Is Tompkins Financial Corp. overvalued or undervalued?

As of 7 November 2025, the valuation grade for Tompkins Financial Corp. moved from expensive to fair. The company appears fairly valued based on its current 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 peers, Berkshire Hills Bancorp, Inc. has a P/E of 10.31, while Byline Bancorp, Inc. stands at 11.72, indicating that Tompkins is competitively positioned within its industry.
In terms of recent performance, Tompkins Financial Corp. has underperformed the S&P 500 on a year-to-date basis, with a return of -1.70% compared to the S&P 500's 14.40%. However, over the last five years, it has returned 22.01%, which aligns with a more favorable long-term outlook despite recent volatility.