TOMPKINS FINANCIAL CORPTMP
ASignal's systematic analysis rates TMP as Neutral.
Reflects the latest available analysis · analyzed Sep 16, 2026
The case on TMP
Bull vs bear, surfaced by ASignal's framework agents from public market data. The precise verdict: ASignal Rank, confidence, and price targets - is in the app.
- Strong return on equity (20.36%) indicating efficient capital use
- Low P/E ratio (8.09x) relative to earnings growth (36.00% YoY)
- High dividend yield (283.00%) with sustainable payout ratio (21.34%)
- Positive MACD histogram suggesting strengthening upward momentum
- Price above 20-day and 50-day moving averages
- Gross margin reported as 0.00%, which is atypical for a regional bank
- Missing key metrics: free cash flow, debt-to-equity ratio, EV/EBITDA
- Forward P/E (11.91x) higher than current P/E, suggesting earnings deceleration
- No Reddit mentions, indicating low retail investor interest or visibility
- Return on assets (2.04%) is low for the banking sector
See the full verdict on TMP
ASignal Rank (1-4), confidence score, Buffett / Ackman / Dalio grades, price targets, and the full reasoning behind the call.
How ASignal analyzes TMP
Most investors never get a second opinion, let alone several. ASignal runs TMP past a panel of specialized investor-framework agents, each calibrated on a distinct school of investing: Warren Buffett's value discipline, Bill Ackman's activist lens, and Ray Dalio's macro view. They don't just score in isolation, they argue: a dedicated Challenger agent pushes back on every conclusion until the panel settles on a reasoned consensus, weighing fundamentals, macro conditions, market sentiment, and price action together. The kind of cross-examined read that takes a research desk hours, ASignal delivers in under two minutes, refreshed every cycle.
The signal direction and the bull and bear case above are free. The precise read, ASignal Rank, framework grades, price targets, and full reasoning, stays with subscribers.