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Tompkins Financial Corporation

Tompkins Financial Corporation

AMEX•TMP
CEO: Mr. Stephen S. Romaine
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 1986-06-02
Tompkins 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 through three segments: Banking, Insurance, and Wealth Management. It accepts various deposit products, including checking and 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 direct and indirect personal installment loans, automobile financing, and overdraft lines of credit. In addition, it provides letters of credit and sweep accounts; credit and debit cards; deposit and cash management, internet-based account, remote deposit, safe deposit, voice response, ATM, and mobile and internet banking services; financial and tax planning services; property and casualty, life, and long-term care and disability insurance services; employee benefit consulting services; and insurance planning services. The company primarily serves individuals, corporate executives, small business owners, and high net worth individuals. It operates through a network of banking offices in New York and Pennsylvania. Tompkins Financial Corporation was founded in 1836 and is headquartered in Ithaca, New York.
Contact Information
118 East Seneca Street, P.O. Box 460, Ithaca, NY, 14851, United States
888-503-5753
www.tompkinsfinancial.com
Market Cap
$1.10B
P/E (TTM)
12.9
16.3
Dividend Yield
3.3%
52W High
$77.33
52W Low
$54.16
52W Range
95%
Rank42Top 47.5%
3.9
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Weak • 3.9 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025

Financial Dashboard

Q3 2025 Data

Revenue

$121.62M+9.07%
4-Quarter Trend

EPS

$1.66+26.72%
4-Quarter Trend

FCF

$33.90M+16.61%
4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

Net Income Growth Strong Q3 2025 Net Income reached $23.7M, up significantly from $18.6M in Q3 2024, driven by margin expansion and loan growth.
Net Interest Margin Expansion Q3 NIM improved to 3.20% (vs 2.79% prior year), reflecting higher average loan yields and reduced funding costs due to improved funding mix.
Loan Portfolio Growth Total net loans reached $6.23B as of September 30, 2025, marking a 4.5% increase from year-end 2024, supported by commercial real estate growth.
Strong Capital Position Tier 1 Common Equity ratio stood at 12.30% as of September 30, 2025, comfortably exceeding regulatory minimums and well-capitalized requirements.

Risk Factors

Increased Credit Loss Provision Nine-month provision expense doubled to $10.6M, primarily due to a significant $4.7M partial charge-off related to one commercial real estate relationship.
Interest Rate Risk Exposure Static Gap analysis shows a negative net gap of $107.4M (1.27% of assets) in the 0-3 month bucket, indicating higher risk in a rising rate environment.
CRE Loan Quality Concerns Nonaccrual CRE loans totaled $31.1M, though management noted specific downgrades were covered by existing collateral value sufficiency.
Reliance on Wholesale Funding Other borrowings decreased 43.7% to $444.9M, but non-core funding sources remain significant, representing 25.5% of total liabilities.

Outlook

Asset Quality Monitoring Management continues close monitoring of 13 potential problem Substandard relationships totaling $22.6M, though current risk exposure does not warrant nonaccrual classification.
NIM Sensitivity Forecast Simulation suggests net interest income will trend higher over the next 12 to 18 months under the base case scenario of stable interest rates.
Deposit Growth Focus Core deposits increased 6.8% to $5.6B, driven by municipal inflows; management relies on stable core base supplemented by wholesale funding sources.
Regulatory Adaptation Company is evaluating potential impact of pending ASU 2023-09 regarding income tax disclosures, while continuing to meet Basel III capital requirements.

Peer Comparison

Revenue (TTM)

Texas Capital Bancshares, Inc.TCBI
$1.96B
+14.3%
Merchants BancorpMBIN
$1.39B
-1.8%
OceanFirst Financial Corp.OCFC
$673.23M
-2.2%

Gross Margin (Latest Quarter)

Tompkins Financial CorporationTMP
69.8%
+4.0pp
Burke & Herbert Financial Services Corp.BHRB
69.0%
+4.7pp
Old Second Bancorp, Inc.OSBC
64.5%
-14.9pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
TCBI$4.47B15.68.3%2.8%
MBIN$1.62B6.611.2%15.0%
PEBO$1.11B10.78.9%7.4%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
4.1%
Moderate Growth
4Q Net Income CAGR
6.4%
Profitability Improving
Cash Flow Stability
100%
Strong Cash Flow

Research & Insights

Next earnings:Jan 30, 2026
|
EPS:$1.77
|
Revenue:$84.20M
Reports
All Years
  • Form 10-Q/A - Q3 2025

    Period End: Sep 30, 2025|Filed: Nov 18, 2025|
    Revenue: $121.62M+9.1%
    |
    EPS: $1.66+26.7%
    Meet
  • Form 10-Q/A - Q2 2025

    Period End: Jun 30, 2025|Filed: Nov 18, 2025|
    Revenue: $116.16M+8.5%
    |
    EPS: $1.51+37.3%
    Beat
  • Form 10-Q/A - Q4 2025

    Period End: Mar 31, 2025|Filed: Nov 18, 2025|Refer to amended data
  • Form 10-Q - Q3 2025

    Period End: Sep 30, 2025|Filed: Oct 28, 2025|Refer to amended data
  • Form 10-Q - Q2 2025

    Period End: Jun 30, 2025|Filed: Aug 5, 2025|Refer to amended data
  • Form 10-Q - Q1 2025

    Period End: Mar 31, 2025|Filed: May 6, 2025|
    Revenue: $114.49M+8.7%
    |
    EPS: $1.38+16.0%
    Beat
  • Form 10-K - FY 2024

    Period End: Dec 31, 2024|Filed: Feb 28, 2025|
    Revenue: $431.65M+42.3%
    |
    EPS: $4.98+654.5%
    Beat
  • Form 10-Q - Q3 2024

    Period End: Sep 30, 2024|Filed: Nov 6, 2024|
    Revenue: $111.51M+1253.4%
    |
    EPS: $1.31-155.7%
    Beat