Tompkins Financial Corporation

Tompkins Financial Corporation

TMPยทAMEX

$83.50

-3.0%
Financial ServicesBanks - Regional

Tompkins Financial Corporation, a financial holding company, provides commercial and consumer banking, leasing, trust and investment management, financial planning and wealth management, and insurance services. The company operates in three segments: Banking, Insurance, and Wealth Management. It accepts various deposit products, including checking accounts, savings accounts, time deposits, and IRA products, as well as brokered, reciprocal, and municipal money market deposits. The company also offers loans for various business purposes, including real estate financing, construction, equipment financing, accounts receivable financing, and commercial leasing; residential mortgage loans; personal loans; residential real estate loans; home equity loans; commercial and industrial loans; commercial real estate loans; agriculture loans; and consumer loans, such as personal installment loans, direct and indirect automobile financing, and overdraft lines of credit. In addition, it provides letters of credit and sweep accounts; credit and debit cards; and deposit and cash management, internet-based account, remote deposit, safe deposit, voice response, ATM, and mobile and internet banking services. Further, the company offers investment management, trust and estate, and financial and tax planning services; property and casualty, medical, life, disability, and long-term care insurance services; employee benefit consulting services; and insurance planning services. It primarily serves individuals, corporate executives, small business owners, and high net worth individuals. The company operates through a network of 63 banking offices, including 43 offices in New York and 20 offices in Pennsylvania. Tompkins Financial Corporation was founded in 1836 and is headquartered in Ithaca, New York.

At a Glance

Live Snapshot
Market Cap$1.20B
EPS11.3000
P/E Ratio7.39
Earnings Date07/24/2026
3Y-62.0%
5Y-62.0%
10Y-57.0%
3Y+3462.0%
5Y-53.0%
10Y-48.0%
3Y-425.0%
5Y-67.0%
10Y-47.0%
TMP

Tompkins Financial Corporation Cash Conversion Engine

TMP ยท AMEX
Net Income161.07M
Depreciation & Amortization8.32M
Stock-Based Compensation3.49M
Change in Working Capital30.40M
Others-164.41M
Capital Expenditures-6.92M
Free Cash Flow31.95M

Cash Flow Quality Analysis

FCF Conversion Rate

19.8%

Weak cash conversion. Significant portion of earnings not converting to cashโ€”review working capital trends and capital intensity.

CapEx Intensity

17.8%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

-64.0%

Significant FCF decline raises concerns. Urgent review needed of operational performance and capital allocation.

Working Capital Impact

+$30.40M

Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.

Cash Flow Quality Insight

Deteriorating cash generation: Both declining FCF and weak conversion rate signal fundamental challenges. Investigate margin pressure, rising costs, or working capital issues.

Tompkins Financial Corporation Cash Flow Statement

TMP โ€ข AMEX

Tompkins Financial Corporation Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
OPERATING ACTIVITIES
161.1M
70.9M
9.5M
85M
89.3M
77.6M
81.7M
82.3M
52.5M
59.3M
58.4M
52M
50.9M
31.3M
35.4M
33.8M
31.8M
29.8M
26.4M
27.8M
8.3M
10.5M
11.7M
11.6M
11.6M
11.7M
11.7M
11.3M
10.2M
8.9M
8.5M
7.8M
7.9M
6.6M
5.3M
5.4M
5.4M
5.6M
6.4M
6.4M
0.0
-3.1M
-434K
910K
1.8M
-6.3M
3.1M
2.4M
14.6M
1.9M
2.9M
5M
8M
6.9M
-2.1M
2.3M
-1.9M
1.1M
-1.5M
-2.3M
3.5M
4.6M
4.1M
4.3M
5.1M
4.7M
4.2M
3.5M
3M
2.3M
1.9M
1.5M
1.4M
1.3M
1.3M
1.2M
938K
931K
0.0
0.0
-164.4M
13.4M
63.3M
3.2M
4.8M
27.2M
-835K
8.2M
8.4M
19.5M
10.5M
11.2M
10.2M
14.1M
31.2M
17.5M
-89K
25.4M
18.6M
5.7M
(0.0)
(14.8M)
(10.4M)
(23.9M)
(28.6M)
(22.9M)
(16.7M)
(16.9M)
(31M)
(24.7M)
(22.7M)
(10.8M)
(14.8M)
(15.8M)
(11M)
(19M)
(28.1M)
(9.9M)
(0.0)
(0.0)
30.4M
-1.3M
812K
-1.7M
8.6M
-13.5M
1.7M
-445K
-2.6M
-1M
190K
-185K
5.4M
1.6M
834K
4.6M
-12.4M
-1.4M
-12.3M
-83K
38.9M
95M
89M
103.3M
121.2M
101.4M
101.6M
107.3M
86.1M
90.9M
82.4M
77.4M
83.7M
61.8M
72M
64.9M
23.9M
61.5M
37.6M
37.6M
INVESTING ACTIVITIES
-6.9M
-6.2M
-6.8M
-8.2M
-4.7M
-4.6M
-6M
-18.1M
-35.3M
-16.1M
-6.3M
-9M
-6.5M
-7.1M
-3.3M
-3.5M
-5.2M
-2.8M
-5.4M
-9.6M
(223.1M)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-436K
(0.0)
(0.0)
(0.0)
(0.0)
-415K
(0.0)
(4.3M)
-195K
-561K
(0.0)
(12.2M)
-314K
-3.3M
-812.6M
-55.9M
-391.5M
-183.1M
-1.4B
-904.9M
-340.7M
-194M
-214.1M
-412.7M
-461.1M
-429.4M
-407M
-417.1M
-553.5M
-513.2M
-531.8M
-369.1M
-235M
-175.3M
730.2M
238.4M
602.3M
380.7M
596.4M
588M
545.2M
228.4M
238.8M
353.5M
399.1M
322.9M
384.9M
524.8M
483.6M
390.8M
357.7M
301M
204M
153.7M
-434.5M
-426.7M
-350.4M
-197.8M
180.8M
-322.2M
-64M
-160M
-416.4M
-498.2M
-384.6M
-194.8M
-249.7M
-77.7M
-79.2M
-7.4M
-98.7M
-233.9M
-117.8M
-85.4M
-300.7M
-250.4M
-146.3M
-8.4M
-583.3M
-643.7M
(134M)
-143.6M
-427M
-573.5M
-452.9M
-310.8M
-278.4M
(27.3M)
-152.6M
-133.8M
-278M
-292.7M
-154.5M
-119.9M
FINANCING ACTIVITIES
-2.6M
170K
-8.7M
-15.4M
-23.8M
-7.6M
-29.9M
-2.4M
2.9M
2M
-3.5M
-2.4M
4M
39.9M
2.4M
2.9M
453K
-58K
-12.3M
-7.7M
-167.3M
188.1M
305.5M
156.8M
-158.1M
-391.7M
-418M
4.3M
165.8M
348.8M
180.1M
25.3M
169.9M
-74M
-58.6M
34.9M
-65M
62.5M
127.5M
60.9M
-36.1M
-35M
-34.5M
-33.6M
-32.4M
-31.4M
-30.6M
-29.6M
-27.6M
-26.6M
-25.4M
-24M
-22.5M
-19M
-15.4M
-14.4M
-13.2M
-12.7M
-12M
-11.3M
-2.7M
(0.0)
-8.7M
-15.4M
-23.8M
-9.4M
-29.9M
-2.4M
(0.0)
-1.2M
-3.5M
-4.6M
(0.0)
(0.0)
(0.0)
(0.0)
-178K
-58K
-12.9M
-10M
466.2M
57.1M
-203.3M
-188M
351.1M
1.2B
300.5M
60.2M
220.2M
164.1M
221.4M
207.6M
7.1M
33.4M
152.1M
49.7M
324.9M
188.3M
11.5M
26.8M
260.3M
210.3M
59M
-80.2M
136.8M
792.8M
-178M
32.4M
361.2M
488.3M
372.7M
206.6M
158.6M
-19.7M
80.5M
73.1M
247.2M
233.6M
114.7M
68.7M
CASH FLOW SUMMARY
-1.6M
54.9M
1.7M
14.7M
-325.4M
250.5M
57.6M
-3.9M
20.3M
5.7M
2.2M
-26.8M
-36M
69.4M
-98K
4.2M
-6.9M
2.4M
-2.3M
-13.6M
134.4M
79.5M
77.8M
63.1M
388.5M
138M
80.4M
84.3M
64M
58.3M
56.1M
82.9M
118.9M
49.6M
49.7M
45.5M
52.3M
50M
52.2M
65.8M
132.8M
134.4M
79.5M
77.8M
63.1M
388.5M
138M
80.4M
84.3M
64M
58.3M
56.1M
82.9M
118.9M
49.6M
49.7M
45.5M
52.3M
49.9M
52.2M
31.9M
88.8M
82.2M
95.2M
116.4M
96.8M
95.6M
89.2M
50.8M
74.8M
76.5M
68.3M
77.2M
54.7M
68.7M
61.3M
18.7M
58.8M
32.2M
28M

SEC Filings

TMP - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

May 26, 2026
May 19, 2026
2026
8-K

8-K 2026

N/A

May 19, 2026
May 19, 2026
2026
10-Q

10-Q 2026 Q1

Q1

May 05, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

April 27, 2026
April 27, 2026
2026
8-K

8-K 2026

N/A

April 24, 2026
April 23, 2026
2026
DEF 14A

DEF 14A 2026

N/A

April 06, 2026
May 19, 2026
2026
8-K

8-K 2026

N/A

March 16, 2026
March 16, 2026
2026
10-K

10-K 2025 FY

FY

February 26, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

January 30, 2026
January 29, 2026
2026
8-K

8-K 2025

N/A

December 17, 2025
December 16, 2025
2025
Showing 1 to 10 of 375 filings