TOMPKINS FINANCIAL CORP TMP
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."
Valuation FY2025 figures against the last close
Annual financial statements
Income statement
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| 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 | 11.30 | 4.98 | 0.66 | 5.92 | 6.08 | 5.22 | 5.39 | 5.39 | 3.46 | 3.94 |
| EPS, diluted | 11.24 | 4.97 | 0.66 | 5.89 | 6.05 | 5.20 | 5.37 | 5.35 | 3.43 | 3.91 |
| 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 | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| 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 | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| 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.
Others in SIC 6022
| Ticker | Company | Market cap | P/E | Revenue growth |
|---|---|---|---|---|
| BNY | Bank of New York Mellon Corp | $111.84B | 22.3x | 7.8% |
| STT | STATE STREET CORP | $53.36B | 20.7x | 7.3% |
| FITB | FIFTH THIRD BANCORP | $49.76B | 15.5x | -5.0% |
| MTB | M&T BANK CORP | $34.64B | 14.1x | 7.5% |
| NTRS | NORTHERN TRUST CORP | $34.15B | 21.4x | 6.1% |
| CFG | CITIZENS FINANCIAL GROUP INC/RI | $29.81B | 18.3x | 6.7% |
| FCNCA | FIRST CITIZENS BANCSHARES INC /DE/ | $25.48B | 13.4x | -2.2% |
| EWBC | EAST WEST BANCORP INC | $17.92B | 13.7x | 2.4% |