TMP

Tompkins FinancialB

NYSE American / Banks

At close

2026-08-01

Current thesis

Record earnings, expanding NIM, loan growth, stronger capital, and a higher dividend indicate improving core profitability. The Q2 release also cited healthy loan and deposit growth as continuing support for results.

Posture

Constructive

Lead driver

Value

What changed

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

What can break

Credit-quality, reserve, and detailed forward-guidance trends are not available in the supplied excerpts.

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $104.00 · Bull $115.00 · Bear $84.00

Data freshness

Prices

As of 2026-08-01

Fundamentals

As of 2026-07-31 • Vendor: Data Vendor v1

Scores

As of 2026-08-01 • Model: HYBRID_IC_RP

AI Memo

As of 2026-07-28 • Model: RankAlpha Sentiment Codex

Investment thesis

As of 2026-08-01

Supporting evidence

What

Grade B · Constructive

Confidence Medium · Net Neutral

Target $96.00

Why

Momentum65 · Δ7d +12.6

Value64 · Δ7d +0.1

Sentiment52 · Δ7d +8.4

So what

Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Lead driver: Value · See fundamentals

Momentum

10% active weight

Current posture

7d trendImproving

Δ7d

+12.6

Δ21d

+6.9

Value

40% active weight

Current posture

7d trendFlat

Δ7d

+0.1

Δ21d

-0.2

Sentiment

49% active weight

Current posture

7d trendImproving

Δ7d

+8.4

Δ21d

Why this grade

Composite grade B. Momentum 64.7 / Value 64.0 / Sentiment 51.6

Fundamentals (TTM)

As of 2026-07-31

Market Cap

$1.44B

Beta

0.77

Shares Out

14.38M

P/E (TTM)

12.4

P/S (TTM)

3.22

P/FCF (TTM)

17.94

Rev YoY

-1.6%

EPS YoY

+32.2%

Gross Margin

Op Margin

+33.7%

Net Debt

$637.01M

Current Ratio

0.10

As of 2026-08-01 • Updated nightlySource: Internal modelMethodology