Is Tompkins Financial Corp. overvalued or undervalued?

As of 7 November 2025, the valuation grade for Tompkins Financial Corp. has moved from expensive to fair, indicating a more favorable assessment of its market position. 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, which suggest that the stock is reasonably priced relative to its earnings and book value.
In comparison to its peers, Tompkins Financial Corp. has a P/E ratio of 12.77, which is higher than Berkshire Hills Bancorp, Inc. at 10.31 but lower than German American Bancorp, Inc. at 18.19. The company's recent stock performance shows a 1-week return of 4.12%, outperforming the S&P 500's return of -1.63%, although it has underperformed over longer periods, including a YTD return of -0.41% compared to the S&P 500's 14.40%. Overall, Tompkins Financial Corp. is positioned fairly within its industry, reflecting a balanced valuation perspective.