TOMPKINS FINANCIAL CORP(TMP)Stock Analysis
AI analysis on 2,800+ stocks →Deep AI analysis on 2,800+ stocks →13F Pro Quality Score
Rank #749 of 2,879 stocksTOP 50%
Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.
Revenue Growth
Profitability
Balance Sheet
Earnings Quality
Free Cash Flow
Institutional Flow
Revenue Scale
Dilution Risk
TMP Stock Analysis & AI Quality Score
AI stock analysis and institutional research for TOMPKINS FINANCIAL CORP (TMP), a Financials sector company. 13F Pro's AI-powered ranking engine scores TMP at 62.3/100 on a 32-signal composite quality model, placing it at rank #749 of 2,879 stocks — the top half of the AI-ranked universe. TMP scores in the top quartile across free cash flow (97.0), profitability (96.6), earnings quality (96.0). Areas of concern include revenue scale (15.3), which score below median versus the broader universe. Shareholder dilution risk is elevated at 27.2/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), TOMPKINS FINANCIAL CORP reports quarterly revenue of $83.7M, net income of $26.1M, free cash flow of $71.1M. Top institutional holders of TMP by reported 13-F value include BlackRock,, STATE STREET, TOMPKINS FINANCIAL, based on the most recent SEC filings. TMP trades on the NYSE exchange and files with the SEC under CIK 1005817. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate TMP daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for TOMPKINS FINANCIAL CORP directly from SEC EDGAR. TOMPKINS FINANCIAL CORP's 13F Pro composite quality score has ranged between 45 and 63 since 2021, currently 62.3 — an improving long-term trajectory across 28 quarterly and live scoring snapshots.
Revenue
Q1 2026
$83.7M
Net Income
Q1 2026
$26.1M
Free Cash Flow
Q1 2026
$71.1M
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · Pro+Revenue
+5.7% YoYNet Income
+645.4% YoYEPS (Diluted)
+653.0% YoYTotal Assets
+3.7% YoYOp. Cash Flow
+6.7% YoY| Metric | FY 2024 | FY 2023 | FY 2022 | FY 2020 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|---|
| Revenue | $79.3M +5.7% | $75.0M +1.4% | $74.0M +12.5% | $65.7M -2.7% | $67.6M +2.4% | $66.0M |
| Net Income | $70.8M +645.4% | $9.5M -88.8% | $85.0M +9.6% | $77.6M -5.1% | $81.7M -0.7% | $82.3M |
| EPS (Diluted) | $4.97 +653.0% | $0.66 -88.8% | $5.89 +13.3% | $5.20 -3.2% | $5.37 +0.4% | $5.35 |
| Total Assets | $8.11B +3.7% | $7.82B +1.9% | $7.67B +0.6% | $7.62B +13.3% | $6.73B -0.5% | $6.76B |
| Operating Cash Flow | $95.0M +6.7% | $89.0M -13.9% | $103.3M +1.9% | $101.4M -0.2% | $101.6M -5.3% | $107.3M |
AI Insight: TMP Financial Trends
Net income surged to $96M in Q4 2025 — a likely one-time item — before normalizing to $26M in Q1 2026, while operating cash flow swung wildly from -$37M to +$73M.
• Net income trended steadily upward from $16M in Q2 2024 to $24M in Q3 2025, suggesting organic earnings growth.
• Q4 2025 net income spiked to $96M — roughly 4x the prior run-rate — strongly implying a non-recurring gain.
• Operating cash flow turned sharply negative at -$37M in Q4 2025 despite the income spike, then rebounded to $73M in Q1 2026.
⚠ The nature of the Q4 2025 $96M net income spike is unconfirmed; if non-recurring, sustainable earnings power remains near $21–26M.
⚠ Revenue data is absent from Q2 2025 onward, making top-line trajectory impossible to assess.
⚠ Equity and total debt data drop off after Q4 2024, leaving balance sheet leverage trends unmonitorable.
AI Insight: TMP Ratio Trends
TMP's ROA steadily improved from 0.8% in Q2 2024 to 1.1% by Q3 2025, but a likely one-off spike to 4.4% in Q4 2025 warrants scrutiny.
• ROA expanded consistently from 0.8% in Q2 2024 to 1.1% in Q3 2025, signaling gradual profitability improvement.
• Operating margin surged from 106.9% in Q2 2024 to 139.2% in Q4 2024 before data gaps obscure the subsequent trajectory.
• NPM rose from 81.3% in Q2 2024 to 106.3% in Q4 2024, reflecting strong net interest income capture relative to operating costs.
⚠ ROA spiked to 4.4% in Q4 2025 — far above the 1.0–1.1% prior-quarter run-rate — likely a one-off; sustainability is unconfirmed.
⚠ Broad data gaps from Q2 2025 onward for OpMargin, NPM, ROE, and ROIC limit visibility into whether Q4 2024 margin peaks held.
⚠ ROA dipped back to 1.2% in Q1 2026 after the Q4 2025 spike, suggesting the elevated quarter was non-recurring.
Get alerted when TMP's score changes
Free account: watchlist tracking, the daily AI brief, and the AI screener.
Available Research
13F Pro tracks comprehensive data for TOMPKINS FINANCIAL CORP including:
Top Institutional Holders of TMP
BlackRock, Inc.
$157.9M2,002,333 shSTATE STREET CORP
$93.5M1,186,354 shTOMPKINS FINANCIAL CORP
$88.2M1,119,343 shVANGUARD PORTFOLIO MANAGEMENT LLC
$59.4M753,999 shDIMENSIONAL FUND ADVISORS LP
$46.3M587,466 shVANGUARD CAPITAL MANAGEMENT LLC
$44.6M565,937 shGEODE CAPITAL MANAGEMENT, LLC
$27.5M348,313 shAMERICAN CENTURY COMPANIES INC
$24.2M307,342 shMORGAN STANLEY
$13.2M167,191 shrhino investment partners, Inc
$13.2M166,941 sh
| Fund | Value | Shares |
|---|---|---|
| BlackRock, Inc. | $157.9M | 2,002,333 |
| STATE STREET CORP | $93.5M | 1,186,354 |
| TOMPKINS FINANCIAL CORP | $88.2M | 1,119,343 |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $59.4M | 753,999 |
| DIMENSIONAL FUND ADVISORS LP | $46.3M | 587,466 |
| VANGUARD CAPITAL MANAGEMENT LLC | $44.6M | 565,937 |
| GEODE CAPITAL MANAGEMENT, LLC | $27.5M | 348,313 |
| AMERICAN CENTURY COMPANIES INC | $24.2M | 307,342 |
| MORGAN STANLEY | $13.2M | 167,191 |
| rhino investment partners, Inc | $13.2M | 166,941 |
More Financials Companies
View all Financials →Put TMP on your watchlist
Track score changes the day TOMPKINS FINANCIAL CORP files with the SEC, follow the hedge funds that own it, screen 2,800+ AI-scored stocks, and get the daily brief — free.
Free tier includes 13F data, economic indicators, and market overview. Pro starts at $6.67/mo (billed annually).
Popular Research
Is TMP a good stock to buy?
13F Pro's AI-powered analysis of TOMPKINS FINANCIAL CORP (TMP) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for TMP are available on the TMP stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.
Which hedge funds own TMP?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling TMP. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of TOMPKINS FINANCIAL CORP's investment landscape.