[Form 4] TOMPKINS FINANCIAL CORP Insider Trading Activity

Tompkins Financial (TMP) reported an insider equity award.

Rhea-AI Filing Summary

Tompkins Financial (TMP) reported an insider equity award. A company officer (SVP, Director of HR) acquired 685 shares of common stock on 11/12/2025, coded “A” for award, at a transaction price of $67.79 per share.

Following the grant, the officer beneficially owns 2,190.694 shares directly. Indirect holdings include 1,014.4635 shares via the ESOP, and 0 shares attributed by spouse.

The award is restricted stock under the Tompkins Financial Corporation 2019 Equity Incentive Plan. It vests over five years with 0% in year one and 25% in each of years two through five, and the grant will expire ten years from the grant date.

Insider Trade Summary

Grant/Award: 685 shares

Grant/Award 3 txns

Insider Mastin Stacie M

Role SVP, Director of HR

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	685	$67.79	$46K
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 2,190.694 shares (Direct); Common Stock — 0 shares (Indirect, By Spouse); Common Stock — 1,014.4635 shares (Indirect, ESOP)

Footnotes (1)

1. F1. 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.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What insider transaction did TMP disclose on Form 4?

A company officer received an award of 685 shares of restricted common stock on 11/12/2025 at $67.79 per share (transaction code A).

How many shares does the reporting person own after the transaction (TMP)?

Post-transaction beneficial ownership is 2,190.694 shares directly, plus 1,014.4635 shares held indirectly via the ESOP.

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

Vesting is 0% in year one and 25% in each of years two through five.

Under which plan was the TMP restricted stock granted?

The award was granted 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.

Does the reporting person have spouse-attributed shares at TMP?

The table shows 0 shares held indirectly by spouse.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 11/14/2025 - 01:38 PM Learn about SEC filing dates

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^*

Mastin Stacie M

(Last) (First) (Middle)

PO BOX 460

(Street)

ITHACA NY 14851

(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)
	SVP, Director of HR

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		685(1)	A	$67.79	2,190.694	D
Common Stock								0	I	By Spouse
Common Stock								1,014.4635	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/ Stacie M. Mastin	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.