TOMPKINS FINANCIAL CORP TMP

Financials SIC 6022 - State Commercial Banks 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 99.57 2026-09-04
Market cap $1.43B 2026-06-30 share count
52-week range 61.88 - 102.58

Valuation FY2025 figures against the last close

P/S18.9x
P/E8.9x
P/FCF44.8x
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.) $14.3M$14.3M$14.3M$14.4M$14.6M$14.7M$15.0M$15.1M$15.1M$14.9M

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.

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