TMP
Tompkins Financial Corporation
NYSE AmericanUSDEQUITY
Financial Services
DELAYED
Buy
+35/100
Last price
97.81
▼ 0.12 (0.12%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
Drag pan · Pinch zoom · Hold crosshair · pick a tool then drag to draw
Open
98.35
Prev close
97.93
Day high
99.06
Day low
97.54
Volume
49.78K
Market cap
$1.41B
P/E (TTM)
8.00
52W range
61.88 – 102.59
Day trading desk
Gap from prior close
+0.43%
Prior close 97.93
VWAP
98.03
-0.22% from price
Relative volume
0.81×
Normal
Session range
2.11%
97.01 – 99.06
Position in range
39%
Mid range
ATR (14D)
2.40
2.45% of price
Prior day high
99.28
PDH
Prior day low
97.60
PDL
Bid / ask spread
—
Quote not published
Session volume
85.92K
Avg 106.01K
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
+0.88%
-1.1%
1M
-1.77%
-2.9%
3M
+7.38%
+2.9%
6M
+20.74%
+2.6%
YTD
+34.87%
+20.6%
1Y
+49.47%
+33.0%
3Y
+99.65%
+17.4%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on TMP open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
0
Net selling
Buy transactions
0
0 shares
Sell transactions
0
—
Net transactions
0
Buys less sells
Sell : buy shares
—
Not enough filings
Insider-held shares
934.17K
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Oct 1, 26 | LEE ANGELA B Director |
STOCK | 216 | $20.95K | Direct |
| Oct 1, 26 | FESSENDEN DANIEL J Director |
STOCK | 128 | $12.42K | Direct |
| Sep 2, 26 | FONTAINE ALYSSA H General Counsel |
CONVERSION | 802 | $61.67K | Direct |
| Aug 7, 26 | MCKENNA JOHN M Officer |
CONVERSION | 802 | $61.67K | Direct |
| Aug 4, 26 | KERSHAW DAVID Officer |
CONVERSION | 260 | $19.99K | Direct |
| Jul 28, 26 | ROMAINE STEPHEN S Chief Executive Officer |
CONVERSION | 1.73K | $133.34K | Direct |
| Jul 27, 26 | TORCELLO DIANE D Officer |
CONVERSION | 250 | $19.23K | Direct |
| Jul 1, 26 | LEE ANGELA B Director |
STOCK | 219 | $21.01K | Direct |
| Jul 1, 26 | JOHNSON PATRICIA A Director |
STOCK | 189 | $18.13K | Direct |
| Jul 1, 26 | FESSENDEN DANIEL J Director |
STOCK | 130 | $12.47K | Direct |
| May 26, 26 | RAHILLY ITA M Director |
BUY | 1.16K | $100.00K | Direct |
| May 18, 26 | MCKENNA JOHN M Officer |
STOCK | 730 | $0 | Direct |
| May 18, 26 | FONTAINE ALYSSA H General Counsel |
STOCK | 730 | $0 | Direct |
| May 18, 26 | KUNKEL GINGER G. Officer |
STOCK | 730 | $0 | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
BOYCE DAVID S |
Officer | 29.37K | Stock Award(Grant) |
DEMILIA DAVID M |
Officer | 9.53K | Stock Award(Grant) |
FONTAINE ALYSSA H |
General Counsel | 11.13K | Conversion of Exercise of derivative security |
KERSHAW DAVID |
Officer | 8.91K | Conversion of Exercise of derivative security |
MCKENNA JOHN M |
Officer | 19.14K | Conversion of Exercise of derivative security |
RAHILLY ITA M |
Director | 11.85K | Purchase |
ROCHON THOMAS R |
Director | 13.35K | Conversion of Exercise of derivative security |
ROMAINE STEPHEN S |
Chief Executive Officer | 87.97K | Conversion of Exercise of derivative security |
SPAIN MICHAEL H |
Director | 139.41K | Conversion of Exercise of derivative security |
TORCELLO DIANE D |
Officer | 9.21K | Conversion of Exercise of derivative security |
Fundamentals
Market cap$1.41B
Enterprise value$1.99B
Revenue (TTM)$446.61M
Gross profit$446.61M
EBITDA—
Net income$175.30M
EPS (TTM)$12.22
Free cash flow—
Total cash$150.00M
Total debt$730.57M
Book value / share$67.04
Shares outstanding14.38M
Float13.06M
Short % of float2.74%
Dividend yield2.86%
Beta (5Y)0.74
Valuation & profitability ratios
Trailing P/E8.00
Forward P/E11.76
PEG ratio1.61
Price / sales—
Price / book1.46
EV / revenue4.45
EV / EBITDA—
Gross margin0.00%
Operating margin45.03%
Profit margin39.25%
Return on equity20.36%
Return on assets2.04%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $254.07M | $295.18M | $215.52M | $303.69M | -13.9% |
| Operating revenue | $254.07M | $295.18M | $215.52M | $303.69M | -13.9% |
| Selling, general & admin | $146.29M | $137.58M | $134.26M | $131.74M | +6.3% |
| Pre-tax income | $224.86M | $92.98M | $12.12M | $109.71M | +141.8% |
| Tax provision | $63.78M | $22.00M | $2.50M | $24.56M | +189.9% |
| Net income | $161.07M | $70.85M | $9.51M | $85.03M | +127.3% |
| Net income to common | $161.07M | $70.85M | $9.46M | $84.78M | +127.3% |
| Basic EPS | 11.30 | 4.98 | 0.66 | 5.92 | +126.9% |
| Diluted EPS | 11.24 | 4.97 | 0.66 | 5.89 | +126.2% |
| Basic shares | 14.25M | 14.22M | 14.25M | 14.33M | +0.2% |
| Diluted shares | 14.34M | 14.27M | 14.30M | 14.40M | +0.5% |
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $132.82M | $134.40M | $79.54M | $77.84M | — | -1.2% |
| Accounts receivable | — | — | — | $181.06M | $115.83M | — |
| Property, plant & equipment | $72.42M | $76.63M | $79.69M | $82.14M | — | -5.5% |
| Goodwill & intangibles | $74.42M | $94.81M | $94.93M | $95.31M | — | -21.5% |
| Total assets | $8.67B | $8.11B | $7.82B | $7.67B | — | +6.9% |
| Current debt | $395.00M | $247.00M | $477.10M | $241.30M | — | +59.9% |
| Long-term debt | $169.45M | $543.25M | $125.00M | $50.00M | — | -68.8% |
| Total debt | $564.45M | $790.25M | $602.10M | $291.30M | — | -28.6% |
| Total liabilities | $7.73B | $7.40B | $7.15B | $7.05B | — | +4.5% |
| Retained earnings | $662.16M | $537.16M | $501.51M | $526.73M | — | +23.3% |
| Shareholder equity | $938.38M | $713.44M | $668.52M | $615.98M | — | +31.5% |
| Net tangible assets | $863.95M | $618.64M | $573.59M | $520.67M | — | +39.7% |
| Shares issued | 14.45M | 14.47M | 14.44M | 14.56M | — | -0.1% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $161.07M | $70.85M | $9.51M | $85.03M | +127.3% |
| Depreciation & amortisation | $8.62M | $10.47M | $11.73M | $11.56M | -17.7% |
| Stock-based compensation | $3.49M | $4.63M | $4.10M | $4.34M | -24.7% |
| Change in working capital | $35.65M | $8.85M | $8.40M | -$1.75M | +302.9% |
| Operating cash flow | $38.87M | $94.97M | $89.00M | $103.34M | -59.1% |
| Capital expenditure | -$6.92M | -$6.21M | -$6.76M | -$8.17M | -11.5% |
| Investing cash flow | -$300.73M | -$250.44M | -$146.30M | -$8.44M | -20.1% |
| Share buybacks | -$1.65M | $0 | -$8.73M | -$15.43M | — |
| Dividends paid | -$36.09M | -$35.05M | -$34.51M | -$33.56M | -3.0% |
| Financing cash flow | $260.28M | $210.33M | $59.00M | -$80.17M | +23.7% |
| Free cash flow | $31.95M | $88.76M | $82.24M | $95.17M | -64.0% |
| End cash position | $132.82M | $134.40M | $79.54M | $77.84M | -1.2% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $87.12M | $83.69M | $2.30M | $87.44M | $82.64M | +4.1% |
| Operating revenue | $87.12M | $83.69M | $2.30M | $87.44M | $82.64M | +4.1% |
| Selling, general & admin | $28.83M | $28.75M | $47.03M | $33.65M | $33.53M | +0.3% |
| Pre-tax income | $38.55M | $34.47M | $139.71M | $31.11M | $28.24M | +11.8% |
| Tax provision | $9.24M | $8.39M | $43.46M | $7.43M | $6.77M | +10.2% |
| Net income | $29.30M | $26.07M | $96.25M | $23.67M | $21.47M | +12.4% |
| Net income to common | $29.30M | $26.07M | $96.25M | $23.67M | $21.47M | +12.4% |
| Basic EPS | 2.06 | 1.83 | 6.74 | 1.66 | 1.51 | +12.6% |
| Diluted EPS | 2.04 | 1.82 | 6.70 | 1.65 | 1.50 | +12.1% |
| Basic shares | 14.22M | 14.25M | 14.27M | 14.25M | 14.25M | -0.2% |
| Diluted shares | 14.33M | 14.35M | 14.36M | 14.35M | 14.32M | -0.1% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $147.76M | $171.45M | $132.82M | $193.49M | $212.55M | -13.8% |
| Property, plant & equipment | $71.24M | $71.00M | $72.42M | $73.84M | $74.41M | +0.3% |
| Goodwill & intangibles | $72.74M | $72.74M | $74.42M | $94.93M | $94.84M | 0.0% |
| Total assets | $8.80B | $8.70B | $8.67B | $8.47B | $8.37B | +1.2% |
| Current debt | — | — | $395.00M | — | — | — |
| Long-term debt | $546.36M | $449.45M | $169.45M | $444.87M | $672.70M | +21.6% |
| Total debt | $546.36M | $449.45M | $564.45M | $444.87M | $672.70M | +21.6% |
| Total liabilities | $7.84B | $7.75B | $7.73B | $7.68B | $7.61B | +1.2% |
| Retained earnings | $698.24M | $678.58M | $662.16M | $575.11M | $560.38M | +2.9% |
| Shareholder equity | $959.93M | $946.74M | $938.38M | $788.80M | $761.79M | +1.4% |
| Net tangible assets | $887.20M | $874.00M | $863.95M | $693.88M | $666.95M | +1.5% |
| Shares issued | 14.32M | 14.48M | 14.45M | 14.46M | 14.46M | -1.1% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Net income | $29.30M | $26.07M | $96.25M | $23.67M | $21.47M | — | +12.4% |
| Depreciation & amortisation | $2.32M | $2.31M | $2.11M | $2.08M | $2.14M | — | +0.6% |
| Stock-based compensation | $1.01M | $877.00K | $521.00K | $1.05M | $972.00K | — | +15.4% |
| Change in working capital | $556.00K | -$1.94M | $36.37M | $670.00K | -$814.00K | — | +128.7% |
| Operating cash flow | -$15.11M | $73.44M | -$37.20M | $35.89M | $17.96M | — | -120.6% |
| Capital expenditure | -$2.02M | -$2.33M | -$3.90M | -$1.00M | -$669.00K | — | +13.5% |
| Investing cash flow | -$133.12M | -$47.51M | -$30.49M | -$108.35M | -$136.47M | — | -180.2% |
| Share buybacks | -$964.00K | -$1.82M | — | — | $0 | $0 | +46.9% |
| Dividends paid | -$9.61M | -$9.55M | -$9.57M | -$8.83M | -$8.86M | — | -0.7% |
| Financing cash flow | $124.54M | $12.71M | $7.01M | $54.39M | $137.00M | — | +879.9% |
| Free cash flow | -$17.12M | $71.11M | -$41.10M | $34.89M | $17.29M | — | -124.1% |
| End cash position | $147.76M | $171.45M | $132.82M | $193.49M | $212.55M | — | -13.8% |
Options analytics
Put / call volume
0.00
Call-heavy session
Put / call open interest
—
Positioning, not flow
Max pain
95.00
-2.9% from spot
ATM implied vol
3.1%
Nearest strike to spot
Skew (10% OTM)
-6.2%
Calls bid over puts
Call volume
7
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
100.00
0 contracts
Heaviest put OI
95.00
0 contracts
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 1.82 | 2.04 | +12.1% |
| Mar 2026 | 1.76 | 1.82 | +3.7% |
| Dec 2025 | 1.65 | 1.78 | +7.9% |
| Sep 2025 | 1.70 | 1.65 | -2.9% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 1.95 | 2 | $89.65M | +2.5% |
| Next quarter | 2.01 | 2 | $91.50M | -53.1% |
| Current year | 7.82 | 2 | $352.54M | -21.3% |
| Next year | 8.32 | 2 | $380.61M | +8.0% |
Analyst targets & ownership
Mean target$104.50
High target$105.00
Low target$104.00
Implied upside6.84%
Analyst count2
ConsensusNONE
Strong buy / Buy1 / 0
Hold1
Sell / Strong sell0 / 0
Held by insiders6.49%
Held by institutions71.98%
Institutions holding308
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
97.70
+0.12% from price
SMA 20
98.01
-0.21% from price
SMA 50
98.58
-0.78% from price
SMA 100
94.47
+3.53% from price
SMA 200
86.87
+12.60% from price
EMA 12
97.84
-0.03% from price
EMA 26
97.91
-0.10% from price
EMA 50
97.22
+0.61% from price
RSI (14)
49.6
Neutral
MACD (12,26,9)
-0.07
Hist -0.03
ATR (14)
2.40
2.45% of price
Realised vol 30D
17.5%
Annualised
Bollinger upper
99.81
20, 2σ
Bollinger lower
96.21
20, 2σ
50 / 200 cross
Golden
98.58 vs 86.87
Trend bias
Above 200
+12.60%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.62
Less volatile than market
Correlation to SPY
0.30
Largely independent
Realised vol 30D
17.5%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-13.7%
Peak to trough
Max drawdown 5Y
-49.6%
Peak to trough
ATR 14
2.40
2.45% of price
Beta (reported)
0.74
5Y monthly, from filing
Short interest
Shares short
332.16K
Prior 281.42K
Change vs prior
+18.0%
Shorts adding
% of float
2.74%
Normal
% of shares out
2.31%
Against total outstanding
Days to cover
3.2
Liquid
Float
13.06M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Aug 3, 26 | Piper Sandler | MAINTAINED | Neutral | Neutral |
| Jul 27, 26 | Keefe, Bruyette & Woods | MAINTAINED | Outperform | Outperform |
| Apr 28, 26 | Piper Sandler | MAINTAINED | Neutral | Neutral |
| Oct 2, 24 | Keefe, Bruyette & Woods | UPGRADE | Market Perform | Outperform |
| Jul 29, 24 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| May 3, 24 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| Oct 2, 23 | Piper Sandler | MAINTAINED | Neutral | Neutral |
| Jul 25, 23 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| Sep 28, 20 | Piper Sandler | MAINTAINED | — | Neutral |
| Jul 25, 17 | Keefe, Bruyette & Woods | UPGRADE | Underperform | Market Perform |
| Nov 1, 16 | Keefe, Bruyette & Woods | DOWNGRADE | Market Perform | Underperform |
| Jun 13, 16 | Keefe, Bruyette & Woods | UPGRADE | Underperform | Market Perform |
Dividends & splits
Forward rate$2.80 / yr
Forward yield2.86%
5-year avg yield3.47%
Payout ratio21.34%
Ex-dividend dateAug 7, 2026
Next pay dateAug 14, 2026
Last split11:10
Split dateFeb 3, 2010
SEC filings
Annual Report of Proxy Voting Record of Registered Management Investment Companies filed on Form N-PX
N-PX · 2026-09-01
Periodic Financial Reports
10-Q · 2026-07-31
Corporate Changes & Voting Matters
8-K · 2026-07-28
Offering Registrations
S-3ASR · 2026-07-27
Corporate Changes & Voting Matters
8-K · 2026-07-24
Annual report of employee stock purchase
11-K · 2026-06-23
Corporate Changes & Voting Matters
8-K · 2026-05-26
Corporate Changes & Voting Matters
8-K · 2026-05-19
Headlines
Tompkins (TMP) Upgraded to Buy: Here's What You Should Know
Zacks · 8d ago
Tompkins Financial (TMP) Could Be a Great Choice
Zacks · 12d ago
Is Tompkins Financial (TMP) Cheap Following Its Strong Share Price Run?
Simply Wall St. · 13d ago
Are You Looking for a High-Growth Dividend Stock?
Zacks · 28d ago
Tompkins Financial (TMP) Could Be a Great Choice
Zacks · 44d ago
Are You Looking for a High-Growth Dividend Stock?
Zacks · 61d ago
Sector Update: Financial
MT Newswires · 74d ago
Update: Tompkins Financial Shares Rise After Q2 Beat
MT Newswires · 74d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.