Tompkins Financial Corp
TMP NYSE· State Commercial Banks
Last close · Oct 27, 2026
$102.19
KIRA · Stoqly’s AI analyst, in plain words
- Tompkins Financial Corp had $75.7M of revenue in fiscal 2025, down 4.5% on the year before. Over five years, revenue changed +2.9% a year on average.
- Tompkins Financial Corp made $161M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 12.4% a year.
- Tompkins Financial Corp returned $37.7M to shareholders in fiscal 2025, 118% of free cash flow. The diluted share count rose 0.5%.
- It earned 19.5% on shareholders’ money. Running costs took 277.5% of revenue (the efficiency ratio; lower is better).
Market cap
$1.5B
P/E
8.4x
Revenue
$75.7M
Net income
$161M
Return on equity
19.5%
Efficiency ratio
277.5%
Tompkins Financial Corp in 30 seconds · fiscal 2025
Are sales growing?
−4.5%
No. Sales fell 4.5% last year.
Does it make a profit?
212.7%
Yes. It keeps 212.7% of every sale as profit.
How lean are its costs?
277.5%
Costly. Running costs take 277.5% of revenue.
How much does it earn on its capital?
19.5%
Good. It earns 19.5% a year on shareholders’ money.
How is the share priced?
8.4x
One share costs 8.4 times its yearly profit per share.
What Tompkins Financial Corp does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 26, 2026
- Legal name
- TOMPKINS FINANCIAL CORP
- CIK
- 0001005817
Tompkins Financial Corp · TMP
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $72.6M | $74.0M | $75.0M | $79.3M | $75.7M |
| Revenue growth | 10.4% | 1.9% | 1.4% | 5.7% | −4.5% |
| Net interest income | $224M | $230M | $210M | $211M | $250M |
| Net income | $89.3M | $85.0M | $9.5M | $70.9M | $161M |
| Net margin | 123.0% | 114.9% | 12.7% | 89.3% | 212.7% |
| Diluted EPS | $6.05 | $5.89 | $0.66 | $4.97 | $11.24 |
| Cash | |||||
| Cash from operations | $121M | $103M | $89.0M | $95.0M | $38.9M |
| Capital expenditure | $4.7M | $8.2M | $6.8M | $6.2M | $6.9M |
| Free cash flow | $116M | $95.2M | $82.2M | $88.8M | $31.9M |
| FCF margin | 160.4% | 128.7% | 109.6% | 111.9% | 42.2% |
| Dividends paid | $32.4M | $33.6M | $34.5M | $35.0M | $36.1M |
| Share buybacks | $23.8M | $15.4M | $8.7M | $0.0M | $1.7M |
| Share count change | −0.6% | −1.7% | −0.7% | −0.2% | 0.5% |
| Debt and strength | |||||
| Cash and short-term investments | $63.1M | $77.8M | $79.5M | $134M | $133M |
| Loans, net | $5.0B | $5.2B | $5.6B | $6.0B | $6.4B |
| Deposits | $6.8B | $6.6B | $6.4B | $6.5B | $6.9B |
| Shareholders' equity | $728M | $616M | $669M | $713M | $938M |
| Returns and quality | |||||
| Return on equity | 12.4% | 12.7% | 1.5% | 10.3% | 19.5% |
| Return on tangible equity | 14.0% | 16.3% | 1.6% | 11.5% | 18.6% |
| Efficiency ratio | 262.1% | 264.6% | 271.0% | 251.7% | 277.5% |
Insiders bought, 12 months
$0.2M
1 insider
Insiders sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Tompkins Financial Corp · TMP
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $102.19 a share, the company is worth $1.5B: 8.4 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001005817). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.