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+78.0%
5Y+78.0%
10Y+115.0%
3Y+89.0%
5Y+108.0%
10Y+171.0%
3Y-62.0%
5Y-62.0%
10Y-57.0%
Tompkins Financial Corporation

Tompkins Financial Corporation Profit Bridge

TMP ยท AMEX
Revenue578.94M
Cost of Goods Sold (143.88M)
Gross Profit435.07M
Operating Expenses (210.21M)
Operating Income224.86M
Interest Expense (132.34M)
Other Income/Expense0.00
Pretax Income224.86M
Income Tax (63.78M)
Net Income161.07M
Net Income
161.07M

Profitability Analysis

Gross Margin

75.1%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

38.8%

Outstanding operational efficiency. The company generates substantial profit from core operations.

Net Profit Margin

27.8%

Exceptional profitability. The company converts a significant portion of revenue to bottom-line earnings.

Effective Tax Rate

28.4%

Higher tax burden may reflect limited tax optimization or operations in high-tax jurisdictions.

Profitability Insight

Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.

Tompkins Financial Corporation Income Statement

TMP โ€ข AMEX

Tompkins Financial Corporation Income StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
REVENUE
578.9M
431.6M
303.4M
324.7M
316.6M
324.9M
333.6M
322.8M
292.5M
269.1M
258M
252.5M
251.6M
210.8M
183.1M
188.4M
193.2M
186.8M
176.5M
162.2M
GROSS PROFIT
(143.9M)
(143.1M)
(92.2M)
(23.8M)
(15.3M)
(46.2M)
(52.1M)
(43.7M)
(29.6M)
(26.4M)
(23.3M)
(23M)
(30.1M)
(33.1M)
(34.6M)
(40.8M)
(49M)
(55.8M)
(59.9M)
(49.6M)
435.1M
288.6M
211.2M
300.9M
301.3M
278.7M
281.5M
279.1M
262.9M
242.6M
234.7M
229.6M
221.4M
177.8M
148.4M
147.6M
144.1M
131M
116.5M
112.6M
OPERATING INCOME
(210.2M)
(195.6M)
(199.1M)
(191.2M)
(186.8M)
(181.1M)
(178.6M)
(174.8M)
(167.7M)
(156.1M)
(147.2M)
(152M)
(149.7M)
(135.2M)
(96.5M)
(97.2M)
(96.8M)
(87.1M)
(78.2M)
(72.1M)
(156M)
(137.6M)
(134.3M)
(131.7M)
(127.3M)
(124.5M)
(118.5M)
(115.8M)
(110.9M)
(105.4M)
(96.5M)
(98.5M)
(97.5M)
(76.5M)
(64.8M)
(68.2M)
(58.8M)
(51.4M)
(47.5M)
(35.8M)
224.9M
93M
12.1M
109.7M
114.6M
97.7M
102.9M
104.2M
95.2M
86.5M
87.5M
77.6M
71.8M
42.5M
51.9M
50.4M
47.3M
43.9M
38.4M
40.5M
PRE-TAX INCOME
(132.3M)
(136.5M)
(87.8M)
(21M)
(17.5M)
(29M)
(50.8M)
(39.8M)
(25.5M)
(22.1M)
(20.4M)
(20.7M)
(24M)
(24.2M)
(25.7M)
(32.3M)
(39.8M)
(50.4M)
(58.4M)
(48.2M)
249.7M
211.1M
209.5M
230.3M
223.8M
225.3M
210.6M
211.8M
201.3M
180.6M
168.4M
163.8M
161.1M
134.1M
111.4M
111.8M
107M
90.4M
74M
72.9M
(54.3M)
(58M)
(64.8M)
(59.5M)
(59.5M)
(56.6M)
(60.1M)
(59M)
(56.7M)
(50.7M)
(50.7M)
(53.5M)
(52.1M)
(58.7M)
(31.7M)
(29M)
(38M)
(35.7M)
(30.7M)
(36.3M)
224.9M
93M
12.1M
109.7M
114.6M
97.7M
102.9M
104.2M
95.2M
86.5M
87.5M
77.6M
71.8M
42.5M
51.9M
50.4M
47.3M
43.9M
38.4M
40.5M
NET INCOME
(63.8M)
(22M)
(2.5M)
(24.6M)
(25.2M)
(19.9M)
(21M)
(21.8M)
(42.6M)
(27M)
(29M)
(25.4M)
(20.8M)
(11.1M)
(16.4M)
(16.4M)
(15.4M)
(13.8M)
(12M)
(12.7M)
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

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