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Apr 24, 2026·SEC
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Tompkins Financial Corporation(TMP)Earnings, Financials & Key Ratios
TMP•AMEX•Banking & Credit
$85.82
$1.24B mkt cap·7.6× P/E·Price updated May 6, 2026
AboutTompkins Financial Corporation, a financial holding company, provides commercial and consumer banking, leasing, trust and investment management, financial planning and wealth management, and insurance services. The company operates in three segments: Banking, Insurance, and Wealth Management. It accepts various deposit products, including checking accounts, savings accounts, time deposits, and IRA products, as well as brokered, reciprocal, and municipal money market deposits. The company also offers loans for various business purposes, including real estate financing, construction, equipment financing, accounts receivable financing, and commercial leasing; residential mortgage loans; personal loans; residential real estate loans; home equity loans; commercial and industrial loans; commercial real estate loans; agriculture loans; and consumer loans, such as personal installment loans, direct and indirect automobile financing, and overdraft lines of credit. In addition, it provides letters of credit and sweep accounts; credit and debit cards; and deposit and cash management, internet-based account, remote deposit, safe deposit, voice response, ATM, and mobile and internet banking services. Further, the company offers investment management, trust and estate, and financial and tax planning services; property and casualty, medical, life, disability, and long-term care insurance services; employee benefit consulting services; and insurance planning services. It primarily serves individuals, corporate executives, small business owners, and high net worth individuals. The company operates through a network of 63 banking offices, including 43 offices in New York and 20 offices in Pennsylvania. Tompkins Financial Corporation was founded in 1836 and is headquartered in Ithaca, New York.Show more
- Net Interest Income$250M+18.3%
- Total Revenue$579M+34.1%
- Net Income$161M+127.3%
- Return on Equity19.5%+90.4%
- Net Interest Margin2.88%+10.7%
- Efficiency Ratio36.31%-19.9%
- ROA1.92%+115.8%
- Equity / Assets10.83%+23.0%
- Book Value per Share65.46+30.9%
- Tangible BV/Share60.27+39.0%
- Debt/Equity0.70-36.5%
TMP Key Insights
Tompkins Financial Corporation (TMP) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong 5Y profit CAGR of 15.7%
- ✓Efficient operations: 36.3% efficiency ratio
- ✓16 consecutive years of dividend growth
- ✓Well capitalized: 10.8% equity/assets
- ✓Healthy dividend yield of 2.9%
- ✓Diversified revenue: 34.0% from non-interest income
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
TMP Price & Volume
Tompkins Financial Corporation (TMP) stock price & volume — 10-year historical chart
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TMP Growth Metrics
Tompkins Financial Corporation (TMP) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years8.42%
5 Years12.25%
3 Years21.26%
TTM-
Profit CAGR
10 Years10.67%
5 Years15.73%
3 Years23.73%
TTM127.34%
EPS CAGR
10 Years11.25%
5 Years16.67%
3 Years24.04%
TTM126.67%
Return on Capital
10 Years7.41%
5 Years10.19%
3 Years9.03%
Last Year17.34%
TMP Recent Earnings
Tompkins Financial Corporation (TMP) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 8/12 qtrs (67%)●Beat Revenue 6/12 qtrs (50%)
Q2 2026Latest
Apr 24, 2026EPS
$1.82
Est $1.71
+6.4%
Revenue
$84M
Est $84M
+0.1%
Q1 2026
Jan 30, 2026EPS
$1.78
Est $1.76
+1.1%
Revenue
$195M
Est $136M
+43.1%
Q4 2025
Oct 24, 2025EPS
$1.65
Est $1.70
-2.9%
Revenue
$87M
Est $87M
+0.9%
Q3 2025
Jul 25, 2025EPS
$1.50
Est $1.43
+4.9%
Revenue
$83M
Est $86M
-3.3%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 24, 2026 | $1.82vs $1.71+6.4% | $84Mvs $84M+0.1% |
| Q1 2026 | Jan 30, 2026 | $1.78vs $1.76+1.1% | $195Mvs $136M+43.1% |
| Q4 2025 | Oct 24, 2025 | $1.65vs $1.70-2.9% | $87Mvs $87M+0.9% |
| Q3 2025 | Jul 25, 2025 | $1.50vs $1.43+4.9% | $83Mvs $86M-3.3% |
Based on last 12 quarters of dataView full earnings history →
TMP Peer Comparison
Tompkins Financial Corporation (TMP) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 CZWI | 202.59M | 21.04 | 14.41 | -9.41% | 7.81% | 0.28 | ||
 NBTB | 2.36B | 45.20 | 13.57 | 10.36% | 9.51% | 0.17 | ||
 CNOB | 1.52B | 30.16 | 20.38 | 13.44% | 5.49% | 0.74 | ||
 TRST | 861.09M | 48.62 | 14.96 | 5.77% | 8.86% | 0.28 | ||
 FISI | 695.86M | 35.35 | 9.79 | 43.07% | 12.26% | 0.53 | ||
 AMTB | 981.04M | 23.36 | 18.54 | 13.97% | 6.27% | 1.11 | ||
 WSBC | 3.31B | 34.44 | 15.24 | 51.41% | 5.67% | 0.41 | ||
 CTBI | 1.2B | 66.27 | 14.38 | 15.23% | 11.22% | 0.42 |
Compare TMP vs Peers
Tompkins Financial Corporation (TMP) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
TMP Income Statement
Tompkins Financial Corporation (TMP) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 201.3M | 211.8M | 210.63M | 225.34M | 223.79M | 230.28M | 209.51M | 211.1M | 249.73M |
| NII Growth % | 11.44% | 5.21% | -0.55% | 6.98% | -0.69% | 2.9% | -9.02% | 0.76% | 18.3% |
| Net Interest Margin % | 3.03% | 3.13% | 3.13% | 2.96% | 2.86% | 3% | 2.68% | 2.6% | 2.88% |
| Interest Income | 226.76M | 251.59M | 261.38M | 254.33M | 241.32M | 251.32M | 297.36M | 347.57M | 382.07M |
| Interest Expense | 25.46M | 39.79M | 50.75M | 28.99M | 17.53M | 21.04M | 87.84M | 136.47M | 132.34M |
| Loan Loss Provision | 4.16M | 3.94M | 1.37M | 17.21M | -2.22M | 2.79M | 4.34M | 6.61M | 11.53M |
| Non-Interest Income | 65.78M | 71.22M | 72.19M | 70.61M | 75.32M | 73.41M | 6M | 84.07M | 196.87M |
| Non-Interest Income % | 22.49% | 22.06% | 21.64% | 21.73% | 23.79% | 22.61% | 1.98% | 19.48% | 34.01% |
| Total Revenue | 292.55M▲ 0% | 322.81M▲ 10.3% | 333.57M▲ 3.3% | 324.94M▼ 2.6% | 316.63M▼ 2.6% | 324.74M▲ 2.6% | 303.36M▼ 6.6% | 431.65M▲ 42.3% | 578.94M▲ 34.1% |
| Revenue Growth % | 8.73% | 10.34% | 3.33% | -2.59% | -2.56% | 2.56% | -6.58% | 42.29% | 34.12% |
| Non-Interest Expense | 167.68M | 174.84M | 178.6M | 181.07M | 186.75M | 191.19M | 199.05M | 195.59M | 210.21M |
| Efficiency Ratio | 57.32% | 54.16% | 53.54% | 55.72% | 58.98% | 58.88% | 65.62% | 45.31% | 36.31% |
| Operating Income | 95.24M▲ 0% | 104.24M▲ 9.4% | 102.86M▼ 1.3% | 97.67M▼ 5.1% | 114.57M▲ 17.3% | 109.71M▼ 4.2% | 12.12M▼ 88.9% | 92.98M▲ 666.9% | 224.86M▲ 141.8% |
| Operating Margin % | 32.56% | 32.29% | 30.84% | 30.06% | 36.18% | 33.79% | 4% | 21.54% | 38.84% |
| Operating Income Growth % | 10.09% | 9.45% | -1.32% | -5.05% | 17.31% | -4.24% | -88.95% | 666.88% | 141.84% |
| Pretax Income | 95.24M▲ 0% | 104.24M▲ 9.4% | 102.86M▼ 1.3% | 97.67M▼ 5.1% | 114.57M▲ 17.3% | 109.71M▼ 4.2% | 12.12M▼ 88.9% | 92.98M▲ 666.9% | 224.86M▲ 141.8% |
| Pretax Margin % | 32.56% | 32.29% | 30.84% | 30.06% | 36.18% | 33.79% | 4% | 21.54% | 38.84% |
| Income Tax | 42.62M | 21.8M | 21.02M | 19.92M | 25.18M | 24.56M | 2.5M | 22M | 63.78M |
| Effective Tax Rate % | 44.75% | 20.92% | 20.43% | 20.4% | 21.98% | 22.38% | 20.58% | 23.67% | 28.37% |
| Net Income | 52.49M▲ 0% | 82.31M▲ 56.8% | 81.72M▼ 0.7% | 77.59M▼ 5.1% | 89.26M▲ 15.0% | 85.03M▼ 4.7% | 9.51M▼ 88.8% | 70.85M▲ 645.4% | 161.07M▲ 127.3% |
| Net Margin % | 17.94% | 25.5% | 24.5% | 23.88% | 28.19% | 26.18% | 3.13% | 16.41% | 27.82% |
| Net Income Growth % | -11.54% | 56.8% | -0.72% | -5.05% | 15.05% | -4.74% | -88.82% | 645.4% | 127.34% |
| Net Income (Continuing) | 52.62M | 82.44M | 81.84M | 77.74M | 89.39M | 85.16M | 9.63M | 70.97M | 161.07M |
| EPS (Diluted) | 3.43▲ 0% | 5.35▲ 56.0% | 5.37▲ 0.4% | 5.20▼ 3.2% | 6.05▲ 16.3% | 5.89▼ 2.6% | 0.66▼ 88.8% | 4.97▲ 653.0% | 11.24▲ 126.2% |
| EPS Growth % | -12.28% | 55.98% | 0.37% | -3.17% | 16.35% | -2.64% | -88.79% | 653.03% | 126.16% |
| EPS (Basic) | 3.46 | 5.39 | 5.39 | 5.22 | 6.08 | 5.92 | 0.66 | 4.98 | 11.30 |
| Diluted Shares Outstanding | 15.07M | 15.13M | 14.97M | 14.74M | 14.65M | 14.4M | 14.3M | 14.27M | 14.34M |
TMP Balance Sheet
Tompkins Financial Corporation (TMP) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 1.48B | 73.79M | 1.44B | 2.02B | 2.11B | 1.67B | 1.5B | 1.37B | 1.11B |
| Cash & Due from Banks | 77.69M | 73.79M | 137.98M | 388.46M | 63.11M | 77.84M | 79.54M | 134.4M | 132.82M |
| Short Term Investments | 1.39B | 0 | 1.3B | 1.63B | 2.04B | 1.59B | 1.42B | 1.23B | 975.24M |
| Total Investments | 2.92B | 1.47B | 6.16B | 6.82B | 7.35B | 7.12B | 7.27B | 2.78B | 8.12B |
| Investments Growth % | -2.58% | -49.58% | 317.86% | 10.76% | 7.7% | -3.17% | 2.16% | -61.81% | 192.37% |
| Long-Term Investments | 1.53B | 1.47B | 4.86B | 5.2B | 5.3B | 5.52B | 5.85B | 1.54B | 7.14B |
| Accounts Receivables | 80.56M | 82.09M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill & Intangibles | 101.55M | 99.91M | 98.67M | 97.35M | 96.09M | 95.31M | 94.93M | 94.81M | 74.42M |
| Goodwill | 92.29M | 92.28M | 92.45M | 92.45M | 92.45M | 92.6M | 92.6M | 92.6M | 72.74M |
| Intangible Assets | 9.26M | 7.63M | 6.22M | 4.91M | 3.64M | 2.71M | 2.33M | 2.2M | 1.69M |
| PP&E (Net) | 87M | 97.2M | 94.36M | 88.71M | 85.42M | 82.14M | 79.69M | 76.63M | 72.42M |
| Other Assets | 3.45B | 3.67B | 217.46M | 210.87M | 213.32M | 284.33M | 281.4M | -1.54B | 271.55M |
| Total Current Assets | 77.69M | 78.52M | 1.45B | 2.03B | 2.12B | 1.69B | 1.51B | 1.29B | 1.11B |
| Total Non-Current Assets | 5.17B | 5.35B | 5.27B | 5.59B | 5.7B | 5.98B | 6.31B | 171.43M | 7.56B |
| Total Assets | 6.65B▲ 0% | 6.76B▲ 1.7% | 6.73B▼ 0.5% | 7.62B▲ 13.3% | 7.82B▲ 2.6% | 7.67B▼ 1.9% | 7.82B▲ 1.9% | 8.11B▲ 3.7% | 8.67B▲ 6.9% |
| Asset Growth % | 6.6% | 1.66% | -0.49% | 13.33% | 2.6% | -1.91% | 1.94% | 3.7% | 6.9% |
| Return on Assets (ROA) | 0.81% | 1.23% | 1.21% | 1.08% | 1.16% | 1.1% | 0.12% | 0.89% | 1.92% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 1.09B | 1.09B | 735.48M | 344.06M | 190.79M | 347.58M | 653.1M | 790.25M | 660.01M |
| Net Debt | 1B | 1.01B | 597.5M | -44.4M | 127.68M | 269.74M | 573.55M | 655.85M | 527.2M |
| Long-Term Debt | 500.69M | 527.71M | 436.04M | 278.22M | 110M | 50M | 125M | 543.25M | 169.45M |
| Short-Term Debt | 587.74M | 0 | 299.45M | 65.84M | 80.79M | 297.58M | 528.1M | 247M | 490.57M |
| Other Liabilities | 5.57B | 5.61B | 114.17M | 122.67M | 108.82M | 103.42M | 96.87M | 96.55M | 132.11M |
| Total Current Liabilities | 2.67B | 1.5M | 5.51B | 6.5B | 6.87B | 6.9B | 6.93B | 6.76B | 7.43B |
| Total Non-Current Liabilities | 6.07B | 6.14B | 550.2M | 400.88M | 218.82M | 153.42M | 221.87M | 639.79M | 301.56M |
| Total Liabilities | 6.07B | 6.14B | 6.06B | 6.9B | 7.09B | 7.05B | 7.15B | 7.4B | 7.73B |
| Total Equity | 576.2M▲ 0% | 620.87M▲ 7.8% | 663.05M▲ 6.8% | 717.69M▲ 8.2% | 728.94M▲ 1.6% | 617.39M▼ 15.3% | 669.93M▲ 8.5% | 713.44M▲ 6.5% | 938.38M▲ 31.5% |
| Equity Growth % | 4.88% | 7.75% | 6.79% | 8.24% | 1.57% | -15.3% | 8.51% | 6.49% | 31.53% |
| Equity / Assets (Capital Ratio) | 8.67% | 9.19% | 9.86% | 9.42% | 9.32% | 8.05% | 8.57% | 8.8% | 10.83% |
| Return on Equity (ROE) | 9.33% | 13.75% | 12.73% | 11.24% | 12.34% | 12.63% | 1.48% | 10.24% | 19.5% |
| Book Value per Share | 38.23 | 41.03 | 44.28 | 48.68 | 49.76 | 42.86 | 46.84 | 50.00 | 65.46 |
| Tangible BV per Share | 31.49 | 34.43 | 37.69 | 42.08 | 43.20 | 36.24 | 40.21 | 43.36 | 60.27 |
| Common Stock | 1.53M | 1.53M | 1.5M | 1.5M | 1.47M | 1.46M | 1.44M | 1.45M | 1.45M |
| Additional Paid-in Capital | 364.03M | 366.6M | 338.51M | 333.98M | 312.54M | 302.76M | 297.18M | 300.07M | 299.21M |
| Retained Earnings | 265.01M | 319.4M | 370.48M | 418.41M | 475.26M | 526.73M | 501.51M | 537.16M | 662.16M |
| Accumulated OCI | -51.3M | -63.16M | -43.56M | -32.07M | -55.95M | -208.69M | -125M | -118.49M | -19.05M |
| Treasury Stock | -4.49M | -4.9M | -5.28M | -5.53M | -5.79M | -6.28M | -6.61M | -6.74M | -5.38M |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
TMP Cash Flow Statement
Tompkins Financial Corporation (TMP) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 86.06M | 107.27M | 101.61M | 101.39M | 121.18M | 103.34M | 89M | 94.97M | 38.87M |
| Operating CF Growth % | -5.28% | 24.63% | -5.27% | -0.22% | 19.52% | -14.72% | -13.87% | 6.7% | -59.07% |
| Net Income | 52.49M | 82.31M | 81.72M | 77.59M | 89.26M | 85.03M | 9.51M | 70.85M | 161.07M |
| Depreciation & Amortization | 10.2M | 11.32M | 11.72M | 11.68M | 11.57M | 11.56M | 11.73M | 10.47M | 8.32M |
| Deferred Taxes | 14.6M | 2.35M | 3.07M | -6.28M | 1.8M | 910K | -434K | -3.08M | 0 |
| Other Non-Cash Items | 8.39M | 8.25M | -835K | 27.16M | 4.8M | 3.25M | 63.29M | 13.43M | -164.41M |
| Working Capital Changes | -2.58M | -445K | 1.71M | -13.49M | 8.6M | -1.75M | 812K | -1.34M | 30.4M |
| Cash from Investing | -426.95M | -143.6M | 133.99M | -643.72M | -583.29M | -8.44M | -146.3M | -250.44M | -300.73M |
| Purchase of Investments | -214.06M | -193.96M | -340.74M | -904.91M | -1.36B | -183.14M | -391.49M | -55.91M | -812.58M |
| Sale/Maturity of Investments | 238.8M | 228.43M | 545.16M | 587.95M | 596.41M | 380.7M | 602.32M | 238.38M | 730.17M |
| Net Investment Activity | 24.74M | 34.48M | 204.42M | -316.96M | -759.39M | 197.56M | 210.84M | 182.47M | -82.41M |
| Acquisitions | 0 | 0 | -436K | 0 | 0 | 0 | 0 | 0 | 223.1M |
| Other Investing | -416.4M | -159.99M | -63.99M | -322.2M | 180.84M | -197.84M | -350.37M | -426.7M | -434.5M |
| Cash from Financing | 361.24M | 32.42M | -178.01M | 792.81M | 136.76M | -80.17M | 59M | 210.33M | 260.28M |
| Dividends Paid | -27.63M | -29.63M | -30.64M | -31.36M | -32.41M | -33.56M | -34.51M | -35.05M | -36.09M |
| Share Repurchases | 0 | -2.45M | -29.87M | -9.41M | -23.77M | -15.43M | -8.73M | 0 | -2.66M |
| Stock Issued | 2.87M | 0 | 0 | 1.82M | 2K | 0 | 0 | 170K | 86K |
| Net Stock Activity | 2.87M | -2.45M | -29.87M | -7.59M | -23.77M | -15.43M | -8.73M | 170K | -2.58M |
| Debt Issuance (Net) | 1000K | 1000K | -1000K | -1000K | -1000K | 1000K | 1000K | 1000K | -1000K |
| Other Financing | 220.22M | 60.17M | 300.47M | 1.22B | 351.08M | -187.96M | -203.28M | 57.06M | 466.22M |
| Net Change in Cash | 20.35M▲ 0% | -3.91M▼ 119.2% | 57.59M▲ 1571.5% | 250.48M▲ 334.9% | -325.36M▼ 229.9% | 14.73M▲ 104.5% | 1.71M▼ 88.4% | 54.86M▲ 3117.4% | -1.58M▼ 102.9% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 63.95M | 84.3M | 80.39M | 137.98M | 388.46M | 63.11M | 77.84M | 79.54M | 134.4M |
| Cash at End | 84.3M | 80.39M | 137.98M | 388.46M | 63.11M | 77.84M | 79.54M | 134.4M | 132.82M |
| Interest Paid | 26.39M | 40.66M | 51.55M | 30.34M | 16.92M | 21.05M | 86.26M | 135.51M | 0 |
| Income Taxes Paid | 31.01M | 16.95M | 16.73M | 22.89M | 28.63M | 23.9M | 10.38M | 14.83M | 0 |
| Free Cash Flow | 50.77M▲ 0% | 89.18M▲ 75.6% | 95.6M▲ 7.2% | 96.84M▲ 1.3% | 116.44M▲ 20.2% | 95.17M▼ 18.3% | 82.24M▼ 13.6% | 88.76M▲ 7.9% | 31.95M▼ 64.0% |
| FCF Growth % | -32.12% | 75.64% | 7.2% | 1.29% | 20.24% | -18.26% | -13.59% | 7.92% | -64% |
TMP Banking Ratios
Tompkins Financial Corporation (TMP) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 11.13% | 9.33% | 13.75% | 12.73% | 11.24% | 12.34% | 12.63% | 1.48% | 10.24% | 19.5% |
| Return on Assets (ROA) | 1% | 0.81% | 1.23% | 1.21% | 1.08% | 1.16% | 1.1% | 0.12% | 0.89% | 1.92% |
| Net Interest Margin | 2.9% | 3.03% | 3.13% | 3.13% | 2.96% | 2.86% | 3% | 2.68% | 2.6% | 2.88% |
| Efficiency Ratio | 58.02% | 57.32% | 54.16% | 53.54% | 55.72% | 58.98% | 58.88% | 65.62% | 45.31% | 36.31% |
| Equity / Assets | 8.81% | 8.67% | 9.19% | 9.86% | 9.42% | 9.32% | 8.05% | 8.57% | 8.8% | 10.83% |
| Book Value / Share | 36.78 | 38.23 | 41.03 | 44.28 | 48.68 | 49.76 | 42.86 | 46.84 | 50 | 65.46 |
| NII Growth | 7.28% | 11.44% | 5.21% | -0.55% | 6.98% | -0.69% | 2.9% | -9.02% | 0.76% | 18.3% |
| Dividend Payout | 44.83% | 52.63% | 36% | 37.49% | 40.42% | 36.31% | 39.47% | 363.09% | 49.47% | 22.41% |
TMP SEC Filings & Documents
Tompkins Financial Corporation (TMP) SEC filings — annual & quarterly reports (10-K, 10-Q)
TMP Frequently Asked Questions
Tompkins Financial Corporation (TMP) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Tompkins Financial Corporation (TMP) grew revenue by 34.1% over the past year. This is strong growth.
Yes, Tompkins Financial Corporation (TMP) is profitable, generating $161.1M in net income for fiscal year 2025 (27.8% net margin).
Dividend & Returns
Yes, Tompkins Financial Corporation (TMP) pays a dividend with a yield of 2.93%. This makes it attractive for income-focused investors.
Tompkins Financial Corporation (TMP) has a return on equity (ROE) of 19.5%. This is reasonable for most industries.
Industry Metrics
Tompkins Financial Corporation (TMP) has a net interest margin (NIM) of 2.9%. NIM has been under pressure due to interest rate environment.
Tompkins Financial Corporation (TMP) has an efficiency ratio of 36.3%. This is excellent, indicating strong cost control.
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Tompkins Financial Corporation (TMP) financial analysis — history, returns, DCA and operating performance tools
Total Return Calculator
Historical returns with dividends reinvested
DCA Calculator
Dollar cost averaging vs lump sum
Dividend History
Yield, growth, payout safety & DRIP
Earnings History
EPS trends, net income & profitability
Price History
Long-term charts & historical price data
Revenue History
Sales growth patterns & revenue breakdown
Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
DCF intrinsic value, peer multiples & estimates