Is Tompkins Financial Corp. overvalued or undervalued?

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.