[8-K] TOMPKINS FINANCIAL CORP Reports Material Event

Rhea-AI Filing Summary

Tompkins Financial Corporation (TMP) announced two updates. The company furnished a press release with its earnings for the quarter ended September 30, 2025, providing results and commentary for the period.

The Board declared a cash dividend of $0.65 per share, payable on November 14, 2025, to common shareholders of record on November 7, 2025. This maintains the company’s practice of returning capital to shareholders through regular dividends while reporting quarterly performance via press release.

Insights

Banking Disclosure Analyst

Company furnished Q3 results and declared a cash dividend of $0.65 per share.

The company furnished quarterly results for the period ended September 30, 2025 and disclosed a Board-approved common dividend of $0.65 per share. The dividend is payable on November 14, 2025 to holders of record on November 7, 2025. These items indicate ongoing earnings reporting cadence and a planned cash return to shareholders.

The dividend creates a scheduled cash outflow on the payable date, which presumes sufficient liquidity and capital at that time. The furnished earnings press release (Item 2.02) provides context for operating performance, but it is not incorporated as filed, limiting liability under Section 18. The filing does not state whether the dividend changes from prior levels.

Watch for any details in Exhibit 99.1 regarding net interest margin, credit costs, and capital ratios, which underpin dividend capacity, and confirm the dividend amount and key dates in Exhibit 99.2. The next near-term milestone is the record date on November 7, 2025 followed by payment on November 14, 2025.

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934

Date of Report (Date of earliest event reported) October 23, 2025

Tompkins Financial Corporation

(Exact name of registrant as specified in its charter)

New York			1-12709			16-1482357
(State or other jurisdiction			(Commission			(IRS Employer
of incorporation)			File Number)			Identification No.)

118 E. Seneca Street,

PO Box 460,

Ithaca

New York

14851

(Address of Principal executive offices)

(Zip Code)

Registrant’s telephone number, including area code (888)  503-5753

(Former name or former address, if changed since last report.)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class			Trading Symbol(s)			Name of each exchange on which registered
Common Stock, $0.10 par value			TMP			NYSE American, LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company    ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02 Results of Operations and Financial Condition

        On October 24, 2025, Tompkins Financial Corporation, (the “Company”) issued a press release announcing its earnings for the calendar quarter ended September 30, 2025. A copy of the press release is attached to this Report on Form 8-K as Exhibit 99.1 and is incorporated herein by reference.

The information furnished under Items 2.02 and Item 9.01 of this Report on Form 8-K, including Exhibits 99.1 and 99.2 to this Report on Form 8-K, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to liabilities under the Section, nor shall it be deemed incorporated by reference in any registration statement or other filings of the Company under the Securities Act of 1933, as amended, except as shall be set forth by specific reference in such filing.

Item 8.01 Other Events

On October 23, 2025, the Company's Board of Directors declared a dividend of $0.65 per share, payable on November 14, 2025, to common shareholders of record on November 7, 2025. A copy of the press release is attached to this Report on Form 8-K as Exhibit 99.2.

Item 9.01 Financial Statements and Exhibits

			(a)			Not applicable.
			(b)			Not applicable.
			(c)			Not applicable.
			(d)			Exhibits.

EXHIBIT INDEX

Exhibit No.        Description

99.1    Press Release of Tompkins Financial Corporation dated October 24, 2025

99.2    Press Release of Tompkins Financial Corporation dated October 24, 2025

104    Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

    Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

            TOMPKINS FINANCIAL CORPORATION

Date: October 24, 2025         /s/ Stephen S. Romaine    

             Stephen S. Romaine

             President and CEO