The bank maintains a fortress-like capital position, evidenced by an equity-to-assets ratio that has remained stable between 0.09 and 0.11 over the last ten quarters.
| Metric | TTM | Dec'25 | Dec'24 | Dec'23 | Dec'22 | Dec'21 | Dec'20 | Dec'19 | Dec'18 | Dec'17 | Dec'16 | Dec'15 | Dec'14 | Dec'13 | Dec'12 | Dec'11 | Dec'10 | Dec'09 | Dec'08 | Dec'07 | Dec'06 | Dec'05 | Dec'04 | Dec'03 | Dec'02 | Dec'01 | Dec'00 | Dec'99 | Dec'98 | Dec'97 | Dec'96 |
|---|
| Cash & Short Term Investments | 3.28B | 1.11B | 1.37B | 1.5B | 1.67B | 2.11B | 2.02B | 1.44B | 73.79M | 1.48B | 1.49B | 1.44B | 1.46B | 71.08M | 1.51B | 1.19B | 1.09B | 972.46M | 812.33M | 49.86M | 49.97M | 63.3M | 40.93M | 65.76M | 63.9M | 43.97M | 45.94M | 35.94M | 26.8M | 25.1M | 25.3M |
| Cash & Due from Banks | 68.67M | 132.82M | 134.4M | 79.54M | 77.84M | 63.11M | 388.46M | 137.98M | 73.79M | 77.69M | 63.95M | 58.26M | 56.07M | 71.08M | 117.45M | 47.3M | 47.34M | 43.69M | 48.13M | 49.86M | 49.97M | 63.3M | 40.93M | 65.76M | 63.9M | 43.97M | 45.94M | 35.94M | 27.82M | 25.1M | 25.3M |
| Short Term Investments | 0 | 975.24M | 1.23B | 1.42B | 1.59B | 2.04B | 1.63B | 1.3B | 0 | 1.39B | 1.43B | 1.39B | 1.4B | 0 | 1.39B | 1.14B | 1.04B | 928.77M | 764.19M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1.02M | 0 | 0 |
| Total Investments | 8.25B | 8.12B | 2.78B | 7.27B | 7.12B | 7.35B | 6.82B | 6.16B | 1.47B | 2.92B | 3B | 2.92B | 2.9B | 1.38B | 2.83B | 2.33B | 1.12B | 965.66M | 809.91M | 748.88M | 714.36M | 658.9M | 660.32M | 641.66M | 532.5M | 413.21M | 330.22M | 325.17M | 216.8M | 213.6M | 205.7M |
| Investments Growth % | 211.62% | 192.37% | -61.81% | 2.16% | -3.17% | 7.7% | 10.76% | 317.86% | -49.58% | -2.58% | 2.61% | 0.8% | 109.54% | -51.02% | 21.16% | 108.82% | 15.72% | 19.23% | 8.15% | 4.83% | 8.42% | -0.22% | 2.91% | 20.5% | 28.87% | 25.13% | 1.55% | 49.99% | 1.5% | 3.84% | 11.79% |
| Long-Term Investments | 29.21B | 7.14B | 1.54B | 5.85B | 5.52B | 5.3B | 5.2B | 4.86B | 1.47B | 1.53B | 1.57B | 1.54B | 1.5B | 1.38B | 1.43B | 1.19B | 1.12B | 36.89M | 45.72M | 748.88M | 714.36M | 658.9M | 660.32M | 641.66M | 532.5M | 413.21M | 330.22M | 325.17M | 216.8M | 213.6M | 205.7M |
| Accounts Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 82.09M | 80.56M | 83.84M | 82.09M | 86.22M | 105.52M | 100.04M | 51.79M | 56.77M | 62.92M | 31.67M | 34.19M | 38.15M | 45.95M | 37.32M | 33.4M | 27.16M | 24.67M | 21.07M | 21.88M | 13.98M | 9.2M | 7.8M |
| Goodwill & Intangibles | 72.74M | 74.42M | 94.81M | 94.93M | 95.31M | 96.09M | 97.35M | 98.67M | 99.91M | 101.55M | 103.97M | 104.24M | 106.89M | 108.44M | 110.95M | 47.99M | 45.86M | 46.45M | 46.78M | 26.39M | 25.29M | 14.45M | 15.06M | 33.4M | 27.16M | 24.67M | 21.07M | 21.88M | 13.98M | 0 | 0 |
| Goodwill | 72.74M | 72.74M | 92.6M | 92.6M | 92.6M | 92.45M | 92.45M | 92.45M | 92.28M | 92.29M | 92.62M | 91.79M | 92.24M | 92.14M | 92.31M | 43.9M | 41.65M | 41.59M | 41.48M | 22.89M | 21.23M | 12.29M | 12.28M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 1.69M | 2.2M | 2.33M | 2.71M | 3.64M | 4.91M | 6.22M | 7.63M | 9.26M | 11.35M | 12.45M | 14.65M | 16.3M | 18.64M | 4.1M | 4.21M | 4.86M | 5.3M | 3.5M | 4.05M | 2.16M | 2.78M | 33.4M | 27.16M | 24.67M | 21.07M | 21.88M | 13.98M | 0 | 0 |
| PP&E (Net) | 71M | 72.42M | 76.63M | 79.69M | 82.14M | 85.42M | 88.71M | 94.36M | 97.2M | 87M | 70.02M | 60.33M | 59.8M | 55.93M | 54.58M | 44.71M | 46.1M | 46.65M | 46.61M | 44.81M | 43.27M | 36.94M | 33.12M | 28.47M | 27.11M | 25.03M | 23.86M | 21.15M | 7.4M | 6.8M | 6.9M |
| Other Assets | 231.25M | 271.55M | -1.54B | 281.4M | 284.33M | 213.32M | 210.87M | 217.46M | 3.67B | 3.45B | 3B | 2.54B | 2.13B | 2.02B | -1.6B | -1.23B | -1.16B | -83.54M | -118.48M | -820.08M | -782.92M | -710.28M | -708.5M | -626.8M | -518.4M | 14.07M | 9.86M | 6.27M | -224.2M | -220.4M | -212.6M |
| Total Current Assets | 68.67M | 1.11B | 1.29B | 1.51B | 1.69B | 2.12B | 2.03B | 1.45B | 78.52M | 77.69M | 62.07M | 56.26M | 53.92M | 82.16M | 117.45M | 47.3M | 47.34M | 1.04B | 844M | 2.29B | 2.14B | 2.06B | 1.92B | 1.82B | 1.63B | 1.38B | 1.27B | 1.16B | 40.78M | 34.3M | 33.1M |
| Total Non-Current Assets | 8.63B | 7.56B | 171.43M | 6.31B | 5.98B | 5.7B | 5.59B | 5.27B | 5.35B | 5.17B | 4.74B | 4.25B | 3.79B | 3.57B | 1.6B | 47.99M | 45.86M | 46.45M | 20.63M | 2.96B | 2.83B | 2.65B | 2.55B | 43.33M | 41.22M | 39.11M | 33.72M | 27.42M | 224.2M | 220.4M | 212.6M |
| Total Assets | 8.7B | 8.67B | 8.11B | 7.82B | 7.67B | 7.82B | 7.62B | 6.73B | 6.76B | 6.65B | 6.24B | 5.69B | 5.27B | 5B | 4.84B | 3.4B | 3.26B | 3.15B | 2.87B | 2.36B | 2.21B | 2.11B | 1.97B | 1.86B | 1.67B | 1.42B | 1.3B | 1.19B | 954.71M | 626.9M | 591.3M |
| Asset Growth % | 25.13% | 6.9% | 3.7% | 1.94% | -1.91% | 2.6% | 13.33% | -0.49% | 1.66% | 6.6% | 9.61% | 7.98% | 5.33% | 3.43% | 42.26% | 4.29% | 3.4% | 9.96% | 21.54% | 6.72% | 4.93% | 6.93% | 5.68% | 11.63% | 17.56% | 8.87% | 9.78% | 24.51% | 52.29% | 6.02% | 10.11% |
| Return on Assets (ROA) | 1.96% | 1.92% | 0.89% | 0.12% | 1.1% | 1.16% | 1.08% | 1.21% | 1.23% | 0.81% | 1% | 1.07% | 1.01% | 1.03% | 0.76% | 1.06% | 1.05% | 1.06% | 1.14% | 1.15% | 1.29% | 1.36% | 1.34% | 1.37% | 1.48% | 1.44% | 1.4% | 1.42% | 1.83% | 2.13% | 1.63% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 567.58M | 660.01M | 790.25M | 653.1M | 347.58M | 190.79M | 344.06M | 735.48M | 1.09B | 1.09B | 922.5M | 573.79M | 393.88M | 368.7M | 155.52M | 211.14M | 244.19M | 208.97M | 274.79M | 210.86M | 85.94M | 63.67M | 63.3M | 87.11M | 81.93M | 75.58M | 67.26M | 42.01M | 48.97M | 27M | 15M |
| Net Debt | 498.91M | 527.2M | 655.85M | 573.55M | 269.74M | 127.68M | -44.4M | 597.5M | 1.01B | 1B | 858.54M | 515.54M | 337.81M | 285.82M | 36.59M | 161.57M | 194.63M | 163.6M | 222.54M | 161M | 35.97M | 376K | 22.37M | 21.36M | 18.03M | 31.61M | 21.32M | 6.07M | 21.16M | 1.9M | -10.3M |
| Long-Term Debt | 449.45M | 169.45M | 543.25M | 125M | 50M | 110M | 278.22M | 436.04M | 527.71M | 500.69M | 922.5M | 573.79M | 393.88M | 368.7M | 155.52M | 211.14M | 244.19M | 208.97M | 274.79M | 210.86M | 85.94M | 63.42M | 63.3M | 87.11M | 81.93M | 75.58M | 67.26M | 42.01M | 48.97M | 27M | 15M |
| Short-Term Debt | 118.13M | 490.57M | 247M | 528.1M | 297.58M | 80.79M | 65.84M | 299.45M | 0 | 587.74M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | 7.18B | 132.11M | 96.55M | 96.87M | 103.42M | 108.82M | 122.67M | 114.17M | 5.61B | 5.57B | 4.76B | 4.6B | 4.38B | 2.9B | 3.18B | -40K | 25.11M | 25.04M | -250.69M | 618.82M | 702.14M | 659.47M | 475.88M | -87.11M | -81.93M | -75.58M | -67.26M | -42.01M | -48.97M | -27M | -15M |
| Total Current Liabilities | 118.13M | 7.43B | 6.76B | 6.93B | 6.9B | 6.87B | 6.5B | 5.51B | 1.5M | 2.67B | 4.77B | 4.6B | 4.39B | 0 | 0 | 0 | 0 | 2.68B | 2.63B | 1.1B | 1.04B | 1.05B | 1.1B | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Non-Current Liabilities | 7.63B | 301.56M | 639.79M | 221.87M | 153.42M | 218.82M | 400.88M | 550.2M | 6.14B | 6.07B | 5.69B | 5.17B | 4.78B | 3.27B | 3.34B | 211.1M | 269.3M | 234M | 24.1M | 829.68M | 788.08M | 722.89M | 539.18M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Liabilities | 7.75B | 7.73B | 7.4B | 7.15B | 7.05B | 7.09B | 6.9B | 6.06B | 6.14B | 6.07B | 5.69B | 5.17B | 4.78B | 4.55B | 4.4B | 3.1B | 2.99B | 2.91B | 2.65B | 2.16B | 2.02B | 1.92B | 1.8B | 1.7B | 1.52B | 1.29B | 1.19B | 1.09B | 855.68M | 570M | 538.7M |
| Total Equity | 946.74M | 938.38M | 713.44M | 669.93M | 617.39M | 728.94M | 717.69M | 663.05M | 620.87M | 576.2M | 549.4M | 516.47M | 489.58M | 457.94M | 441.36M | 299.14M | 273.41M | 245.01M | 219.36M | 198.65M | 191.07M | 182.67M | 172.47M | 160.46M | 152.09M | 132.56M | 116.48M | 102.82M | 97.65M | 56.9M | 52.6M |
| Equity Growth % | 81.26% | 31.53% | 6.49% | 8.51% | -15.3% | 1.57% | 8.24% | 6.79% | 7.75% | 4.88% | 6.38% | 5.49% | 6.91% | 3.76% | 47.54% | 9.41% | 11.59% | 11.69% | 10.43% | 3.96% | 4.6% | 5.92% | 7.48% | 5.51% | 14.73% | 13.8% | 13.29% | 5.29% | 71.62% | 8.17% | -4.54% |
| Equity / Assets (Capital Ratio) | 10.89% | 10.83% | 8.8% | 8.57% | 8.05% | 9.32% | 9.42% | 9.86% | 9.19% | 8.67% | 8.81% | 9.08% | 9.29% | 9.15% | 9.12% | 8.8% | 8.39% | 7.77% | 7.65% | 8.42% | 8.64% | 8.67% | 8.75% | 8.61% | 9.11% | 9.33% | 8.93% | 8.65% | 10.23% | 9.08% | 8.9% |
| Return on Equity (ROE) | 19.5% | 19.5% | 10.24% | 1.48% | 12.63% | 12.34% | 11.24% | 12.73% | 13.75% | 9.33% | 11.13% | 11.61% | 10.98% | 11.31% | 8.45% | 12.37% | 13.05% | 13.71% | 14.27% | 13.53% | 14.86% | 15.59% | 15.39% | 15.49% | 16.1% | 15.76% | 15.97% | 15.16% | 18.77% | 23.73% | 17.08% |
| Book Value per Share | 66.09 | 65.46 | 50.00 | 46.84 | 42.86 | 49.76 | 48.68 | 44.28 | 41.03 | 38.23 | 36.78 | 34.75 | 33.10 | 31.42 | 34.38 | 27.11 | 25.17 | 20.71 | 20.46 | 18.46 | 17.39 | 15.11 | 14.21 | 14.54 | 13.74 | 12.09 | 11.13 | 9.79 | 13.71 | 8.02 | 7.18 |
| Tangible BV per Share | 61.01 | 60.27 | 43.36 | 40.21 | 36.24 | 43.20 | 42.08 | 37.69 | 34.43 | 31.49 | 29.82 | 27.73 | 25.88 | 23.98 | 25.74 | 22.76 | 20.94 | 16.79 | 16.10 | 16.01 | 15.09 | 13.91 | 12.97 | 11.52 | 11.28 | 9.84 | 9.12 | 7.71 | 11.75 | 8.02 | 7.18 |
| Common Stock | 1.44M | 1.45M | 1.45M | 1.44M | 1.46M | 1.47M | 1.5M | 1.5M | 1.53M | 1.53M | 1.52M | 1.5M | 1.49M | 1.48M | 1.44M | 1.12M | 1.09M | 978K | 973K | 962K | 989K | 900K | 816K | 819K | 747K | 744K | 734K | 710K | 0 | 0 | 0 |
| Additional Paid-in Capital | 297.18M | 299.21M | 300.07M | 297.18M | 302.76M | 312.54M | 333.98M | 338.51M | 366.6M | 364.03M | 357.41M | 350.82M | 348.89M | 346.1M | 334.65M | 206.4M | 198.11M | 155.59M | 152.84M | 147.66M | 158.2M | 118.66M | 75.84M | 76.93M | 46M | 45.46M | 44.18M | 40.55M | 43.77M | 0 | 0 |
| Retained Earnings | 678.58M | 662.16M | 537.16M | 501.51M | 526.73M | 475.26M | 418.41M | 370.48M | 319.4M | 265.01M | 230.18M | 197.44M | 165.16M | 137.1M | 108.71M | 96.44M | 76.45M | 92.4M | 73.78M | 57.26M | 44.43M | 69.23M | 94.52M | 78.68M | 96.72M | 82.39M | 70.89M | 61.08M | 33.4M | 26.8M | 20.9M |
| Accumulated OCI | -26.1M | -19.05M | -118.49M | -125M | -208.69M | -55.95M | -32.07M | -43.56M | -63.16M | -51.3M | -37.11M | -31M | -24.01M | -25.12M | -2.11M | -3.68M | -1.26M | -3.09M | -7.6M | -6.9M | -12.49M | -6.31M | 871K | 3.02M | 7.6M | 2.95M | -342K | -5.19M | 1.1M | 1.1M | 100K |
| Treasury Stock | -4.36M | -5.38M | -6.74M | -6.61M | -6.28M | -5.79M | -5.53M | -5.28M | -4.9M | -4.49M | -4.05M | -3.75M | -3.4M | -3.07M | -2.79M | -2.59M | -2.44M | -2.33M | -2.08M | -1.78M | -1.51M | -1.26M | -1.04M | -466K | -466K | -466K | -473K | -525K | -548K | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Regional economic concentration
As reported in financial statements, Tompkins Financial Corporation grew total assets from $7.8 billion in 2023Q4 to $8.7 billion by 2026Q1, a trend primarily driven by the expansion of the investment securities portfolio rather than aggressive, high-risk loan book growth in the current regional environment.
The consistent growth in total assets suggests a management team focused on balance sheet scale while maintaining a conservative risk posture. Investors should monitor whether this reliance on securities continues to provide sufficient yield as the bank navigates the interest rate cycle.
Based on the reported figures, the equity-to-assets ratio has remained remarkably stable at approximately 0.09 to 0.11 over the last ten quarters, indicating that Tompkins Financial maintains a fortress-like capital position that provides a significant buffer against potential regional economic volatility or unexpected credit losses.
This consistent capital ratio suggests that management prioritizes balance sheet integrity over aggressive leverage. Such a conservative stance may limit short-term return on equity but likely enhances the bank's resilience during periods of market stress.
According to recent quarterly filings, the bank's cash and cash equivalents fluctuated between $57.1 million and $212.6 million, which, when combined with a substantial $8.3 billion investment securities portfolio as of 2026Q1, suggests a highly liquid balance sheet capable of meeting potential deposit outflows.
The high proportion of investment securities relative to total assets implies that the bank maintains significant contingent liquidity. This structure appears to mitigate the risks associated with a potential deposit run, though it leaves the bank sensitive to the market valuation of its securities portfolio.
As indicated by the quarterly data, the net interest margin has shown a modest upward trend from 0.7% in 2023Q4 to 0.8% in 2026Q1, suggesting that the bank's interest-earning assets are beginning to reprice more favorably in the current interest rate environment.
While the NIM expansion appears positive, the bank's heavy reliance on securities suggests that future margin performance will be highly dependent on the duration and yield of the investment portfolio. Investors should monitor how management balances this interest rate sensitivity with the stability of their fee-based income streams.
Quick answers to the most common questions about buying TMP stock.
As of 2025, Tompkins Financial Corporation (TMP) had total assets of $8.67B including $1.11B in current assets.
Tompkins Financial Corporation (TMP) carries total debt of $660.0M. Comparing total debt to cash helps evaluate the company's debt burden and net leverage.
Tompkins Financial Corporation (TMP) has total shareholders' equity (book value) of $938.4M ($65.46 book value per share). Book value represents the net worth of the company belonging to common stock holders.
Tompkins Financial Corporation (TMP) reported a current ratio of 0.15x. A current ratio above 1.0x indicates that the company has more current assets than current liabilities, suggesting sufficient short-term liquidity.