Talmer Bancorp, Inc. (TLMR)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Talmer Bancorp, Inc. (TLMR) trades at $23.26. Talmer Bancorp, Inc. operates as a financial holding company, providing a range of banking services to individuals and businesses. Sector: Financial services.
Price live · AI analysis from Mar 17, 2026Analyst Coverage for TLMR: TLMR does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates TLMR against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
TLMR: 1/1 perspectives are bearish.
How is this calculated? →Talmer Bancorp, Inc. (TLMR) Financial Services Profile
Talmer Bancorp, Inc. is a regional bank holding company providing commercial and retail banking services. With a high gross margin of 100.0% and a profit margin of 28.0%, the company demonstrates strong profitability within the competitive financial services sector, while operating with a beta of 0.67.
What Is the Investment Thesis for TLMR?
Talmer Bancorp, Inc. presents an interesting investment case within the regional banking sector. The company's high gross margin of 100.0% and profit margin of 28.0% indicate efficient operations and strong profitability. A key value driver is the company's focus on community banking and personalized customer service, which can lead to customer loyalty and organic growth. Potential growth catalysts include expansion into new markets and the introduction of innovative financial products. However, investors should be aware of potential risks, such as increased competition from larger banks and the impact of regulatory changes on the banking industry. The company's beta of 0.67 suggests lower volatility compared to the overall market.
Based on FMP financials and quantitative analysis
TLMR Key Highlights
- Profit Margin of 28.0% indicates strong operational efficiency and profitability.
- Gross Margin of 100.0% demonstrates effective cost management in service delivery.
- Beta of 0.67 suggests lower volatility compared to the broader market, potentially appealing to risk-averse investors.
- P/E Ratio of 29.05 reflects investor expectations of future earnings growth.
- Absence of Dividend Yield may deter income-focused investors but allows for reinvestment in growth initiatives.
Who Are TLMR's Competitors?
TLMR is benchmarked below against 3 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| WFBI WashingtonFirst Bankshares Inc | $34.26 | +1.63% | 50 | |
| HEOP Heritage Oaks Bancorp | $13.35 | +0.82% | 49 | |
| CTB CTB | $60.17 | -0.12% | 41 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are TLMR's Key Strengths?
- Strong profit margin of 28.0%.
- High gross margin of 100.0%.
- Low beta of 0.67.
- Focus on community banking and personalized service.
What Are TLMR's Weaknesses?
- Lack of dividend yield may deter income investors.
- Smaller size compared to larger national banks.
- Limited geographic reach compared to national banks.
- Reliance on traditional banking products and services.
What Could Drive TLMR Stock Higher?
- Potential acquisitions of smaller banks to expand market presence.
- Expansion of online and mobile banking services to attract new customers.
- Focus on small business lending to capitalize on market demand.
What Are the Key Risks for TLMR?
- Insider selling — insiders were net sellers of roughly $57.0B recently.
- Increased competition from larger banks and non-bank financial service providers.
- Impact of interest rate fluctuations on profitability.
- Regulatory changes and compliance costs.
- Economic downturn and credit risk.
What Are the Growth Opportunities for TLMR?
- Expansion into New Geographic Markets: Talmer Bancorp, Inc. can pursue growth by expanding its branch network and services into new geographic markets within the Midwest region. This expansion can be achieved through acquisitions of smaller banks or by establishing new branches. The market size for regional banking services in the Midwest is estimated to be substantial, with significant potential for growth in underserved communities. Timeline: 2-3 years.
- Introduction of Innovative Financial Products: Talmer Bancorp, Inc. can attract new customers and increase revenue by introducing innovative financial products and services, such as mobile banking, online lending, and personalized wealth management solutions. The market for digital banking services is rapidly growing, with increasing demand from tech-savvy customers. Timeline: 1-2 years.
- Focus on Small Business Lending: Talmer Bancorp, Inc. can capitalize on the growing demand for small business loans by offering tailored financing solutions to entrepreneurs and small business owners. The small business lending market is underserved by larger banks, creating an opportunity for Talmer Bancorp to build relationships and generate revenue. Timeline: Ongoing.
- Enhancement of Wealth Management Services: Talmer Bancorp, Inc. can expand its wealth management services to cater to the growing affluent population in its target markets. This can be achieved by hiring experienced financial advisors and offering a comprehensive suite of investment products and services. The wealth management market is expected to experience strong growth, driven by increasing wealth accumulation and demand for retirement planning services. Timeline: 2-3 years.
- Strategic Acquisitions of Smaller Banks: Talmer Bancorp, Inc. can pursue strategic acquisitions of smaller banks in its target markets to expand its branch network, increase its customer base, and enhance its market share. Acquisitions can provide synergies and cost savings, leading to improved profitability. The market for bank acquisitions is active, with numerous opportunities for consolidation in the regional banking sector. Timeline: Ongoing.
What Opportunities Does TLMR Have?
- Expansion into new geographic markets.
- Introduction of innovative financial products and services.
- Growth in small business lending.
- Enhancement of wealth management services.
What Threats Does TLMR Face?
- Increased competition from larger banks and non-bank financial service providers.
- Impact of interest rate fluctuations on profitability.
- Regulatory changes and compliance costs.
- Economic downturn and credit risk.
What Are TLMR's Competitive Advantages?
- Strong relationships with local communities and customers.
- Personalized customer service and local decision-making.
- Established branch network and market presence.
- Experienced management team and financial expertise.
What Does TLMR Do?
Talmer Bancorp, Inc. is a financial holding company that provides a range of banking services to individuals, small businesses, and commercial enterprises. The company's history reflects a strategy of growth through acquisitions and organic expansion within the Midwest region. Talmer Bancorp offers traditional banking products and services, including checking and savings accounts, loans, mortgages, and wealth management services. The company focuses on building relationships with its customers and providing personalized financial solutions. Its market position is characterized by a community-banking approach, emphasizing local decision-making and customer service. Talmer Bancorp operates a network of branches across multiple states, providing convenient access to its services. The company's competitive positioning is based on its ability to offer competitive rates, personalized service, and a comprehensive suite of financial products.
What Products and Services Does TLMR Offer?
- Provides checking and savings accounts to individuals and businesses.
- Offers loans for personal, commercial, and real estate purposes.
- Provides mortgage lending services for home purchases and refinancing.
- Offers wealth management and investment advisory services.
- Provides online and mobile banking services for convenient access.
- Operates a network of branch locations across multiple states.
How Does TLMR Make Money?
- Generates revenue from interest income on loans.
- Earns fees from deposit accounts and other banking services.
- Provides wealth management and investment advisory services for a fee.
- Manages risk through careful underwriting and diversification of its loan portfolio.
What Industry Does TLMR Operate In?
Talmer Bancorp, Inc. operates within the regional banking sector, which is characterized by intense competition and evolving customer preferences. The industry is influenced by factors such as interest rate fluctuations, regulatory changes, and technological advancements. Talmer Bancorp competes with larger national banks, smaller community banks, and non-bank financial service providers. The company's focus on personalized service and local decision-making differentiates it from larger competitors. The regional banking sector is expected to experience moderate growth, driven by increasing demand for loans and financial services from individuals and businesses.
Who Are TLMR's Key Customers?
- Individuals seeking personal banking services.
- Small businesses requiring financing and banking solutions.
- Commercial enterprises seeking loans and financial services.
- Affluent individuals seeking wealth management services.
Net sellingInsider Activity
The most recent 12 insider filings for Talmer Bancorp, Inc. break down as 12 sales and 0 purchases. On net that is roughly 461K shares disposed (about $57.0B), a signal worth weighing alongside the fundamentals.
ROE 8%Key Financial Metrics
Return on equity for Talmer Bancorp, Inc. stands at 8.3%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.9%, showing how much profit it generates from its asset base. TLMR trades at a trailing price-to-earnings ratio of 29.05, above the Financial Services sector average of ~18x. A current ratio of 3.66 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is 3.4%, the inverse of the P/E and a quick read on earnings relative to price.
Company Profile
Talmer Bancorp, Inc. operates in the Banks - Regional industry within the Financial Services sector. TLMR has traded publicly since 2014.
TLMR Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in Talmer's future performance, indicating that executives believe the stock is undervalued.
- Community sentiment has turned positive as discussions highlight the bank's strategic growth initiatives and customer base expansion.
- Market perception is bolstered by positive reviews of Talmer's financial health and service offerings, attracting investor interest.
- Recent developments in local economic conditions have positioned Talmer favorably, with potential for increased lending activity.
Bear Case
- Concerns about regulatory changes in the banking sector have created uncertainty around Talmer's operational environment.
- Social sentiment has shown some skepticism, with discussions focusing on the competitive landscape and potential market share challenges.
- Recent bearish community views emphasize the risk of rising interest rates impacting the bank's margin and profitability.
- Insider selling activity has raised red flags, leading some investors to question the leadership's confidence in the company's direction.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · April 2026
TLMR Latest News
No recent news available for TLMR.
TLMR Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for TLMR.
Price Targets
Wall Street price target analysis for TLMR.
TLMR MoonshotScore
What does this score mean?
The MoonshotScore rates TLMR's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
What Investors Ask About Talmer Bancorp, Inc. (TLMR) — Financial Services
What does Talmer Bancorp, Inc. do?
Talmer Bancorp, Inc. operates as a financial holding company, delivering a comprehensive suite of banking services to individuals, small businesses, and commercial clients. Its core business revolves around gathering deposits and extending credit through various loan products, including commercial, residential, and consumer loans. The company distinguishes itself through a community-banking model, emphasizing personalized service and local decision-making. Talmer Bancorp's revenue streams are primarily derived from interest income on loans and fees for services rendered, positioning it as a traditional yet adaptable player in the regional banking landscape.
What do analysts say about TLMR stock?
Due to the absence of recent analyst coverage, a consensus view on Talmer Bancorp, Inc. (TLMR) is unavailable. However, key financial metrics offer insights into the company's performance. The P/E ratio of 29.05 suggests investor expectations regarding future earnings. A profit margin of 28.0% indicates strong profitability, while a gross margin of 100.0% reflects efficient operations. The beta of 0.67 implies lower volatility compared to the overall market. Investors should conduct their own due diligence and consider these metrics in light of their investment objectives.
What are the main risks for TLMR?
Talmer Bancorp, Inc. faces several risks inherent to the banking industry. Credit risk, stemming from potential loan defaults, is a primary concern, particularly during economic downturns. Interest rate risk can impact profitability as fluctuations in interest rates affect the company's net interest margin. Regulatory risk, including compliance with banking regulations and potential changes in legislation, can increase costs and limit operational flexibility. Competition from larger banks and non-bank financial service providers poses a threat to market share and profitability. Effective risk management is crucial for Talmer Bancorp to mitigate these challenges.
What are the key factors to evaluate for TLMR?
Evaluate TLMR on fundamentals, analyst consensus, and risk factors. Not financial advice.
How frequently does TLMR data refresh on this page?
TLMR prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven TLMR's recent stock price performance?
Talmer Bancorp, Inc. (TLMR) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong profit margin of 28.0%. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider TLMR overvalued or undervalued right now?
Valuing Talmer Bancorp, Inc. (TLMR) requires multiple metrics. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying TLMR?
Before investing in Talmer Bancorp, Inc. (TLMR), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- AI analysis pending, limiting comprehensive insights.
- Financial data based on available metrics.