Tompkins Financial (FRA:8J0) Moat Score: 3/10 (As of Aug. 18, 2026)

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FRA:8J0 Tompkins Financial Corp FRA:8J0
58 GF Score
Price €86.00
GF Value €55.74
Valuation Significantly Overvalued
! 8 Warning Signs
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What is Tompkins Financial Moat Score?

Tompkins Financial FRA:8J0 -1.15% 58 Moat Score is 3 as of Aug. 18, 2026. GuruFocus rates FRA:8J0 with a GF Score™ of 58/100 and a GF Value™ of €55.74 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 1,610 Banks companies, Tompkins Financial ranks better than 74.66% on this metric.

Tompkins Financial has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Tompkins Financial has No Moat: Tompkins Financial Corp operates in a competitive regional banking market with limited differentiation. The company lacks significant network effects, intellectual property, or regulatory barriers to establish a durable competitive advantage.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Tompkins Financial might have No Moat - Very weak/transient advantages.

Tompkins Financial  (FRA:8J0) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Tompkins Financial Moat Score Related Terms

FRA:8J0 vs PEBO, BHRB, AMAL: Moat Score Comparison

For the Banks - Regional subindustry, Tompkins Financial's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Tompkins Financial's Moat Score distribution charts can be found below:

* The bar in red indicates where Tompkins Financial's Moat Score falls into.


FRA:8J0
58GF Score
Tompkins Financial Corp FRA:8J0
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Tompkins Financial (FRA:8J0) has a Moat Score of 3 as of Aug. 18, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Tompkins Financial ranks #408 out of 1610 companies in the Banks industry, placing it in the top 25.3%.
Is Tompkins Financial's Moat Score too high?
Tompkins Financial's current Moat Score is 3. Based on the distribution chart, Tompkins Financial ranks #408 out of 1610 companies in the Banks industry, which is above the industry midpoint. Overall, Tompkins Financial has a GF Score™ of 58/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Tompkins Financial's Moat Score compare to PEBO and BHRB?
According to the Banks industry distribution chart, Tompkins Financial ranks #408 out of 1610 companies for Moat Score. This puts Tompkins Financial in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Tompkins Financial's current Moat Score is 3. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Tompkins Financial stock overvalued right now?
Based on GuruFocus' analysis, Tompkins Financial (FRA:8J0) is currently considered Significantly Overvalued. The stock's GF Value™ is €55.74, compared to a current price of €86.00 — trading 54.3% above its estimated fair value. The current Moat Score is 3. Tompkins Financial's overall GF Score™ is 58/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Tompkins Financial (FRA:8J0), the current Moat Score is 3 as of Aug. 18, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Tompkins Financial (FRA:8J0) Overvalued in 2026?

Based on GuruFocus' analysis, Tompkins Financial stock appears to be overvalued. The current stock price of €86.00 is trading 54.3% above its estimated GF Value™ of €55.74. GuruFocus considers Tompkins Financial to be Significantly Overvalued.

Key valuation signals for FRA:8J0:

  • Moat Score: 3
  • GF Value™: €55.74 vs. price of €86.00 (54.3% above fair value)
  • GF Score™: 58/100 with 8 warning signs

No single metric tells the full story. See the FRA:8J0 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Tompkins Financial Business Description

Other Exchanges TMP:USA
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.
58GF Score

Get the complete analysis for FRA:8J0

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€86.00
Price
€55.74
GF Value