Tompkins Financial Net Income
| TMP Stock | USD 82.78 1.03 1.23% |
As of the 19th of February, Tompkins Financial has the Semi Deviation of 1.21, risk adjusted performance of 0.1545, and Coefficient Of Variation of 531.26. In relation to fundamental indicators, the technical analysis model makes it possible for you to check existing technical drivers of Tompkins Financial, as well as the relationship between them.
Tompkins Financial Total Revenue |
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Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 6.7799 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 81.5 M | 85.6 M | |
| Net Income Applicable To Common Shares | 161.1 M | 169.1 M | |
| Net Income From Continuing Ops | 81.6 M | 66.2 M | |
| Net Income Per Share | 11.30 | 11.87 | |
| Net Income Per E B T | 0.72 | 0.55 |
Tompkins | Net Income | Build AI portfolio with Tompkins Stock |
Evaluating Tompkins Financial's Net Income across multiple reporting periods reveals the company's ability to sustain growth and manage resources effectively. This longitudinal analysis highlights inflection points, cyclical patterns, and structural changes that short-term snapshots might miss, offering deeper insight into Tompkins Financial's fundamental strength.
Latest Tompkins Financial's Net Income Growth Pattern
Below is the plot of the Net Income of Tompkins Financial over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in Tompkins Financial financial statement analysis. It represents the amount of money remaining after all of Tompkins Financial operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is Tompkins Financial's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in Tompkins Financial's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 70.85 M | 10 Years Trend |
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Net Income |
| Timeline |
Tompkins Net Income Regression Statistics
| Arithmetic Mean | 68,800,856 | |
| Geometric Mean | 51,544,637 | |
| Coefficient Of Variation | 64.07 | |
| Mean Deviation | 31,358,436 | |
| Median | 59,340,000 | |
| Standard Deviation | 44,077,828 | |
| Sample Variance | 1942.9T | |
| Range | 165.8M | |
| R-Value | 0.71 | |
| Mean Square Error | 1029T | |
| R-Squared | 0.50 | |
| Significance | 0 | |
| Slope | 6,193,628 | |
| Total Sum of Squares | 31085.7T |
Tompkins Net Income History
Other Fundumenentals of Tompkins Financial
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
Tompkins Financial Net Income component correlations
Tompkins Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for Tompkins Financial is extremely important. It helps to project a fair market value of Tompkins Stock properly, considering its historical fundamentals such as Net Income. Since Tompkins Financial's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Tompkins Financial's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Tompkins Financial's interrelated accounts and indicators.
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Can Regional Banks industry sustain growth momentum? Does Tompkins have expansion opportunities? Factors like these will boost the valuation of Tompkins Financial. If investors know Tompkins will grow in the future, the company's valuation will be higher. Determining accurate worth demands scrutiny of both present operating results and projected expansion capacity. Evaluating Tompkins Financial demands reviewing these metrics collectively while recognizing certain factors exert disproportionate influence.
Quarterly Earnings Growth 3.857 | Dividend Share 2.51 | Earnings Share 11.24 | Revenue Per Share | Quarterly Revenue Growth 1.561 |
Tompkins Financial's market price often diverges from its book value, the accounting figure shown on Tompkins's balance sheet. Smart investors calculate Tompkins Financial's intrinsic value - its true economic worth - which may differ significantly from both market price and book value. Market participants employ diverse analytical approaches to determine fair value and identify buying opportunities when prices dip below calculated worth. Since Tompkins Financial's trading price responds to investor sentiment, macroeconomic conditions, and market psychology, it can swing far from fundamental value.
Please note, there is a significant difference between Tompkins Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Tompkins Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Tompkins Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.
Tompkins Financial 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to Tompkins Financial's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of Tompkins Financial.
| 11/21/2025 |
| 02/19/2026 |
If you would invest 0.00 in Tompkins Financial on November 21, 2025 and sell it all today you would earn a total of 0.00 from holding Tompkins Financial or generate 0.0% return on investment in Tompkins Financial over 90 days. Tompkins Financial is related to or competes with FirstSun Capital, Old Second, Burke Herbert, Texas Capital, Peoples Bancorp, First Mid, and Southside Bancshares. Tompkins Financial Corporation, a financial holding company, provides commercial and consumer banking, leasing, trust an... More
Tompkins Financial Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure Tompkins Financial's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess Tompkins Financial upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.49 | |||
| Information Ratio | 0.1616 | |||
| Maximum Drawdown | 10.36 | |||
| Value At Risk | (2.17) | |||
| Potential Upside | 3.68 |
Tompkins Financial Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for Tompkins Financial's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as Tompkins Financial's standard deviation. In reality, there are many statistical measures that can use Tompkins Financial historical prices to predict the future Tompkins Financial's volatility.| Risk Adjusted Performance | 0.1545 | |||
| Jensen Alpha | 0.2922 | |||
| Total Risk Alpha | 0.2391 | |||
| Sortino Ratio | 0.1907 | |||
| Treynor Ratio | 0.4166 |
Tompkins Financial February 19, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.1545 | |||
| Market Risk Adjusted Performance | 0.4266 | |||
| Mean Deviation | 1.28 | |||
| Semi Deviation | 1.21 | |||
| Downside Deviation | 1.49 | |||
| Coefficient Of Variation | 531.26 | |||
| Standard Deviation | 1.76 | |||
| Variance | 3.08 | |||
| Information Ratio | 0.1616 | |||
| Jensen Alpha | 0.2922 | |||
| Total Risk Alpha | 0.2391 | |||
| Sortino Ratio | 0.1907 | |||
| Treynor Ratio | 0.4166 | |||
| Maximum Drawdown | 10.36 | |||
| Value At Risk | (2.17) | |||
| Potential Upside | 3.68 | |||
| Downside Variance | 2.21 | |||
| Semi Variance | 1.47 | |||
| Expected Short fall | (1.56) | |||
| Skewness | 0.2602 | |||
| Kurtosis | 1.64 |
Tompkins Financial Backtested Returns
Tompkins Financial appears to be very steady, given 3 months investment horizon. Tompkins Financial owns Efficiency Ratio (i.e., Sharpe Ratio) of 0.21, which indicates the firm had a 0.21 % return per unit of risk over the last 3 months. We have found thirty technical indicators for Tompkins Financial, which you can use to evaluate the volatility of the company. Please review Tompkins Financial's Coefficient Of Variation of 531.26, risk adjusted performance of 0.1545, and Semi Deviation of 1.21 to confirm if our risk estimates are consistent with your expectations. On a scale of 0 to 100, Tompkins Financial holds a performance score of 16. The entity has a beta of 0.77, which indicates possible diversification benefits within a given portfolio. As returns on the market increase, Tompkins Financial's returns are expected to increase less than the market. However, during the bear market, the loss of holding Tompkins Financial is expected to be smaller as well. Please check Tompkins Financial's value at risk, as well as the relationship between the kurtosis and market facilitation index , to make a quick decision on whether Tompkins Financial's existing price patterns will revert.
Auto-correlation | 0.48 |
Average predictability
Tompkins Financial has average predictability. Overlapping area represents the amount of predictability between Tompkins Financial time series from 21st of November 2025 to 5th of January 2026 and 5th of January 2026 to 19th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of Tompkins Financial price movement. The serial correlation of 0.48 indicates that about 48.0% of current Tompkins Financial price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.48 | |
| Spearman Rank Test | 0.56 | |
| Residual Average | 0.0 | |
| Price Variance | 18.36 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
Tompkins Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, Tompkins Financial reported net income of 70.85 M. This is 94.45% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 87.59% higher than that of the company.
Tompkins Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Tompkins Financial's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Tompkins Financial could also be used in its relative valuation, which is a method of valuing Tompkins Financial by comparing valuation metrics of similar companies.Tompkins Financial is currently under evaluation in net income category among its peers.
Tompkins Financial Current Valuation Drivers
We derive many important indicators used in calculating different scores of Tompkins Financial from analyzing Tompkins Financial's financial statements. These drivers represent accounts that assess Tompkins Financial's ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of Tompkins Financial's important valuation drivers and their relationship over time.
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 (projected) | ||
| Market Cap | 1.2B | 1.1B | 858.6M | 964.4M | 1.0B | 1.1B | |
| Enterprise Value | 1.3B | 1.4B | 1.4B | 1.6B | 1.6B | 1.7B |
Tompkins Financial ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Tompkins Financial's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Tompkins Financial's managers, analysts, and investors.Environmental | Governance | Social |
Tompkins Fundamentals
| Return On Equity | 0.2 | ||||
| Return On Asset | 0.0192 | ||||
| Profit Margin | 0.37 % | ||||
| Operating Margin | 0.72 % | ||||
| Current Valuation | 1.73 B | ||||
| Shares Outstanding | 14.35 M | ||||
| Shares Owned By Insiders | 7.69 % | ||||
| Shares Owned By Institutions | 68.02 % | ||||
| Number Of Shares Shorted | 109.04 K | ||||
| Price To Earning | 13.07 X | ||||
| Price To Book | 1.27 X | ||||
| Price To Sales | 2.78 X | ||||
| Revenue | 578.94 M | ||||
| Gross Profit | 435.07 M | ||||
| EBITDA | 224.86 M | ||||
| Net Income | 70.85 M | ||||
| Cash And Equivalents | 80.39 M | ||||
| Cash Per Share | 5.55 X | ||||
| Total Debt | 660.01 M | ||||
| Debt To Equity | 10.05 % | ||||
| Book Value Per Share | 65.41 X | ||||
| Cash Flow From Operations | 94.97 M | ||||
| Short Ratio | 2.21 X | ||||
| Earnings Per Share | 11.24 X | ||||
| Price To Earnings To Growth | 2.46 X | ||||
| Target Price | 84.5 | ||||
| Number Of Employees | 941 | ||||
| Beta | 0.76 | ||||
| Market Capitalization | 1.21 B | ||||
| Total Asset | 8.67 B | ||||
| Retained Earnings | 662.16 M | ||||
| Annual Yield | 0.03 % | ||||
| Five Year Return | 2.58 % | ||||
| Net Asset | 8.67 B | ||||
| Last Dividend Paid | 2.51 |
About Tompkins Financial Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Tompkins Financial's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Tompkins Financial using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Tompkins Financial based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
Pair Trading with Tompkins Financial
One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if Tompkins Financial position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in Tompkins Financial will appreciate offsetting losses from the drop in the long position's value.Moving together with Tompkins Stock
| 0.9 | BNPH | BNP PARIBAS ADR | PairCorr |
| 0.66 | BIRG | Bank of Ireland | PairCorr |
| 0.92 | AX | Axos Financial | PairCorr |
| 0.98 | BY | Byline Bancorp | PairCorr |
Moving against Tompkins Stock
| 0.72 | 3YB | Postal Savings Bank | PairCorr |
| 0.37 | ICBA | ICICI Bank Limited | PairCorr |
| 0.32 | C3B | Chongqing Rural Comm | PairCorr |
The ability to find closely correlated positions to Tompkins Financial could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace Tompkins Financial when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back Tompkins Financial - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling Tompkins Financial to buy it.
The correlation of Tompkins Financial is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as Tompkins Financial moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if Tompkins Financial moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for Tompkins Financial can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.Additional Tools for Tompkins Stock Analysis
When running Tompkins Financial's price analysis, check to measure Tompkins Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Tompkins Financial is operating at the current time. Most of Tompkins Financial's value examination focuses on studying past and present price action to predict the probability of Tompkins Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Tompkins Financial's price. Additionally, you may evaluate how the addition of Tompkins Financial to your portfolios can decrease your overall portfolio volatility.