Tompkins Financial Corporation
Tompkins Financial Corporation (AMEX: TMP) is trading at $99.57, about ₹9,561 at today's USD/INR rate, as of 25 Sep 2026, 4:00 PM ET, up 1.46% today. Indian residents can buy Tompkins Financial from India on Paasa under the RBI's Liberalised Remittance Scheme.
Quote
Today's low
$98.57
Today's high
$99.75
52 week low
$61.88
52 week high
$102.59
TMP opened at $98.72, closed previously at $98.14, and has traded between $61.88 and $102.59 over the past 52 weeks.
About
Tompkins Financial Corporation functions as a financial holding entity, offering a comprehensive array of services that include commercial and retail banking, leasing, trust and investment management, financial planning, wealth management, and insurance solutions. Its operations are strategically divided into three main segments: Banking, Insurance, and Wealth Management. The corporation provides a diverse selection of deposit products, such as checking, savings, and time accounts, alongside IRA options, and specialized brokered, reciprocal, and municipal money market deposits. It also extends a wide range of lending solutions. For businesses, these include financing for real estate, construction, and equipment, accounts receivable funding, and commercial leasing. For individuals and businesses alike, it offers residential mortgages, personal loans, home equity loans, commercial and industrial loans, commercial real estate loans, and agricultural loans. Consumer-specific financing encompasses personal installment loans, direct and indirect automobile loans, and overdraft lines of credit. Additional services provided include letters of credit and sweep accounts, credit and debit cards, and modern banking conveniences such as deposit and cash management, internet and mobile banking platforms, remote deposit capture, safe deposit boxes, voice response systems, and ATM access. Beyond banking, Tompkins Financial delivers investment management, trust and estate administration, and financial and tax planning services. Its insurance offerings span property and casualty, medical, life, disability, and long-term care policies, further enhanced by employee benefit consulting and general insurance planning. The company primarily serves a varied clientele, including individual consumers, corporate executives, small business owners, and high-net-worth individuals. Tompkins Financial operates through a network of 63 banking branches, with 43 situated in New York and 20 in Pennsylvania. Founded in 1836, the corporation is headquartered in Ithaca, New York.
Key statistics
Avg. volume
98.38K
Market cap
$1.43B
P/E Ratio
8.10
Price-to-sales ratio
2.93
Enterprise value
$2.09B
Free cash flow yield
3.61%
Debt-to-equity ratio
0.76
Return on equity
19.30%
ROIC
6.93%
Beta
0.71
Dividend yield
2.70%
Last dividend
$2.69
Financial overview
Revenue
$578.94M
Earnings per share
$11.30
Free cash flow
$31.95M
Net profit margin
35.82%
Gross margin
72.60%
EBITDA
$233.47M
Revenue growth
34.12%
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This is not an investment recommendation
How to buy Tompkins Financial from India
Indian residents can buy Tompkins Financial shares through Paasa in four steps. Funds leave India under the RBI's Liberalised Remittance Scheme and the shares are held in your own name with Interactive Brokers.
Open a Paasa account
Complete digital KYC with your PAN, Aadhaar and address proof. Your brokerage account is opened in your own name with Interactive Brokers.
Add funds under LRS
Transfer INR from your Indian bank account. Your bank reports the remittance under the RBI's Liberalised Remittance Scheme and converts it to US dollars.
Search for Tompkins Financial and place an order
Find Tompkins Financial by name or by its ticker, TMP, and choose an order type. You can buy by amount or by quantity — fractional shares mean there is no minimum trade size. Tompkins Financial trades 7:00 pm – 1:30 am IST; orders can only execute during that window.
Track holdings and download tax reports
Follow your Tompkins Financial position in USD and INR, and use Paasa's capital-gains and dividend statements when you file your Indian return.
Read the full guide: how to invest in Tompkins Financial from India
Trading and taxes when buying Tompkins Financial from India
Trading and limits
- Trading hours
- 9:30 am – 4:00 pm ET
- LRS limit
- $250,000Per financial year, under the RBI's Liberalised Remittance Scheme.
Tax for Indian residents
- TCS on remittance
- 20%Collected by your bank on LRS remittances above ₹10 lakh in a financial year. The TCS is adjustable against your income-tax liability.Adjusting TCS against your tax
- Capital gains in India
- 12.5% or slab rateGains on shares held for more than 24 months are long-term and taxed at 12.5%. Gains on shares held for 24 months or less are short-term and taxed at your income-tax slab rate.Capital gains explained
- Dividends
- Slab rateDividends are taxed at your slab rate in India. The US withholds tax on dividends paid to Indian residents at the treaty rate; Paasa files Form W-8BEN for you, and the tax withheld can generally be claimed as a credit in India. Tompkins Financial’s current yield is 2.70%.Dividend tax explained
- US estate tax
- May applyUS-situs assets such as US-listed shares can be exposed to US estate tax for non-US persons.US estate tax calculator
Custody. Shares are held in your own name at Interactive Brokers LLC and are SIPC-insured up to $500,000 in total, including $250,000 for cash.
FAQs
Can Indian residents buy Tompkins Financial stock?
Yes. Tompkins Financial (TMP) has been listed on NYSE American since 1986, in the Banks - Regional industry, and Indian residents can buy it through Paasa. You fund the account from your Indian bank under the RBI's Liberalised Remittance Scheme and the money is converted to US dollars. Shares are held in your own name at Interactive Brokers LLC and are SIPC-insured up to $500,000 in total, including $250,000 for cash.
How much does one Tompkins Financial share cost in rupees?
One Tompkins Financial share is $99.57 — about ₹9,561 at a USD/INR rate of 96.02 on 24 Sep 2026. Both the Tompkins Financial price and the rupee rate move during the day, so the rupee cost changes with them.
What are the LRS and TCS rules for buying Tompkins Financial from India?
Remit up to $250,000 per financial year under the RBI's Liberalised Remittance Scheme (LRS). Banks collect 20% tax at source on LRS remittances above ₹10 lakh in a financial year; the TCS is adjustable against your income-tax liability. FX and the LRS declaration are handled by your bank when you fund your account.
Can I buy whole shares of Tompkins Financial?
Yes. One Tompkins Financial share is $99.57, and you can buy as many whole shares as you like. You can also buy by amount rather than by quantity: there is no minimum trade size, and Paasa supports fractional investing in Tompkins Financial.
How are gains on Tompkins Financial shares taxed in India?
The US does not levy capital gains tax on shares for Indian residents, so the tax is an India-side one. Gains on shares held for more than 24 months are long-term and taxed at 12.5%. Gains on shares held for 24 months or less are short-term and taxed at your income-tax slab rate. The gain is computed in rupees using the USD/INR rate on the purchase and the sale date, so the rupee move counts alongside the Tompkins Financial price. Paasa issues a capital-gains statement for your return.
Does Tompkins Financial pay a dividend, and how is it taxed in India?
Yes. Tompkins Financial pays a dividend and the current yield is 2.70%; the last declared dividend was $2.69 per share, about ₹258.29. Dividends are taxed at your slab rate in India. The US withholds tax on dividends paid to Indian residents at the treaty rate; Paasa files Form W-8BEN for you, and the tax withheld can generally be claimed as a credit in India. Paasa's dividend report lists the gross dividend and any tax withheld for each payment.
When can I trade Tompkins Financial from India?
NYSE American trades 7:00 pm – 1:30 am IST in Indian time, so the close lands after midnight. The window shifts to 8:00 pm – 2:30 am IST when the US is on standard time. Orders can only execute during that window.
Is there estate or inheritance tax on Tompkins Financial shares held from India?
US-situs assets such as US-listed shares can be exposed to US estate tax for non-US persons. It applies to your overall holdings in that jurisdiction rather than to any one position. Paasa's US estate tax calculator shows the exposure for a given portfolio value.
Do I have to declare Tompkins Financial shares in my Indian tax return?
Yes. Foreign shares held on 31 March must be reported in Schedule FA of your Indian income-tax return. Paasa gives you a Schedule FA-ready statement listing your Tompkins Financial holding, its cost and its closing value.
How do I sell Tompkins Financial and bring the money back to India?
You sell during market hours (7:00 pm – 1:30 am IST) and the proceeds settle in USD in your Paasa account. From there you can hold the balance, reinvest, or repatriate. Funds can be withdrawn in any currency to any bank account in your own name. Whether the sale is short- or long-term is decided by the 24-month holding period.