TMP insider award: 900 restricted shares; 5-year vesting disclosed

Rhea-AI Filing Summary

Tompkins Financial Corp (TMP) reported an insider equity award on a Form 4. On 11/12/2025, Officer Ginger G. Kunkel (President TCB Pennsylvania) acquired 900 shares of common stock (code A) at $67.79 per share.

Following the transaction, the reporting person beneficially owned 5,304.405 shares directly and 122.0978 shares indirectly through an ESOP. The filing notes these are restricted stock granted under the Tompkins Financial Corporation 2019 Equity Incentive Plan, with a five-year vesting schedule: 0% in year one and 25% in years two through five. The grant will expire ten years from the grant date.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider Kunkel Ginger G

Role President TCB Pennsylvania

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	900	$67.79	$61K
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 5,304.405 shares (Direct); Common Stock — 122.098 shares (Indirect, ESOP)

Footnotes (1)

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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 NY 14850

(City) (State) (Zip)

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

3. Date of Earliest Transaction (Month/Day/Year)
11/12/2025

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

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

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

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	11/12/2025		A		900(1)	A	$67.79	5,304.405	D
Common Stock								122.0978	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. Restricted stock was granted pursuant to the Tompkins Financial Corporation 2019 Equity Incentive Plan. Restricted stock grants have a five-year vesting schedule with 0% vesting in year one and 25% vesting in years two through five. The grant will expire ten years from the date of the grant.

	/s/ Ginger G. Kunkel	11/13/2025
	** 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.

FAQ

What insider transaction did TMP disclose on Form 4?

900 shares of common stock were acquired (code A) on 11/12/2025 at $67.79 per share by Officer Ginger G. Kunkel.

How many TMP shares does the reporting person now own?

Beneficial ownership is 5,304.405 shares directly and 122.0978 shares indirectly via an ESOP.

What is the vesting schedule for the TMP restricted stock grant?

Five-year vesting: 0% in year one and 25% in each of years two through five.

Under which plan was the restricted stock granted for TMP?

The grant was made under the Tompkins Financial Corporation 2019 Equity Incentive Plan.

When does the TMP restricted stock grant expire?

The grant will expire ten years from the date of the grant.

What is the relationship of the reporting person to TMP?

The reporting person is an Officer, titled President TCB Pennsylvania.