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 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | $21.51M | - | $21.31M | $19.29M | $20.25M | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | - | - | - | - | - | - | - | - | - | - |
| Operating Income | $34.47M | - | $31.11M | $28.24M | $25.80M | - | $24.53M | $20.61M | $22.10M | - |
| Interest Expense | - | - | - | - | - | - | $35.94M | $34.29M | $32.51M | - |
| Income Tax | $8.39M | - | $7.43M | $6.77M | $6.12M | - | $5.86M | $4.90M | $5.20M | - |
| Net Income | $26.07M | - | $23.67M | $21.47M | $19.68M | - | $18.64M | $15.68M | $16.87M | - |
| EPS - Basic | $1.83 | - | $1.66 | $1.51 | $1.38 | - | $1.31 | $1.10 | $1.19 | - |
| EPS - Diluted | $1.82 | - | $1.65 | $1.50 | $1.37 | - | $1.30 | $1.10 | $1.18 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $171.45M | $132.82M | $193.49M | $212.55M | $193.06M | $134.40M | $132.32M | $70.92M | $57.14M | $79.54M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $8.70B | $8.67B | $8.47B | $8.37B | $8.20B | $8.11B | $8.01B | $7.87B | $7.78B | $7.82B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | $7.75B | $7.73B | $7.68B | $7.61B | $7.46B | $7.40B | $7.29B | $7.19B | $7.11B | $7.15B |
| Stockholders' Equity | $946.74M | $938.38M | $788.80M | $761.79M | $741.38M | $713.44M | $719.86M | $674.63M | $667.91M | $668.52M |
| Retained Earnings | $678.58M | $662.16M | $575.11M | $560.38M | $547.89M | $537.16M | $526.42M | $516.57M | $509.67M | $501.51M |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $73.44M | - | - | - | $22.23M | - | - | - | $23.24M | - |
| Investing Cash Flow | ($47.51M) | - | - | - | ($25.43M) | - | - | - | ($304.0K) | - |
| Financing Cash Flow | $12.71M | - | - | - | $61.88M | - | - | - | ($45.34M) | - |
| CapEx | $2.33M | - | - | - | $1.35M | - | - | - | $1.39M | - |
| Free Cash Flow | $71.11M | - | - | - | $20.87M | - | - | - | $21.85M | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | - | - | - | - | 120.0% | - | 115.1% | 106.9% | 109.1% | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | - | - | - | - | 91.5% | - | 87.5% | 81.3% | 83.3% | - |
| Free cash flow margin | - | - | - | - | 97.1% | - | - | - | 107.9% | - |
| FCF / Net income | 2.73 | - | - | - | 1.06 | - | - | - | 1.30 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 24.4% | - | 23.9% | 24.0% | 23.7% | - | 23.9% | 23.8% | 23.6% | - |
| Return on assets | 0.3% | - | 0.3% | 0.3% | 0.2% | - | 0.2% | 0.2% | 0.2% | - |
| Return on equity | 2.8% | - | 3.0% | 2.8% | 2.7% | - | 2.6% | 2.3% | 2.5% | - |
| Return on invested capital | - | - | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | - | - | - | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | - | - | 0.7x | 0.6x | 0.7x | - |
| Equity multiplier | 9.18 | 9.24 | 10.74 | 10.99 | 11.06 | 11.37 | 11.12 | 11.66 | 11.65 | 11.70 |
| Liabilities / Assets | 0.89 | 0.89 | 0.91 | 0.91 | 0.91 | 0.91 | 0.91 | 0.91 | 0.91 | 0.91 |
| Efficiency | ||||||||||
| Asset turnover | - | - | - | - | 0.00 | - | 0.00 | 0.00 | 0.00 | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 43.3x | - | 40.1x | 41.8x | 46.0x | - | 44.5x | 44.5x | 42.6x | - |
| P / B | 1.2x | - | 1.2x | 1.2x | 1.2x | - | 1.1x | 1.0x | 1.1x | - |
| P / S | - | - | - | - | 41.9x | - | 38.7x | 36.1x | 35.4x | - |
| EV / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Growth | ||||||||||
| Revenue growth (YoY) | - | - | - | - | 6.2% | - | 3.1% | 4.8% | 7.7% | - |
| Revenue CAGR (3y) | - | - | - | - | 4.5% | - | 3.1% | 3.3% | 4.0% | - |
| Revenue CAGR (5y) | - | - | - | - | 5.2% | - | 3.7% | 2.9% | 3.3% | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 33.6% | - | 26.8% | 37.0% | 16.7% | - | - | 100.3% | -12.7% | - |
| Net income growth (YoY) | 32.5% | - | 27.0% | 36.9% | 16.6% | - | - | 85.0% | -12.9% | - |
| EPS growth (YoY) | 32.8% | - | 26.9% | 36.4% | 16.1% | - | - | 86.4% | -12.6% | - |
| EPS CAGR (3y) | 10.5% | - | 3.7% | 1.1% | -5.0% | - | -3.6% | -10.6% | -11.8% | - |
| EPS CAGR (5y) | 1.1% | - | 0.2% | 0.8% | 20.9% | - | -0.6% | -2.8% | -2.9% | - |
| FCF growth (YoY) | 240.7% | - | - | - | -4.5% | - | - | - | 2.3% | - |
| FCF CAGR (5y) | 19.3% | - | - | - | -2.1% | - | - | - | 8.1% | - |
| Book value growth (YoY) | 27.7% | 31.5% | 9.6% | 12.9% | 11.0% | 6.7% | 17.8% | 6.2% | 3.0% | 8.5% |
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%
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 |