Tompkins Financial (TMP) executive receives stock award with tax withholding

Rhea-AI Filing Summary

Tompkins Financial Corp executive Ginger G. Kunkel reported compensation-related stock activity. She acquired 730 shares of common stock as a grant or award, then had 201 shares withheld at $84.18 per share to cover tax obligations.

After these transactions, she directly holds 6,075.413 shares of Tompkins common stock. She also has an additional 214.4988 shares reported as indirect ownership through an ESOP. These events reflect routine equity compensation and related tax withholding, not open-market buying or selling.

Insider Trade Summary

3 transactions reported

Mixed 3 txns

Insider Kunkel Ginger G

Role President TCB Pennsylvania

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	730	$0.00	--
Tax Withholding	Common Stock	201	$84.18	$17K
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 6,075.413 shares (Direct, null); Common Stock — 214.499 shares (Indirect, ESOP)

Footnotes (1)

1. Each performance-based stock unit (PSU) represents the right to receive, following vesting, one share of Tompkins common stock. The number of shares of common stock acquired upon vesting of the PSUs is contingent upon the achievement of pre-established performance metrics, as approved by the Company's Compensation Committee, over a three-year performance period beginning with the first day of the fiscal year of the grant date and ending on the last day of the fiscal year of the third anniversary of the grant date. Shares withheld for taxes.

Key Figures

Stock grant: 730 shares Tax withholding shares: 201 shares Tax withholding price: $84.18 per share +3 more

6 metrics

Stock grant 730 shares Common Stock grant/award acquisition on May 18, 2026

Tax withholding shares 201 shares Shares withheld for taxes at $84.18 per share

Tax withholding price $84.18 per share Value assigned to 201 withheld shares

Direct holdings after transactions 6,075.413 shares Direct Tompkins common stock holdings following the Form 4 transactions

Indirect ESOP holdings 214.4988 shares Indirect Tompkins common stock ownership through an ESOP as of May 18, 2026

Net shares from grant and tax 529 shares Difference between 730-share grant and 201-share tax withholding

Key Terms

performance-based stock unit (PSU), tax-withholding disposition, Grant, award, or other acquisition, ESOP, +1 more

5 terms

performance-based stock unit (PSU) financial

"Each performance-based stock unit (PSU) represents the right to receive, following vesting, one share of Tompkins common stock."

tax-withholding disposition financial

"transaction_action: tax-withholding disposition for 201.0000 shares of Common Stock."

A tax-withholding disposition is an event or transaction—such as selling or transferring securities, exercising options, or receiving compensation—that triggers a requirement to hold back part of the payment and remit it to tax authorities. It matters to investors because it reduces the cash they receive immediately and can change the timing and amount of taxable income, like a cashier taking a portion of your sale proceeds to pay taxes before you get the rest.

Grant, award, or other acquisition financial

"transaction_code_description: Grant, award, or other acquisition for 730.0000 shares of Common Stock."

ESOP financial

"nature_of_ownership: ESOP for 214.4988 shares reported as indirect ownership."

An Employee Stock Ownership Plan (ESOP) is a program that gives employees ownership shares in their company, often as part of their benefits package. It acts like a company-sponsored savings plan, allowing workers to have a stake in the company's success, which can boost motivation and loyalty. For investors, ESOPs can influence company decisions and stock value, making them an important aspect of corporate ownership and governance.

Compensation Committee financial

"performance metrics, as approved by the Company's Compensation Committee, over a three-year performance period."

A compensation committee is a group within a company's leadership responsible for setting and reviewing how much top executives and employees are paid, including salaries, bonuses, and benefits. It matters to investors because fair and effective pay decisions can influence a company's performance, leadership motivation, and overall governance, helping ensure that the company’s management is aligned with shareholders’ interests.

Form 4 Insider Transactions: What Each Field Means →

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Kunkel Ginger G

(Last) (First) (Middle)

118 E. SENECA STREET

(Street)

ITHACA NEW YORK 14850

(City) (State) (Zip)

UNITED STATES

(Country)

2. Issuer Name and Ticker or Trading Symbol
TOMPKINS FINANCIAL CORP [ TMP ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	President TCB Pennsylvania

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
05/18/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	05/18/2026		A		730(1)	A	$0	6,075.413	D
Common Stock	05/18/2026		F		201(2)	D	$84.18	5,874.413	D
Common Stock								214.4988	I	ESOP

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Each performance-based stock unit (PSU) represents the right to receive, following vesting, one share of Tompkins common stock. The number of shares of common stock acquired upon vesting of the PSUs is contingent upon the achievement of pre-established performance metrics, as approved by the Company's Compensation Committee, over a three-year performance period beginning with the first day of the fiscal year of the grant date and ending on the last day of the fiscal year of the third anniversary of the grant date.

2. Shares withheld for taxes.

	/s/ Ginger G. Kunkel	05/19/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)

FAQ

What did Ginger G. Kunkel report in this Tompkins Financial (TMP) Form 4?

Ginger G. Kunkel reported a stock grant and related tax withholding. She received 730 Tompkins common shares as a grant, and 201 shares were withheld at $84.18 each to satisfy tax obligations tied to the equity award.

How many Tompkins Financial (TMP) shares does Ginger Kunkel hold after this filing?

After the reported transactions, Ginger Kunkel directly holds 6,075.413 Tompkins common shares. She also reports 214.4988 additional shares as indirect ownership through an ESOP, reflecting separate employee benefit plan holdings alongside her direct position.

Was Ginger Kunkel’s Tompkins Financial transaction a market sale or purchase?

The filing shows no open-market sale or purchase. She received 730 shares as a grant or award, while 201 shares were disposed of solely to cover tax liabilities, a standard tax-withholding mechanism rather than a discretionary market trade.

What does the 201-share tax withholding mean for Tompkins Financial (TMP)?

The 201 shares withheld at $84.18 represent payment of tax obligations on Kunkel’s equity award. This is a non-market disposition where shares are delivered to cover taxes, not a sale into the open market or a change in company capital structure.

What are performance-based stock units (PSUs) mentioned in the Tompkins filing?

Performance-based stock units give the right to receive one Tompkins common share after vesting, if conditions are met. Vesting depends on pre-approved performance metrics over a three-year period, as set by the company’s Compensation Committee for the grant.