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Tompkins Financial (TMP) CEO nets shares after tax withholding move

Filing Impact
(High)
Filing Sentiment
(Neutral)
Form Type
4

Rhea-AI Filing Summary

Tompkins Financial Corp President & CEO Stephen S. Romaine reported routine equity compensation activity involving performance-based stock units. On May 18, 2026, he acquired 3,095 shares of common stock at $0.00 per share as a grant/award tied to performance metrics over a three-year period. To cover related tax obligations, 1,580 shares were withheld at $84.18 per share, a non-market tax-withholding disposition rather than an open-market sale. After these transactions, he directly holds 71,466.697 shares of Tompkins common stock. Additional indirect holdings are reported by his spouse, an ESOP, and a 401(k)/ISOP, for which he disclaims beneficial ownership.

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Insider ROMAINE STEPHEN S
Role President & CEO
Type Security Shares Price Value
Grant/Award Common Stock 3,095 $0.00 --
Tax Withholding Common Stock 1,580 $84.18 $133K
holding Common Stock -- -- --
holding Common Stock -- -- --
holding Common Stock -- -- --
Holdings After Transaction: Common Stock — 71,466.697 shares (Direct, null); Common Stock — 11,370.686 shares (Indirect, by 401(k)/ISOP)
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. The reporting person disclaims beneficial ownership of these securities, and this report shall not be deem an admission that the reporting person is the beneficial owner of the securities for purposes of Section 16 or for any other purpose.
Stock award 3,095 shares Performance-based grant/award on May 18, 2026
Tax-withheld shares 1,580 shares at $84.18 Shares withheld for taxes on May 18, 2026
Direct holdings after transactions 71,466.697 shares Common stock directly owned following Form 4 transactions
Spouse indirect holding 452 shares Common stock held by spouse, indirect ownership
ESOP indirect holding 6,057.1854 shares Common stock held by ESOP, indirect ownership
401(k)/ISOP indirect holding 11,370.6856 shares Common stock held by 401(k)/ISOP, indirect ownership
PSU share ratio 1 share per PSU Each performance-based stock unit converts into one common share after vesting
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""
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.
beneficial ownership financial
"The reporting person disclaims beneficial ownership of these securities, and this report shall not be deem an admission that the reporting person is the beneficial owner"
Beneficial ownership means the person or entity that actually enjoys the benefits of owning shares or other assets — such as receiving dividends, voting rights, or price gains — even if the legal title is held in another name. For investors it matters because knowing who truly controls and profits from a company reveals who can influence decisions, exposes potential conflicts of interest or hidden concentration of power, and affects transparency and risk in the stock.
ESOP financial
"nature_of_ownership": "by ESOP""
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.
401(k)/ISOP financial
"nature_of_ownership": "by 401(k)/ISOP""
SEC Form 4
FORM 4UNITED 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*
ROMAINE STEPHEN S

(Last)(First)(Middle)
TOMPKINS FINANCIAL CORPORATION
P.O. BOX 460

(Street)
ITHACA NEW YORK 14851

(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)
XDirector10% Owner
XOfficer (give title below)Other (specify below)
President & CEO
2a. Foreign Trading Symbol
3. Date of Earliest Transaction (Month/Day/Year)
05/18/2026
6. Individual or Joint/Group Filing (Check Applicable Line)
XForm 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)
CodeVAmount(A) or (D)Price
Common Stock05/18/2026A3,095(1)A$071,466.697D
Common Stock05/18/2026F1,580(2)D$84.1869,886.697D
Common Stock11,370.6856Iby 401(k)/ISOP
Common Stock6,057.1854Iby ESOP
Common Stock452I(3)By Spouse
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)
CodeV(A)(D)Date ExercisableExpiration DateTitleAmount 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.
3. The reporting person disclaims beneficial ownership of these securities, and this report shall not be deem an admission that the reporting person is the beneficial owner of the securities for purposes of Section 16 or for any other purpose.
/s/ Stephen S. Romaine05/19/2026
** Signature of Reporting PersonDate
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 Tompkins Financial (TMP) CEO Stephen Romaine report in this Form 4?

Stephen S. Romaine reported a stock award and tax withholding. He received 3,095 Tompkins common shares as a performance-based grant, while 1,580 shares were withheld at $84.18 per share to satisfy tax obligations, leaving 71,466.697 shares directly owned.

How many Tompkins (TMP) shares does the CEO own directly after these transactions?

After the reported transactions, the CEO directly owns 71,466.697 shares. This figure reflects the 3,095-share performance-based grant and the 1,580 shares withheld for taxes, resulting in an updated direct ownership balance of Tompkins Financial common stock.

Was there any open-market buying or selling of Tompkins (TMP) stock by the CEO?

No open-market purchases or sales are reported. The Form 4 shows a performance-based stock award of 3,095 shares and 1,580 shares withheld to pay taxes, which is a tax-withholding disposition rather than an open-market trade in Tompkins stock.

What are the performance-based stock units (PSUs) mentioned for Tompkins (TMP)?

Each PSU represents a right to receive one Tompkins share after vesting. The number of shares delivered depends on pre-established performance metrics approved by the Compensation Committee, measured over a three-year performance period tied to the fiscal years around the grant.

How many Tompkins (TMP) shares were withheld for the CEO’s tax obligations?

A total of 1,580 Tompkins common shares were withheld for taxes. The shares were valued at $84.18 per share for this purpose, reflecting a tax-withholding disposition associated with the vesting of the performance-based stock units rather than a voluntary market sale.