Tompkins Financial (FRA:8J0) Tariff Resilience Score: 9/10 (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 Tariff Resilience Score?

Tompkins Financial FRA:8J0 -1.15% 58 Tariff Resilience Score is 9 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 1,607 Banks companies, Tompkins Financial ranks better than 99.25% on this metric.

Tompkins Financial has the Tariff Resilience Score of 9, which implies that the company might have Highly Resilient.

Tompkins Financial has High resilience as a financial services company with no direct exposure to tariffs. Domestic focus and service-based model further reduce vulnerability. Industry generally unaffected by international trade tariffs.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes Tompkins Financial might have Highly Resilient.

Tompkins Financial  (FRA:8J0) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

Tompkins Financial Tariff Resilience Score Related Terms

FRA:8J0 vs PEBO, BHRB, AMAL: Tariff Resilience Score Comparison

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

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

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


FRA:8J0
58GF Score
Tompkins Financial Corp FRA:8J0
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a Tariff Resilience Score of 9 mean?
Tompkins Financial (FRA:8J0) has a Tariff Resilience Score of 9 as of Aug. 18, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, Tompkins Financial ranks #12 out of 1607 companies in the Banks industry, placing it in the top 0.7%.
Is Tompkins Financial's Tariff Resilience Score too high?
Tompkins Financial's current Tariff Resilience Score is 9. Based on the distribution chart, Tompkins Financial ranks #12 out of 1607 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 Tariff Resilience Score compare to PEBO and BHRB?
According to the Banks industry distribution chart, Tompkins Financial ranks #12 out of 1607 companies for Tariff Resilience Score. This places Tompkins Financial in the top 1% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Tariff Resilience Score for a Banks company?
A good Tariff Resilience Score depends on the Banks industry context. However, Tariff Resilience 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 Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. Tompkins Financial's current Tariff Resilience Score is 9. 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 Tariff Resilience Score is 9. 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 Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For Tompkins Financial (FRA:8J0), the current Tariff Resilience Score is 9 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:

  • Tariff Resilience Score: 9
  • 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

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

€86.00
Price
€55.74
GF Value