Is Tompkins Financial Corp. overvalued or undervalued?

As of 7 November 2025, the valuation grade for Tompkins Financial Corp. moved from expensive to fair, indicating a more favorable assessment of its stock price. 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 a PEG Ratio of 0.01, which suggests that the stock may be undervalued relative to its growth prospects.
In comparison to its peers, Tompkins Financial Corp. has a P/E ratio that is higher than Berkshire Hills Bancorp, Inc. at 10.31 but lower than Byline Bancorp, Inc. at 11.72, indicating it is competitively positioned within the regional banks sector. The company’s dividend yield of 3.94% also stands out, providing a solid income stream for investors. Although specific return data is not available, the absence of negative returns relative to the S&P 500 could reinforce the notion of fair valuation amidst market fluctuations.