TMP · Tompkins Financial Corp - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $75.74M | $79.33M | $75.03M | $73.97M | $72.60M | $65.75M |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | $6.63M | $7.47M | $8.09M | $7.64M | $7.97M | $7.83M |
| Operating Income | $224.86M | $92.98M | $12.12M | $109.71M | $97.67M | $97.67M |
| Interest Expense | - | - | $87.84M | $21.04M | $17.53M | $28.99M |
| Income Tax | $63.78M | $22.00M | $2.50M | $24.56M | $25.18M | $19.92M |
| Net Income | $161.07M | $70.85M | $9.51M | $85.03M | $89.26M | $77.59M |
| EPS - Basic | $11.30 | $4.98 | $0.66 | $5.92 | $6.08 | $5.22 |
| EPS - Diluted | $11.24 | $4.97 | $0.66 | $5.89 | $6.05 | $5.20 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $132.82M | $134.40M | $79.54M | $77.84M | $63.11M | $388.46M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $8.67B | $8.11B | $7.82B | $7.67B | $7.82B | $7.62B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - |
| Total Liabilities | $7.73B | $7.40B | $7.15B | $7.05B | $7.09B | $6.90B |
| Stockholders' Equity | $938.38M | $713.44M | $668.52M | $615.98M | $727.53M | $716.28M |
| Retained Earnings | $662.16M | $537.16M | $501.51M | $526.73M | $475.26M | $418.41M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $38.87M | $94.97M | $89.00M | $103.34M | $121.18M | $101.39M |
| Investing Cash Flow | ($300.73M) | ($250.44M) | ($146.30M) | ($8.44M) | ($583.29M) | ($643.72M) |
| Financing Cash Flow | $260.28M | $210.33M | $59.00M | ($80.17M) | $136.76M | $792.81M |
| CapEx | $6.92M | $6.21M | $6.76M | $8.17M | $4.74M | $4.55M |
| Free Cash Flow | $31.95M | $88.76M | $82.24M | $95.17M | $116.44M | $96.84M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | 296.9% | 117.2% | 16.2% | 148.3% | 134.5% | 148.6% |
| EBITDA margin | 305.6% | 126.6% | 26.9% | 158.6% | 145.5% | 160.5% |
| Net margin | 212.7% | 89.3% | 12.7% | 114.9% | 123.0% | 118.0% |
| Free cash flow margin | 42.2% | 111.9% | 109.6% | 128.7% | 160.4% | 147.3% |
| FCF / Net income | 0.20 | 1.25 | 8.65 | 1.12 | 1.30 | 1.25 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 28.4% | 23.7% | 20.8% | 22.4% | 22.0% | 20.4% |
| Return on assets | 1.9% | 0.9% | 0.1% | 1.1% | 1.1% | 1.0% |
| Return on equity | 17.2% | 9.9% | 1.4% | 13.8% | 12.3% | 10.8% |
| Return on invested capital | - | - | - | - | - | - |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - |
| Interest coverage | - | - | 0.1x | 5.2x | 5.6x | 3.4x |
| Equity multiplier | 9.24 | 11.37 | 11.70 | 12.45 | 10.75 | 10.64 |
| Liabilities / Assets | 0.89 | 0.91 | 0.91 | 0.92 | 0.91 | 0.91 |
| Efficiency | ||||||
| Asset turnover | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 6.5x | 13.6x | 91.3x | 13.2x | 13.8x | 13.6x |
| P / B | 1.1x | 1.4x | 1.3x | 1.8x | 1.7x | 1.5x |
| P / S | 13.7x | 12.2x | 11.5x | 15.1x | 16.9x | 15.8x |
| EV / EBITDA | 3.9x | 8.3x | 38.7x | 8.9x | 11.0x | 6.2x |
| Growth | ||||||
| Revenue growth (YoY) | -4.5% | 5.7% | 1.4% | 1.9% | 10.4% | -2.7% |
| Revenue CAGR (3y) | 0.8% | 3.0% | 4.5% | 3.1% | 4.8% | - |
| Revenue CAGR (5y) | 2.9% | 3.3% | 3.5% | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | 141.8% | 666.9% | -88.9% | 12.3% | 0.0% | -5.1% |
| Net income growth (YoY) | 127.3% | 645.4% | -88.8% | -4.7% | 15.0% | -5.1% |
| EPS growth (YoY) | 126.2% | 653.0% | -88.8% | -2.6% | 16.3% | -3.2% |
| EPS CAGR (3y) | 24.0% | -6.3% | -49.7% | 3.1% | 4.2% | 14.9% |
| EPS CAGR (5y) | 16.7% | -1.5% | -34.2% | 11.4% | 9.1% | 6.1% |
| FCF growth (YoY) | -64.0% | 7.9% | -13.6% | -18.3% | 20.2% | 21.0% |
| FCF CAGR (5y) | -19.9% | 2.1% | -1.6% | 13.4% | 9.3% | 4.9% |
| Book value growth (YoY) | 31.5% | 6.7% | 8.5% | -15.3% | 1.6% | 8.3% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2025-12-31.
Product / service
$75.74M totalInsurance Revenues$35.57M · 47.0%
Investment Service Income$20.11M · 26.6%
Card Services Income$11.50M · 15.2%
Service Charges On Deposit Accounts$7.26M · 9.6%
Other Non Interest Income$1.30M · 1.7%
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
4/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✓ROA improved YoY
- ✗Cash flow > net income
- -Long-term debt decreased
- -Current ratio improved
- ✓No share dilution
- -Gross margin improved
- ✗Asset turnover improved
Peer comparison
Same SIC group: State Commercial Banks
Comparing TOMPKINS FINANCIAL CORP against the 5 most active filers in the same SIC group.
Dividends
$2.61/share trailing 12 months · +5.7% YoY
| Ex-date | Per share |
|---|---|
| May 8, 2026 | $0.6700 |
| Feb 13, 2026 | $0.6700 |
| Nov 7, 2025 | $0.6500 |
| Aug 8, 2025 | $0.6200 |
| May 9, 2025 | $0.6200 |
| Feb 14, 2025 | $0.6200 |
| Nov 8, 2024 | $0.6200 |
| Aug 9, 2024 | $0.6100 |
| May 9, 2024 | $0.6100 |
| Feb 8, 2024 | $0.6000 |
| Nov 6, 2023 | $0.6000 |
| Jul 31, 2023 | $0.6000 |
| May 8, 2023 | $0.6000 |
| Feb 6, 2023 | $0.6000 |
| Nov 7, 2022 | $0.6000 |
| Aug 1, 2022 | $0.5700 |
| May 9, 2022 | $0.5700 |
| Feb 7, 2022 | $0.5700 |
| Nov 1, 2021 | $0.5700 |
| Aug 2, 2021 | $0.5400 |
| May 10, 2021 | $0.5400 |
| Feb 8, 2021 | $0.5400 |
| Nov 2, 2020 | $0.5400 |
| Jul 31, 2020 | $0.5200 |