OakChart

Tompkins Financial Corp

TMPFinancial·Banks - Regional·USA·Small·AMEX·Nov 11 • 1:25 PM ET

100.09-0.74 (-0.74%)
2026-11-11 19:25 CET
Market cap
1,446.95 USD m
Revenue, TTM
- USD m
Net income, TTM
180.28 USD m
Free cash flow, TTM
49.75 USD m
EPS diluted, TTM
12.56
P/E
7.97
Compare

Price

TMP against its 20, 50 and 200-day averages
2050200beat
80.0090.00100.00226K453KMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26TMPclose 100.0920-day 100.2050-day 98.73200-day 90.05100.0952w high

4.8% under the 52-week high of 105.18 on 5 Nov 2026. 52-week low 64.16 on 17 Nov 2025. Last 15 sessions, 6.2% high to low

Profile

TMP
52-week range, 88% of the way up
64.16105.18

Tompkins Financial Corp. engages in the provision of financial services. It operates through the following segments: Banking and Wealth Management. The Banking segment consists of its banking subsidiaries, including Tompkins Trust Co., The Bank of Castile, Mahopac Bank, and VIST Bank. The Wealth Management segment consists of a comprehensive suite of financial services to customers, including trust and estate services, investment management, and insurance. The company was founded in 1995 and is headquartered in Ithaca, NY.

IndexRUT
Employees813
IPOJun 02, 1986
Beta0.74
ATR, 14d2.51
Rel volume0.21
Short float3.25%
Insider own6.69%
Inst own71.18%

Snapshot

6 groups

Valuation

IndexRUT
Market Cap1.44B
Enterprise Value-
Income180.28M
Sales394.37M
Book/sh65.48
Cash/sh-
Dividend Est.2.75 (2.74%)
Dividend TTM2.78 (2.78%)
Dividend Ex-DateNov 06, 2026
Dividend Gr. 3/5Y2.81% 3.63%
Payout22.34%
Employees813
IPOJun 02, 1986

Ratios

P/E7.97
Forward P/E12.04
PEG-
P/S3.64
P/B1.53
P/C-
P/FCF28.87
EV/EBITDA-
EV/Sales-
Quick Ratio-
Current Ratio0.13
Debt/Eq0.58
LT Debt/Eq0.43
Option/ShortYes / Yes

Earnings

EPS (ttm)12.56
EPS next Y8.31
EPS next Q2.05
EPS this Y-29.63%
EPS next Y5.06%
EPS next 5Y-7.35%
EPS past 3/5Y24.05% 16.64%
Sales past 3/5Y6.04% 3.65%
EPS Y/Y TTM113.26%
Sales Y/Y TTM-15.20%
EPS Q/Q21.04%
Sales Q/Q0.56%
EarningsOct 23 BMO
EPS/Sales Surpr.2.56% 0.23%

Ownership

Insider Own6.69%
Insider Trans0.12%
Inst Own71.18%
Inst Trans2.40%
ROA2.07%
ROE20.90%
ROIC13.42%
Gross Margin-
Oper. Margin15.78%
Profit Margin45.71%
SMA20-0.12%
SMA501.38%
SMA20011.15%
Trades-

Technical

Shs Outstand14.30M
Shs Float13.39M
Short Float3.25%
Short Ratio3.94
Short Interest0.44M
52W High105.18 -4.84%
52W Low64.16 55.99%
Volatility2.87% 2.49%
ATR (14)2.51
RSI (14)51.21
Beta0.74
Rel Volume0.21
Avg Volume110.56K
Volume14,388

Performance

Perf Week-2.45%
Perf Month4.04%
Perf Quarter-1.03%
Perf Half Y20.92%
Perf YTD38.01%
Perf Year46.90%
Perf 3Y96.63%
Perf 5Y18.47%
Perf 10Y27.66%
Recom2.00
Target Price105.50
Prev Close100.83
Price100.09
Change %-0.74%

Analyst ratings

latest 10 of 10
DateActionAnalystRating changeTargetImplied
Dec 03, 2025ResumedPPiper SandlerNeutral$74-26.1%
Dec 20, 2024ResumedPPiper SandlerNeutral$70-30.1%
Oct 02, 2024UpgradeKKeefe BruyetteMkt Perform → Outperform$59 → $68-32.1%
Jul 25, 2017UpgradeKKeefe BruyetteUnderperform → Mkt Perform
Nov 01, 2016DowngradeKKeefe BruyetteMkt Perform → Underperform
Jun 13, 2016UpgradeKKeefe BruyetteUnderperform → Mkt Perform
Apr 18, 2016DowngradeKKeefe BruyetteMkt Perform → Underperform
Apr 02, 2009InitiatedSSterne AgeeNeutral$45-55.0%
Mar 09, 2009UpgradeKKeefe BruyetteUnderperform → Mkt Perform$37 → $30-70.0%
Jan 29, 2009DowngradeKKeefe BruyetteMkt Perform → Underperform$44 → $42-58.0%

Peers

Mkt cap
TickerCompanyMkt cap
NBTBNBT Bancorp Inc2.74B
CBUCommunity Financial System Inc3.39B
FISIFinancial Institutions Inc782.27M
TRSTTrustco Bank Corp959.60M
AROWArrow Financial Corp712.40M
CHMGChemung Financial Corp414.76M
NWBINorthwest Bancshares Inc2.23B
CZNCCitizens & Northern Corp503.15M
PFISPeoples Financial Services Corp724.45M
GCBCGreene Bancorp Inc613.23M

Insider trading

9 filings
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
DeMilia David MEVP, Pres of TCB Hudson ValleyOct 16 '26Option Exercise76.9025519,6107,598Oct 19 03:56 PM
Fontaine Alyssa HEVP, General Counsel & CROSep 02 '26Option Exercise76.9080261,67410,889Sep 04 09:19 AM
McKenna John MEVP, Pres. Tompkins Comm. BankAug 07 '26Option Exercise76.9080261,67417,285Aug 10 02:24 PM
Kershaw DavidSVP, PAOAug 04 '26Option Exercise76.9026019,9945,077Aug 05 01:51 PM
ROMAINE STEPHEN SPresident & CEOJul 28 '26Option Exercise76.901,734133,34571,621Jul 30 09:18 AM
Torcello Diane DEVP & President, Tompkins WNYJul 27 '26Option Exercise76.9025019,2257,562Jul 29 04:58 PM
Rahilly Ita MDirectorMay 26 '26Buy85.901,164100,00011,849May 26 12:44 PM
SPAIN MICHAEL HDirectorJan 15 '26Option Exercise0.001,5640139,415Jan 16 08:08 AM
Rahilly Ita MDirectorNov 21 '25Buy68.361,463100,00010,511Nov 24 11:48 AM

Held by

AUM
TickerCompanyAUM
IJRiShares Core S&P Small-Cap ETFAUM: 106.27B
AVUVAvantis U.S. Small Cap Value ETFAUM: 32.39B
VTIVanguard Morningstar Total Stock Market ETFAUM: 687.42B
IWMiShares Russell 2000 Index FundAUM: 77.38B
VBVanguard Morningstar Small-Cap ETFAUM: 79.59B
DFATU.S. Targeted Value Portfolio-ETF Class Shares-
VBRVanguard Morningstar Small-Cap Value ETFAUM: 37.76B
KREState Street SPDR S&P Regional Banking ETFAUM: 4.43B
VXFVanguard Extended Market Index ETFAUM: 30.47B
IWNiShares Russell 2000 Value ETFAUM: 14.10B

News

latest 14 of 200

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2026Q32026-10-232.0001.9502.00089.8589.652
2026Q22026-07-242.0401.8202.04587.1286.932
2026Q12026-04-241.8201.7551.81783.7083.642
2025Q42026-01-306.7001.7106.704194.82136.162
2025Q32025-10-241.6501.7001.65087.4487.001
2025Q22025-07-251.5001.4301.49982.6481.101
2025Q12025-04-251.3701.3101.37481.6979.382
2024Q42025-01-311.3701.1551.37477.1174.752
2024Q32024-10-251.3001.2101.30576.5875.601
2024Q22024-07-261.1000.9001.10172.7371.301
2024Q12024-04-261.1801.1501.18572.8174.162
2023Q42024-01-261.0501.2451.05371.2174.542
2023Q32023-10-27-2.3501.090-2.35272.3672.942
2023Q22023-07-210.5901.0450.59064.5171.922
2023Q12023-04-281.3501.3201.34674.6577.072
2022Q42023-01-271.3601.4201.35675.6577.602

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2017FY4.4204.4703.428270.51272.45
2018FY5.3305.4355.352289.25287
2019FY5.3705.1705.370286.06287.5
2020FY5.2005.0605.205299.2300.4
2021FY6.0506.4356.052302.64304.2
2022FY5.8906.0405.886308.25310.95
2023FY0.6604.6800.662219.76293.55
2024FY4.9704.7504.966299.23297.28
2025FY11.2406.23511.240446.6388.4
2026FY-7.910--353.14
2027FY-8.310--377.94
2028FY-8.940--398.95

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2026Q4S2026-11-0420091.5991.4091.77
2026Q4S2026-10-2320091.7591.4092.10
2026Q4S2026-07-3120091.5090.9092.10
2026Q4S2026-07-2420091.5490.9092.18
2026Q4S2026-04-2420091.3990.6092.18
2026Q4S2026-04-1820090.7690.1091.43
2026Q4S2026-02-0221090.7690.1091.43
2026Q4S2026-01-3020089.9688.5091.43
2026Q4S2026-01-1420089.8388.5091.17
2026Q4S2025-12-0120189.8388.5091.17
2026Q4S2025-11-1110188.5088.5088.50
2026Q4S2025-11-1010188.5088.5088.50
2026Q4S2025-11-0910188.5088.5088.50
2026Q4S2025-11-0810188.5088.5088.50

Estimate history

EPS, annual3.4285.3525.375.2056.0525.8860.6624.96611.23612.5632
Period201720182019202020212022202320242025TTM
EPS, quarterly1.3051.3741.3741.4991.656.7041.8172.0451.997
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Sales, annual295.816325.876336.654328.152320.159329.322307.622435.744392.658394.37
Period201720182019202020212022202320242025TTM
Sales, quarterly112.514110.851116.392116.158121.67638.432114.503119.075122.361
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Shares, annual15.18115.22615.13814.8414.57414.42714.3114.33714.34514.299
Period201720182019202020212022202320242025MRQ
Shares, quarterly14.29814.33714.36914.36314.3614.34514.33214.3214.299
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26

Income statement, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Interest Income419.33382.07347.57297.36251.32241.32254.33261.38251.59
Total Interest Expense127.12132.34136.4787.8421.0417.5328.9950.7539.79
Net Interest Income292.21249.73211.10209.51230.28223.79225.34210.63211.80
Loan Loss Provision6.9911.536.614.342.79-2.2216.151.373.94
Net Interest Income After Loan Loss Provision285.21238.20204.49205.18227.49226.01209.19209.26207.86
Non-Interest Income-24.9610.5888.1710.2678.0078.8473.8275.2874.28
Non-Interest Expense198.01212.17199.69203.31195.78190.28185.35181.78180.86
Operating Income62.2436.6292.9812.12109.71114.5797.66102.76101.29
Unusual Expense0.000.000.000.000.000.000.000.000.00
Net Income Before Taxes250.48224.8692.9812.12109.71114.5797.67102.86104.24
Income Taxes70.2063.7822.002.5024.5625.1819.9221.0221.80
Consolidated Net Income180.28161.0770.979.5984.9188.7876.8980.5481.12
Net Income From Continuing Operations180.28161.0770.859.4684.7888.6576.7380.4180.99
Net Income180.28161.0770.859.4684.7888.6576.7380.4180.99
EPS (Recurring)12.5711.244.970.665.896.055.205.375.35
EPS (Basic, Before Extraordinaries)12.6511.304.980.665.926.085.225.395.39
EPS (Diluted)12.5611.244.970.665.896.055.205.375.35
Non-Operating Income (Expense)188.24188.240.000.000.000.000.000.102.95
Other After Tax Adjustments0.000.000.00-0.04-0.25-0.61-0.86-1.31-1.31
Stock Option Compensation Expense2.122.403.083.243.433.763.463.092.34
Price To Earnings Ratio8.038.0314.6064.0713.2413.8213.5617.0414.01
Price To Sales Ratio3.502.652.222.803.393.823.174.073.48
Operating Margin15.789.3221.343.9433.3135.7929.7630.5231.08
Net Margin45.7141.0216.263.0825.7427.6923.3823.8924.85
Shares Outstanding14.3014.3514.3414.3114.4314.5714.8415.1415.23
Market Capitalization1,446.951,446.95976.32864.311,123.651,225.221,054.141,367.011,146.00

Income statement, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q4
Interest Income109.81105.94102.67100.9198.0693.6589.4690.02
Total Interest Expense32.5131.9630.8131.8534.1833.5232.8033.74
Net Interest Income77.3073.9871.8669.0663.8860.1356.6656.28
Loan Loss Provision3.011.501.500.982.492.785.291.41
Net Interest Income After Loan Loss Provision74.2972.4870.3668.0861.3957.3551.3854.87
Non-Interest Income12.5513.1311.83-62.4823.6222.5126.9320.83
Non-Interest Expense49.0947.0747.7354.1353.9051.6252.5150.83
Operating Income37.7638.5534.47-48.5331.1128.2425.8024.87
Unusual Expense0.000.000.000.000.000.000.000.00
Net Income Before Taxes37.7638.5534.47139.7131.1128.2425.8025.73
Income Taxes9.109.248.3943.467.436.776.126.04
Consolidated Net Income28.6529.3026.0796.2523.6721.4719.6819.69
Net Income From Continuing Operations28.6529.3026.0796.2523.6721.4719.6819.66
Net Income28.6529.3026.0796.2523.6721.4719.6819.66
EPS (Recurring)2.002.041.826.701.651.501.371.37
EPS (Basic, Before Extraordinaries)2.012.061.836.741.661.511.381.38
EPS (Diluted)2.002.041.826.701.651.501.371.37
Non-Operating Income (Expense)0.000.000.00188.240.000.000.000.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.00
Stock Option Compensation Expense0.630.640.600.260.720.700.740.95
Price To Earnings Ratio8.037.746.7612.3011.9312.1712.6914.60
Price To Sales Ratio3.503.442.892.652.041.972.022.23
Operating Margin30.8632.3730.10-126.2725.5624.3122.1722.44
Net Margin23.4224.6122.77250.4419.4618.4816.9117.73
Shares Outstanding14.3014.3214.3314.3514.3614.3614.3714.34
Market Capitalization1,446.951,359.471,136.721,046.60955.52905.48909.08976.32

Balance sheet, annual

Currency USD, millions
Metric2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY
Cash & Due from Banks50.7253.6367.2118.5723.0821.25145.5185.1277.69
Investments1,858.281,667.781,775.891,985.072,380.452,011.721,334.251,527.361,589.10
Net Loans6,388.575,963.435,554.355,222.985,032.625,208.664,877.664,790.534,629.35
Investment in Unconsolidated Affiliates0.670.670.501.501.601.501.501.401.70
Customer Liability on Acceptances0.000.000.000.000.000.000.000.000.00
Net Property, Plant & Equipment98.6276.6379.6982.1485.4288.71127.8697.2087.00
Interest Receivables30.7028.8226.1124.8622.6032.0219.2920.9220.12
Other Intangible Assets240.72318.12316.00335.56274.22258.31228.14241.61243.33
Total Assets8,668.278,109.087,819.757,670.697,819.987,622.176,725.626,758.446,648.29
Total Deposits6,937.766,471.816,399.856,602.306,791.446,437.755,212.924,888.964,837.81
Total Debt687.73827.28653.10347.58190.79344.06771.401,174.781,163.61
Long Term Debt99.03145.0585.0040.00100.00248.22294.70170.86500.69
Provision for Risks Charges30.096.7318.6424.2340.7056.0749.1738.6137.73
Other Liabilities74.3289.8278.2379.1968.1166.6029.0835.2232.94
Total Liabilities7,729.897,395.647,149.817,053.307,091.046,904.486,062.576,137.566,072.09
Preferred Stock - Carrying Value0.000.000.000.000.000.000.000.000.00
Common Equity938.38713.44668.52615.98727.53716.28661.64619.46574.78
Total Shareholders Equity938.38713.44668.52615.98727.53716.28661.64619.46574.78
Accumulated Minority Interest0.000.001.411.411.411.411.411.411.42
Total Equity938.38713.44669.93617.39728.94717.69663.05620.87576.20
Total Liabilities & Stockholders Equity8,668.278,109.087,819.757,670.697,819.987,622.176,725.626,758.446,648.29
Book Value Per Share65.4149.7646.7242.7049.9248.2743.7140.6837.86
Tangible Book Value Per Share60.2343.1540.0836.0943.3341.7737.2434.1831.22
Tier 1 Capital884.66738.27699.52730.33688.42667.36624.33600.32543.51
Tier 2 Capital59.1057.9655.2750.1446.7653.3941.7845.5741.50
Full-Time Employees8131,0111,0321,0721,0741,0571,0471,0351,041
Price to Book Ratio1.541.351.411.951.671.462.091.842.09
Return on Assets1.920.890.121.091.151.071.191.210.78
Return on Equity19.5010.251.4712.6212.2811.1412.5513.568.99
Return on Invested Capital15.538.251.2612.9210.717.968.4110.254.80
Current Ratio0.070.060.040.040.040.210.070.040.02

Cash flow, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Funds from Operations63.718.4783.5298.87108.88118.69109.10105.91106.20
Extraordinary Item0.000.000.000.000.000.000.000.000.00
Changes in Working Capital-4.7030.4011.51-9.36-5.90-2.62-6.21-6.413.02
Cash from Operating Activities59.0138.8795.0289.51102.98116.07102.8999.50109.22
Capital Expenditures-9.26-6.92-12.46-6.76-8.17-4.74-4.55-6.01-18.08
Net Assets From Acquisitions0.000.000.000.000.000.000.00-0.440.00
Sale of Fixed Assets and Businesses223.15223.100.290.150.220.100.020.453.32
Purchase or Sale of Investments-106.75-82.41182.47210.84197.56-759.39-316.96204.4234.48
Purchase of Investments-781.28-812.58-55.91-391.49-183.14-1,355.80-904.91-340.74-193.96
Sale Or Maturity of Investments674.52730.17238.38602.32380.70596.41587.95545.16228.43
Other Uses0.000.00-1.260.00-0.43----
Other Sources0.001.0217.992.532.110.190.946.580.22
Cash from Investing Activities-335.33-300.73-250.50-146.81-8.08-578.19-645.23136.10-145.56
Cash Dividends Paid-38.69-36.09-35.05-34.51-33.56-32.41-31.36-30.64-29.63
Change in Capital Stock-7.14-2.58-1.19-10.02-14.78-26.87-9.52-32.73-1.32
Repurchase of Common Pref Stock-7.21-2.66-1.24-9.90-17.19-26.07-11.10-31.74-3.85
Sale of Common Pref Stock0.070.090.06-0.122.41-0.801.57-0.992.53
Proceedsfrom Stock Options0.160.120.170.000.000.001.820.003.07
Issuance or Reduction of Debt, Net14.90-167.27174.19305.52156.79-158.14-391.73-439.4711.00
Change in Long Term Debt-38.15-225.80188.15310.80167.30-159.08-397.22-417.984.33
Issuance of Long Term Debt329.61367.45804.95450.40435.9014.0074.58526.85524.49
Reduction of Long Term Debt-367.77-593.25-616.80-139.60-268.60-173.08-471.81-944.83-520.16
Net Financing Active Other Cash Flow-0.310.000.000.000.000.000.000.000.00
Cash from Financing Activities324.99260.28210.3359.00-80.17136.76792.81-178.0132.42
Net Change in Cash48.66-1.5854.861.7114.73-325.36250.4857.59-3.91
Free Cash Flow49.7531.9588.8182.7594.81111.3398.3493.4991.14
Preferred Dividends (Cash Flow)-0.000.000.000.000.000.000.000.00
Price to Free Cash Flow124.80-18.0017.8618.2515.5115.5421.8018.46
Federal Home Loan Advances Increase (Decrease)-9.95-8.54-16.00-6.725.3917.3118.57-1.76

Balance sheet, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Cash & Due from Banks81.7871.6968.6750.7277.1193.73
Investments1,844.421,816.901,836.371,858.281,753.171,749.50
Net Loans6,664.526,538.706,419.846,388.576,228.186,114.10
Investment in Unconsolidated Affiliates0.000.000.000.670.000.00
Net Property, Plant & Equipment70.2171.2471.0098.6273.8474.41
Interest Receivables32.9932.4432.0630.7029.9430.60
Other Intangible Assets284.60270.55267.83240.72306.48311.48
Total Assets8,978.528,801.528,695.768,668.278,468.738,373.82
Total Deposits7,409.047,029.117,054.176,937.767,053.076,715.80
Total Debt540.57728.07567.58687.73525.67799.81
Long Term Debt406.71546.36449.4599.0374.97104.60
Provision for Risks Charges0.000.000.0030.090.000.00
Other Liabilities92.5384.41127.2774.32101.1996.42
Total Liabilities8,042.147,841.597,749.027,729.897,679.937,612.02
Preferred Stock - Carrying Value0.000.000.000.000.000.00
Common Equity936.38959.93946.74938.38788.80761.79
Total Shareholders Equity936.38959.93946.74938.38788.80761.79
Accumulated Minority Interest0.000.000.000.000.000.00
Total Equity936.38959.93946.74938.38788.80761.79
Total Liabilities & Stockholders Equity8,978.528,801.528,695.768,668.278,468.738,373.82
Book Value Per Share65.4867.0466.0665.4154.9353.04
Tangible Book Value Per Share60.4061.9660.9860.2348.3246.44
Tier 1 Capital936.80919.22900.07884.66779.17763.41
Tier 2 Capital61.5659.74-59.1061.4160.04
Full-Time Employees---813--
Price to Book Ratio1.541.411.191.321.251.22
Return on Assets2.072.041.981.921.030.98
Return on Equity20.9020.3619.8419.5011.2011.06
Return on Invested Capital2.131.951.879.282.742.48
Current Ratio0.130.090.100.070.090.09

Cash flow, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Funds from Operations34.2527.1775.32-73.0229.1824.90
Extraordinary Item0.000.000.000.000.000.00
Changes in Working Capital3.64-42.27-1.8935.825.72-5.95
Cash from Operating Activities37.88-15.1173.44-37.2034.9018.95
Capital Expenditures-1.01-2.02-2.33-3.90-1.00-0.67
Net Assets From Acquisitions0.000.000.000.000.000.00
Sale of Fixed Assets and Businesses0.000.050.05223.050.020.03
Purchase or Sale of Investments3.32-9.15-13.55-87.380.76-5.97
Purchase of Investments-47.59-56.01-62.05-615.63-65.54-95.49
Sale Or Maturity of Investments50.9146.8748.50528.2566.3189.51
Other Uses0.000.000.000.000.000.00
Other Sources0.000.000.000.000.021.01
Cash from Investing Activities-124.22-133.12-47.51-30.49-108.35-136.47
Cash Dividends Paid-9.96-9.61-9.55-9.57-8.83-8.86
Preferred Dividends (Cash Flow)0.000.000.000.000.000.00
Change in Capital Stock-1.78-0.93-1.78-2.650.020.03
Repurchase of Common Pref Stock-1.77-0.96-1.82-2.660.000.00
Sale of Common Pref Stock-0.010.040.040.010.020.03
Proceedsfrom Stock Options0.040.040.040.030.030.03
Issuance or Reduction of Debt, Net-187.50160.49-92.44134.34-274.14183.57
Change in Long Term Debt-139.6596.91-115.00119.58-227.83179.45
Issuance of Long Term Debt0.00206.110.00123.50-32.83228.78
Reduction of Long Term Debt-139.65-109.20-115.00-3.92-195.00-49.33
Net Financing Active Other Cash Flow-0.02-0.410.000.120.00-0.10
Other Financing Activities Uses-0.02-0.410.00-0.00-0.10
Cash from Financing Activities180.72124.5412.717.0154.39137.00
Net Change in Cash94.39-23.6838.63-60.67-19.0619.49
Free Cash Flow36.87-17.1271.11-41.1033.9018.28
Price to Free Cash Flow124.80146.9124.93-16.2720.39

Revenue breakdown

Card Services Income2024: 12.06M 2025: 11.50M
Insurance Revenues2024: 39.10M 2025: 35.57M
Investment Service Income2024: 19.59M 2025: 20.12M
Other Non Interest Income2024: 1.30M 2025: 1.30M
Service Charges On Deposit Accounts2024: 7.29M 2025: 7.26M
United States2024: 79.33M 2025: 75.74M

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-303.25%0.4M13.4M106.72K
2026-10-153.50%0.5M13.4M106.53K
2026-09-303.38%0.5M13.4M106.69K
2026-09-152.48%0.3M13.4M104.03K
2026-08-312.24%0.3M13.4M97.56K
2026-08-142.10%0.3M13.4M90.19K
2026-07-312.13%0.3M13.4M83.25K
2026-07-152.06%0.3M13.4M74.97K
2026-06-302.24%0.3M13.4M71.98K
2026-06-151.86%0.2M13.4M63.06K
2026-05-291.90%0.3M13.4M61.64K
2026-05-151.63%0.2M13.4M64.79K
2026-04-301.65%0.2M13.4M72.85K
2026-04-151.44%0.2M13.4M69.98K
2026-03-311.42%0.2M13.3M66.87K
2026-03-131.22%0.2M13.3M66.99K
2026-02-271.02%0.1M13.3M65.29K
2026-02-131.08%0.1M13.3M63.00K
2026-01-300.82%0.1M13.3M55.65K
2026-01-150.95%0.1M13.3M54.64K

Option chain

expiry 2026-11-20
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
call55.0043.0047.500.003.3480.000.000.977-0.0940.008
call60.0038.0042.300.002.8880.000.000.974-0.0920.009
call65.0033.0037.500.002.5950.000.000.970-0.0900.010
call70.0028.0032.200.002.1670.000.000.965-0.0870.012
call75.0023.0027.500.001.9370.000.000.868-0.3540.033
call80.0018.0022.500.001.6370.000.000.846-0.3300.037
call85.0013.5017.400.001.3490.000.000.815-0.3020.042
call90.008.5012.500.001.0480.000.000.773-0.2680.047
call95.003.507.700.000.8130.000.000.687-0.2250.055
call1000.504.903.100.7901.000.000.523-0.2770.062
call1050.100.900.350.4135.000.000.274-0.1390.052
call1100.004.900.000.6330.000.000.210-0.1630.046
call1150.004.900.000.8160.000.000.168-0.1800.040
call1200.004.900.000.9930.000.000.150-0.2030.037
call1250.004.900.001.1290.000.000.131-0.2110.034
call1300.004.900.001.2670.000.000.120-0.2230.032
call1350.004.900.001.3960.000.000.112-0.2330.030
call1400.004.900.001.5170.000.000.105-0.2410.029
call1450.004.900.001.6880.000.000.105-0.2670.029
put55.000.004.900.002.0720.000.00-0.022-0.0950.008
put60.000.004.900.001.8070.000.00-0.025-0.0920.009
put65.000.004.900.001.5640.000.00-0.029-0.0890.010
put70.000.000.300.001.2890.000.00-0.033-0.0800.012
put75.000.004.900.051.9102.000.00-0.129-0.3510.033
put80.000.004.900.651.6121.000.00-0.150-0.3280.037
put85.000.004.902.361.3231.000.00-0.179-0.3010.042
put90.000.002.601.291.0122.000.00-0.225-0.2630.047
put95.000.002.252.500.7152.000.00-0.299-0.2170.055
put1000.105.000.000.8100.000.00-0.471-0.2740.062
put1053.307.000.000.6210.000.00-0.731-0.1350.052
put1108.1012.000.000.8860.000.00-0.814-0.1440.042
put11512.5016.900.001.0600.000.00-0.847-0.1620.037
put12017.5022.000.001.2630.000.00-0.867-0.1770.034
put12522.5027.000.001.4300.000.00-0.881-0.1880.031
put13027.5032.000.001.5840.000.00-0.891-0.1980.029
put13532.5037.000.001.7420.000.00-0.898-0.2060.028
put14037.5042.000.001.8620.000.00-0.905-0.2130.026
put14542.5047.000.001.9880.000.00-0.910-0.2200.025

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-10-3010-QQuarterly report pursuant to Section 13 or 15(d)2026-09-30SEC
2026-10-238-KCurrent report2026-10-22SEC
2026-10-194Statement of changes in beneficial ownership of securities2026-06-12SEC
2026-10-064Statement of changes in beneficial ownership of securities2026-10-02SEC
2026-10-0513F-HRFurther understand that each of 13F-HR, 13F-NT, and amendments thereto are mandatory electronic filings (hardship exemption exists to submit in paper; never used to the knowledge of IM staff);2026-09-30SEC
2026-10-054Statement of changes in beneficial ownership of securities2026-07-01SEC
2026-10-054Statement of changes in beneficial ownership of securities2026-10-02SEC
2026-10-054Statement of changes in beneficial ownership of securities2026-10-02SEC
2026-10-054Statement of changes in beneficial ownership of securities2026-10-01SEC
2026-10-054Statement of changes in beneficial ownership of securities2026-10-01SEC
2026-10-024Statement of changes in beneficial ownership of securities2026-10-01SEC
2026-09-044Statement of changes in beneficial ownership of securities2026-09-02SEC
2026-09-01N-PXAnnual Report of Proxy Voting Record of Registered Management Investment Companies filed on Form N-PX2026-06-30SEC
2026-08-104Statement of changes in beneficial ownership of securities2026-08-07SEC
2026-08-054Statement of changes in beneficial ownership of securities2026-08-04SEC
2026-08-034Statement of changes in beneficial ownership of securities2026-08-01SEC
2026-07-3110-QQuarterly report pursuant to Section 13 or 15(d)2026-06-30SEC
2026-07-304Statement of changes in beneficial ownership of securities2026-07-28SEC
2026-07-294Statement of changes in beneficial ownership of securities2026-07-27SEC
2026-07-288-KCurrent report2026-07-28SEC
2026-07-27S-3ASRAutomatic shelf registration statement of securities of well-known seasoned issuersSEC
2026-07-248-KCurrent report2026-07-23SEC
2026-07-1513F-HRFurther understand that each of 13F-HR, 13F-NT, and amendments thereto are mandatory electronic filings (hardship exemption exists to submit in paper; never used to the knowledge of IM staff);2026-06-30SEC
2026-07-064Statement of changes in beneficial ownership of securities2026-07-01SEC
2026-07-064Statement of changes in beneficial ownership of securities2026-07-01SEC
2026-07-064Statement of changes in beneficial ownership of securities2026-07-01SEC
2026-07-024Statement of changes in beneficial ownership of securities2026-07-01SEC
2026-07-024Statement of changes in beneficial ownership of securities2026-07-01SEC
2026-07-024Statement of changes in beneficial ownership of securities2026-07-01SEC
2026-06-2311-KAnnual reports of employee stock purchase, savings and similar plans pursuant to Section 15(d)2025-12-31SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-100000
2026-090000
2026-080000
2026-070000
2026-060000
2026-05100.00K100
2026-040000
2026-030000
2026-020000
2026-010000
2025-120000
2025-11100.00K100

Institutional holders

Manager% owned
BlackRock, Inc.14.25%
STATE STREET CORP8.40%
TOMPKINS FINANCIAL CORP7.68%
VANGUARD PORTFOLIO MANAGEMENT LLC5.34%
DIMENSIONAL FUND ADVISORS LP4.42%
VANGUARD CAPITAL MANAGEMENT LLC3.97%
AMERICAN CENTURY COMPANIES INC2.87%
GEODE CAPITAL MANAGEMENT, LLC2.61%
MORGAN STANLEY1.16%
NORTHERN TRUST CORP1.02%

Funds

Fund% owned
iShares Core S&P Small-Cap ETF5.30%
VANGUARD TOTAL STOCK MARKET INDEX FUND2.86%
Avantis U.S. Small Cap Value ETF2.72%
iShares Russell 2000 ETF2.50%
VANGUARD SMALL-CAP INDEX FUND2.06%
VANGUARD SMALL-CAP VALUE INDEX FUND1.31%
Fidelity Small Cap Index Fund1.05%
VANGUARD EXTENDED MARKET INDEX FUND1.01%
iShares Russell 2000 Value ETF0.91%
State Street(R) SPDR(R) Portfolio S&P 600(TM) Small Cap ETF0.81%

OakChart. TMP. Cached 15 minutes.