B+
Bull case
25%
Probability
Target price
$115.00
Analysis reference price unavailable
Analysis 2026-07-28 · RankAlpha Sentiment Codex
TMP
Tompkins FinancialBNYSE American / Banks
Last Price
Quote time unavailable
AI scenario view
RankAlpha Sentiment CodexPost-earnings T+3Most likely
B
Base case
50%
Probability
Target price
$104.00
Analysis reference price unavailable
Analysis 2026-07-28 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$84.00
Analysis reference price unavailable
Analysis 2026-07-28 · RankAlpha Sentiment Codex
The current persistence contract does not provide an exact AI reference price. RankAlpha therefore does not calculate scenario return from the live quote. How scenarios are presented
AI sentiment snapshot
Latest data as of 2026-07-28
Recent news sentiment (30D)
+17.8
Positive
Company
-
Unavailable
Macro
+17.8
Positive
Pulse
-
Unavailable
Weekly research (10D)
+4.2
Mixed
Sentiment proxy
+66.0
Score
AI commentary
Primary-source earnings tone is positive, but the evidence is concentrated in the Q2 release and filing. The 2026-07-28 8-K confirms KBW conference materials were furnished, but the packet provides no substantive presentation excerpt. Missing analyst revisions, transcript context, and social coverage warrant monitoring rather than high-conviction extrapolation. [#8-K-2026-07-28]
RankAlpha Sentiment Codex - 2026-07-28
Open post-earnings memoEvidence flagged
No evidence quality warning is currently attached to this memo.
Impact
standard
Confidence
-
AI events
2026-07-29eventQ2 2026 record earningsMedium impact
Tompkins reported diluted EPS of $2.04 and net income of $29.3 million for Q2 2026, marking a third consecutive record quarter. The primary-source excerpt supports the reported results; post-print analyst revisions remain unavailable. [#SEC-8K-2026-07-24]
2026-10-23catalystImproved banking operating momentumHigh impact
Q2 net interest margin was 3.58%, up 50 basis points year over year; loans rose 6.9% year over year, net interest income rose 23%, and Tier 1 capital improved to 10.69%. [#SEC-8K-2026-07-24]
2026-10-26catalystDividend increaseMedium impact
Management approved a third-quarter 2026 dividend increase of 13% versus the comparable 2025 dividend, supported by stronger results and capital. [#SEC-8K-2026-07-24]
Recommendation
N/A
No formal recommendation provided.
As of 2026-07-28 • Updated nightlySource: Internal modelMethodology