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Tompkins FinancialFRA:8J0 -1.15%58 5-Year Yield-on-Cost % is 3.18 as of Aug. 18, 2026, which is 6% below its 10-year median of 3.38. 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 1,255 Banks companies, Tompkins Financial ranks worse than 60.72% on this metric.
Tompkins Financial's yield on cost for the quarter that ended in Jun. 2026 was 3.18.
The historical rank and industry rank for Tompkins Financial's 5-Year Yield-on-Cost % or its related term are showing as below:
FRA:8J0'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.23 Med: 3.38 Max: 6.56
Current: 3.18
During the past 13 years, Tompkins Financial's highest Yield on Cost was 6.56. The lowest was 2.23. And the median was 3.38.
FRA:8J0's 5-Year Yield-on-Cost % is ranked worse than 60.72% of 1255
companies
in the Banks industry
Industry Median: 3.81
vs FRA:8J0: 3.18
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Tompkins Financial 5-Year Yield-on-Cost % Related Terms
FRA:8J0 vs PEBO, BHRB, AMAL: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Tompkins Financial's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Tompkins Financial's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Tompkins Financial's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Tompkins Financial (FRA:8J0) has a 5-Year Yield-on-Cost % of 3.18 as of Aug. 18, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Tompkins Financial and its competitors. This is near median its historical median of 3.38. Over the past decade, Tompkins Financial's 5-Year Yield-on-Cost % has ranged from 2.23 to 6.56. According to the industry distribution chart, Tompkins Financial ranks #762 out of 1255 companies in the Banks industry, placing it in the top 60.7%.
Is Tompkins Financial's 5-Year Yield-on-Cost % too high?
Tompkins Financial's current 5-Year Yield-on-Cost % of 3.18 is near median its 10-year median of 3.38. Over the past 10 years, this metric has ranged from a low of 2.23 to a high of 6.56. The Banks industry median 5-Year Yield-on-Cost % is 3.81. Tompkins Financial's value of 3.18 is 16.5% below this industry median. Based on the distribution chart, Tompkins Financial ranks #762 out of 1255 companies in the Banks industry, which is below 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 5-Year Yield-on-Cost % compare to PEBO and BHRB?
According to the Banks industry distribution chart, Tompkins Financial ranks #762 out of 1255 companies for 5-Year Yield-on-Cost %. This places Tompkins Financial in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.81. Tompkins Financial's value of 3.18 is 16.5% below this benchmark. Historically, Tompkins Financial's own 5-Year Yield-on-Cost % has ranged from 2.23 to 6.56 over the past decade. While the company's 10-year median is 3.38 vs. the industry median of 3.81, Tompkins Financial has consistently been below 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.81, based on 1,255 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Tompkins Financial's current 5-Year Yield-on-Cost % of 3.18 is 16.5% below 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Tompkins Financial and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tompkins Financial's current 5-Year Yield-on-Cost % is 3.18, which is near median its own 10-year median of 3.38. 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 5-Year Yield-on-Cost % is 3.18, which is near median its 10-year median of 3.38 and 16.5% below the Banks industry median of 3.81. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Tompkins Financial (FRA:8J0), the current 5-Year Yield-on-Cost % is 3.18 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:
5-Year Yield-on-Cost %: 3.18 (near median its 10-year median of 3.38)
GF Value™: €55.74 vs. price of €86.00 (54.3% above fair value)
Industry Position: 16.5% below the Banks median (#762 of 1255)
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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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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