Saturday 17 October 2026 Export TMP’s income statement to Excel — free account

Tompkins Financial Corporation

Tompkins Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $578.9 million, up 32.9% from fiscal 2024. In the quarter to June 2026, revenue grew 2.51%, EPS grew 36.4%, free cash flow fell 198.6% and total debt fell 18.8%, each against the same quarter a year earlier. Dividend growth for ten consecutive years; insiders bought in the last twelve months.

97.58 0.36 +0.37%

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Market cap: $1.4B
P/E: 7.9×
Fwd P/E: 11.6×
Dividend yield: 2.76%
F-score: 6/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.20

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	1	—	—	—	—	—	1	—	—	—	—	—
Sell	—	—	—	—	—	—	—	—	—	—	—	—

Insider Ownership 5.66%

Capital & Financial Ratios $m

Market Cap 1,400.00

Revenue 581.87

Net Income 175.30

Free Cash Flow 50.81

Net Debt 397.80

Current Ratio 0.95

Debt/Equity 0.57

P/E ratio 7.94

Fwd P/E 11.60

P/S ratio 2.39

P/B ratio 1.45

Past 5Y EPS Growth 16.67%

This Y EPS Growth (30.56%)

Next Y EPS Growth 4.55%

Next Y revenue growth (38.96%)

Next 5Y EPS Growth (7.83%)

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 5.82%

10-year low 10-year high

P/S against its own 10 years 24.47%

10-year low 10-year high

P/B against its own 10 years 36.09%

10-year low 10-year high

Dividends

Payout Ratio 0.22

Annual Dividend Rate 2.69

Annual Dividend Yield 2.76%

	total	individual payouts
2027	Powerpack
2026	2.75	0.67 0.67 0.70
2025	2.51	0.62 0.62 0.62 0.65
2024	2.44	0.60 0.61 0.61 0.62
2023	2.40	0.60 0.60 0.60 0.60
2022	2.31	0.57 0.57 0.57 0.60
2021	2.19	0.54 0.54 0.54 0.57
2020	2.10	0.52 0.52 0.52 0.54
2019	2.02	0.50 0.50 0.50 0.52
2018	1.94	0.48 0.48 0.48 0.50
2017	1.82	0.45 0.45 0.45 0.47
2016	1.77	0.44 0.44 0.44 0.45

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	80	135	134	149
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	5,814	6,275	6,717	6,841

	2023	2024	2025	Q'26
Payables	6,400	6,472	6,938	7,029
ST’ Debt	—	—	—	—
Other	—	—	—	—
	6,451	6,509	7,033	7,211

Compound Annual Growth %

	10y	5y	3y
Sales	8.31%	12.02%	20.69%
Cash Flow	(7.28%)	(17.45%)	(27.81%)
Earnings	10.67%	15.73%	23.73%
Book Value	6.15%	5.51%	14.98%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	115	119	—	—	—
’25	114	116	122	227	579
’24	105	107	113	111	436
’23	90	84	34	100	308
’22	79	80	84	86	329
’21	80	79	82	80	320
’20	82	81	83	82	328

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	73	(15)	—	—	—
’25	22	18	36	(37)	39
’24	23	27	21	23	95
’23	23	22	25	19	89
’22	24	28	31	21	103
’21	30	20	41	30	121
’20	24	19	18	40	101

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	71	(17)	—	—	—
’25	37	17	35	(39)	51
’24	22	26	19	22	89
’23	21	20	23	18	83
’22	24	23	29	19	95
’21	29	19	40	28	117
’20	23	18	17	38	97

Fiscal quarters ending in the months shown.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	1.82	2.04	—	—	—
’25	1.37	1.50	1.65	6.70	11.24
’24	1.18	1.10	1.30	1.37	4.97
’23	1.35	0.59	(2.35)	1.05	0.66
’22	1.60	1.45	1.48	1.36	5.89
’21	1.72	1.54	1.45	1.33	6.05
’20	0.53	1.44	1.63	1.61	5.20

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	50.54	71.27	69.02	71.54	53.32	66.83	68.50	46.85	43.09	54.16	Analyst estimates 2026–2028 Powerpack
	High	96.70	96.00	91.99	91.93	93.66	92.80	86.42	79.48	79.01	77.33
People
People	Employees	1,046	1,041	1,035	1,048	1,084	1,074	1,072	1,032	1,011	870
	Revenue/emp, $m	0.26	0.28	0.32	0.32	0.30	0.30	0.31	0.30	0.43	0.67
Income, $m
Income, $m	Revenue	272	296	329	337	328	320	329	308	436	579
	Gross margin, %	91.86	91.40	87.91	84.93	91.17	94.53	93.61	71.44	68.68	77.14
	EBT	87	95	104	103	98	115	110	12	93	225
	EBT margin, %	31.86	32.18	31.68	30.54	29.76	35.79	33.32	3.94	21.34	38.84
	Net income	59	52	82	82	78	89	85	10	71	161
	Depreciation	21	21	20	19	22	23	17	14	9	5
Per share, $
Per share, $	Revenue	18.33	19.80	21.88	22.59	22.32	21.98	22.98	21.58	30.64	40.62
	Earnings	3.94	3.46	5.39	5.39	5.22	6.08	5.92	0.66	4.98	11.30
	Cash flow	6.13	5.76	7.13	6.82	6.90	8.32	7.21	6.24	6.68	2.73
	Capex	(1.09)	(2.35)	(0.98)	(0.37)	(0.31)	(0.32)	(0.55)	(0.45)	(0.42)	0.85
	Free cash flow	5.04	3.41	6.15	6.44	6.59	8.00	6.66	5.79	6.26	3.58
	Book value	37.09	38.54	41.28	44.48	48.81	50.03	43.09	47.00	50.18	65.84
	Shares, m	15	15	15	15	15	15	14	14	14	14
Valuation, ×
Valuation, ×	P/E	24.36	23.52	13.92	16.98	13.55	13.75	13.04	91.20	13.62	6.42
	P/S	5.20	4.10	3.43	4.05	3.16	3.80	3.35	2.75	2.21	1.79
	P/B	2.57	2.11	1.82	2.06	1.45	1.67	1.79	1.26	1.35	1.10
	EV/Sales	8.06	7.43	6.45	5.59	2.78	3.99	4.00	4.44	3.72	2.53
	EV/FCF	29.30	43.19	22.95	19.62	9.43	10.96	13.81	16.55	18.19	28.69
Cash, $m
Cash, $m	Operating cash flow	91	86	107	102	101	121	103	89	95	39
	Capex	(16)	(35)	(15)	(6)	(5)	(5)	(8)	(6)	(6)	12
	Free cash flow	75	51	92	96	97	117	95	83	89	51
Balance, $m
Balance, $m	Working capital	(281)	(115)	(17)	(157)	(796)	(1,646)	(1,176)	(636)	(234)	(317)
	Total debt	885	1,072	1,076	658	265	124	291	602	790	564
	Net debt	778	987	995	520	(124)	60	213	522	655	431
	Shareholders’ equity	549	576	621	663	718	729	617	670	713	938
Returns, %
Returns, %	ROA	1.00	0.81	1.23	1.21	1.08	1.16	1.10	0.12	0.89	1.92
	ROIC	4.07	3.81	4.03	5.43	10.29	9.08	8.26	0.64	4.25	10.26
	ROE	11.13	9.33	13.75	12.73	11.24	12.34	12.63	1.48	10.24	19.50

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
TFIN Triumph Financial, Inc.	$1.5B	41.6×	40.6×	+13.51% (above 0%: growing)	+193.33% (above 0%: growing)	+372.54% (above 0%: growing)	82.38%	0.00%	Compare
ESQ Esquire Financial Holdings, Inc.	$1.4B	18.4×	28.7×	+18.87% (above 0%: growing)	+6.08% (above 0%: growing)	+59.96% (above 0%: growing)	88.35%	0.00%	Compare
LKFN Lakeland Financial Corporation	$1.4B	13.3×	13.8×	+1.75% (above 0%: growing)	+8.57% (above 0%: growing)	+36.16% (above 0%: growing)	65.79%	0.00%	Compare
AMAL Amalgamated Financial Corp.	$1.4B	12.4×	10.7×	+15.47% (above 0%: growing)	+36.47% (above 0%: growing)	−23.52% (below 0%: shrinking)	75.97%	0.00%	Compare
BHRB Burke & Herbert Financial Services Corp.	$1.4B	11.1×	8.4×	+20.93% (above 0%: growing)	−74.75% (below 0%: shrinking)	+49.60% (above 0%: growing)	70.87%	0.00%	Compare
WABC Westamerica Bancorporation	$1.4B	13.5×	12.7×	−2.49% (below 0%: shrinking)	+4.46% (above 0%: growing)	−33.14% (below 0%: shrinking)	94.98%	0.00%	Compare
TMP Tompkins Financial Corporation	$1.4B	7.9×	11.6×	+2.51% (above 0%: growing)	+36.42% (above 0%: growing)	−198.57% (below 0%: shrinking)	73.16%	0.00%
CTBI Community Trust Bancorp, Inc.	$1.4B	12.5×	11.1×	+6.97% (above 0%: growing)	+18.84% (above 0%: growing)	+217.37% (above 0%: growing)	72.12%	0.00%	Compare
PEBO Peoples Bancorp Inc.	$1.3B	11.0×	11.0×	−3.48% (below 0%: shrinking)	+31.67% (above 0%: growing)	+12.07% (above 0%: growing)	76.44%	0.00%	Compare
Median of peers	$1.4B	12.9×	11.9×	+10.24%	+13.71%	+42.88%	76.21%	0.00%

All 323 Banks Regional stocks →

Tompkins Financial Corporation (TMP) key facts

Strength: Tompkins Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $578.9 million, up 32.9% from fiscal 2024.
Strength: Net income was $161.1 million, or $11.30 per share (basic), a net margin of 27.8%.
Tompkins Financial Corporation (TMP) is a Banks Regional company in the Financial sector, listed on NYSE American.
As of October 16, 2026, TMP traded at $97.58, a market capitalization of $1.4 billion.
At that price the stock trades at 7.9× trailing-twelve-month earnings and 2.4× sales; its P/E is higher than 6% of its own readings over the past ten years.
Tompkins Financial Corporation pays an annual dividend of $2.69 per share, a yield of 2.76%, with a payout ratio of 22.0%.
Return on equity was 19.5% and debt-to-equity 0.57.
Its Piotroski F-score is 6 out of 9 for fiscal 2025.