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
Market Cap
$1.12B
P/E (TTM)
6.9
14.7
Dividend Yield
3.3%
52W High
$86.95
52W Low
$54.16
52W Range
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
Q4 2025 Data
Revenue
$226.67M+106.25%
4-Quarter Trend
EPS
$6.74+388.41%
4-Quarter Trend
FCF
-$40.58M+0.00%
4-Quarter Trend
2025 Annual Earnings Highlights
Key Highlights
NII Growth and NIM Expansion Net Interest Income increased 18.3% to $249.7M; NIM expanded 38 basis points to 3.17% driven by higher asset yields and improved funding mix.
Balance Sheet Expansion Total loans grew 7.1% to $6.45B, supported by 7.2% deposit growth to $6.94B, maintaining strong liquidity position.
Asset Quality Improvement Asset quality improved significantly; NPL ratio decreased to 0.56% from 0.80% year-over-year, reflecting better portfolio performance.
Strong Capital Position Capital remains robust; Consolidated CET1 ratio stands at 13.6% as of December 31, 2025, well above minimum regulatory requirements.
Risk Factors
CRE Loan Concentration Risk Significant concentration in CRE and Commercial loans (73.9% of total loans), dependent on borrower cash flows and collateral valuations.
Interest Rate Sensitivity Exposure Simulation indicates liability sensitive position in short-term rising rate scenarios, potentially compressing near-term net interest income.
Cybersecurity and Operational Threats High exposure to operational risks, including fraud and cyber-attacks, requiring substantial ongoing resource investment for protection.
Upcoming Regulatory Scrutiny Approaching $10B asset threshold triggers enhanced supervisory requirements and increased compliance costs for the holding company.
Outlook
Strategy Focus on Sustainable Growth Strategy centers on responsible, sustainable growth via organic expansion and potential complementary financial institution acquisitions.
Digital Service Delivery Focus Focus on digital service delivery initiatives, investing in automation and analytics to drive ongoing consistency and operational efficiency.
Insurance Segment Divestiture Impact Q4 2025 sale of insurance subsidiary generated significant pre-tax gain; future revenue mix shifts toward Banking and Wealth Management.
Talent Development Initiatives Commitment to talent development through coaching, career roadmaps, and promoting an inclusive culture to sustain growth.
Peer Comparison
Revenue (TTM)
$2.00B
$1.36B
$660.40M
Gross Margin (Latest Quarter)
85.5%
83.2%
73.0%
Key Metrics
Symbol | Market Cap | P/E (TTM) | ROE (TTM) | Debt to Assets |
|---|---|---|---|---|
| TCBI | $4.36B | 13.0 | 9.3% | 3.0% |
| MBIN | $1.98B | 9.0 | 9.9% | 19.8% |
| PEBO | $1.17B | 10.8 | 9.1% | 7.6% |
Long-Term Trends
Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
25.6%
Strong Growth
4Q Net Income CAGR
69.7%
Profitability Improved
Cash Flow Stability
75%
Volatile Cash Flow
Deep Research
Next earnings:Apr 23, 2026
EPS:-
|Revenue:-
Financials
Earnings Calls
Reports
News
Income Statement
Balance Sheet
Cash Flow Statement
Ratios
% Chg.
Income Statement | LTM |
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No Data