Tompkins Financl Financials
Financial Health Signals
Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores
Tompkins Financl's revenue grew 5.7% year-over-year to $79.3M, a solid pace of expansion. This earns a growth score of 45/100.
Tompkins Financl has elevated debt relative to equity (D/E of 10.37), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.
Tompkins Financl converts 111.9% of revenue into free cash flow ($88.8M). This strong cash generation earns a score of 100/100.
Tompkins Financl's ROE of 9.9% shows moderate profitability relative to equity, earning a score of 40/100. This is up from 1.4% the prior year.
Tompkins Financl passes 5 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.
For every $1 of reported earnings, Tompkins Financl generates $1.34 in operating cash flow ($95.0M OCF vs $70.8M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
This page shows Tompkins Financl (TMP) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 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).
Key Financial Metrics
Tompkins Financl generated $79.3M in revenue in fiscal year 2024. This represents an increase of 5.7% from the prior year.
Tompkins Financl generated $88.8M in free cash flow in fiscal year 2024, representing cash available after capex. This represents an increase of 7.9% from the prior year.
Tompkins Financl reported $70.8M in net income in fiscal year 2024. This represents an increase of 645.4% from the prior year.
Tompkins Financl earned $4.97 per diluted share (EPS) in fiscal year 2024. This represents an increase of 653.0% from the prior year.
Tompkins Financl held $134.4M in cash against $0 in long-term debt as of fiscal year 2024.
Tompkins Financl paid $2.44 per share in dividends in fiscal year 2024. This represents an increase of 1.7% from the prior year.
Tompkins Financl's net profit margin was 89.3% in fiscal year 2024, showing the share of revenue converted to profit. This is up 76.6 percentage points from the prior year.
Tompkins Financl's ROE was 9.9% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is up 8.5 percentage points from the prior year.
Tompkins Financl spent $0 on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 100.0% from the prior year.
Tompkins Financl invested $6.2M in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents a decrease of 8.2% from the prior year.
TMP Income Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q1'24 | Q3'24 | Q2'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $98.1M+4.7% | $93.6M+335.4% | $21.5M+16.3% | $18.5M-13.2% | $21.3M+10.5% | $19.3M+12.4% | $17.2M-17.0% | $20.7M |
| 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 | $34.2M+2.0% | $33.5M+2.2% | $32.8M-2.8% | $33.7M-6.1% | $35.9M+4.8% | $34.3M+20.6% | $28.4M+16.3% | $24.5M |
| Income Tax | $7.4M+9.8% | $6.8M+10.6% | $6.1M+1.3% | $6.0M+3.2% | $5.9M+19.5% | $4.9M+57.4% | $3.1M+137.5% | -$8.3M |
| Net Income | $23.7M+10.3% | $21.5M+9.1% | $19.7M+0.1% | $19.7M+5.5% | $18.6M+18.8% | $15.7M+4.5% | $15.0M+145.0% | -$33.4M |
| EPS (Diluted) | $1.65+10.0% | $1.50+9.5% | $1.37-1.4% | $1.39+6.9% | $1.30+18.2% | $1.10+2.8% | $1.07+145.5% | $-2.35 |
TMP Balance Sheet
| Metric | Q3'25 | Q2'25 | Q1'25 | Q1'24 | Q3'24 | Q2'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $8.5B+1.1% | $8.4B+2.1% | $8.2B+1.1% | $8.1B+1.3% | $8.0B+1.7% | $7.9B+0.6% | $7.8B+1.7% | $7.7B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $193.5M-9.0% | $212.6M+10.1% | $193.1M+43.7% | $134.4M+1.6% | $132.3M+86.6% | $70.9M-10.8% | $79.5M-43.3% | $140.2M |
| 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 | $92.6M0.0% | $92.6M0.0% | $92.6M0.0% | $92.6M0.0% | $92.6M0.0% | $92.6M0.0% | $92.6M0.0% | $92.6M |
| Total Liabilities | $7.7B+0.9% | $7.6B+2.1% | $7.5B+0.8% | $7.4B+1.5% | $7.3B+1.3% | $7.2B+0.6% | $7.1B+1.0% | $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 | $788.8M+3.5% | $761.8M+2.8% | $741.4M+3.9% | $713.4M-0.9% | $719.9M+6.7% | $674.6M+0.9% | $668.5M+9.4% | $610.9M |
| Retained Earnings | $575.1M+2.6% | $560.4M+2.3% | $547.9M+2.0% | $537.2M+2.0% | $526.4M+1.9% | $516.6M+3.0% | $501.5M+1.3% | $495.1M |
TMP Cash Flow Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q1'24 | Q3'24 | Q2'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $34.9M+84.2% | $18.9M-14.7% | $22.2M-4.4% | $23.2M+9.7% | $21.2M-22.3% | $27.3M+44.1% | $18.9M-25.2% | $25.3M |
| Capital Expenditures | $1.0M+49.5% | $669K-50.6% | $1.4M-14.6% | $1.6M-29.7% | $2.3M+130.4% | $979K-32.7% | $1.5M-26.0% | $2.0M |
| Free Cash Flow | $33.9M+85.5% | $18.3M-12.4% | $20.9M-3.7% | $21.7M+14.4% | $18.9M-28.0% | $26.3M+50.5% | $17.5M-25.2% | $23.4M |
| Investing Cash Flow | -$108.3M+20.6% | -$136.5M-436.5% | -$25.4M+79.7% | -$125.4M-211.1% | -$40.3M+52.3% | -$84.4M+42.5% | -$146.9M-268.3% | -$39.9M |
| Financing Cash Flow | $54.4M-60.3% | $137.0M+121.4% | $61.9M-40.6% | $104.2M+29.4% | $80.5M+13.5% | $70.9M+5.4% | $67.3M-8.0% | $73.2M |
| Dividends Paid | $8.8M-0.3% | $8.9M+0.3% | $8.8M-3.4% | $9.1M+5.3% | $8.7M-0.2% | $8.7M+2.7% | $8.5M-1.7% | $8.6M |
| Share Buybacks | N/A | N/A | N/A | $0 | $0 | N/A | $23K-99.0% | $2.3M |
TMP Financial Ratios
| Metric | Q3'25 | Q2'25 | Q1'25 | Q1'24 | Q3'24 | Q2'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| 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 | 24.1%+1.2pp | 22.9%-68.6pp | 91.5%-14.8pp | 106.3%+18.9pp | 87.5%+6.2pp | 81.3%-6.1pp | 87.4%+248.8pp | -161.4% |
| Return on Equity | 3.0%+0.2pp | 2.8%+0.2pp | 2.6%-0.1pp | 2.8%+0.2pp | 2.6%+0.3pp | 2.3%+0.1pp | 2.2% | N/A |
| Return on Assets | 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%+0.6pp | -0.4% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 9.74-0.3 | 9.99-0.1 | 10.06-0.3 | 10.37+0.2 | 10.12-0.5 | 10.66-0.0 | 10.70-0.9 | 11.59 |
| FCF Margin | 34.6%+15.0pp | 19.5%-77.5pp | 97.0%-20.1pp | 117.2%+28.3pp | 88.9%-47.5pp | 136.4%+34.5pp | 101.8%-11.2pp | 113.0% |
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Frequently Asked Questions
What is Tompkins Financl's annual revenue?
Tompkins Financl (TMP) reported $79.3M in total revenue for fiscal year 2024. This represents a 5.7% 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 grew by 5.7% year-over-year, from $75.0M to $79.3M in fiscal year 2024.
Is Tompkins Financl profitable?
Yes, Tompkins Financl (TMP) reported a net income of $70.8M in fiscal year 2024, with a net profit margin of 89.3%.
What is Tompkins Financl's earnings per share (EPS)?
Tompkins Financl (TMP) reported diluted earnings per share of $4.97 for fiscal year 2024. This represents a 653.0% 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.
What is Tompkins Financl's net profit margin?
Tompkins Financl (TMP) had a net profit margin of 89.3% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.
Does Tompkins Financl pay dividends?
Yes, Tompkins Financl (TMP) paid $2.44 per share in dividends during fiscal year 2024.
What is Tompkins Financl's return on equity (ROE)?
Tompkins Financl (TMP) has a return on equity of 9.9% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.
What is Tompkins Financl's free cash flow?
Tompkins Financl (TMP) generated $88.8M in free cash flow during fiscal year 2024. This represents a 7.9% 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 $95.0M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.
What are Tompkins Financl's total assets?
Tompkins Financl (TMP) had $8.1B in total assets as of fiscal year 2024, including both current and long-term assets.
What are Tompkins Financl's capital expenditures?
Tompkins Financl (TMP) invested $6.2M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.
What is Tompkins Financl's debt-to-equity ratio?
Tompkins Financl (TMP) had a debt-to-equity ratio of 10.37 as of fiscal year 2024, 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 0.9% for fiscal year 2024, 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 5 out of 9, indicating neutral 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 1.34x, considered cash-backed (high quality). 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 46 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.