NYSEAMERICAN : TMP
Tompkins Financial Corporation — Financial statements
Financials · Banks - Regional · United States
Last price 99.52 USD (Oct 30, 2026, 4:00 PM EDT) · Market cap 1.43B
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 358.29M | 334.60M | 301.97M | 260.43M | 217.61M | 214.68M |
| Interest Income on Investments | 61.04M | 47.47M | 45.60M | 36.92M | 33.72M | 26.63M |
| Total Interest Income | 419.33M | 382.07M | 347.57M | 297.36M | 251.32M | 241.32M |
| Interest Paid on Deposits | 108.08M | 110.25M | 103.98M | 70.81M | 16.17M | 10.85M |
| Interest Paid on Borrowings | 19.04M | 22.10M | 32.49M | 17.04M | 4.88M | 6.68M |
| Total Interest Expense | 127.12M | 132.34M | 136.47M | 87.84M | 21.04M | 17.53M |
| Net Interest Income | 292.21M | 249.73M | 211.10M | 209.51M | 230.28M | 223.79M |
| Trust Income | 20.86M | 20.11M | 19.59M | 17.95M | 18.09M | 19.39M |
| Gain (Loss) on Sale of Assets | 188.24M | 188.24M | ||||
| Gain (Loss) on Sale of Investments | -78.77M | -78.69M | 32.00K | -69.97M | -634.00K | 249.00K |
| Other Non-Interest Income | 25.51M | 59.95M | 61.22M | 55.35M | 53.15M | 52.87M |
| Total Non-Interest Income | 163.28M | 196.87M | 88.13M | 10.24M | 77.97M | 78.85M |
| Revenues Before Loan Losses | 455.49M | 446.60M | 299.23M | 219.75M | 308.25M | 302.64M |
| Provision for Loan Losses | 6.99M | 11.53M | 6.61M | 4.34M | 2.79M | -2.22M |
| Revenue | 448.50M | 435.07M | 292.62M | 215.42M | 305.46M | 304.86M |
| Salaries and Employee Benefits | 120.21M | 132.03M | 123.21M | 120.30M | 116.20M | 112.26M |
| Occupancy Expenses | 12.80M | 12.95M | 12.63M | 13.28M | 13.09M | 13.18M |
| Amortization of Goodwill & Intangibles | 292.00K | 292.00K | 332.00K | 334.00K | 873.00K | 1.32M |
| Selling, General & Administrative | 16.33M | 15.96M | 16.34M | 18.33M | 20.80M | 20.60M |
| Other Non-Interest Expense | 48.38M | 48.98M | 47.12M | 51.05M | 44.79M | 40.01M |
| Total Non-Interest Expense | 198.01M | 210.21M | 199.64M | 203.29M | 195.75M | 187.36M |
| EBT Excluding Unusual Items | 250.48M | 224.86M | 92.98M | 12.12M | 109.71M | 117.50M |
| Other Unusual Items | -2.93M | |||||
| Pretax Income | 250.48M | 224.86M | 92.98M | 12.12M | 109.71M | 114.57M |
| Income Tax Expense | 70.20M | 63.78M | 22.00M | 2.50M | 24.56M | 25.18M |
| Earnings From Continuing Operations | 180.28M | 161.07M | 70.97M | 9.63M | 85.16M | 89.39M |
| Minority Interest in Earnings | -123.00K | -124.00K | -126.00K | -127.00K | ||
| Net Income | 180.28M | 161.07M | 70.85M | 9.51M | 85.03M | 89.26M |
| Preferred Dividends & Other Adjustments | 42.00K | 250.00K | 615.00K | |||
| Net Income to Common | 180.28M | 161.07M | 70.85M | 9.46M | 84.78M | 88.65M |
| Basic Shares Outstanding | 14.25M | 14.25M | 14.22M | 14.25M | 14.33M | 14.57M |
| Diluted Shares Outstanding | 14.33M | 14.34M | 14.27M | 14.30M | 14.40M | 14.65M |
| EPS (Basic) | 12.65 | 11.30 | 4.98 | 0.66 | 5.92 | 6.08 |
| EPS (Diluted) | 12.58 | 11.24 | 4.97 | 0.66 | 5.89 | 6.05 |
| Dividend Per Share | 0.65 | 2.51 | 2.44 | 2.40 | 2.31 | 2.19 |
| Effective Tax Rate | 28.03% | 28.37% | 23.66% | 20.58% | 22.38% | 21.98% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 242.15M | 132.82M | 134.40M | 79.54M | 77.84M | 63.11M |
| Investment Securities | 1.65B | 794.94M | 845.82M | 964.25M | 1.17B | 1.38B |
| Trading Asset Securities | 5.07M | 2.69M | 3.11M | |||
| Mortgage-Backed Securities | 901.13M | 699.61M | 766.07M | 738.89M | 947.71M | |
| Total Investments | 1.65B | 1.70B | 1.55B | 1.73B | 1.91B | 2.33B |
| Gross Loans | 6.72B | 6.45B | 6.03B | 5.61B | 5.27B | 5.08B |
| Allowance for Loan Losses | -60.45M | -57.67M | -56.50M | -51.58M | -45.93M | -42.84M |
| Other Adjustments to Gross Loans | -4.50M | -5.19M | -4.99M | -4.75M | -6.82M | |
| Net Loans | 6.66B | 6.39B | 5.96B | 5.55B | 5.22B | 5.03B |
| Property, Plant & Equipment | 70.21M | 98.62M | 103.53M | 107.39M | 115.24M | 115.72M |
| Goodwill | 72.74M | 72.74M | 92.60M | 92.60M | 92.60M | 92.45M |
| Other Intangible Assets | 1.69M | 2.20M | 2.33M | 2.71M | 3.64M | |
| Loans Held for Sale | 43.44M | |||||
| Accrued Interest Receivable | 171.17M | 30.70M | 28.82M | 26.11M | 24.86M | 22.60M |
| Other Real Estate Owned & Foreclosed | 384.00K | 229.00K | 14.31M | 131.00K | 152.00K | 135.00K |
| Other Long-Term Assets | 79.56M | 166.13M | 179.50M | 190.24M | 207.09M | 147.79M |
| Total Assets | 8.98B | 8.67B | 8.11B | 7.82B | 7.67B | 7.82B |
| Accrued Expenses | 1.80M | 1.70M | 1.50M | 1.50M | 1.50M | |
| Interest Bearing Deposits | 5.44B | 4.49B | 4.16B | 4.09B | 4.26B | 4.49B |
| Institutional Deposits | 551.93M | 465.80M | 389.80M | 192.70M | 167.90M | |
| Non-Interest Bearing Deposits | 1.97B | 1.90B | 1.84B | 1.92B | 2.15B | 2.14B |
| Total Deposits | 7.41B | 6.94B | 6.47B | 6.40B | 6.60B | 6.79B |
| Short-Term Borrowings | 400.39M | 249.07M | 478.93M | 241.32M | 14.00M | |
| Current Portion of Long-Term Debt | 94.40M | |||||
| Current Portion of Leases | 3.72M | |||||
| Long-Term Debt | 133.85M | 95.57M | 37.04M | 51.00M | 56.28M | 66.79M |
| Federal Home Loan Bank Debt, Long-Term | 406.71M | 75.05M | 543.25M | 125.00M | 50.00M | 110.00M |
| Long-Term Leases | 23.99M | 28.50M | 29.10M | 34.50M | 31.10M | |
| Pension & Post-Retirement Benefits | 28.65M | 29.78M | 32.56M | 32.59M | 44.09M | |
| Other Long-Term Liabilities | 92.53M | 68.56M | 34.50M | 31.88M | 34.81M | 32.13M |
| Total Liabilities | 8.04B | 7.73B | 7.40B | 7.15B | 7.05B | 7.09B |
| Common Stock | 1.44M | 1.45M | 1.45M | 1.44M | 1.46M | 1.47M |
| Additional Paid-In Capital | 295.99M | 299.21M | 300.07M | 297.18M | 302.76M | 312.54M |
| Retained Earnings | 716.83M | 662.16M | 537.16M | 501.51M | 526.73M | 475.26M |
| Treasury Stock | -4.69M | -5.38M | -6.74M | -6.61M | -6.28M | -5.79M |
| Comprehensive Income & Other | -73.19M | -19.05M | -118.49M | -125.00M | -208.69M | -55.95M |
| Total Common Equity | 936.38M | 938.38M | 713.44M | 668.52M | 615.98M | 727.53M |
| Minority Interest | 1.41M | 1.41M | 1.41M | |||
| Shareholders' Equity | 936.38M | 938.38M | 713.44M | 669.93M | 617.39M | 728.94M |
| Total Liabilities & Equity | 8.98B | 8.67B | 8.11B | 7.82B | 7.67B | 7.82B |
| Total Debt | 540.57M | 693.12M | 857.86M | 684.02M | 382.10M | 221.89M |
| Net Cash (Debt) | -298.42M | -555.23M | -720.76M | -601.37M | -304.26M | -158.78M |
| Net Cash Per Share | -20.82 | -38.73 | -50.51 | -42.05 | -21.12 | -10.84 |
| Filing Date Shares Outstanding | 14.30M | 14.42M | 14.43M | 14.41M | 14.52M | 14.58M |
| Total Common Shares Outstanding | 14.30M | 14.35M | 14.34M | 14.31M | 14.43M | 14.57M |
| Book Value Per Share | 65.48 | 65.41 | 49.76 | 46.72 | 42.70 | 49.92 |
| Tangible Book Value | 863.64M | 863.95M | 618.64M | 573.59M | 520.67M | 631.44M |
| Tangible Book Value Per Share | 60.40 | 60.23 | 43.15 | 40.08 | 36.09 | 43.33 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 161.07M | 70.85M | 9.51M | 85.03M | 89.26M | |
| Depreciation & Amortization | 7.04M | 7.89M | 8.51M | 8.64M | 9.46M | |
| Other Amortization | 1.70M | 2.67M | 3.31M | 3.05M | 2.28M | |
| Gain (Loss) on Sale of Assets | -188.21M | -218.00K | -55.00K | -105.00K | -21.00K | |
| Gain (Loss) on Sale of Investments | 74.72M | -1.16M | 72.41M | 6.23M | 11.51M | |
| Provision for Credit Losses | 11.53M | 6.61M | 4.34M | 2.79M | -2.22M | |
| Net Decrease (Increase) in Loans Originated / Sold - Operating | -45.03M | -57.00K | -506.00K | 360.00K | 5.11M | |
| Accrued Interest Receivable | -1.87M | -2.72M | -1.24M | -2.27M | 9.43M | |
| Other Operating Activities | 16.46M | 6.21M | -13.09M | -5.45M | -7.62M | |
| Operating Cash Flow | 38.87M | 94.97M | 89.00M | 103.34M | 121.18M | |
| Capital Expenditures | -6.92M | -6.21M | -6.76M | -8.17M | -4.74M | |
| Sale of Property, Plant and Equipment | 2.44M | 294.00K | 146.00K | 223.00K | 95.00K | |
| Investment in Securities | -99.08M | 182.47M | 210.84M | 197.56M | -759.39M | |
| Divestitures | 220.66M | |||||
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -445.47M | -428.94M | -337.05M | -193.01M | 175.16M | |
| Other Investing Activities | 10.97M | 1.95M | -13.65M | -5.05M | 5.58M | |
| Investing Cash Flow | -300.73M | -250.44M | -146.30M | -8.44M | -583.29M | |
| Long-Term Debt Issued | 425.98M | 804.95M | 450.40M | 435.90M | 14.94M | |
| Long-Term Debt Repaid | -593.25M | -630.76M | -144.88M | -279.11M | -173.08M | |
| Net Debt Issued (Repaid) | -167.27M | 174.19M | 305.52M | 156.79M | -158.14M | |
| Issuance of Common Stock | 119.00K | 170.00K | 2.95M | 2.00K | ||
| Repurchase of Common Stock | -1.65M | -8.73M | -15.43M | -23.77M | ||
| Common Dividends Paid | -36.09M | -35.05M | -34.51M | -33.56M | -32.41M | |
| Net Increase (Decrease) in Deposit Accounts | 466.22M | 72.38M | -201.98M | -188.62M | 354.18M | |
| Other Financing Activities | -1.04M | -1.36M | -1.30M | -2.30M | -3.10M | |
| Financing Cash Flow | 260.28M | 210.33M | 59.00M | -80.17M | 136.76M | |
| Net Cash Flow | -1.58M | 54.86M | 1.71M | 14.73M | -325.36M | |
| Free Cash Flow | 31.95M | 88.76M | 82.24M | 95.17M | 116.44M | |
| Free Cash Flow Margin | 7.34% | 30.33% | 38.18% | 31.16% | 38.19% | |
| Free Cash Flow Per Share | 2.23 | 6.22 | 5.75 | 6.61 | 7.95 | |
| Cash Interest Paid | 132.54M | 135.51M | 86.26M | 21.05M | 16.92M | |
| Cash Income Tax Paid | 27.36M | 14.83M | 10.38M | 23.90M | 28.63M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 1.43B | 1.05B | 976.32M | 864.31M | 1.12B | 1.23B |
| Last Close Price | 99.52 | 70.88 | 63.79 | 54.16 | 67.06 | 70.14 |
| PE Ratio | 7.91 | 6.50 | 13.78 | 91.34 | 13.25 | 13.82 |
| PS Ratio | 3.18 | 2.41 | 3.34 | 4.01 | 3.68 | 4.02 |
| PB Ratio | 1.52 | 1.11 | 1.37 | 1.29 | 1.82 | 1.68 |
| P/FCF Ratio | 29.90 | 32.76 | 11.00 | 10.51 | 11.81 | 10.52 |
| P/OCF Ratio | 25.05 | 26.93 | 10.28 | 9.71 | 10.87 | 10.11 |
| Debt / Equity Ratio | 0.58 | 0.74 | 1.20 | 1.02 | 0.62 | 0.30 |
| Debt / FCF Ratio | 21.69 | 9.66 | 8.32 | 4.01 | 1.91 | |
| Net Debt / Equity Ratio | 0.32 | 0.59 | 1.01 | 0.90 | 0.49 | 0.22 |
| Net Debt / FCF Ratio | 17.38 | 8.12 | 7.31 | 3.20 | 1.36 | |
| Return on Equity (ROE) | 20.90% | 19.50% | 10.26% | 1.50% | 12.65% | 12.36% |
| Return on Assets (ROA) | 2.07% | 1.92% | 0.89% | 0.12% | 1.10% | 1.16% |
| Earnings Yield | 12.64% | 15.39% | 7.26% | 1.10% | 7.57% | 7.29% |
| FCF Yield | 3.34% | 3.05% | 9.09% | 9.52% | 8.47% | 9.50% |
| Dividend Yield | 2.81% | 3.44% | 3.58% | 3.97% | 2.97% | 2.60% |
| Payout Ratio | 22.11% | 22.41% | 49.47% | 363.09% | 39.47% | 36.31% |
| Buyback Yield / Dilution | -0.07% | -0.47% | 0.23% | 0.72% | 1.67% | 0.64% |
| Total Shareholder Return | 2.74% | 2.97% | 3.81% | 4.69% | 4.63% | 3.24% |