Is Tompkins Financial Corp. overvalued or undervalued?

As of 24 October 2025, the valuation grade for Tompkins Financial Corp. has 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. In comparison to peers, Byline Bancorp, Inc. has a P/E of 11.7152, while Republic Bancorp, Inc. (Kentucky) has a P/E of 10.7748, indicating that Tompkins is positioned competitively within its industry.
In terms of recent performance, Tompkins Financial Corp. has shown a 1-year return of 6.26%, which lags behind the S&P 500's return of 16.90%, and a 3-year return of -17.27% compared to the S&P 500's 78.85%. This underperformance relative to the benchmark reinforces the notion that the stock is fairly valued given its current ratios and market position.