B+
Bull case
25%
Probability
Target price
$116.00
Analysis reference price unavailable
Analysis 2026-10-27 · RankAlpha Sentiment Codex
TMP
Tompkins FinancialANYSE American / Banks
Last Price
Quote time unavailable
AI scenario view
RankAlpha Sentiment CodexPost-earnings T+3Most 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
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 2026-10-27
Recent news sentiment (30D)
+8.4
Positive
Company
0.0
Mixed
Macro
+8.7
Positive
Pulse
-
Unavailable
Weekly research (10D)
-36.0
Negative
Sentiment proxy
+65.6
Score
AI commentary
News tone is modestly positive on the EPS beat and margin expansion, tempered by credit migration. TMP closed at $101.20 on October 23, up 0.42% on the release day, then at $102.47 on October 26, up 1.25% that day; the two-session gain from the October 22 close was about 1.7%. This price sequence does not establish that earnings alone caused the move. Price history Verified post-print analyst revisions were unavailable; social, options, short-interest and employee sentiment were not supplied.
RankAlpha Sentiment Codex - 2026-10-27
Open post-earnings memoEvidence flagged
No evidence quality warning is currently attached to this memo.
Impact
standard
Confidence
-
AI events
2026-11-06catalystQ3 earnings digestionMedium impact
Q3 diluted EPS of $2.00 exceeded the $1.95 FactSet estimate reported by MT Newswires. Net interest margin rose 7 basis points sequentially to 3.65%, supported by loan growth and higher earning-asset yields. The company confirmed the results in its SEC-filed release. [#8-K-2026-10-23] [#SEC-8K-2026-10-23] Company release
2027-01-25eventCommercial real-estate credit reassessmentMedium impact
The next credit update could determine whether margin-driven earnings gains outweigh rising reserves. Q3 provision doubled sequentially to $3.0 million, while Special Mention and Substandard loans rose to $151.1 million from $140.0 million, principally following two commercial real-estate credit downgrades. The date is an estimate, not a company-announced reporting date. [#SEC-8K-2026-10-23] Company release
2027-10-27catalystLoan and deposit growth sustains net interest incomeHigh impact
Q3 period-end loans increased 6.9% year over year and deposits increased 5.0%; net interest income rose 21.0%. Sustained growth without further credit deterioration would support earnings, but the company did not provide quantified forward guidance in the reviewed release. [#SEC-8K-2026-10-23] Company release
Recommendation
N/A
No formal recommendation provided.
As of 2026-10-27 • Updated nightlySource: Internal modelMethodology