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

Tompkins Financial Corporation (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 Financial Corporation (TMP) Financials

TMP

Trailing 12 months to June 30, 2026

Revenue $453.1M +42.5% YoY

Net Income $175.3M +120.7% YoY

EPS (Diluted) $12.23 +120.4% YoY

Free Cash Flow $47.8M -39.4% YoY

Market Cap $1.4B as of Oct 3, 2026

Price / Sales 3.1x on $453.1M revenue, trailing 12 months to June 30, 2026

Price / Earnings 8.1x on $175.3M net income, trailing 12 months to June 30, 2026

Price / Book 1.5x on $959.9M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 3, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Jul 31, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Jul 31, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the TMP SEC filings page.

Tompkins Financial Corporation (TMP) reported $453.1M in revenue over the twelve months to Jun 30, 2026, up 42.5% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).

Rhea AI TMP FY2025 2026-10-04

The 2025 earnings rebound came with weaker reported cash conversion and a still liability-funded balance sheet.

Net income climbed from $70.9M in FY2024 to $161.1M in FY2025, indicating a much stronger accounting result. Yet operating cash flow fell from $95.0M to $38.9M, so the profit rebound did not translate proportionally into reported cash generation.

The balance sheet remains heavily liability-funded: FY2025 liabilities were $7.7B against $938M of equity. Reported debt-to-equity nonetheless fell to 8.2x from 10.4x in FY2024, reflecting equity growth that outpaced the change in liabilities.

Weak free cash flow was not caused by heavy capital spending: FY2025 free cash flow was $31.9M despite capital expenditures of $6.9M. The small reinvestment requirement makes the cash-generation shortfall more important than a capital-intensity explanation.

Financial Health Signals

Financial Health Score 49/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Tompkins Financial Corporation's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Tompkins Financial Corporation earned a return on assets of 1.9% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.9% the prior year. Earnings ranks banks on that return over three years, and Tompkins Financial Corporation scores 75/100 among other banks.

Growth

Tompkins Financial Corporation reported revenue of $446.6M in fiscal year 2025, against $299.2M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Tompkins Financial Corporation scores 92/100 among other banks.

Capital

Tompkins Financial Corporation funded 10.8% of its assets with shareholders' equity at the end of fiscal year 2025, holding $938.4M of equity against $8.7B of assets. Capital ranks banks on that cushion, and Tompkins Financial Corporation scores 42/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Tompkins Financial Corporation scores 56/100 on it among other banks.

Credit Quality

Not available for Tompkins Financial Corporation, and counted as zero in the overall score.

Stability

Tompkins Financial Corporation reported net income of $161.1M in fiscal year 2025, against $70.8M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Tompkins Financial Corporation scores 29/100 among other banks.

Piotroski F-Score Partial

5/6

Tompkins Financial Corporation passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, all 1 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Low Quality

0.24x

For every $1 of reported earnings, Tompkins Financial Corporation 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

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Earnings & Revenue

Revenue

$87.1M

YoY+5.4%

QoQ+4.1%

5Y CAGR+3.4%

10Y CAGR+3.5%

Tompkins Financial Corporation generated $87.1M in revenue in Q2 2026. This represents an increase of 5.4% from the same quarter a year earlier. Against the prior quarter it is up 4.1%.

Net Income

$29.3M

YoY+36.5%

QoQ+12.4%

5Y CAGR+5.1%

10Y CAGR+7.0%

Tompkins Financial Corporation reported $29.3M in net income in Q2 2026. This represents an increase of 36.5% from the same quarter a year earlier. Against the prior quarter it is up 12.4%.

EPS (Diluted)

$2.04

YoY+36.0%

QoQ+12.1%

5Y CAGR+5.8%

10Y CAGR+7.6%

Tompkins Financial Corporation earned $2.04 per diluted share (EPS) in Q2 2026. This represents an increase of 36.0% from the same quarter a year earlier. Against the prior quarter it is up 12.1%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

-$17.1M

YoY-199.0%

QoQ-124.1%

Tompkins Financial Corporation recorded an outflow of $17.1M in free cash flow in Q2 2026, representing a cash shortfall after capex. This represents a decrease of 199.0% from the same quarter a year earlier. Against the prior quarter it is down 124.1%.

Cash & Debt

$147.8M

YoY-30.5%

QoQ-13.8%

5Y CAGR-12.7%

10Y CAGR+8.3%

Tompkins Financial Corporation held $147.8M in cash as of Q2 2026; long-term debt is not reported for that period.

Dividends Per Share

$0.67

YoY+8.1%

QoQ0.0%

5Y CAGR+4.4%

Tompkins Financial Corporation paid $0.67 per share in dividends in Q2 2026. This represents an increase of 8.1% from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

14M

YoY-0.3%

QoQ0.0%

5Y CAGR-0.5%

10Y CAGR-0.4%

Tompkins Financial Corporation had 14M shares outstanding in Q2 2026. This represents a decrease of 0.3% from the same quarter a year earlier. It is unchanged from the prior quarter.

Margins & Returns

Net Margin

33.6%

YoY+7.7pp

QoQ+2.5pp

5Y change+2.7pp

10Y change+9.7pp

Tompkins Financial Corporation's net profit margin was 33.6% in Q2 2026, showing the share of revenue converted to profit. This is up 7.7 percentage points from the same quarter a year earlier. Against the prior quarter it is up 2.5 percentage points.

Return on Equity

3.0%

YoY+0.2pp

QoQ+0.3pp

5Y change-0.1pp

10Y change+0.4pp

Tompkins Financial Corporation's ROE was 3.0% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.2 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.3 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$964K

QoQ-46.9%

Tompkins Financial Corporation spent $964K on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. Against the prior quarter it is down 46.9%.

Capital Expenditures

$2.0M

YoY+201.2%

QoQ-13.5%

5Y CAGR+12.0%

10Y CAGR-3.9%

Tompkins Financial Corporation invested $2.0M in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 201.2% from the same quarter a year earlier. Against the prior quarter it is down 13.5%.

R&D Spending

Not reported for Q2 2026.

TMP Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

TMP quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$453.1M	$446.6M+49.3%	$299.2M+36.2%	$219.8M-28.7%	$308.3M+1.9%	$302.6M+1.2%	$299.2M+4.6%	$286.1M-1.1%	$289.2M+6.9%	$270.5M+8.4%	$249.4M+3.8%	$240.3M+2.4%	$234.6M+1.5%	$231.0M+22.3%	$189.0M+18.5%	$159.4M
SG&A Expenses	$202.8M	$210.2M+5.3%	$199.6M-1.8%	$203.3M+3.9%	$195.8M+2.9%	$190.3M+3.2%	$184.3M+1.4%	$181.8M+0.4%	$181.1M+5.8%	$171.1M+7.9%	$158.6M+5.8%	$149.9M-3.1%	$154.7M+1.0%	$153.1M+11.3%	$137.6M+39.6%	$98.6M
Interest Expense	$128.8M	$132.3M-3.0%	$136.5M+55.4%	$87.8M+317.4%	$21.0M+20.1%	$17.5M-39.5%	$29.0M-42.9%	$50.8M+27.5%	$39.8M+56.3%	$25.5M+15.2%	$22.1M+8.5%	$20.4M-1.5%	$20.7M-13.7%	$24.0M-1.0%	$24.2M-5.7%	$25.7M
Income Tax	$68.5M	$63.8M+189.9%	$22.0M+781.9%	$2.5M-89.8%	$24.6M-2.5%	$25.2M+26.4%	$19.9M-5.2%	$21.0M-3.6%	$21.8M-48.8%	$42.6M+57.6%	$27.0M-6.6%	$29.0M+14.0%	$25.4M+22.3%	$20.8M+87.3%	$11.1M-32.3%	$16.4M
Net Income	$175.3M	$161.1M+127.4%	$70.8M+645.4%	$9.5M-88.8%	$85.0M-4.7%	$89.3M+15.0%	$77.6M-5.1%	$81.7M-0.7%	$82.3M+56.8%	$52.5M-11.5%	$59.3M+1.6%	$58.4M+12.3%	$52.0M+2.3%	$50.9M+62.6%	$31.3M-11.7%	$35.4M
EPS (Basic)	N/A	$11.30+126.9%	$4.98+654.5%	$0.66-88.9%	$5.92-2.6%	$6.08+16.5%	$5.22-3.2%	$5.390.0%	$5.39+55.8%	$3.46-12.2%	$3.94+0.8%	$3.91+11.4%	$3.51+0.9%	$3.48+42.6%	$2.44-24.0%	$3.21
EPS (Diluted)	$12.23	$11.24+126.2%	$4.97+653.0%	$0.66-88.8%	$5.89-2.6%	$6.05+16.3%	$5.20-3.2%	$5.37+0.4%	$5.35+56.0%	$3.43-12.3%	$3.91+1.0%	$3.87+11.2%	$3.48+0.6%	$3.46+42.4%	$2.43-24.1%	$3.20
Diluted Shares (Avg)	N/A	14M+0.5%	14M-0.2%	14M-0.7%	14M-1.7%	15M-0.6%	15M-1.5%	15M-1.0%	15M+0.4%	15M+0.9%	15M+0.5%	15M+0.5%	15M+1.5%	15M+13.5%	13M+16.3%	11M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q/A	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q/A
Revenue	$87.1M+5.4%	$83.7M+2.4%	$194.8M+152.7%	$87.4M+14.2%	$82.6M+13.6%	$81.7M+12.2%	$77.1M+28.7%	$76.6M+270.5%
SG&A Expenses	$47.1M-8.8%	$47.7M-5.7%	$54.1M+8.3%	$53.8M+8.0%	$51.6M+3.4%	$50.6M+1.5%	$50.0M-2.6%	$49.9M0.0%
Interest Expense	$32.0M-4.6%	$30.8M-6.1%	$31.8M-5.6%	$34.2M-4.9%	$33.5M-2.2%	$32.8M+0.9%	$33.7M+18.7%	$35.9M+47.0%
Income Tax	$9.2M+36.6%	$8.4M+37.1%	$43.5M+619.0%	$7.4M+26.9%	$6.8M+38.1%	$6.1M+17.8%	$6.0M+94.1%	$5.9M+170.5%
Net Income	$29.3M+36.5%	$26.1M+32.5%	$96.3M+389.8%	$23.7M+27.0%	$21.5M+36.9%	$19.7M+16.6%	$19.7M+31.0%	$18.6M+155.9%
EPS (Basic)	$2.06+36.4%	$1.83+32.6%	$6.75+389.1%	$1.66+26.7%	$1.51+37.3%	$1.38+16.0%	$1.38+31.4%	$1.31+155.7%
EPS (Diluted)	$2.04+36.0%	$1.82+32.8%	$6.72+387.0%	$1.65+26.9%	$1.50+36.4%	$1.37+16.1%	$1.38+31.4%	$1.30+155.3%
Diluted Shares (Avg)	14M+0.1%	14M+0.2%	N/A	14M+0.4%	14M+0.6%	14M+0.6%	N/A	14M+0.4%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

TMP Balance Sheet

TMP quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$8.7B+6.9%	$8.1B+3.7%	$7.8B+1.9%	$7.7B-1.9%	$7.8B+2.6%	$7.6B+13.3%	$6.7B-0.5%	$6.8B+1.7%	$6.6B+6.6%	$6.2B+9.6%	$5.7B+8.0%	$5.3B+5.3%	$5.0B+3.4%	$4.8B+42.3%	$3.4B
Cash & Equivalents	$132.8M-1.2%	$134.4M+69.0%	$79.5M+2.2%	$77.8M+23.3%	$63.1M-83.8%	$388.5M+181.5%	$138.0M+71.6%	$80.4M-4.6%	$84.3M+31.8%	$64.0M+9.8%	$58.3M+3.9%	$56.1M-32.4%	$82.9M-30.3%	$118.9M+139.9%	$49.6M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$72.7M-21.5%	$92.6M0.0%	$92.6M0.0%	$92.6M+0.2%	$92.4M0.0%	$92.4M0.0%	$92.4M+0.2%	$92.3M0.0%	$92.3M-0.4%	$92.6M+0.9%	$91.8M-0.5%	$92.2M+0.1%	$92.1M-0.2%	$92.3M+110.3%	$43.9M
Total Liabilities	$7.7B+4.5%	$7.4B+3.4%	$7.1B+1.4%	$7.1B-0.5%	$7.1B+2.7%	$6.9B+13.9%	$6.1B-1.2%	$6.1B+1.1%	$6.1B+6.8%	$5.7B+9.9%	$5.2B+8.2%	$4.8B+5.2%	$4.5B+3.4%	$4.4B+41.8%	$3.1B
Total Equity	$938.4M+31.5%	$713.4M+6.7%	$668.5M+8.5%	$616.0M-15.3%	$727.5M+1.6%	$716.3M+8.3%	$661.6M+6.8%	$619.5M+7.8%	$574.8M+4.9%	$548.0M+6.4%	$515.0M+5.5%	$488.1M+6.9%	$456.5M+3.8%	$439.9M+47.8%	$297.7M
Retained Earnings	$662.2M+23.3%	$537.2M+7.1%	$501.5M-4.8%	$526.7M+10.8%	$475.3M+13.6%	$418.4M+12.9%	$370.5M+16.0%	$319.4M+20.5%	$265.0M+15.1%	$230.2M+16.6%	$197.4M+19.5%	$165.2M+20.5%	$137.1M+26.1%	$108.7M+12.7%	$96.4M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q/A	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q/A
Total Assets	$8.8B+5.1%	$8.7B+6.1%	$8.7B+6.9%	$8.5B+5.8%	$8.4B+6.4%	$8.2B+5.4%	$8.1B+3.7%	$8.0B+4.1%
Cash & Equivalents	$147.8M-30.5%	$171.4M-11.2%	$132.8M-1.2%	$193.5M+46.2%	$212.6M+199.7%	$193.1M+237.9%	$134.4M+69.0%	$132.3M-5.6%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$72.7M-21.5%	$72.7M-21.5%	$72.7M-21.5%	$92.6M0.0%	$92.6M0.0%	$92.6M0.0%	$92.6M0.0%	$92.6M0.0%
Total Liabilities	$7.8B+3.0%	$7.7B+3.9%	$7.7B+4.5%	$7.7B+5.4%	$7.6B+5.8%	$7.5B+4.9%	$7.4B+3.4%	$7.3B+2.9%
Total Equity	$959.9M+26.0%	$946.7M+27.7%	$938.4M+31.5%	$788.8M+9.6%	$761.8M+12.9%	$741.4M+11.0%	$713.4M+6.7%	$719.9M+17.8%
Retained Earnings	$698.2M+24.6%	$678.6M+23.9%	$662.2M+23.3%	$575.1M+9.2%	$560.4M+8.5%	$547.9M+7.5%	$537.2M+7.1%	$526.4M+6.3%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

TMP Cash Flow Statement

TMP quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$57.0M	$38.9M-59.1%	$95.0M+6.7%	$89.0M-13.9%	$103.3M-14.7%	$121.2M+19.5%	$101.4M-0.2%	$101.6M-5.3%	$107.3M+24.6%	$86.1M-5.3%	$90.9M+9.7%	$82.8M+6.7%	$77.6M-7.3%	$83.7M+35.5%	$61.8M-14.2%	$72.0M
Depreciation & Amortization	N/A	$6.6M-11.3%	$7.5M-7.7%	$8.1M+5.9%	$7.6M-4.1%	$8.0M+1.7%	$7.8M+1.5%	$7.7M+1.5%	$7.6M+11.4%	$6.8M+9.2%	$6.3M+8.5%	$5.8M+14.9%	$5.0M+2.0%	$4.9M+10.1%	$4.5M+13.3%	$3.9M
Stock-Based Compensation	N/A	$3.5M-24.7%	$4.6M+13.0%	$4.1M-5.6%	$4.3M-15.6%	$5.1M+8.7%	$4.7M+11.8%	$4.2M+21.8%	$3.5M+17.6%	$3.0M+30.2%	$2.3M+19.3%	$1.9M+26.4%	$1.5M+9.0%	$1.4M+5.5%	$1.3M+3.9%	$1.3M
Capital Expenditures	$9.2M	$6.9M+11.5%	$6.2M-8.2%	$6.8M-17.2%	$8.2M+72.3%	$4.7M+4.2%	$4.6M-24.3%	$6.0M-66.7%	$18.1M-48.8%	$35.3M+116.8%	$16.3M+156.6%	$6.3M-29.8%	$9.0M+38.1%	$6.5M-7.4%	$7.1M+113.6%	$3.3M
Free Cash Flow	$47.8M	$31.9M-64.0%	$88.8M+7.9%	$82.2M-13.6%	$95.2M-18.3%	$116.4M+20.2%	$96.8M+1.3%	$95.6M+7.2%	$89.2M+75.6%	$50.8M-31.9%	$74.6M-2.4%	$76.5M+11.5%	$68.6M-11.2%	$77.2M+41.0%	$54.7M-20.3%	$68.7M
Investing Cash Flow	-$319.5M	-$300.7M-20.1%	-$250.4M-71.2%	-$146.3M-1632.6%	-$8.4M+98.6%	-$583.3M+9.4%	-$643.7M-580.4%	$134.0M+193.3%	-$143.6M+66.4%	-$427.0M	N/A	N/A	N/A	N/A	$27.3M+117.9%	-$152.6M
Financing Cash Flow	$198.7M	$260.3M+23.7%	$210.3M+256.5%	$59.0M+173.6%	-$80.2M-158.6%	$136.8M-82.7%	$792.8M+545.4%	-$178.0M-649.1%	$32.4M-91.0%	$361.2M	N/A	N/A	$206.6M+30.2%	$158.6M+906.4%	-$19.7M-124.4%	$80.5M
Dividends Paid	$37.6M	$36.1M+3.0%	$35.0M+1.6%	$34.5M+2.8%	$33.6M+3.5%	$32.4M+3.4%	$31.4M+2.4%	$30.6M+3.4%	$29.6M+7.3%	$27.6M+3.8%	$26.6M+4.7%	$25.4M+6.0%	$24.0M+6.8%	$22.5M+18.1%	$19.0M+23.4%	$15.4M
Share Buybacks	N/A	$1.6M	$0-100.0%	$8.7M-43.4%	$15.4M-35.1%	$23.8M+152.5%	$9.4M-68.5%	$29.9M+1120.1%	$2.4M	$0-100.0%	$1.2M-66.7%	$3.5M-23.8%	$4.6M	$0	N/A	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q/A	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q/A
Operating Cash Flow	-$15.1M-184.1%	$73.4M+230.4%	-$37.2M-260.0%	$35.9M+69.3%	$18.0M-34.2%	$22.2M-4.4%	$23.2M+22.8%	$21.2M-16.3%
Stock-Based Compensation	N/A	$877K-7.0%	N/A	N/A	N/A	$943K-4.2%	N/A	N/A
Capital Expenditures	$2.0M+201.2%	$2.3M+72.2%	$3.9M+146.0%	$1.0M-55.7%	$669K-31.7%	$1.4M-2.6%	$1.6M+9.0%	$2.3M+14.9%
Free Cash Flow	-$17.1M-199.0%	$71.1M+240.7%	-$41.1M-289.7%	$34.9M+84.2%	$17.3M-34.3%	$20.9M-4.5%	$21.7M+24.0%	$18.9M-18.9%
Investing Cash Flow	-$133.1M+2.5%	-$47.5M-86.8%	-$30.5M+75.7%	-$108.3M-168.8%	-$136.5M-61.6%	-$25.4M-8266.8%	-$125.4M+14.7%	-$40.3M-1.0%
Financing Cash Flow	$124.5M-9.1%	$12.7M-79.5%	$7.0M-93.3%	$54.4M-32.4%	$137.0M+93.1%	$61.9M+236.5%	$104.2M+54.8%	$80.5M+10.0%
Dividends Paid	$9.6M+8.5%	$9.5M+8.1%	$9.6M+4.7%	$8.8M+1.8%	$8.9M+1.8%	$8.8M+3.6%	$9.1M+7.9%	$8.7M+0.7%
Share Buybacks	$964K	$1.8M	N/A	N/A	$0	$0	$0-100.0%	$0-100.0%

Not reported in any period shown, so not listed: Depreciation & Amortization.

TMP Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

TMP quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	36.1%+12.4pp	23.7%+19.4pp	4.3%-23.3pp	27.6%-1.9pp	29.5%+3.6pp	25.9%-2.6pp	28.6%+0.1pp	28.5%+9.1pp	19.4%-4.4pp	23.8%-0.5pp	24.3%+2.1pp	22.2%+0.2pp	22.0%+5.4pp	16.6%-5.7pp	22.2%
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%-1.5pp	12.3%-0.9pp	13.3%+4.2pp	9.1%-1.7pp	10.8%-0.5pp	11.3%+0.7pp	10.7%-0.5pp	11.1%+4.0pp	7.1%-4.8pp	11.9%
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%-0.2pp	1.2%0.0pp	1.2%+0.4pp	0.8%-0.2pp	0.9%-0.1pp	1.0%0.0pp	1.0%0.0pp	1.0%+0.4pp	0.7%-0.4pp	1.0%
Debt-to-Equity	8.24-2.1x	10.37-0.3x	10.70-0.8x	11.45+1.7x	9.75+0.1x	9.64+0.5x	9.16-0.7x	9.91-0.7x	10.56+0.2x	10.38+0.3x	10.05+0.3x	9.79-0.2x	9.960.0x	9.99-0.4x	10.42
Asset Turnover	0.050.0x	0.040.0x	0.030.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.050.0x	0.040.0x	0.05
FCF Margin	7.1%-22.5pp	29.7%-7.8pp	37.4%+6.6pp	30.9%-7.6pp	38.5%+6.1pp	32.4%-1.1pp	33.4%+2.6pp	30.8%+12.1pp	18.8%-11.1pp	29.9%-1.9pp	31.8%+2.6pp	29.2%-4.2pp	33.4%+4.5pp	28.9%-14.1pp	43.1%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q/A	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q/A
Net Margin	33.6%+7.7pp	31.1%+7.1pp	49.4%+23.9pp	27.1%+2.7pp	26.0%+4.4pp	24.1%+0.9pp	25.5%+0.5pp	24.3%
Return on Equity	3.0%+0.2pp	2.8%+0.1pp	10.3%+7.5pp	3.0%+0.4pp	2.8%+0.5pp	2.6%+0.1pp	2.8%+0.5pp	2.6%+8.1pp
Return on Assets	0.3%+0.1pp	0.3%+0.1pp	1.1%+0.9pp	0.3%+0.1pp	0.3%+0.1pp	0.2%0.0pp	0.2%0.0pp	0.2%+0.7pp
Debt-to-Equity	8.17-1.8x	8.18-1.9x	8.24-2.1x	9.74-0.4x	9.99-0.7x	10.06-0.6x	10.37-0.3x	10.12-1.5x
Asset Turnover	0.010.0x	0.010.0x	0.020.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	-19.7%-40.6pp	85.0%+59.4pp	-21.1%-49.2pp	39.9%+15.2pp	20.9%-15.3pp	25.6%-4.5pp	28.1%-1.1pp	24.7%

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Tompkins Financial Corporation TMP	FY2025	$446.6M	$161.1M	36.1%	$1.4B	49/100
Community Trust Bancorp Inc CTBI	FY2025	$282.6M	$98.1M	34.7%	$1.4B	65/100
Old Second Bancorp Inc OSBC	FY2025	$339.3M	$80.3M	23.7%	$1.3B	53/100
Origin Bancorp, Inc. OBK	FY2025	$390.8M	$75.2M	19.2%	$1.7B	46/100
OceanFirst Financial Corp OCFC	FY2025	$404.9M	$67.1M	16.6%	$1.6B	37/100

Where Tompkins Financial Corporation Ranks

Frequently Asked Questions

What is Tompkins Financial Corporation's annual revenue?

Tompkins Financial Corporation (TMP) reported $446.6M in total revenue for fiscal year 2025. This represents a 49.3% 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 Financial Corporation's revenue growing?

Tompkins Financial Corporation (TMP) revenue grew by 49.3% year-over-year, from $299.2M to $446.6M in fiscal year 2025.

Is Tompkins Financial Corporation profitable?

Yes, Tompkins Financial Corporation (TMP) reported a net income of $161.1M in fiscal year 2025, with a net profit margin of 36.1%.

What is Tompkins Financial Corporation's net profit margin?

Tompkins Financial Corporation (TMP) had a net profit margin of 36.1% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Tompkins Financial Corporation pay dividends?

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

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

Tompkins Financial Corporation (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 Financial Corporation's free cash flow?

Tompkins Financial Corporation (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 Financial Corporation's operating cash flow?

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

What are Tompkins Financial Corporation's total assets?

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

What are Tompkins Financial Corporation's capital expenditures?

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

Does Tompkins Financial Corporation buy back shares?

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

How many shares does Tompkins Financial Corporation have outstanding?

Tompkins Financial Corporation (TMP) had 14M shares outstanding as of fiscal year 2025.

What is Tompkins Financial Corporation's debt-to-equity ratio?

Tompkins Financial Corporation (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 Financial Corporation's return on assets (ROA)?

Tompkins Financial Corporation (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 Financial Corporation's P/E ratio?

Tompkins Financial Corporation (TMP) trades at 8.1x earnings, its market capitalization divided by net income of $175.3M net income, trailing 12 months to June 30, 2026. The market capitalization is $1.4B as of Oct 3, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Tompkins Financial Corporation's price-to-sales ratio?

Tompkins Financial Corporation (TMP) trades at 3.1x sales, its market capitalization divided by revenue of $453.1M revenue, trailing 12 months to June 30, 2026. The market capitalization is $1.4B as of Oct 3, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Tompkins Financial Corporation's Piotroski F-Score?

Tompkins Financial Corporation (TMP) has a Piotroski F-Score of 5 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Tompkins Financial Corporation's earnings high quality?

Tompkins Financial Corporation (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 Financial Corporation?

Tompkins Financial Corporation (TMP) scores 49 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.