Tompkins Financial Corporation logo TMP - Tompkins Financial Corporation

Price: -- -- | CONSENSUS: Hold DETAILS
STRONG
BUY 0
BUY 1
HOLD 3
SELL 0
STRONG
SELL 0
| PRICE TARGET: $104.00 DETAILS
HIGH: $104.00
LOW: $104.00
MEDIAN: $104.00
CONSENSUS: $104.00
UPSIDE: 6.22%
AlphaQuality

AlphaQuality

Quantitative six-pillar business-quality grade

Banks, Insurers & Asset Managers

AlphaQuality — archetype-weighted quantitative grade

B- 62.0 / 100 composite

Composite Grade

Composite of six pillars weighted for banks, insurers & asset managers businesses. Purely quantitative — the six pillars score only reported financials, no analyst input.

Profitability

Weight: 25%
B+ 76.2

Scored using efficiency ratio — bank-archetype substitution.

  • Efficiency Ratio (FY2025) 47.1% 96/100
  • Efficiency Ratio Trend +0.26 pp/yr 40/100
Contributes 19.1 pts toward composite.

Capital Efficiency

Weight: 15%
B- 67.7
  • 5yr Avg ROE 10.9% 65/100
  • 5yr Share-Count CAGR -0.6% 73/100
Contributes 10.1 pts toward composite.

Growth Quality

Weight: 15%
B- 64.4

Scored using revenue growth cross-checked against efficiency-ratio trend — bank-archetype substitution.

  • 5yr Revenue CAGR 12.2% 85/100
  • Efficiency Ratio Trend (growth quality check) +0.26 pp/yr 40/100
  • Revenue-Growth Years (5) 3/5 60/100
Contributes 9.7 pts toward composite.

Cash Generation

Weight: 15%
F 12.1

Scored using efficiency-ratio stability — bank-archetype substitution.

  • Efficiency Ratio Stability (σ) 0.11 12/100
Contributes 1.8 pts toward composite.

Balance Sheet

Weight: 20%
A- 82.5

Scored using equity-to-assets — bank-archetype substitution.

  • Equity / Assets 10.8% 82/100
Contributes 16.5 pts toward composite.

Stability

Weight: 10%
C- 48.5
  • EPS Volatility (σ/μ) 0.50 30/100
  • Negative-Revenue Years (5) 2/5 60/100
  • Piotroski F-Score 6 67/100
Contributes 4.8 pts toward composite.

Guru Flow

Curated superinvestor sentiment — not part of the AlphaQuality grade.
Trimming

1 of 1 gurus held; 1 trimmed.

Holders
1
Avg Δ position
-7.1%
New buys
0
Full exits
0
As of Q2 2026
How this is calculated

AlphaQuality grades six pillars from 0-100 and weights each by archetype:

  • Profitability (25%) — Efficiency Ratio (FY2025), Efficiency Ratio Trend
  • Capital Efficiency (15%) — 5yr Avg ROE, 5yr Share-Count CAGR
  • Growth Quality (15%) — 5yr Revenue CAGR, Efficiency Ratio Trend (growth quality check), Revenue-Growth Years (5)
  • Cash Generation (15%) — Efficiency Ratio Stability (σ)
  • Balance Sheet (20%) — Equity / Assets
  • Stability (10%) — EPS Volatility (σ/μ), Negative-Revenue Years (5), Piotroski F-Score

The six pillars read only reported financial-statement fields — no analyst targets or consensus ratings. The archetype that picks which pillar formulas apply is not fully price-free, though: it can route a company to the distressed/ungradable archetype based on price vs. its 52-week high, and beta affects one classification check. A minimum of 5 fiscal years of audited statements is required. Insurers and banks are graded on their own methodology — insurers on loss ratio, its trend and stability, and premiums-to-surplus; banks on the efficiency ratio, its trend and stability, and equity-to-assets — rather than on industrial margin/ROIC signals. Distressed, highly leveraged infrastructure, asset-manager, and other financial businesses are declared ungradable rather than forced into a numeric score.