Is Tompkins Financial Corp. overvalued or undervalued?

As of 31 January 2025, the valuation grade for Tompkins Financial Corp. has moved from expensive to fair. The company is currently fairly valued based on its financial metrics. Key ratios include a P/E ratio of 12, a Price to Book Value of 1.22, and an EV to EBITDA of 13.16.
In comparison to its peers, Tompkins Financial Corp. has a lower P/E ratio than German American Bancorp, Inc. at 18.35 and is more attractive than Dime Community Bancshares, Inc. with a P/E of 30.55. Notably, Republic Bancorp, Inc. (Kentucky) is considered very attractive with a P/E of 10.09, indicating that Tompkins is well-positioned within its competitive landscape. Additionally, the company has shown a strong dividend yield of 3.94%, which may appeal to income-focused investors. Despite a year-to-date return of -8.24%, the one-year return of 41.97% suggests potential for recovery and growth.