TMP (Tompkins Financial) Margin of Safety % (DCF FCF Based): N/A (As of Aug. 18, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

TMP Tompkins Financial Corp TMP
51 GF Score
Price $100.02
GF Value $64.99
Valuation Significantly Overvalued
! 8 Warning Signs
View Full Analysis

What is Tompkins Financial Margin of Safety % (DCF FCF Based)?

Margin of Safety % (DCF FCF Based) = (Intrinsic Value: DCF (FCF Based) - Current Price) / Intrinsic Value: DCF (FCF Based).

Note: Discounted FCF model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

Tompkins Financial's Predictability Rank is 1-Star. Thus, the DCF related results in the screener and portfolio will appear as zero and Margin of Safety % (DCF FCF Based) is not calculated.

TMP vs PEBO, BHRB, AMAL: Margin of Safety % (DCF FCF Based) Comparison

For the Banks - Regional subindustry, Tompkins Financial's Margin of Safety % (DCF FCF Based), along with its competitors' market caps and Margin of Safety % (DCF FCF Based) data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Tompkins Financial Margin of Safety % (DCF FCF Based) vs Banks Industry

For the Banks industry and Financial Services sector, Tompkins Financial's Margin of Safety % (DCF FCF Based) distribution charts can be found below:

* The bar in red indicates where Tompkins Financial's Margin of Safety % (DCF FCF Based) falls into.


TMP
51GF Score
Tompkins Financial Corp TMP
Margin of Safety % (DCF FCF Based) is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Is Tompkins Financial (TMP) Overvalued in 2026?

Based on GuruFocus' analysis, Tompkins Financial stock appears to be overvalued. The current stock price of $100.02 is trading 53.9% above its estimated GF Value™ of $64.99. GuruFocus considers Tompkins Financial to be Significantly Overvalued.

Key valuation signals for TMP:

  • Margin of Safety % (DCF FCF Based): N/A
  • GF Value™: $64.99 vs. price of $100.02 (53.9% above fair value)
  • GF Score™: 51/100 with 8 warning signs

No single metric tells the full story. See the TMP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Tompkins Financial Business Description

Other Exchanges 8J0:Germany
Address 118 East Seneca Street, P.O Box 460, 6th Floor, Ithaca, NY, USA, 14851
Tompkins Financial Corp is a Financial Holding Company. The company manages its operations through two business segments, consisting of banking and wealth management. It offers various products and services, including commercial and consumer banking, leasing, trust and investment management, financial planning and wealth management, and insurance. Wealth management activities include the results of the company's trust, financial planning, and wealth management services. The company generates the majority of its revenue from the Banking segment.
51GF Score

Get the complete analysis for TMP

Margin of Safety % (DCF FCF Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$100.02
Price
$64.99
GF Value