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Tompkins FinancialFRA:8J0 -1.15%58 Net Margin % is 33.64% as of Jun. 2026, which is 24% above its 10-year median of 27.11. 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 1,527 Banks companies, Tompkins Financial ranks better than 98.49% on this metric.
Tompkins Financial (FRA:8J0) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Tompkins Financial Net Margin % Related Terms
Tompkins Financial Net Margin % Historical Data
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The historical data trend for Tompkins Financial's Net Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
FRA:8J0 vs PEBO, BHRB, AMAL: Net Margin % Comparison
For the Banks - Regional subindustry, Tompkins Financial's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Tompkins Financial's Net Margin % distribution charts can be found below:
* The bar in red indicates where Tompkins Financial's Net Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Tompkins Financial (FRA:8J0) has a Net Margin % of 33.64% as of Jun. 2026. Net margin is the ratio of total net income to net sales. View historical data on Tompkins Financial and its competitors. This is 24% above median its historical median of 27.11. Over the past decade, Tompkins Financial's Net Margin % has ranged from 4.41 to 67.28. According to the industry distribution chart, Tompkins Financial ranks #23 out of 1527 companies in the Banks industry, placing it in the top 1.5%.
Is Tompkins Financial's Net Margin % too high?
Tompkins Financial's current Net Margin % of 33.64% is 24% above median its 10-year median of 27.11. Over the past 10 years, this metric has ranged from a low of 4.41 to a high of 67.28. The Banks industry median Net Margin % is 27.20. Tompkins Financial's value of 33.64% is 23.7% above this industry median. Based on the distribution chart, Tompkins Financial ranks #23 out of 1527 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Net Margin % compare to PEBO and BHRB?
According to the Banks industry distribution chart, Tompkins Financial ranks #23 out of 1527 companies for Net Margin %. This places Tompkins Financial in the top 2% of its industry — outperforming the majority of peers. The industry median Net Margin % is 27.20. Tompkins Financial's value of 33.64% is 23.7% above this benchmark. Historically, Tompkins Financial's own Net Margin % has ranged from 4.41 to 67.28 over the past decade. While the company's 10-year median is 27.11 vs. the industry median of 27.20, Tompkins Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.20, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Tompkins Financial's current Net Margin % of 33.64% is 23.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Tompkins Financial and its competitors. For the Banks industry, the median Net Margin % is 27.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tompkins Financial's current Net Margin % is 33.64%, which is 24% above median its own 10-year median of 27.11. 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 Net Margin % is 33.64%, which is 24% above median its 10-year median of 27.11 and 23.7% above the Banks industry median of 27.20. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Tompkins Financial (FRA:8J0), the current Net Margin % is 33.64% as of Jun. 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:
Net Margin %: 33.64% (24% above median its 10-year median of 27.11)
GF Value™: €55.74 vs. price of €86.00 (54.3% above fair value)
Industry Position: 23.7% above the Banks median (#23 of 1527)
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 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
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