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TMP

Tompkins FinancialA
NYSE American / Banks
Last Price
Quote time unavailable
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Current thesis
Q3 EPS rose 21.2% year over year, net interest income rose 21.0%, and the company raised its fourth-quarter dividend. Continued loan and deposit growth could sustain profitability.
Posture
Constructive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta -0.1.
What can break
No quantified forward guidance or verified post-earnings analyst revisions were available for this T+3 review.
Momentum
69
Value
64
Sentiment
60
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $105.50 · Bull $116.00 · Bear $88.00Analysis 2026-10-27; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-30 • Vendor: Data Vendor v1
Scores
As of 2026-10-30 • Model: HYBRID_IC_RP
AI Memo
As of 2026-10-27 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-30

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-30. Definitions

Supporting evidence
What
Grade A · Constructive
Confidence Medium · Net Neutral
Target $105.50
Why
Momentum69 · Δ7d -5.2
Value64 · Δ7d -0.1
Sentiment60 · Δ7d +3.0
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Value remains the lead driver in the composite, 7D delta -0.1.

Contradictions & invalidation

  • • No quantified forward guidance or verified post-earnings analyst revisions were available for this T+3 review.
  • • Q3 credit-loss provision doubled sequentially to $3.0 million; further specific reserves could offset net interest income growth. [#SEC-8K-2026-10-23]
  • • Q3 EPS slipped from $2.04 in Q2 to $2.00, provision rose to $3.0 million from $1.5 million, and two commercial real-estate credit downgrades increased criticized loans.

Catalyst clock

2026-11-06

Q3 earnings digestion

Lead driver: Value · See fundamentals
Momentum
69
8% active weight
Current posture
7d trendImproving
Δ7d
-5.2
Δ21d
-1.1
Value
64
47% active weight
Current posture
7d trendFlat
Δ7d
-0.1
Δ21d
-0.3
Sentiment
60
45% active weight
Current posture
7d trendImproving
Δ7d
+3.0
Δ21d
-4.6
Why this grade

Composite grade A. Momentum 69.0 / Value 63.7 / Sentiment 59.7

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-10-27. Scenario method

B+
Bull case
25%
Probability
Target price
$116.00
Analysis reference price unavailable
Analysis 2026-10-27 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$105.50
Analysis reference price unavailable
Analysis 2026-10-27 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$88.00
Analysis reference price unavailable
Analysis 2026-10-27 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-30
Market Cap
$1.43B
Beta
0.77
Shares Out
14.38M
P/E (TTM)
12.4
P/S (TTM)
3.22
P/FCF (TTM)
17.94
Rev YoY
+2.5%
EPS YoY
+36.4%
Gross Margin
-
Op Margin
+14.1%
Net Debt
$637.01M
Current Ratio
0.09
As of 2026-10-30 • Updated nightlySource: Internal modelMethods & Data