at -26.0%. The longest winning streak lasted 7 consecutive months, and the longest losing streak was 6 months.

On a daily basis, TMP closed higher 43% of trading days. The best single day was Mar 10, 2009 with a return of +19.0%, while the worst single day was Mar 16, 1998 at -31.3%.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
202610.48%-3.48%2.78%9.59%
20253.30%-0.81%-8.58%-5.37%4.05%2.17%3.11%9.53%-5.60%-4.15%9.97%4.93%11.11%
2024-18.00%-1.27%4.42%-12.55%8.06%4.24%28.71%-1.48%-5.79%11.68%19.25%-11.11%17.77%
2023-2.90%0.05%-11.47%-11.46%-9.80%6.50%9.08%-13.68%-5.66%2.22%6.95%13.71%-19.23%
2022-4.81%0.13%-1.05%-6.73%5.21%-5.39%7.00%-6.45%1.37%14.07%1.57%-7.13%-4.40%
2021-5.28%16.50%6.94%-5.50%4.54%-4.42%-1.04%4.44%1.66%1.48%-4.15%6.93%21.77%

Benchmark Metrics

Tompkins Financial Corporation has an annualized alpha of 9.61%, beta of 0.75, and R² of 0.12 versus S&P 500 Index. Calculated based on daily prices since March 29, 1990.

  • This stock participates in less of S&P 500 Index's moves in both directions, but captures a larger share of gains (58.13%) than losses (45.80%) — typical of diversified or defensive assets.
  • R² of 0.12 means this stock moves largely independently of S&P 500 Index — capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.

Alpha
9.61%
Beta
0.75
0.12
Upside Capture
58.13%
Downside Capture
45.80%

Return for Risk

Risk / Return Rank

TMP ranks 72 for risk / return — better than 72% of stocks on our site. You're getting solid returns for the risk taken. A good sign, especially for investors who want growth without excessive volatility.


TMP Risk / Return Rank: 7272
Overall Rank
TMP Sharpe Ratio Rank: 7373
Sharpe Ratio Rank
TMP Sortino Ratio Rank: 6666
Sortino Ratio Rank
TMP Omega Ratio Rank: 6666
Omega Ratio Rank
TMP Calmar Ratio Rank: 7979
Calmar Ratio Rank
TMP Martin Ratio Rank: 7676
Martin Ratio Rank
The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

Return / Risk — by metrics

The table below present risk-adjusted performance metrics for Tompkins Financial Corporation (TMP) and compare them to a chosen benchmark (S&P 500 Index).


TMPBenchmarkDifference

Sharpe ratio

Return per unit of total volatility

0.96

0.90

+0.06

Sortino ratio

Return per unit of downside risk

1.48

1.39

+0.09

Omega ratio

Gain probability vs. loss probability

1.19

1.21

-0.02

Calmar ratio

Return relative to maximum drawdown

2.26

1.40

+0.86

Martin ratio

Return relative to average drawdown

4.98

6.61

-1.62

Explore TMP risk-adjusted metrics in detail

Dive deeper into individual metrics with historical trends, benchmark comparisons, and performance across different time periods.

Dividends

Dividend History

Tompkins Financial Corporation provided a 3.25% dividend yield over the last twelve months, with an annual payout of $2.56 per share. The company has been increasing its dividends for 27 consecutive years, earning it the status of a dividend aristocrat.


2.00%2.50%3.00%3.50%4.00%$0.00$0.50$1.00$1.50$2.00$2.5020152016201720182019202020212022202320242025
Dividends
Dividend Yield
PeriodTTM20252024202320222021202020192018201720162015
Dividend$2.56$2.51$2.44$2.40$2.31$2.19$2.10$2.02$1.94$1.82$1.77$1.70

Dividend yield

3.25%3.46%3.60%3.98%2.98%2.62%2.97%2.21%2.59%2.24%1.87%3.03%

Monthly Dividends

The table displays the monthly dividend distributions for Tompkins Financial Corporation. The dividends shown in the table have been adjusted to account for any splits that may have occurred.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
2026$0.00$0.67$0.00$0.67
2025$0.00$0.62$0.00$0.00$0.62$0.00$0.00$0.62$0.00$0.00$0.65$0.00$2.51
2024$0.00$0.60$0.00$0.00$0.61$0.00$0.00$0.61$0.00$0.00$0.62$0.00$2.44
2023$0.00$0.60$0.00$0.00$0.60$0.00$0.60$0.00$0.00$0.00$0.60$0.00$2.40
2022$0.00$0.57$0.00$0.00$0.57$0.00$0.00$0.57$0.00$0.00$0.60$0.00$2.31
2021$0.00$0.54$0.00$0.00$0.54$0.00$0.00$0.54$0.00$0.00$0.57$0.00$2.19

Dividend Yield & Payout


Dividend Yield

Tompkins Financial Corporation has a dividend yield of 3.25%, which is quite average when compared to the overall market.

Payout Ratio

Tompkins Financial Corporation has a payout ratio of 22.14%, which is below the market average. This means Tompkins Financial Corporation returns a smaller proportion of its earnings to shareholders as dividends, suggesting it retains a higher portion for reinvestment, growth, or debt payment.

Drawdowns

Drawdowns Chart

The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.


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Worst Drawdowns

The table below displays the maximum drawdowns of the Tompkins Financial Corporation. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.

The maximum drawdown for the Tompkins Financial Corporation was 49.17%, occurring on Mar 13, 2000. Recovery took 483 trading sessions.

The current Tompkins Financial Corporation drawdown is 6.84%.


Depth

Start

To Bottom

Bottom

To Recover

End

Total

-49.17%Mar 16, 1998504Mar 13, 2000483Feb 15, 2002987
-47.82%Mar 15, 2021779Apr 17, 2024441Jan 21, 20261220
-44.8%Dec 31, 200845Mar 6, 20091090Jul 5, 20131135
-39.71%Jan 17, 2020188Oct 14, 202098Mar 8, 2021286
-37.69%Oct 31, 2006190Aug 3, 2007156Mar 18, 2008346

Volatility

Volatility Chart

The chart below shows the rolling one-month volatility.


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Financials

Financial Performance

The chart below illustrates the trends in the financial health of Tompkins Financial Corporation over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.


Annual
Quarterly

0.0

Valuation

The Valuation section provides an overview of how Tompkins Financial Corporation is priced in the market compared to other companies in the Banks - Regional industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.


PE Ratio

The chart displays the Price-to-Earnings (P/E) ratio for TMP, comparing it with other companies in the Banks - Regional industry. Currently, TMP has a P/E ratio of 4.7. This P/E ratio is considered low compared to industry peers, which may suggest that the stock is undervalued or that the company has weaker growth prospects.

PEG Ratio

The chart shows the Price/Earnings to Growth (PEG) ratio for TMP compared to other companies in the Banks - Regional industry. TMP currently has a PEG ratio of 0.0. This PEG ratio is low compared to industry peers, which could indicate the stock is undervalued relative to its expected growth.

PS Ratio

This chart shows the Price-to-Sales (P/S) ratio for TMP relative to other companies in the Banks - Regional industry. Currently, TMP has a P/S ratio of 1.7. This P/S ratio falls within the average range for the industry, suggesting the stock is fairly valued based on its revenue.

Income Statement



TTM
Revenue

Total Revenue

Cost Of Revenue

Gross Profit

Operating Expenses

Selling, General & Admin Expenses

R&D Expenses

Depreciation And Amortization

Total Operating Expenses

Income

Income Before Tax

Operating Income

EBITDA

EBIT

Earnings From Continuing Operations

Net Income

Income Tax Expense

Other Non-Operating Income (Expenses)

Extraordinary Items

Discontinued Operations

Effect Of Accounting Charges

Non Recurring

Minority Interest

Other Items

Interest Income

Interest Expense

Net Interest Income

Values in undefined except per share items