TOMPKINS FINANCIAL CORP TMP

Financials SIC 6022 - State Commercial Banks NAICS Finance and Insurance › Credit Intermediation and Related Activities › Depository Credit Intermediation › Commercial Banking derived NYSE

Tompkins Financial Corporation ("Tompkins" or the "Company") is headquartered in Ithaca, New York and is registered as a Financial Holding Company with the Federal Reserve Board under the Bank Holding Company Act of 1956, as amended. The Company is a locally-oriented, community-based financial services organization that offers a full array of products and services, including commercial and consumer banking, leasing, trust and investment management, financial planning and wealth management services. At December 31, 2025, the Company had one wholly-owned banking subsidiary, Tompkins Community Bank. Banking services consist primarily of attracting deposits from the areas served by Tompkins Community Bank's 54 banking offices (38 offices in New York and 16 offices in Pennsylvania), and using those deposits to originate a variety of commercial loans, agricultural loans, consumer loans, real estate loans, and leases in those same areas. Tompkins Community Bank provides a full array of trust and wealth management services under the Tompkins Financial Advisors brand, including investment management, trust and estate, financial and tax planning. The Company previously provided insurance services through its wholly-owned insurance subsidiary, Tompkins Insurance Agencies, Inc. ("TIA"), but on October 31, 2025, the Company sold all of the issued and outstanding shares of the capital stock of TIA, to Arthur J. Gallagher Risk Management Services, LLC ("Gallagher"). The Company's principal offices are located at 118 E. Seneca St., P.O. Box 460, Ithaca, New York, 14850, and its telephone number is (888) 503-5753. The Company's common stock is traded on the NYSE American under the symbol "TMP."

Last close 101.20 2026-10-23
Market cap $1.46B 2026-06-30 share count
52-week range 62.98 - 102.80

Valuation FY2025 figures against the last close

P/S19.2x
P/E9.0x
P/FCF45.6x
EV/EBITDA—
Dividend yield2.5%
Diluted EPS11.24

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue $75.7M$79.3M$75.0M$74.0M$72.6M$65.7M$67.6M$66.0M$226.8M$202.7M
Interest expense $249.7M$211.1M$209.5M$230.3M$17.5M$29.0M$50.8M$39.8M$25.5M$22.1M
Pre-tax income $224.9M$93.0M$12.1M$109.7M$114.6M$97.7M$102.9M$104.2M$95.2M$86.5M
Income tax $63.8M$22.0M$2.5M$24.6M$25.2M$19.9M$21.0M$21.8M$42.6M$27.0M
Net income $161.1M$70.8M$9.5M$85.0M$89.3M$77.6M$81.7M$82.3M$52.5M$59.3M
EPS, basic 11.304.980.665.926.085.225.395.393.463.94
EPS, diluted 11.244.970.665.896.055.205.375.353.433.91
Shares, diluted (wtd. avg.) 14.3M14.3M14.3M14.4M14.6M14.7M15.0M15.1M15.1M14.9M

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Cash and equivalents $132.8M$134.4M$79.5M$77.8M$63.1M$388.5M$138.0M$80.4M$84.3M$64.0M
Property, plant and equipment $72.4M$76.6M$79.7M$82.1M$85.4M$88.7M$94.4M$97.2M$87.0M$70.0M
Goodwill $72.7M$92.6M$92.6M$92.6M$92.4M$92.4M$92.4M$92.3M$92.3M$92.6M
Other intangibles $1.7M$2.2M$2.3M$2.7M$3.6M$4.9M$6.2M$7.6M$9.3M$11.3M
Total assets $8.67B$8.11B$7.82B$7.67B$7.82B$7.62B$6.73B$6.76B$6.65B$6.24B
Total liabilities $7.73B$7.40B$7.15B$7.05B$7.09B$6.90B$6.06B$6.14B$6.07B$5.69B
Retained earnings $662.2M$537.2M$501.5M$526.7M$475.3M$418.4M$370.5M$319.4M$265.0M$230.2M
Total equity $938.4M$713.4M$669.9M$617.4M$728.9M$717.7M$663.1M$620.9M$576.2M$549.4M

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating cash flow $38.9M$95.0M$89.0M$103.3M$121.2M$101.4M$101.6M$107.3M$86.1M$90.9M
Stock-based compensation $3.5M$4.6M$4.1M$4.3M$5.1M$4.7M$4.2M$3.5M$3.0M$2.3M
Capital expenditure $6.9M$6.2M$6.8M$8.2M$4.7M$4.6M$6.0M$18.1M$35.3M$16.3M
Investing cash flow -$300.7M-$250.4M-$146.3M-$8.4M-$583.3M-$643.7M$134.0M-$143.6M-$427.0M-$573.5M
Financing cash flow $260.3M$210.3M$59.0M-$80.2M$136.8M$792.8M-$178.0M$32.4M$361.2M$488.3M
Dividends paid $36.1M$35.0M$34.5M$33.6M$32.4M$31.4M$30.6M$29.6M$27.6M$26.6M
Buybacks $1.6M$0$8.7M$15.4M$23.8M$9.4M$29.9M$2.4M$0$1.2M

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001140361-26-013350.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. 0 100M 200M 300M Revenue, FY2016: 202.7M Net income, FY2016: 59.3M Revenue, FY2017: 226.8M Net income, FY2017: 52.5M Revenue, FY2018: 66M Net income, FY2018: 82.3M Revenue, FY2019: 67.6M Net income, FY2019: 81.7M Revenue, FY2020: 65.7M Net income, FY2020: 77.6M Revenue, FY2021: 72.6M Net income, FY2021: 89.3M Revenue, FY2022: 74M Net income, FY2022: 85M Revenue, FY2023: 75M Net income, FY2023: 9.5M Revenue, FY2024: 79.3M Net income, FY2024: 70.8M Revenue, FY2025: 75.7M Net income, FY2025: 161.1M FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue $202.7M $226.8M $66.0M $67.6M $65.7M $72.6M $74.0M $75.0M $79.3M $75.7M
Gross profit — — — — — — — — — —
Net income $59.3M $52.5M $82.3M $81.7M $77.6M $89.3M $85.0M $9.5M $70.8M $161.1M

Recent filings and events

  • Regulation FD disclosure Something the company told the market and had to tell everyone at once - usually a slide deck or a press release. Item 7.01
  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Regulation FD disclosure Item 7.01
  • Officer or director change Someone at the top arrived or left. The item covers everything from a board retirement to a chief executive being removed, and only the filing itself says which. Item 5.02
  • Results announced Item 2.02
  • Other event Item 8.01
  • Regulation FD disclosure Item 7.01
  • Annual report filed A new 10-K. The figures and the business description on this site come from it. Form 10-K
  • Results announced Item 2.02
  • Other event Item 8.01

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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