Tompkins Financial Corporation (TMP)

From the record

Tompkins Financial Corporation's filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

From the record

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).

From the record

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). Its officers and directors filed 1 sale and 2 purchases of their own stock on the open market in the year to 2026-11-12, buying about $200 thousand (their Form 4 filings).

From the record

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).

From the record

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).

From the record

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, 20.8 years (top 1% of its family); the 24 officers and directors filing in the last fifteen months have been on the record a median of 3.5 years (bottom 5%); 5 officer or director changes were reported on Form 8-K since 2023-11-13, against the 24 people in charge now (top 30%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

From the record

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).

From the record

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.

From the record

Tompkins Financial Corporation's newest year against its own record: revenue of $382 million in fiscal 2025 came in 6.5% below the $409 million its prior three years' pace pointed to (top 20% of its family); net income of $161 million against a prior three-year average of $55 million (top 2%); a net margin of 42.2% against 19.1% before (top 2%) (its annual reports).