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Tompkins Financial Corporation (TMP)

NYSE: TMP · State Commercial Banks · Ithaca, NY · filing with the SEC since 1996
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Grade6.2
◀ Past 6.5● Present 6.2▶ Future 5.8
OverviewBusinessFinancialsGradeForecastSentimentOwnershipPeopleFilingsPatents Chart

The company now

Tompkins Financial Corporation is a lending business classed by the SEC under State Commercial Banks (industry code 6022). It is based in Ithaca, NY. The company tags no split of its revenue by line of business in the annual report on file. 41

From the record in brief, written by the desk, an AI model, from the company's record on Oct 23, 2026. Nothing here is advice.

Where the revenue comes from

No split of its revenue is on file yet.

The desk's written account of this company, its Past, Present and Future, is not on file yet.

How the company works

The desk has not read this company's annual report yet.

The record in brief

five sections from the record

By the desk, an AI model (Claude Haiku 4.5), written from the company's record on Oct 23, 2026; nothing here is advice. Every sentence rests on the numbered source beside it, and a sentence the record did not support was cut before the report was kept.

A newer quarterly report (Form 10-Q, filed 2026-10-30) and current report (Form 8-K, filed 2026-10-23) is on file; this report was written before it, and the desk writes it again on request.

Past

Revenue grew from $203 million in fiscal 2016 to $382 million in fiscal 2025, up 7.3% a year, rising in 7 of 9 years with a deepest fall of 8% from fiscal 2019 to fiscal 2021; net income was positive in 10 of 10 years. Net worth moved about 6.1% a year up over that span. Dividends declared per share grew from $1.77 in fiscal 2016 to $3.13 in fiscal 2025. The diluted share count shrank about 0.2% a year over the three fiscal years to 2025. The grade's past tense reads 6.5 of 10. 1234

Present

In its latest annual figures for the fiscal year ended 2025-12-31, Tompkins Financial Corporation reported revenue of $382 million and a profit of $161 million. The Form 10-K annual report for the period ended 2025-12-31 was filed on 2026-02-26. The Form 10-Q quarterly report for the period ended 2026-06-30 was filed on 2026-07-31. 45

For fiscal 2025, the company earned about 17 cents of profit for every dollar of shareholders' money, owed about 89 cents per dollar of assets, and its share count grew 0.5% over the year. By industry standing, its revenue of $382 million ranks in the top 45% by size among 155 graded names in its family; its net margin of 42.2% ranks in the top 3%; revenue growth of 15% a year over the last three filed years ranks in the bottom 34%. 1

The chief executive is Stephen S Romaine, filing under that title since 2006-01-25, 20.7 years; the 24 officers and directors filing in the last fifteen months have been on the record a median of 3.4 years. The grade's present tense reads 6.2 of 10. 14

Future

A quarterly report (Form 10-Q) for the quarter ending 2026-09-30 is due by 2026-11-09. An annual report (Form 10-K) for the fiscal year ending 2026-12-31 is due by 2027-03-01. The company's room to grow reads bottom 19% of its family: cash of $133 million against no long-term debt tagged leaves 1.5% of its assets as net cash; cash from operations less capital spending is 8.4% of revenue. Revenue growth over the last three filed years of 15% a year speeds up against 7.3% over all ten filed years, ranking in the top 21% of its family. The grade's future tense reads 5.8 of 10. 514

How the company operates

Tompkins Financial Corporation is a lending business classed by the SEC under State Commercial Banks (industry code 6022). It is based in Ithaca, NY. The company tags no split of its revenue by line of business in the annual report on file. 41

New moves

On 2026-10-23, Tompkins Financial Corporation filed a current report (Form 8-K) reporting results released and another event. 6

Sources

a number beside a sentence opens its entry in its own document's list
The record in brief 6 sources · written Oct 23, 2026
  1. TMP: the nine metricsthis site's record
    show the quoted wordsTrack record (past, graded 3.3 of 10, weighs 22% of the past): Tompkins Financial Corporation's 10 filed years say what it did: revenue went from $203 million in fiscal 2016 to $382 million in fiscal 2025, up 7.3% a year; it rose in 7 of 9 years; the deepest fall was 8% from fiscal 2019 to fiscal 2021; net income was positive in 10 of 10 of those years (its annual reports).Shareholder treatment (past, graded 6.8 of 10, weighs 33% of the past): Over the 3 fiscal years to 2025-12-31, Tompkins Financial Corporation's diluted share count shrank about 0.2% a year, and dividends and buybacks returned about 52% of its operating cash flow over 3 years (its filed statements).Financial health (present, graded 6.4 of 10, weighs 45% of the present): Return on equity: in the fiscal year ended 2025-12-31, Tompkins Financial Corporation earned about 17 cents of profit for every dollar of shareholders' money. Leverage: it owed about 89 cents per dollar of assets, and net share issuance: its share count grew 0.5% over the year (the filed statements). Finding: ROE 17%: 17¢ of Industry position (present, graded 6.2 of 10, weighs 33% of the present): Tompkins Financial Corporation's standing among 155 graded names in its industry family: revenue of $382 million in fiscal 2025 ranks in the top 45% by size; a net margin of 42.2% ranks in the top 3%; revenue growth of 15% a year over the last 3 filed years ranks in the bottom 34% (its annual reports). Finding: top 38% of 15Leadership (present, graded 5.8 of 10, weighs 22% of the present): Tompkins Financial Corporation's leadership, from its insiders' filings and its current reports: the chief executive on the record is Romaine, Stephen S (President & CEO, as filed), filing under that title since 2006-01-25, 20.7 years (top 1% of its family); the 24 officers and directors filing in the last fifteen months have been Room to expand (future, graded 1.9 of 10, weighs 33% of the future): Tompkins Financial Corporation's room to grow, from the newest filed statements (fiscal 2025): cash of $133 million against no long-term debt tagged leaves 1.5% of its assets as net cash, bottom 27% of its family; cash from operations less capital spending is 8.4% of revenue (bottom 11%) (its annual report). Finding: bottom 19% oGrowth drivers (future, graded 6.2 of 10, weighs 33% of the future): Tompkins Financial Corporation's growth drivers, from the filed years to fiscal 2025: revenue grew 15% a year over the last three filed years against 7.3% over all 10, speeding up (top 21% of its family); the newest year grew 9.9% (top 28%); capital spending grew -5.4% a year (bottom 36%) (its annual reports).Tompkins Financial Corporation tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.
  2. TMP: net worth, from the balance sheeta filing
    show the quoted wordsIn fiscal 2016, 9 filed years earlier, the net worth was $549 million, so it has moved about 6.1% a year up since.
  3. TMP: the statements' history (names, splits, dividends per share)a filing
    show the quoted wordsDividends declared per share (USD per share, what it declared for each share in the period), by fiscal year: FY2025 3.13; FY2024 2.44; FY2023 2.4; FY2022 2.31; FY2021 2.19; FY2020 2.1; FY2019 2.02; FY2018 1.94; FY2017 1.82; FY2016 1.77.
  4. TMP: the company filethis site's record
    show the quoted wordsHeadline grade 6.2 of 10; the arc reads past 6.5, present 6.2, future 5.8; 9 of 9 metrics read as filed.In its latest annual figures on file, for the fiscal year ended 2025-12-31, it reported revenue of $382 million and a profit of $161 million (its filed statements).Lending business (prior from its industry code (SEC 6022, State Commercial Banks); the filing read can change it). Sector: State Commercial Banks (SIC 6022).Based in Ithaca, NY.
  5. TMP: the filing record, ten yearsa filing
    show the quoted wordsDocument: https://www.sec.gov/Archives/edgar/data/1005817/000100581726000029 2026-02-26: Form 10-K, Annual report, for the period ended 2025-12-31. The money story, the trend, the balance-sheet block and the Financial health, Track record and Surviving crises measures: the year's full account, so every tense reads from it.Document: https://www.sec.gov/Archives/edgar/data/1005817/000199937126019430 2026-07-31: Form 10-Q, Quarterly report, for the period ended 2026-06-30. The quarterly money story and the trend by quarter; Financial health reads the newest balance sheet.Deadline ahead: Quarterly report (Form 10-Q) for the quarter ending 2026-09-30 is due by 2026-11-09; large accelerated filers have 40 days after the quarter ends; quarter ends are taken to the month end.Deadline ahead: Annual report (Form 10-K) for the fiscal year ending 2026-12-31 is due by 2027-03-01; large accelerated filers have 60 days after the fiscal year ends.
  6. TMP: the alerts of the last thirty days (headlines only; the desk has not read the articles)this site's record
    show the quoted words2026-10-23, SEC EDGAR, current 8-K filings: "Tompkins Financial Corporation filed a current report (8-K): results released; other event"
SI Assistanton TMP · research, not advice