Is Tompkins Financial Corp. overvalued or undervalued?

Oct 26 2025 11:09 AM IST
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As of October 24, 2025, Tompkins Financial Corp. is fairly valued with a P/E ratio of 12, a Price to Book Value of 1.22, and an EV to EBITDA of 13.16, positioning it competitively against peers like Byline Bancorp and Republic Bancorp, despite a 6.26% return over the past year compared to the S&P 500's 16.90%.
As of 24 October 2025, the valuation grade for Tompkins Financial Corp. moved from expensive to fair. Based on the current metrics, the company appears to be fairly valued. 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, which suggest a reasonable valuation relative to its earnings and assets.

In comparison to its peers, Byline Bancorp, Inc. has a P/E ratio of 11.7152, while Republic Bancorp, Inc. (Kentucky) stands at 10.7748, indicating that Tompkins Financial is positioned competitively within the regional banks sector. While the stock has shown a 6.26% return over the past year, it has underperformed compared to the S&P 500's 16.90% return, highlighting potential challenges in the current market environment.
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