Stock Ratings / Financials / TMP / dividends

BHRB (66) WABC (70) LKFN (68) TFIN (43) ⌘ Pro Terminal →

Tompkins Financial Corporation (TMP) Dividend Safety Gauge & 10-Year DRIP Compounder

$101.64 +0.53% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $101.54

Tompkins Financial Corporation (TMP) carries a Roarable Rating of C (Hold) with 63/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 63/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.9% avg 90D alpha vs SPY) →

ROARABLE C • HOLD / WATCH Cap $1.46B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on TMP Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is TMP stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, Tompkins Financial Corporation (NYSE: TMP) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 63/100 at a spot price of $101.64 (+0.53% 1D, market cap $1.46B). Pillar breakdown: Fundamental Cash Engine 8/20, Institutional 13F & Options Flow 15/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 14/20. Across 1096 tracked Financials issuers, TMP ranks #346 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does TMP compare to BHRB and WABC in the Financials sector?

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Within the Financials sector (Major Banks), TMP carries a Roarable C (63/100 RQD), trailing P/E of 9.1x, gross margin of —, and ROIC of 17.2%. By comparison, BHRB (Burke & Herbert Financial Services Corp.) holds a C+ grade (66/100 RQD, P/E 12.2x, ROIC 13.7%, cap $1.43B) and WABC (Westamerica Bancorporation) posts a B- grade (70/100 RQD, P/E 12.2x, ROIC 12.4%, cap $1.42B). Among the 5-stock peer group, TMP leads on earnings multiple (9.1x) while TMP leads on capital efficiency (17.2% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for TMP?

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Per TMP's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001005817), Tompkins Financial Corporation generated $75.7M in revenue (-4.5% YoY), $161.1M in net income, and $31.9M in free cash flow against $8.67B in total assets and $0 in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $101.55 (-0.09%)🧬 Cannibal Buyback (-1.80% YoY Shares)⚙️ Cash Engine: 8/20 (D-) • 42.2% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 63/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.9% avg 90D alpha vs SPY • 54.8% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+2.3% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for TMP)Realized 20D OHLCV Swing Band: ±4.6%

Deterministic 5-Pillar Attribution (63/100 Composite)

🔍 WHY TMP SCORES 63/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Whale & Options Positioning+15/20 pts (24% of score)

20D Institutional Volume Accumulation (±4.6% realized swing band)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+14/20 pts (22% of score)

SEC Form 4 / 13F Thermometer: 70% Net Buy • Cannibal Buyback (-1.80% YoY Shares)

▼ #1 Drag / Risk Factor: Cash Engine Quality8/20 pts (-12 pt drag)

Capital intensity & 0% operating margin leave 12 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$96.55+0.6% Next Q

Q2 (-2Q)

Grade C$97.17+5.5% Next Q

Q3 (-1Q)

Grade C$102.47-0.8% Next Q

Current

Grade C$101.64+0.9% Hist 90D α

Trajectory: C (55) → C (63)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the TMP Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 63/100 (C) score, TMP faces multiple-compression risk if 9.1x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.80% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($98.28) or 200D SMA ($89.22) invalidates the momentum regime and cuts Target Base ($103.93) toward Bear Floor ($81.07).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $TMP• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “TMP Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 63%NO 37%Trade / Inspect Odds →

CASH DIVIDEND + BUYBACK YIELD

4.27% Total Yield

2.47% Cash ($2.51/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

68/100 • SAFE COVERAGE

FREE CASH FLOW PAYOUT RATIO

73.3% of FCF

8 consecutive years of payout growth

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (7.8% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $21,193

Est. Year-10 Shareholder Yield: $905/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$10.8K

Yr 1

$11.6K

Yr 2

$12.5K

Yr 3

$13.5K

Yr 4

$14.6K

Yr 5

$15.7K

Yr 6

$16.9K

Yr 7

$18.2K

Yr 8

$19.7K

Yr 9

$21.2K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in TMP & A-Rated Leaders

✓12-month Bull/Base/Bear fair-value walkthrough on TMP and its top sector peer
✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
✓Includes nightly RQD rating-change & forensic signal email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

TMP // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +22.38%📐 HORIZONTAL RANGE

2026-11-02O $101.1H $101.6L $101.1C $101.6VOL 137.8K

RES: $104.7SUP: $94.25SMA50: $98.28SMA200: $89.22

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

TMP Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 TMP Butterfly Map → + Track TMP →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

-3.0%/yr Implied 5Y Growth

vs. -4.5% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on TMP today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for TMP. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for TMP today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (TMP)

Financials Rank #346 of 1096 ⚔️ BHRB vs TMP Full Matrix →

1. Head-to-Head Financials Peer Comparison (TMP vs. BHRB, WABC, LKFN, TFIN)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Tompkins Financial Corporation (TMP) ranks #346 by composite RQD confidence (63/100, grade C) and #497 by equity capitalization ($1.46B). Within this direct 5-issuer industry benchmark cohort, TMP leads on earnings valuation at 9.1x trailing P/E, while TMP leads on capital efficiency and profitability with 17.2% ROIC and — gross margin. WABC currently holds the highest overall quantitative score in the immediate peer group at 70/100 (B-) compared with TMP at 63/100 (C).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
TMP ACTIVE Tompkins Financial Corporation	C	63/100	9.1x	—	17.2%	+0.53%	$1.46B	Benchmark Subject
BHRB Burke & Herbert Financial Services Corp.	C+	66/100	12.2x	—	13.7%	+0.88%	$1.43B	/bhrb-vs-tmp →
WABC Westamerica Bancorporation	B-	70/100	12.2x	—	12.4%	+0.79%	$1.42B	/wabc-vs-tmp →
LKFN Lakeland Financial Corporation	C+	68/100	14.6x	—	13.6%	+1.03%	$1.51B	/lkfn-vs-tmp →
TFIN Triumph Financial Inc.	D-	43/100	59.9x	—	2.7%	+0.84%	$1.52B	/tfin-vs-tmp →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001005817

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Tompkins Financial Corporation (TMP) reported GAAP revenue of $75.7M (-4.5% vs. FY2024 revenue of $79.3M , and +1.0% cumulative change since FY2023) , GAAP net income of $161.1M, operating cash flow of $38.9M, and free cash flow of $31.9M (-64.0% YoY). On the balance sheet, TMP closed FY2025 with $8.67B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$75.7M	$161.1M	$38.9M	$31.9M	$8.67B	—
FY2024 (FY)	2024-12-31	$79.3M	$70.8M	$95.0M	$88.8M	$8.11B	—
FY2023 (FY)	2023-12-31	$75.0M	$9.5M	$89.0M	$89.0M	—	—

3. TMP Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is TMP stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does TMP compare to BHRB and WABC in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for TMP?

Where is TMP trading relative to its 50-day, 200-day, and 52-week technical levels?

TMP last traded at $101.64 (+0.53% on volume of 137,797 shares), positioning the stock +3.42% above its 50-day simple moving average ($98.28) and +13.92% above its 200-day simple moving average ($89.22). Across its 52-week range of $62.98 to $104.18, TMP sits at the 93.8% percentile with a 14-day RSI of 58.9 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.6% ($96.96 to $106.32).

TMP Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Does TMP pay a dividend and is it safe?

Tompkins Financial Corporation (TMP) offers a 2.47% cash dividend yield ($2.51 annualized) and 4.27% total shareholder yield including buybacks. Roarable rates its payout coverage as SAFE COVERAGE.

Direct Sub-Reports: TMP RQD Cockpit TMP 12M Forecast TMP Earnings & Move TMP Dividends & DRIP TMP Insiders & 13F TMP Whale Options TMP Profit Sankey TMP News & Why