Tompkins Financial Corp (TMP) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, Tompkins Financial reported revenue of $446.6M, up 49.3% from $299.2M the year before. Net income was $161.1M (a 36.1% net margin), or $11.24 per diluted share. Net interest income was $249.7M, and the efficiency ratio (noninterest expense / revenue) was 47.1%. Operating activities generated $38.9M of cash, leaving $31.9M of free cash flow. At fiscal year end, Tompkins Financial held $8.67B in total assets against $7.73B in total liabilities, including $132.8M of cash and equivalents.
Open the full interactive Tompkins Financial financials → Quarterly statements, key ratios, valuation history and price charts.
Tompkins Financial Key Stats
| Share Price | $96.20 |
|---|---|
| Market Cap | $1.38B |
| P/E Ratio | 8.6 |
| Revenue YoY Growth | +49.2% |
| 52-Week Range | $60.08 – $101.21 |
| Shares Outstanding | 14.2 million (basic, 2026 Q2) |
Tompkins Financial Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $225.3M | $223.8M | $230.3M | $209.5M | $211.1M | $249.7M |
| Provision for Credit Losses | $16.2M | -$2.2M | $2.8M | $4.3M | $6.6M | $11.5M |
| Noninterest Income | $73.9M | $78.8M | $78.0M | $10.2M | $88.1M | $196.9M |
| Noninterest Expense | $185.4M | $190.3M | $195.8M | $203.3M | $199.6M | $210.2M |
| Revenue | $299.2M | $302.6M | $308.3M | $219.8M | $299.2M | $446.6M |
| Pre-Tax Income | $97.7M | $114.6M | $109.7M | $12.1M | $93.0M | $224.9M |
| Income Tax | $19.9M | $25.2M | $24.6M | $2.5M | $22.0M | $63.8M |
| Net Income | $77.6M | $89.3M | $85.0M | $9.5M | $70.8M | $161.1M |
| Diluted EPS | $5.20 | $6.05 | $5.89 | $0.66 | $4.97 | $11.24 |
Tompkins Financial Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $87.4M | $194.8M | $83.7M | $87.1M |
| Net Income | $23.7M | $96.2M | $26.1M | $29.3M |
| Diluted EPS | $1.65 | $6.71 | $1.82 | $2.04 |
Tompkins Financial Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $388.5M | $63.1M | $77.8M | $79.5M | $134.4M | $132.8M |
| Loans (Net) | — | $5.03B | $5.22B | $5.55B | $5.96B | $6.39B |
| Total Assets | $7.62B | $7.82B | $7.67B | $7.82B | $8.11B | $8.67B |
| Deposits | $6.44B | $6.79B | $6.60B | $6.40B | $6.47B | $6.94B |
| Total Long-Term Debt | $265.0M | $234.0M | $341.3M | $727.1M | $1.33B | $783.9M |
| Total Liabilities | $6.90B | $7.09B | $7.05B | $7.15B | $7.40B | $7.73B |
| Shareholders' Equity | $716.3M | $727.5M | $616.0M | $668.5M | $713.4M | $938.4M |
Tompkins Financial Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $101.4M | $121.2M | $103.3M | $89.0M | $95.0M | $38.9M |
| Cash From Investing | -$643.7M | -$583.3M | -$8.4M | -$146.3M | -$250.4M | -$300.7M |
| Cash From Financing | $792.8M | $136.8M | -$80.2M | $59.0M | $210.3M | $260.3M |
| Free Cash Flow | $96.8M | $116.4M | $95.2M | $82.2M | $88.8M | $31.9M |
Figures from Tompkins Financial's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Tompkins Financial financials page for every line item.
Tompkins Financial Company Profile
| Ticker | TMP |
|---|---|
| Exchange | NYSE |
| Industry | State Commercial Banks |
| Headquarters | Ithaca, New York |
| Incorporated in | New York |
| Fiscal Year End | December 31 |
| SEC Filer Category | Large accelerated filer |
| SEC CIK | 0001005817 |
Frequently Asked Questions
What was Tompkins Financial's revenue in fiscal 2025?
Tompkins Financial (TMP) reported revenue of $446.6M for fiscal 2025.
What is Tompkins Financial's annual revenue history?
Tompkins Financial's annual revenue by fiscal year: 2020: $299.2M; 2021: $302.6M; 2022: $308.3M; 2023: $219.8M; 2024: $299.2M; 2025: $446.6M.
What was Tompkins Financial's net income in fiscal 2025?
Tompkins Financial reported net income of $161.1M for fiscal 2025.
What was Tompkins Financial's earnings per share (EPS) in fiscal 2025?
Tompkins Financial's diluted EPS was $11.24 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Tompkins Financial generate in fiscal 2025?
Tompkins Financial generated $31.9M of free cash flow in fiscal 2025.
What was Tompkins Financial's revenue last quarter?
In its most recent reported quarter (2026 Q2), Tompkins Financial reported revenue of $87.1M.
How much debt does Tompkins Financial have?
Tompkins Financial reported $783.9M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Tompkins Financial are outstanding?
Tompkins Financial reported a weighted average of 14.2 million basic shares outstanding in 2026 Q2.
What is Tompkins Financial's market cap?
Based on its latest closing price, Tompkins Financial (TMP) has a market capitalization of about $1.38B.
When does Tompkins Financial's fiscal year end?
Tompkins Financial's fiscal year end, as registered with the SEC, is December 31.
Where is Tompkins Financial headquartered?
Tompkins Financial lists its business address in Ithaca, New York in its SEC filings.