Tompkins Financial (FRA:8J0) ROC %: % (As of Jun. 2026)

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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.
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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.

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 ROC %?

Tompkins Financial FRA:8J0 -1.15% 58 ROC % is % as of Jun. 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.

ROC %does not apply to banks.

FRA:8J0
58GF Score
Tompkins Financial Corp FRA:8J0
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
Tompkins Financial (FRA:8J0) has a ROC % of % as of Jun. 2026. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Tompkins Financial and its competitors.
Is Tompkins Financial's ROC % too high?
Tompkins Financial's current ROC % is %. 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 ROC % compare to PEBO and BHRB?
Tompkins Financial's ROC % of % can be compared against companies in the Banks industry. The industry median ROC % is 1.76. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Banks company?
The median ROC % among Banks companies is 1.76, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % 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 ROC % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Tompkins Financial and its competitors. For the Banks industry, the median ROC % is 1.76 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tompkins Financial's current ROC % is %. 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 ROC % is %. 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 ROC % calculated?
ROC % is calculated from a company's financial statements. For Tompkins Financial (FRA:8J0), the current ROC % is % 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:

  • ROC %: %
  • 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

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

€86.00
Price
€55.74
GF Value