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MARKETS / NYSE / TMP
NYSE · STATE COMMERCIAL BANKS · LARGE CAP

Tompkins Financial Corp. TMP

17 fiscal years on record · USD · FY2025 reported · SEC filings only
16 YEARS OF DIVIDEND GROWTH
$75.7M
▼ 4.5% YoY
$161.1M
▲ 127.3% YoY
$31.9M
▼ 64.0% YoY
In brief

What this company does

The Company is a locally-oriented, community-based financial services organization that offers a full array of products and services, including commercial and consumer banking, leasing, trust and investment management, financial planning and wealth management services. At December 31, 2025, the Company had one wholly-owned banking subsidiary, Tompkins Community Bank. Banking services consist primarily of attracting deposits from the areas served by Tompkins Community Bank's 54 banking offices (38 offices in New York and 16 offices in Pennsylvania), and using those deposits to originate a variety of commercial loans, agricultural loans, consumer loans, real estate loans, and leases in those same areas. Tompkins was organized in 1995, under the laws of the State of New York, as a bank holding company for Tompkins Trust Company (the "Trust Company"), a commercial bank that has operated in Ithaca, New York and surrounding communities since 1836. As of December 31, 2025, the Company had 870 employees, which included 813 full-time employees and 57 part-time and temporary employees.

Written from the business description in Tompkins Financial Corporation's annual report to the U.S. Securities and Exchange Commission, filed 26 February 2026. Every sentence was checked against that document before publication.

Growth
USD 75.7M
Revenue, FY2025 · full 17-year series below
Revenue $M Net income $M
FY2025 · Revenue 75.7 · Net income 161.1
80M160M200920112013201520172019202120232025
Compound annual growth
+0.8%
+2.9%
+23.7%
+15.7%
+10.7%
+11.0%
+24.0%
+16.7%
+11.3%
+8.9%
+10.7%
+8.3%
+6.3%
+5.9%
−8.4%
−1.6%
+2.7%
+6.6%
3 yrs
5 yrs
10 yrs
15 yrs

Revenue compounded at +2.9% a year over five years — but profit grew faster: net income at +15.7%, earnings per share at +16.7%.

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability
213 cents
of every revenue dollar became profit
Operating margin Net margin
FY2025 · Operating 296.9% · Net 212.7%
100%200%200920112013201520172019202120232025
ROE
FY2025 · ROE 22.6%
10%20%200920112013201520172019202120232025

Each USD of equity produced 23 cents of profit this year.

Cash & shareholders
USD 37.6M
returned in FY2025 · dividends + net buybacks
Free cash flow $M
FY2025 · FCF 31.9
40M80M200920112013201520172019202120232025
Net buybacks $M Dividends $M
FY2025 · Dividends 36.1 · Net buybacks 1.5
20M40MDividendsNet buybacks200920112013201520172019202120232025

USD 36.1M in dividends and USD 1.5M in buybacks — 23% of the year's profit went back to shareholders.

Total assetsUSD 8.7B
CashUSD 132.8M
DepositsUSD 6.9B

Not available: we don't have the total debt figure for this period.

The 17-year record
17 fiscal years
Every figure from documents filed with the SEC · USD
row low → row highnegative
Metric 20252024202320222021202020192018201720162015201420132012201120102009
Revenue $B0.10.10.10.10.10.10.10.10.1········
Operating income $B0.20.10.00.10.10.10.1·0.10.10.1······
EBITDA $B·················
Income tax $B0.10.00.00.00.00.00.00.00.00.00.00.00.00.00.00.00.0
Net income $B0.20.10.00.10.10.10.10.10.10.10.10.10.10.00.00.00.0
Free cash flow $B0.00.10.10.10.10.10.10.10.10.10.10.10.10.10.10.10.0
EPS, diluted $11.244.970.665.896.055.205.375.353.433.913.873.483.462.433.203.112.96
Dividend / sh $3.132.442.402.312.192.102.021.941.821.771.701.621.541.461.401.331.24
Payout %22493633936403736534543464461444341
ROE %22.610.31.512.712.411.312.813.89.411.211.611.011.38.512.412.4·

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

Provenance
Company facts, as filed
How we verify · 0 failures in 49 reconciliationsAUDITED

Reconciled in 17 of 19 fiscal years. 8 checks could not be computed.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquiditymoeda_consistente0 failures
ActivityState Commercial Banks
Listed onNYSE
Incorporated inNew York
Fiscal year endsDecember 31
Data on record since2009

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