Tompkins Financial

TMP · NYSE · Financials · Financials, fiscal 2016 to 2025

TMP · Last close · November 6, 2026

$99.44

Tompkins Financial's revenue rose 49.2% to $447 million in fiscal 2025. Net income was $161 million, up 127.3%. Its return on equity was 19.5%, up from 10.2% a year earlier. Its efficiency ratio was 47.1%, down from 66.7% a year earlier. It paid out $38 million in dividends and buybacks. The diluted share count rose 0.5%.

Tompkins Financial Corp Latest fiscal year ended December 31, 2025 10-K filed February 26, 2026 · 0001005817-26-000027 Updated November 5, 2026

Revenue

$447M

49.2%

Net income

$161M

127.3%

Return on equity

19.5%

9.2 pts

Return on tangible equity

21.7%

9.8 pts

Efficiency ratio

47.1%

19.6 pts

Market cap

$1.4B

Nov 6 close

P/E

7.9x

On $12.58 EPS, 4 qtrs

Return on equity is net income as a share of shareholders' equity; return on tangible equity leaves out goodwill and other intangible assets. The efficiency ratio is operating costs as a share of revenue, so lower means the bank spends less to earn each dollar. Market cap is the last closing share price times the latest diluted share count, so it is approximate. P/E is the last close divided by diluted earnings per share over the last four quarters, or the latest fiscal year where the quarters aren't available; there is none when the company made a loss.

Charts show fiscal years, from the 10-K filings.

Income statement

Revenue and net income

US$ billions, fiscal years; net losses in red. Revenue on the left axis, net income on the right; zero is the same line on both. Revenue is net of interest expense.

Revenue (left axis)Net income (right axis)

Efficiency ratio and net interest income

Percent of revenue. The efficiency ratio is noninterest expense over revenue.

Efficiency ratioNet interest income share

From fiscal 2016 to 2025, earnings per share grew 12.4% a year and net income 11.7% a year, as buybacks cut the share count by 4%.

Diluted earnings per share

US$ per share, fiscal years, restated for any stock splits; loss years in red.

Return on equity

Percent. Net income over average equity; tangible equity excludes goodwill, intangibles and preferred stock.

Return on equityReturn on tangible common equity

Balance sheet

Loans and deposits

US$ billions, at each fiscal year end

Loans, netDeposits

Total assets and shareholders' equity

US$ billions, at each fiscal year end. Assets on the left axis, equity on the right.

Total assets (left axis)Equity (right axis)

Five years at a glance

Fiscal year end	FY21	FY22	FY23	FY24	FY25
Loans, net	5,033	5,223	5,554	5,963	6,389
Deposits	6,791	6,602	6,400	6,472	6,938
Loans to deposits	74.1%	79.1%	86.8%	92.1%	92.1%
Provision for credit losses	−2	3	4	7	12
Provision to average loans	−0.0%	0.1%	0.1%	0.1%	0.2%
Total assets	7,820	7,671	7,820	8,109	8,668
Shareholders' equity	728	616	668	713	938

US$ millions unless stated, at each fiscal year end.

Cash flow

Stock-based compensation and buybacks

US$ billions, fiscal years. Shares paid to employees (stock-based compensation, a cost that uses no cash) against cash spent buying shares back. Buybacks that only match it leave the share count roughly where it was.

Stock-based compensationShare buybacks

Dividends and buybacks

US$ billions, cash paid in each fiscal year

DividendsShare buybacks

Diluted share count

Weighted-average diluted shares, millions

Projections

Project Tompkins Financial's revenue, net income and earnings per share five years ahead in a bull, a base and a bear case with your own figures, and see the share prices your P/E estimates give them. Every projected figure is yours: it is not a forecast of ours.

Open Tompkins Financial's projections

Insider trades

Over the 12 months between November 7, 2025 and November 6, 2026, 1 insider bought $199,994 of Tompkins Financial shares on the open market, and none sold any.

Buys and sells by month

US$ millions, open-market purchases (up) and sales (down) by officers, directors and 10% owners in each month.

BoughtSold

Date	Insider	Trade	Shares	Price	Value	Filing
May 26, 2026	Ita M RahillyDirector	Bought	1,164	$85.90	$100,000	Form 4
Nov 21, 2025	Ita M RahillyDirector	Bought	1,463	$68.36	$99,994	Form 4

Open-market purchases and sales by officers, directors and 10% owners, from their Form 4 filings with the SEC: one row per person, day and filing, at the day's average price. Grants, option exercises and shares withheld for tax aren't counted. Insiders buy and sell for many reasons, such as taxes, spreading their savings or a plan set up months earlier, so a trade on its own says little about where a company is heading. For information only, not investment advice. Insider trades at all companies

Compare

Put Tompkins Financial side by side with any other company we cover: revenue, growth, margins, cash flow and returns, with ten years of charts.

Similar companies

Company	Year	Revenue growth	Net margin	Return on equity	Return on tangible equity	Efficiency ratio	Compare
Tompkins Financial	FY25	49.2%	36.1%	19.5%	21.7%	47.1%
Dime Community Bancshares	FY25	44.2%	24.4%	7.7%	8.7%	55.9%	Compare
Triumph Bancorp	FY25	5.6%	5.8%	2.8%	4.1%	91.8%	Compare
S&T Bancorp	FY25	4.8%	33.4%	9.4%	12.8%	56.4%	Compare
Hope Bancorp	FY25	5.0%	12.3%	2.8%	3.6%	78.1%	Compare

Each company's latest fiscal year. Fiscal years end in different months, so the periods don't line up exactly.

10 years of figures

Fiscal year	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Income statement
Revenue	249	270	289	286	299	303	308	220	299	447
Revenue growth	3.8%	8.4%	6.9%	−1.1%	4.6%	1.1%	1.9%	−28.7%	36.2%	49.2%
Net interest income	181	201	212	211	225	224	230	210	211	250
Noninterest income	69	69	77	75	74	79	78	10	88	197
Noninterest expense	159	171	181	182	184	190	196	203	200	210
Provision for credit losses	—	—	4	1	17	−2	3	4	7	12
Net income	59	52	82	82	78	89	85	10	71	161
Diluted EPS (US$)	3.91	3.43	5.35	5.37	5.20	6.05	5.89	0.66	4.97	11.24
Diluted shares (millions)	15	15	15	15	15	15	14	14	14	14
Payouts
Dividends paid	27	28	30	31	31	32	34	34	35	36
Share buybacks	1	0	2	30	9	24	15	9	0	2
Balance sheet at fiscal year end
Loans, net	4,258	4,669	4,834	4,878	5,209	5,033	5,223	5,554	5,963	6,389
Deposits	4,625	4,838	4,889	5,213	6,438	6,791	6,602	6,400	6,472	6,938
Total assets	6,237	6,648	6,758	6,726	7,622	7,820	7,671	7,820	8,109	8,668
Shareholders' equity	548	575	620	662	716	728	616	668	713	938
Ratios
Return on equity	11.2%	9.3%	13.8%	12.8%	11.3%	12.4%	12.7%	1.5%	10.2%	19.5%
Return on tangible common equity	13.7%	11.3%	16.3%	14.9%	13.0%	14.2%	14.7%	1.7%	11.9%	21.7%
Return on assets	1.0%	0.8%	1.2%	1.2%	1.1%	1.2%	1.1%	0.1%	0.9%	1.9%
Efficiency ratio	63.6%	63.2%	62.6%	63.6%	61.6%	62.9%	63.5%	92.5%	66.7%	47.1%

US$ millions unless stated. Where a later 10-K restated a year, the latest filed figure is shown. Download all figures (CSV, US$ millions)

Source: Tompkins Financial's Form 10-K filings, from SEC EDGAR. For information only, not investment advice. The Filing Desk is not affiliated with Tompkins Financial.