Tompkins Financl Financials
Tompkins Financl (TMP) reported $75.7M in revenue for fiscal year 2025, down 4.5% from the prior fiscal year. 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).
Tompkins' balance-sheet deployment drives results, with profits swinging far more than reported revenue across recent fiscal years.
By FY2025, net income reached$161.1M even though reported revenue slipped to$75.7M . With total assets at$8.7B and ROA nearly doubling year over year, the business is better read through balance-sheet efficiency than through a conventional sales-growth lens.
The move from the FY2023 earnings trough to FY2025 looks like a restored return profile on a still-leveraged balance sheet, not a simple expansion in reported revenue. ROE moved from
Cash conversion weakened sharply in FY2025: operating cash flow fell to
Financial Health Signals
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 Financl'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.
Not available for Tompkins Financl, and counted as zero in the overall score.
Tompkins Financl passes 3 of 5 computable financial strength tests (4 of the nine could not be computed from available data). 3 of 4 profitability signals pass, neither operating efficiency signal passes.
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
Earnings & Revenue
Tompkins Financl generated $75.7M in revenue in fiscal year 2025. This represents a decrease of 4.5% from the prior year.
Tompkins Financl reported $161.1M in net income in fiscal year 2025. This represents an increase of 127.4% from the prior year.
Tompkins Financl earned $11.24 per diluted share (EPS) in fiscal year 2025. This represents an increase of 126.2% from the prior year.
Not reported for fiscal year 2025.
Cash & Balance Sheet
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.
Tompkins Financl held $132.8M in cash as of fiscal year 2025; long-term debt is not reported for that period.
Tompkins Financl paid $3.13 per share in dividends in fiscal year 2025. This represents an increase of 28.3% from the prior year.
Margins & Returns
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.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Not shown for fiscal year 2025: the reported ratio is above 100.0% of revenue, so it does not read as a share of revenue.
Capital Allocation
Tompkins Financl spent $1.6M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding.
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.
Not reported for fiscal year 2025.
TMP Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | N/A | $75.7M-4.5% | $79.3M+5.7% | $75.0M+1.4% | $74.0M+1.9% | $72.6M+10.4% | $65.7M-2.7% | $67.6M+2.4% | $66.0M+4.5% | $63.1M-68.9% | $202.7M+7.4% | $188.7M+2.3% | $184.5M-0.3% | $185.1M+16.9% | $158.4M+15.5% | $137.1M |
| SG&A Expenses | N/A | $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 | N/A | $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 | N/A | $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 | N/A | $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 (Diluted) | — | $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 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
TMP Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 |
| 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 |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Long-Term Debt.
TMP Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 |
| 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 |
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
TMP Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 212.7% | 89.3%+76.6pp | 12.7% | 115.0% | 123.0% | 118.0% | 121.0% | 124.8% | 83.2%+53.9pp | 29.3%-1.7pp | 30.9%+2.7pp | 28.2%+0.7pp | 27.5%+7.7pp | 19.8%-6.1pp | 25.8% |
| 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 |
| FCF Margin | 42.2% | 111.9% | 109.6% | 128.7% | 160.4% | 147.3% | 141.5% | 135.2% | 80.5%+43.7pp | 36.8%-3.7pp | 40.5%+3.4pp | 37.2%-4.5pp | 41.7%+7.1pp | 34.5%-15.6pp | 50.1% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Net Margin, FCF Margin.
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Where Tompkins Financl Ranks
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.
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.
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 5 computable signals; 4 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 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 48 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.