What Is Tompkins Financial Corporation (TMP) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, Tompkins Financial Corporation's intrinsic value is estimated at $104.21, presenting a divided outlook at the current price of $91.28. With an average implied return of +14.2% across a split 6–6 (bull–bear) consensus, the model spread of +351.4% underscores analytical uncertainty. Notably, Markov DDM sees the most upside at +261.2% (fair value: $329.73), while EROIC is the most conservative at -90.1% ($9.00). The spread between these extremes — +351.4% — reveals how different analytical frameworks can reach starkly different conclusions.
What Do the Models Say About TMP?
12 of 13 models are currently active for TMP. Of these, 6 models suggest upside while 6 models suggest overvaluation. The Bayesian DCF estimates TMP's intrinsic value at $102.52, implying +12.3% upside from the current price. See which stocks rank higher →
How Does TMP Rank in State Commercial Banks?
Among 172 State Commercial Banks stocks, TMP ranks #126 by Quality of Company score. CirclFi's QOC score of 7.8/10 evaluates 32 fundamental signals. A score of 7.8 indicates above-average quality.
See all Most Undervalued State Commercial Banks Stocks →
Within the State Commercial Banks space, Tompkins Financial Corporation competes in an environment where net interest margin (NIM) often separates market leaders from laggards. Understanding these industry-specific dynamics is essential context for interpreting our model outputs.
Is TMP a Value Trap?
CirclFi's Value Trap algorithm assigns TMP a score of 14/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
12 of 13 models are active for Tompkins Financial Corporation. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →
According to the CirclFi 32-factor quality framework, Tompkins Financial Corporation's fundamental quality profile registers 7.8/10. This robust score captures the company's profitability depth, growth consistency, balance sheet resilience, and shareholder return track record.
The gap between the most bullish and bearish model spans +351.4% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →
Data Sources & Confidence
Every TMP valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →
Across TMP's 12 active models, average confidence is 47%. Lower confidence may reflect limited history or high volatility.
CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →
Buy with Gumroad