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Financials · TMP

Tompkins Financial Corporation (TMP) financials

For the twelve months ended Sep 30, 2026, Tompkins Financial Corporation reported $455.49M of revenue and $180.28M of net income.

Revenue, TTM
$455.49M
Revenue growth, YoY
+38.5%
Net income, TTM
$180.28M
Net income growth, YoY
+113.4%
Net margin
39.6%
Free cash flow, TTM
$49.75M
EPS, diluted, TTM
$12.58
EPS growth, YoY
+112.9%
Cash
$242.15M
P/E
8.02
P/S
3.17
Market cap
$1.45B
Annual revenue$446.60M
FY2016FY2025
Annual net income$161.07M
FY2016FY2025
Annual free cash flow$31.95M
FY2016FY2025

TMP revenue and earnings growth

TMP revenueQ3 2026$89.85M

Quarter YoY
+2.8%
QoQ
+3.1%
FY YoY
+49.3%
5Y CAGR
+8.3%
10Y CAGR
+6.4%

TMP revenue was $89.85M in fiscal Q3 2026 (ended Sep 30, 2026), up 2.8% from a year earlier and up 3.1% from the prior quarter. For the full fiscal 2025 it was $446.60M, up 49.3% from fiscal 2024. Compound annual growth was +8.3% over 5 years and +6.4% over 10 years. It rose in 8 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

TMP net incomeQ3 2026$28.65M

Quarter YoY
+21.0%
QoQ
-2.2%
FY YoY
+127.3%
5Y CAGR
+15.7%
10Y CAGR
+10.7%

TMP net income was $28.65M in fiscal Q3 2026 (ended Sep 30, 2026), up 21.0% from a year earlier and down 2.2% from the prior quarter. For the full fiscal 2025 it was $161.07M, up 127.3% from fiscal 2024. Compound annual growth was +15.7% over 5 years and +10.7% over 10 years. It rose in 5 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

TMP EPSQ3 2026$2.00

Quarter YoY
+21.2%
QoQ
-2.0%
FY YoY
+126.2%
5Y CAGR
+16.7%
10Y CAGR
+11.3%

TMP diluted EPS was $2.00 in fiscal Q3 2026 (ended Sep 30, 2026), up 21.2% from a year earlier and down 2.0% from the prior quarter. For the full fiscal 2025 it was $11.24, up 126.2% from fiscal 2024. Compound annual growth was +16.7% over 5 years and +11.3% over 10 years.

TMP free cash flowQ3 2026$36.87M

Quarter YoY
+5.7%
FY YoY
-64.0%
5Y CAGR
-19.9%
10Y CAGR
-8.4%

TMP free cash flow was $36.87M in fiscal Q3 2026 (ended Sep 30, 2026), up 5.7% from a year earlier. For the full fiscal 2025 it was $31.95M, down 64.0% from fiscal 2024. Compound annual growth was -19.9% over 5 years and -8.4% over 10 years. It rose in 5 of the last 10 fiscal years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$446.60M$299.23M$219.75M$308.25M$302.64M$299.20M$286.06M$289.25M$270.51M$249.44M
Interest expense--$87.84M$21.04M$17.53M$28.99M$50.75M$39.79M$25.46M$22.10M
Pre-tax income$224.86M$92.98M$12.12M$109.71M$114.57M$97.67M$102.86M$104.24M$95.24M$86.52M
Income tax$63.78M$22.00M$2.50M$24.56M$25.18M$19.92M$21.02M$21.80M$42.62M$27.05M
Net income$161.07M$70.85M$9.51M$85.03M$89.26M$77.59M$81.72M$82.31M$52.49M$59.34M
EPS, basic$11.30$4.98$0.66$5.92$6.08$5.22$5.39$5.39$3.46$3.94
EPS, diluted$11.24$4.97$0.66$5.89$6.05$5.20$5.37$5.35$3.43$3.91
Diluted shares14.3M14.3M14.3M14.4M14.6M14.7M15.0M15.1M15.1M14.9M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$132.82M$134.40M$79.54M$77.84M$63.11M$388.46M$137.98M$80.39M$84.30M$63.95M
Goodwill$72.74M$92.60M$92.60M$92.60M$92.45M$92.45M$92.45M$92.28M$92.29M$92.62M
Total assets$8.67B$8.11B$7.82B$7.67B$7.82B$7.62B$6.73B$6.76B$6.65B$6.24B
Total liabilities$7.73B$7.40B$7.15B$7.05B$7.09B$6.90B$6.06B$6.14B$6.07B$5.69B
Shareholders' equity$938.38M$713.44M$669.93M$617.39M$728.94M$717.69M$663.05M$620.87M$576.20M$549.40M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$38.87M$94.97M$89.00M$103.34M$121.18M$101.39M$101.61M$107.27M$86.06M$90.86M
Capital expenditures$6.92M$6.21M$6.76M$8.17M$4.74M$4.55M$6.01M$18.08M$35.29M$16.27M
Free cash flow$31.95M$88.76M$82.24M$95.17M$116.44M$96.84M$95.60M$89.18M$50.77M$74.59M
Investing cash flow-$300.73M-$250.44M-$146.30M-$8.44M-$583.29M-$643.72M$133.99M-$143.60M-$426.95M-$573.49M
Financing cash flow$260.28M$210.33M$59.00M-$80.17M$136.76M$792.81M-$178.01M$32.42M$361.24M$488.33M
Dividends paid$36.09M$35.05M$34.51M$33.56M$32.41M$31.36M$30.64M$29.63M$27.63M$26.60M
Share repurchases$1.65M$0$8.73M$15.43M$23.77M$9.41M$29.87M$2.45M$0$1.17M
Stock-based compensation$3.49M$4.63M$4.10M$4.34M$5.14M$4.73M$4.24M$3.48M$2.96M$2.27M
Depreciation and amortization$6.63M$7.47M$8.09M$7.64M$7.97M$7.83M$7.71M$7.60M$6.82M$6.25M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY49.3%36.2%-28.7%1.9%1.2%4.6%-1.1%6.9%8.4%3.8%
Net income growth, YoY127.3%645.4%-88.8%-4.7%15.0%-5.1%-0.7%56.8%-11.5%1.6%
EPS growth, YoY126.2%653.0%-88.8%-2.6%16.3%-3.2%0.4%56.0%-12.3%1.0%
Net margin36.1%23.7%4.3%27.6%29.5%25.9%28.6%28.5%19.4%23.8%
Free cash flow margin7.2%29.7%37.4%30.9%38.5%32.4%33.4%30.8%18.8%29.9%
Return on equity17.2%9.9%1.4%13.8%12.2%10.8%12.3%13.3%9.1%10.8%
Return on assets1.9%0.9%0.1%1.1%1.1%1.0%1.2%1.2%0.8%1.0%

Source: XBRL data Tompkins Financial Corporation files with the SEC, latest filing dated Oct 30, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

TMP peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
TMP$455.49M+38.5%$180.28M39.6%$1.45B
JPM$203.15B+13.2%$65.98B32.5%$908.43B
BAC$120.16B+5.4%$32.24B26.8%$348.81B
WFC$87.23B+5.4%$22.97B26.3%$256.63B
C$85.22B+5.6%$14.31B16.8%$201.89B
UBS$49.57B+2.0%$7.80B15.7%$151.93B
MFG¥8.79T+7.6%¥1.16T13.2%$122.19B
COF$63.01B+31.2%$10.87B17.2%$119.45B
BNSC$37.74B+12.1%C$7.79B20.6%$114.51B

TMP FAQ

8 questions
  • What is TMP revenue?
    Tompkins Financial Corporation (TMP) reported $455.49M of revenue for the twelve months ended Sep 30, 2026. That is up 38.5% from the year before. Revenue for fiscal 2025 was $446.60M.
  • Is TMP profitable?
    Yes. Tompkins Financial Corporation earned $180.28M in net income for the twelve months ended Sep 30, 2026, a net margin of 39.6%.
  • How much cash and debt does TMP have?
    Tompkins Financial Corporation reported $242.15M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is TMP revenue growing?
    Tompkins Financial Corporation's revenue changed +49.3% in fiscal 2025, to $446.60M. Its compound annual growth rate was +8.3% over 5 years and +6.4% over 10 years.
  • What is TMP free cash flow?
    Tompkins Financial Corporation generated $49.75M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $59.01M less capital expenditures.
  • What is TMP earnings per share?
    Diluted earnings per share were $12.58 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did TMP last report financial results?
    The latest statements here come from Tompkins Financial Corporation's 10-Q filed on Oct 30, 2026, covering the period ended Sep 30, 2026.
  • Where does this TMP financial data come from?
    Quantisnow builds these statements from the structured XBRL data Tompkins Financial Corporation files with the SEC. It is provided for information only and is not investment advice.