What is Tompkins Financl's earnings per share (EPS)?

Tompkins Financl (TMP) reported diluted earnings per share of $11.24 for fiscal year 2025. This represents a 126.2% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Tompkins Financl Financials

TMP

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Tompkins Financl (TMP) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 44/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Tompkins Financl's revenue declined 4.5% year-over-year, from $79.3M to $75.7M. This contraction results in a growth score of 26/100.

Leverage

Tompkins Financl has elevated debt relative to equity (D/E of 8.24), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

100

Tompkins Financl converts 42.2% of revenue into free cash flow ($31.9M). This strong cash generation earns a score of 100/100.

Returns

Tompkins Financl's ROE of 17.2% shows moderate profitability relative to equity, earning a score of 49/100. This is up from 9.9% the prior year.

Piotroski F-Score Weak

3/9

Tompkins Financl passes 3 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality Low Quality

0.24x

For every $1 of reported earnings, Tompkins Financl generates $0.24 in operating cash flow ($38.9M OCF vs $161.1M net income). This low ratio suggests earnings are primarily driven by accounting accruals rather than cash generation, which may not be sustainable.

Key Financial Metrics

Export CSV

Earnings & Revenue

Revenue

$75.7M

YoY-4.5%

5Y CAGR+2.9%

10Y CAGR-8.7%

Tompkins Financl generated $75.7M in revenue in fiscal year 2025. This represents a decrease of 4.5% from the prior year.

EBITDA

N/A

Net Income

$161.1M

YoY+127.3%

5Y CAGR+15.7%

10Y CAGR+10.7%

Tompkins Financl reported $161.1M in net income in fiscal year 2025. This represents an increase of 127.3% from the prior year.

EPS (Diluted)

$11.24

YoY+126.2%

5Y CAGR+16.7%

10Y CAGR+11.3%

Tompkins Financl earned $11.24 per diluted share (EPS) in fiscal year 2025. This represents an increase of 126.2% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$31.9M

YoY-64.0%

5Y CAGR-19.9%

10Y CAGR-8.4%

Tompkins Financl generated $31.9M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 64.0% from the prior year.

Cash & Debt

$132.8M

YoY-1.2%

5Y CAGR-19.3%

10Y CAGR+8.6%

Tompkins Financl held $132.8M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$3.13

YoY+28.3%

5Y CAGR+8.3%

10Y CAGR+6.3%

Tompkins Financl paid $3.13 per share in dividends in fiscal year 2025. This represents an increase of 28.3% from the prior year.

Shares Outstanding

N/A

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

212.7%

YoY+123.3pp

5Y CAGR+94.6pp

10Y CAGR+181.7pp

Tompkins Financl's net profit margin was 212.7% in fiscal year 2025, showing the share of revenue converted to profit. This is up 123.3 percentage points from the prior year.

Return on Equity

17.2%

YoY+7.2pp

5Y CAGR+6.3pp

10Y CAGR+5.8pp

Tompkins Financl's ROE was 17.2% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 7.2 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$1.6M

5Y CAGR-29.4%

10Y CAGR-7.3%

Tompkins Financl spent $1.6M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

Capital Expenditures

$6.9M

YoY+11.5%

5Y CAGR+8.7%

10Y CAGR+0.9%

Tompkins Financl invested $6.9M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 11.5% from the prior year.

TMP Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$75.7M-4.5%	$79.3M+5.7%	$75.0M+1.4%	$74.0M+1.9%	$72.6M+10.4%	$65.7M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$132.3M-3.0%	$136.5M+55.4%	$87.8M+317.4%	$21.0M+20.1%	$17.5M-39.5%	$29.0M
Income Tax	$63.8M+189.9%	$22.0M+781.9%	$2.5M-89.8%	$24.6M-2.5%	$25.2M+26.4%	$19.9M
Net Income	$161.1M+127.3%	$70.8M+645.4%	$9.5M-88.8%	$85.0M-4.7%	$89.3M+15.0%	$77.6M
EPS (Diluted)	$11.24+126.2%	$4.97+653.0%	$0.66-88.8%	$5.89-2.6%	$6.05+16.3%	$5.20

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	N/A	$98.1M+4.7%	$93.6M+335.4%	$21.5M+16.3%	$18.5M-13.2%	$21.3M+10.5%	$19.3M-4.8%	$20.3M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	N/A	$34.2M+2.0%	$33.5M+2.2%	$32.8M-2.8%	$33.7M-6.1%	$35.9M+4.8%	$34.3M+5.5%	$32.5M
Income Tax	N/A	$7.4M+9.8%	$6.8M+10.6%	$6.1M+1.3%	$6.0M+3.2%	$5.9M+19.5%	$4.9M-5.7%	$5.2M
Net Income	N/A	$23.7M+10.3%	$21.5M+9.1%	$19.7M+0.1%	$19.7M+5.5%	$18.6M+18.8%	$15.7M-7.1%	$16.9M
EPS (Diluted)	N/A	$1.65+10.0%	$1.50+9.5%	$1.37	N/A	$1.30+18.2%	$1.10-6.8%	$1.18

TMP Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$8.7B+6.9%	$8.1B+3.7%	$7.8B+1.9%	$7.7B-1.9%	$7.8B+2.6%	$7.6B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$132.8M-1.2%	$134.4M+69.0%	$79.5M+2.2%	$77.8M+23.3%	$63.1M-83.8%	$388.5M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$72.7M-21.5%	$92.6M0.0%	$92.6M0.0%	$92.6M+0.2%	$92.4M0.0%	$92.4M
Total Liabilities	$7.7B+4.5%	$7.4B+3.4%	$7.1B+1.4%	$7.1B-0.5%	$7.1B+2.7%	$6.9B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$938.4M+31.5%	$713.4M+6.7%	$668.5M+8.5%	$616.0M-15.3%	$727.5M+1.6%	$716.3M
Retained Earnings	$662.2M+23.3%	$537.2M+7.1%	$501.5M-4.8%	$526.7M+10.8%	$475.3M+13.6%	$418.4M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$8.7B+2.4%	$8.5B+1.1%	$8.4B+2.1%	$8.2B+1.1%	$8.1B+1.3%	$8.0B+1.7%	$7.9B+1.2%	$7.8B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$132.8M-31.4%	$193.5M-9.0%	$212.6M+10.1%	$193.1M+43.7%	$134.4M+1.6%	$132.3M+86.6%	$70.9M+24.1%	$57.1M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$72.7M-21.5%	$92.6M0.0%	$92.6M0.0%	$92.6M0.0%	$92.6M0.0%	$92.6M0.0%	$92.6M0.0%	$92.6M
Total Liabilities	$7.7B+0.7%	$7.7B+0.9%	$7.6B+2.1%	$7.5B+0.8%	$7.4B+1.5%	$7.3B+1.3%	$7.2B+1.2%	$7.1B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$938.4M+19.0%	$788.8M+3.5%	$761.8M+2.8%	$741.4M+3.9%	$713.4M-0.9%	$719.9M+6.7%	$674.6M+1.0%	$667.9M
Retained Earnings	$662.2M+15.1%	$575.1M+2.6%	$560.4M+2.3%	$547.9M+2.0%	$537.2M+2.0%	$526.4M+1.9%	$516.6M+1.4%	$509.7M

TMP Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$38.9M-59.1%	$95.0M+6.7%	$89.0M-13.9%	$103.3M-14.7%	$121.2M+19.5%	$101.4M
Capital Expenditures	$6.9M+11.5%	$6.2M-8.2%	$6.8M-17.2%	$8.2M+72.3%	$4.7M+4.2%	$4.6M
Free Cash Flow	$31.9M-64.0%	$88.8M+7.9%	$82.2M-13.6%	$95.2M-18.3%	$116.4M+20.2%	$96.8M
Investing Cash Flow	-$300.7M-20.1%	-$250.4M-71.2%	-$146.3M-1632.6%	-$8.4M+98.6%	-$583.3M+9.4%	-$643.7M
Financing Cash Flow	$260.3M+23.7%	$210.3M+256.5%	$59.0M+173.6%	-$80.2M-158.6%	$136.8M-82.7%	$792.8M
Dividends Paid	$36.1M+3.0%	$35.0M+1.6%	$34.5M+2.8%	$33.6M+3.5%	$32.4M+3.4%	$31.4M
Share Buybacks	$1.6M	$0-100.0%	$8.7M-43.4%	$15.4M-35.1%	$23.8M+152.5%	$9.4M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	-$37.2M-206.6%	$34.9M+84.2%	$18.9M-14.7%	$22.2M-4.4%	$23.2M+9.7%	$21.2M-22.3%	$27.3M+17.4%	$23.2M
Capital Expenditures	$3.9M+289.9%	$1.0M+49.5%	$669K-50.6%	$1.4M-14.6%	$1.6M-29.7%	$2.3M+130.4%	$979K-29.5%	$1.4M
Free Cash Flow	-$41.1M-221.2%	$33.9M+85.5%	$18.3M-12.4%	$20.9M-3.7%	$21.7M+14.4%	$18.9M-28.0%	$26.3M+20.4%	$21.9M
Investing Cash Flow	-$30.5M+71.9%	-$108.3M+20.6%	-$136.5M-436.5%	-$25.4M+79.7%	-$125.4M-211.1%	-$40.3M+52.3%	-$84.4M-27676.6%	-$304K
Financing Cash Flow	$7.0M-87.1%	$54.4M-60.3%	$137.0M+121.4%	$61.9M-40.6%	$104.2M+29.4%	$80.5M+13.5%	$70.9M+256.5%	-$45.3M
Dividends Paid	$9.6M+8.3%	$8.8M-0.3%	$8.9M+0.3%	$8.8M-3.4%	$9.1M+5.3%	$8.7M-0.2%	$8.7M+2.0%	$8.5M
Share Buybacks	N/A	N/A	N/A	N/A	$0	$0	N/A	N/A

TMP Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	212.7%+123.3pp	89.3%+76.6pp	12.7%-102.3pp	115.0%-8.0pp	123.0%+4.9pp	118.0%
Return on Equity	17.2%+7.2pp	9.9%+8.5pp	1.4%-12.4pp	13.8%+1.5pp	12.3%+1.4pp	10.8%
Return on Assets	1.9%+1.0pp	0.9%+0.8pp	0.1%-1.0pp	1.1%-0.0pp	1.1%+0.1pp	1.0%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	8.24-2.1	10.37-0.3	10.70-0.8	11.45+1.7	9.75+0.1	9.64
FCF Margin	42.2%-69.7pp	111.9%+2.3pp	109.6%-19.0pp	128.7%-31.7pp	160.4%+13.1pp	147.3%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	N/A	24.1%+1.2pp	22.9%-68.6pp	91.5%-14.8pp	106.3%+18.9pp	87.5%+6.2pp	81.3%-2.0pp	83.3%
Return on Equity	N/A	3.0%+0.2pp	2.8%+0.2pp	2.6%-0.1pp	2.8%+0.2pp	2.6%+0.3pp	2.3%-0.2pp	2.5%
Return on Assets	N/A	0.3%+0.0pp	0.3%+0.0pp	0.2%0.0pp	0.2%0.0pp	0.2%+0.0pp	0.2%-0.0pp	0.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	8.24-1.5	9.74-0.3	9.99-0.1	10.06-0.3	10.37+0.2	10.12-0.5	10.66+0.0	10.64
FCF Margin	N/A	34.6%+15.0pp	19.5%-77.5pp	97.0%-20.1pp	117.2%+28.3pp	88.9%-47.5pp	136.4%+28.5pp	107.9%

Similar Companies

Community Tr Bancorp Inc CTBI

$1.1B

Old Second Bancorp Inc Ill OSBC

$1.1B

Origin Bancorp OBK

$1.3B

Oceanfirst Finl Corp OCFC

$1.0B

Brookline Bncp BRKL

$975.7M

Frequently Asked Questions

What is Tompkins Financl's annual revenue?

Tompkins Financl (TMP) reported $75.7M in total revenue for fiscal year 2025. This represents a -4.5% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Tompkins Financl's revenue growing?

Tompkins Financl (TMP) revenue declined by 4.5% year-over-year, from $79.3M to $75.7M in fiscal year 2025.

Is Tompkins Financl profitable?

Yes, Tompkins Financl (TMP) reported a net income of $161.1M in fiscal year 2025, with a net profit margin of 212.7%.

What is Tompkins Financl's net profit margin?

Tompkins Financl (TMP) had a net profit margin of 212.7% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Tompkins Financl pay dividends?

Yes, Tompkins Financl (TMP) paid $3.13 per share in dividends during fiscal year 2025.

What is Tompkins Financl's return on equity (ROE)?

Tompkins Financl (TMP) has a return on equity of 17.2% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Tompkins Financl's free cash flow?

Tompkins Financl (TMP) generated $31.9M in free cash flow during fiscal year 2025. This represents a -64.0% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Tompkins Financl's operating cash flow?

Tompkins Financl (TMP) generated $38.9M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Tompkins Financl's total assets?

Tompkins Financl (TMP) had $8.7B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Tompkins Financl's capital expenditures?

Tompkins Financl (TMP) invested $6.9M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Tompkins Financl buy back shares?

Yes, Tompkins Financl (TMP) spent $1.6M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

What is Tompkins Financl's debt-to-equity ratio?

Tompkins Financl (TMP) had a debt-to-equity ratio of 8.24 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Tompkins Financl's return on assets (ROA)?

Tompkins Financl (TMP) had a return on assets of 1.9% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Tompkins Financl's Piotroski F-Score?

Tompkins Financl (TMP) has a Piotroski F-Score of 3 out of 9, indicating weak financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Tompkins Financl's earnings high quality?

Tompkins Financl (TMP) has an earnings quality ratio of 0.24x, considered low quality (accrual-driven). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Tompkins Financl?

Tompkins Financl (TMP) scores 44 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.