Hippo vs Tompkins Financial

This page compares Hippo Holdings Inc and Tompkins Financial Corp, outlining business models, financial performance, and market context in a neutral, accessible way, to help readers understand how each institution approaches growth and risk. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

HIPO

Metric

TMP

$763.10M

Market Cap

$1.08B

28.29%

Potential Profit

-1.60%

Buy

Analyst Rating

Buy

Investment Analysis

Hippo

HIPO

Pros

Hippo Holdings has demonstrated positive free cash flow in recent quarters, indicating improving operational efficiency.
The company maintains a relatively strong balance sheet with assets significantly exceeding liabilities as of mid-2025.
Hippo's market capitalisation remains stable, reflecting continued investor interest in its digital insurance model.

Considerations

Hippo has reported negative returns on assets, equity, and invested capital, suggesting ongoing profitability challenges.
Free cash flow has been volatile, with several recent quarters showing negative figures, raising concerns about sustainability.
The company's share count has increased steadily, which may dilute existing shareholders' value over time.

Tompkins Financial

TMP

Pros

Tompkins Financial operates across three diversified segments—banking, insurance, and wealth management—providing resilience against sector-specific downturns.
The company benefits from a stable regional banking franchise with a long-standing reputation and customer base.
Tompkins Financial has a history of consistent dividend payments, appealing to income-focused investors.

Considerations

As a regional financial institution, Tompkins is exposed to local economic fluctuations and interest rate sensitivity.
Growth potential may be limited compared to larger national competitors due to its regional focus and smaller scale.
The company faces ongoing regulatory and compliance costs associated with banking and insurance operations.

About The Companies

Hippo (HIPO)

Hippo Holdings Inc (HIPO) is a US‑focused insurtech that offers digitally driven home insurance and related products. It combines data analytics, smart‑home integrations and direct online distribution to undercut traditional agents and speed policy issuance. Hippo earns revenue from premiums and reinsurance arrangements while investing in customer acquisition, technology and loss prevention services. For investors, key strengths include a modernised distribution model, potential margin improvement from underwriting discipline, and cross‑sell opportunities for ancillary products. Key risks are underwriting losses from severe weather events, reliance on reinsurance markets, ongoing need for capital to scale profitably, and intense competition from incumbents and other digital insurers. The company’s market capitalisation is modest, reflecting both growth potential and execution risk. This summary is educational only — not personalised investment advice. Values can fall as well as rise, and past performance does not predict future returns; investors should assess their own goals and risk tolerance before considering any position.

Tompkins Financial (TMP)

Tompkins Financial Corporation is a community-focused financial services company based in the United States. It primarily serves regions across New York and Pennsylvania through its main segments: banking and wealth management. The banking division offers a comprehensive suite of services, including personal and commercial loans, deposits, credit cards, and digital banking solutions. It has a notable presence in agricultural and real estate lending within its operating areas. The wealth management arm, operating as Tompkins Financial Advisors, provides individuals and businesses with investment management, financial planning, and trust and estate services. This dual focus allows the organisation to cater to a broad spectrum of financial needs, from everyday banking to long-term wealth strategy. For potential investors, it represents a regionally-focused financial institution with a diversified business model. However, like any investment, its value can go down as well as up, and past performance is not indicative of future returns.

Which Baskets Do They Appear In?

Climate-Risk Underwriters

These innovative companies are turning climate uncertainty into a measurable market opportunity. Our analysts have carefully selected insurtech pioneers who use advanced data and AI to manage environmental risks that traditional insurers avoid.

Published: June 17, 2025

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Which Baskets Do They Appear In?

Climate-Risk Underwriters

Published: June 17, 2025

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Hippo vs Tompkins Financial

Comparison Snapshot