Key Drivers
- High profitability
- Low valuation
- Cash-flow risk
AIAI Summary
TMP should be viewed primarily as a value/income regional bank—not a high‑growth franchise—where the investment case depends on sustaining dividend payouts and capital stability, so investors should monitor quarter‑to‑quarter cash‑flow swings, deposit runoff/loan‑loss provisioning and the technical break below ~$73.6 (or recovery above ~$77) as decisive signals to reassess downside or upside.
Price Chart
Financial Metrics
Deep Analysis
Research tool. Not personalized advice.
Fundamental Analysis
Key Financial Insights:
- •High profitability
- •Low valuation
- •Cash-flow risk
TMP shows strong reported profitability and low valuation (P/E ~7, EV/EBIT ~7) with a sustainable dividend but meaningful leverage, limited cash vs. debt, and a recent negative quarterly FCF that raises cash-conversion risk.
Price Behavior
Key Price Behavior Insights:
- •Below last month
- •Near-term compression
- •Lower highs
TMP is trading below its last month average (~$76.63) after an ~11% drop from $83.00 to $73.93, compressing near support and risking further retests unless it reclaims ~$76.6–78 to negate short‑term bearish momentum.
~11% decline from $83.00 to $73.93 signals accelerated short-term selling
Sentiment & News
Key News Insights:
- •Planned succession
- •Experienced hire
- •No guidance change
Tompkins Financial named Phillip M. Quintana president‑elect of Tompkins Community Bank effective immediately, signaling a long‑lead, orderly succession ahead of John McKenna's July 2026 retirement and maintaining operational/financial status quo.
The orderly transition should bolster investor confidence and help minimize near‑term stock volatility
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