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Tompkins Financial Corporation

Tompkins Financial Corporation

TMP · AMEX · Financial Services / Banks - Regional

100.39USD+0.25 (+0.25%)

Price History

Full chart

Market Stats

Previous Close100.14
Open100.20
Day Range99.16 – 100.72
52-Week Range59.89 – 102.59
Volume99.90K
Market Cap1.43B
P/E (TTM)8.14
Forward P/E12.85
EPS12.23
Dividend Yield2.81%
Beta0.71
50-Day Avg98.21
200-Day Avg85.94

About

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. It operates through two segments: Banking, and Wealth Management. The company accepts various deposit products, including checking and savings accounts, time deposits, and IRA products. It 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; home equity loans; residential real estate loans; commercial and industrial loans; commercial real estate loans; agriculture loans; and consumer and other loans, such as direct and indirect personal installment loans, automobile financing, and overdraft lines of credit. In addition, the company provides letters of credit and sweep accounts; credit and debit cards; deposit and cash management, internet-based account, remote deposit, safe deposit, ATM, voice response, and mobile and internet banking services; trust and estate; financial and tax planning services; property and casualty, life, disability, and long-term care insurance services; employee benefit consulting services; and insurance planning services. It primarily serves individuals, corporate executives, small business owners, and high net worth individuals. Tompkins Financial Corporation was founded in 1836 and is headquartered in Ithaca, New York.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Stephen S. Romaine
  • Employees813
  • Headquarters118 East Seneca Street, Ithaca, NY, United States, 14851, USA
  • Websitehttps://www.tompkinsfinancial.com

Leadership

  • Mr. Stephen S. RomainePresident, CEO & Director · b. 1965
  • Mr. Matthew D. TomazinExecutive VP, CFO & Treasurer · b. 1985
  • Ms. Alyssa H. FontaineExecutive VP, General Counsel, Secretary & Chief Risk Officer · b. 1981
  • Mr. David M. DeMiliaExecutive Vice President · b. 1976
  • Mr. David K KershawSenior Vice President of Finance & Accounting and Chief Accounting Officer · b. 1968
  • Mr. Bradley G. JamesSenior VP & CTO
  • Ms. Janet L. HewittAssistant VP and Corporate Administrative & Investor Relations Officer
  • Ms. Stacie M. MastinExecutive VP & Director of Human Resources · b. 1979
  • Mr. Richard M. DolgeSenior Vice President
  • Ms. Ginger G. KunkelExecutive Vice President · b. 1971

Financials

Income Statement

Currency: USD1986-12-311987-12-311988-12-311989-12-311990-12-311991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue----40.20M42.00M42.10M41.40M43.10M31.00M51.10M74.44M79.48M89.42M106.44M114.02M117.66M116.25M122.66M137.53M162.17M176.49M186.82M193.15M188.40M183.05M210.80M251.57M252.55M258.03M269.05M292.55M322.81M333.57M324.94M316.63M324.74M297.36M431.65M578.94M
Growth (%)-----+4.48%+0.24%-1.66%+4.11%-28.07%+64.84%+45.68%+6.77%+12.50%+19.03%+7.12%+3.19%-1.20%+5.51%+12.12%+17.92%+8.83%+5.85%+3.39%-2.46%-2.84%+15.16%+19.34%+0.39%+2.17%+4.27%+8.73%+10.34%+3.33%-2.59%-2.56%+2.56%-8.43%+45.16%+34.12%
Cost of Revenue----20.60M19.80M16.00M13.10M13.70M-19.10M29.67M30.91M31.50M41.29M37.78M31.05M25.99M26.19M34.34M49.61M59.94M55.82M49.05M40.79M34.63M33.05M30.14M22.99M23.31M26.42M29.62M43.73M52.12M46.20M15.31M23.83M-101.00K143.08M143.88M
Gross Profit----19.60M22.20M26.10M28.30M29.40M31.00M32.00M44.77M48.57M57.93M65.15M76.24M86.61M90.26M96.47M103.18M112.56M116.55M131.00M144.11M147.60M148.43M177.75M221.43M229.56M234.72M242.63M262.93M279.08M281.46M278.73M301.33M300.90M297.36M288.56M435.07M
Gross Margin----48.76%52.86%62.00%68.36%68.21%100.00%62.62%60.14%61.11%64.78%61.21%66.87%73.61%77.64%78.65%75.03%69.41%66.04%70.12%74.61%78.35%81.08%84.32%88.02%90.90%90.97%90.18%89.87%86.45%84.38%85.78%95.17%92.66%100.00%66.85%75.15%
Operating Expense----12.30M14.20M15.00M15.80M17.90M-17.70M25.03M26.86M34.88M39.39M46.20M52.40M53.99M58.36M62.29M72.08M78.19M87.06M96.76M97.22M96.50M135.25M149.67M151.98M147.21M156.11M167.68M174.84M178.60M181.07M186.75M191.19M285.36M195.59M210.21M
Operating Income3.30M3.00M3.90M4.30M7.30M8.00M11.10M12.50M11.50M-14.30M19.75M21.72M23.05M25.76M30.05M34.21M36.27M38.11M40.89M40.48M38.36M43.94M47.34M50.38M51.92M42.51M71.76M77.58M87.51M86.52M95.24M104.24M102.86M97.67M114.57M109.71M12.00M92.98M224.86M
Operating Margin----18.16%19.05%26.37%30.19%26.68%-27.98%26.52%27.32%25.78%24.20%26.35%29.07%31.20%31.07%29.73%24.96%21.74%23.52%24.51%26.74%28.36%20.16%28.53%30.72%33.92%32.16%32.56%32.29%30.84%30.06%36.18%33.79%4.04%21.54%38.84%
EBITDA3.30M3.00M3.90M4.30M8.00M8.80M11.90M13.30M12.40M30.80M15.20M21.96M24.13M26.17M29.38M34.93M40.03M44.14M44.57M47.09M46.88M44.79M49.52M52.74M55.81M57.27M49.10M79.67M85.38M96.00M95.44M105.44M115.56M114.58M109.34M126.14M121.27M12.00M103.45M233.47M
EBITDA Margin----19.90%20.95%28.27%32.13%28.77%99.35%29.75%29.49%30.36%29.26%27.60%30.63%34.02%37.97%36.34%34.24%28.91%25.38%26.51%27.31%29.62%31.29%23.29%31.67%33.81%37.20%35.47%36.04%35.80%34.35%33.65%39.84%37.34%4.04%23.97%40.33%
Net Income3.30M3.00M3.90M4.30M4.70M5.20M7.20M8.10M8.10M8.70M9.20M12.99M14.50M15.20M17.51M19.63M22.91M24.20M25.61M27.68M27.77M26.37M29.83M31.83M33.83M35.42M31.29M50.86M52.04M58.42M59.34M52.49M82.31M81.72M77.59M89.26M85.03M9.51M70.85M161.07M
Net Income Margin----11.69%12.38%17.10%19.57%18.79%28.06%18.00%17.45%18.25%17.00%16.45%17.21%19.47%20.82%20.88%20.13%17.12%14.94%15.97%16.48%17.96%19.35%14.84%20.22%20.61%22.64%22.06%17.94%25.50%24.50%23.88%28.19%26.18%3.20%16.41%27.82%
R&D-------------------------00000000-------
R&D as % of Total Revenue-------------------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense000019.60M18.40M14.00M11.90M12.90M16.50M17.90M28.23M29.37M30.55M40.08M36.17M28.82M23.49M23.33M31.69M48.18M58.41M50.39M39.76M32.29M25.68M24.21M23.98M20.68M20.36M22.10M25.46M39.79M50.75M28.99M17.53M21.04M87.84M136.47M132.34M
Interest Expense % of Total Revenue----48.76%43.81%33.25%28.74%29.93%53.23%35.03%37.93%36.95%34.16%37.65%31.73%24.49%20.21%19.02%23.04%29.71%33.10%26.97%20.58%17.14%14.03%11.49%9.53%8.19%7.89%8.22%8.70%12.33%15.21%8.92%5.54%6.48%29.54%31.62%22.86%

Balance Sheet

Currency: USD1986-12-311987-12-311988-12-311989-12-311990-12-311991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets----383.50M427.50M459.30M492.20M511.20M537.00M591.30M626.90M954.71M1.19B1.30B1.42B1.67B1.86B1.97B2.11B2.21B2.36B2.87B3.15B3.26B3.40B4.84B5.00B5.27B5.69B6.24B6.65B6.76B6.73B7.62B7.82B7.67B7.82B8.11B8.67B
Total Liabilities----352.60M393.10M419.50M444.80M463.40M481.90M538.70M570.00M855.68M1.09B1.19B1.29B1.52B1.70B1.80B1.92B2.02B2.16B2.65B2.91B2.99B3.10B4.40B4.55B4.78B5.17B5.69B6.07B6.14B6.06B278.22M7.09B7.05B7.15B7.40B7.73B
Total Equity----30.90M34.40M39.80M47.40M47.80M55.10M52.60M56.90M97.65M96.62M115.00M131.07M150.60M158.97M171.00M181.22M189.62M197.19M217.91M243.56M271.96M297.69M439.91M456.49M489.58M516.47M549.40M576.20M620.87M663.05M7.34B728.94M615.98M668.52M713.44M938.38M
Cash----28.90M28.00M26.80M28.20M28.10M20.80M25.30M25.10M27.82M35.94M45.94M43.97M63.90M65.76M40.93M63.30M49.97M49.86M48.13M43.69M47.34M47.30M117.45M71.08M56.07M58.26M63.95M84.30M80.39M137.98M388.46M63.11M77.84M79.54M134.40M132.82M
Total Debt-----56.80M-12.00M12.00M12.00M15.00M27.00M48.97M42.01M67.26M75.58M81.93M87.11M63.30M63.67M85.94M210.86M274.79M208.97M244.19M211.14M155.52M368.70M934.79M1.28B1.71B1.75B1.74B914.24M374.06M138.00M347.58M653.10M790.25M660.01M
Net Debt-----28.90M28.80M-26.80M-16.20M-16.10M-8.80M-10.30M1.90M21.16M6.07M21.32M31.61M18.03M21.36M22.37M376.00K35.97M161.00M222.54M163.60M194.63M161.57M36.59M285.82M337.81M515.54M858.54M1.00B1.01B537.15M-110.24M60.89M269.74M573.55M655.85M527.20M

Cash Flow

Currency: USD1990-12-311991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow4.80M5.90M7.50M10.10M8.70M11.20M11.50M16.69M20.80M15.40M28.37M19.41M22.49M34.44M35.87M38.19M37.55M37.57M61.53M23.86M64.85M71.99M61.78M83.71M77.36M82.44M90.86M86.06M107.27M101.61M101.39M121.18M103.34M89.00M94.97M38.87M
Investing Cash Flow-32.80M-46.20M-35.20M-28.90M-25.00M--53.00M-49.96M-59.74M-86.19M-105.80M-127.84M-220.48M-206.58M-140.47M-124.18M-119.85M-154.55M-292.70M-277.96M-133.79M-152.62M27.26M-278.38M-310.75M-452.92M-573.49M-426.95M-143.60M133.99M-643.72M-583.29M-8.44M-146.30M-250.44M-300.73M
Financing Cash Flow19.60M39.40M26.40M20.30M16.10M12.30M45.70M33.89M48.11M78.91M88.00M87.18M218.17M173.60M79.78M110.85M68.67M114.66M233.56M247.21M73.14M80.53M-19.67M158.63M206.58M372.66M488.33M361.24M32.42M-178.01M792.81M136.76M-80.17M59.00M210.33M260.28M
Capital Expenditure700.00K600.00K1.40M1.30M2.30M1.10M800.00K2.32M2.18M2.43M5.55M3.74M4.93M4.34M7.80M6.81M9.56M5.41M2.77M5.17M3.53M3.31M7.07M6.54M9.04M6.34M16.06M35.29M18.08M6.01M4.55M4.74M8.17M6.76M6.21M6.92M
Free Cash Flow4.10M5.30M6.10M8.80M6.40M10.10M10.70M14.37M18.61M12.97M22.82M15.67M17.56M30.10M28.07M31.37M27.99M32.16M58.76M18.70M61.32M68.68M54.71M77.16M68.32M76.46M74.80M50.77M89.18M95.60M96.84M116.44M95.17M82.24M88.76M31.95M
Dividends Paid1.70M1.90M2.30M2.90M3.20M3.50M3.80M4.77M5.50M6.16M7.70M8.14M8.58M9.09M9.77M10.50M11.31M12.02M12.73M13.21M14.39M15.42M19.02M22.46M23.98M25.41M26.60M27.63M29.63M30.64M31.36M32.41M33.56M34.51M35.05M36.09M
FCF to OCF85.42%89.83%81.33%87.13%73.56%90.18%93.04%86.07%89.50%84.20%80.45%80.74%78.09%87.39%78.26%82.16%74.54%85.59%95.50%78.36%94.56%95.40%88.56%92.18%88.31%92.74%82.33%59.00%83.14%94.08%95.51%96.09%92.10%92.40%93.46%82.19%
Dividend Paid to FCF41.46%35.85%37.70%32.95%50.00%34.65%35.51%33.18%29.54%47.50%33.72%51.92%48.83%30.21%34.80%33.48%40.39%37.39%21.66%70.63%23.46%22.45%34.77%29.11%35.10%33.23%35.56%54.41%33.23%32.05%32.38%27.84%35.27%41.96%39.49%112.97%

Earnings

Report DateMar 31, 1998Jun 30, 1998Sep 30, 1998Mar 31, 1999Jun 30, 1999Sep 30, 1999Mar 31, 2000Jun 30, 2000Sep 30, 2000Dec 31, 2000Mar 31, 2001Jun 30, 2001Sep 30, 2001Dec 31, 2001Apr 24, 2002Jul 24, 2002Oct 23, 2002Jan 29, 2003Apr 23, 2003Jul 23, 2003Oct 22, 2003Jan 28, 2004Apr 21, 2004Jul 28, 2004Oct 27, 2004Jan 26, 2005Apr 20, 2005Jul 26, 2005Oct 26, 2005Jan 25, 2006Apr 26, 2006Jul 19, 2006Oct 25, 2006Jan 24, 2007Apr 25, 2007Jul 24, 2007Oct 24, 2007Jan 30, 2008Apr 23, 2008Jul 23, 2008Oct 22, 2008Jan 28, 2009Apr 29, 2009Jul 22, 2009Oct 28, 2009Jan 27, 2010Apr 21, 2010Jul 21, 2010Oct 27, 2010Jan 26, 2011Apr 27, 2011Jul 20, 2011Oct 26, 2011Jan 25, 2012Apr 25, 2012Jul 20, 2012Oct 24, 2012Jan 25, 2013Apr 26, 2013Jul 19, 2013Oct 18, 2013Jan 24, 2014Apr 25, 2014Jul 25, 2014Oct 24, 2014Jan 28, 2015Apr 24, 2015Jul 31, 2015Oct 30, 2015Jan 29, 2016Apr 22, 2016Jul 22, 2016Oct 28, 2016Jan 27, 2017Apr 28, 2017Jul 21, 2017Oct 27, 2017Jan 26, 2018Apr 27, 2018Jul 20, 2018Oct 19, 2018Jan 25, 2019Apr 26, 2019Jul 19, 2019Oct 18, 2019Jan 31, 2020May 1, 2020Jul 24, 2020Oct 23, 2020Jan 29, 2021Apr 30, 2021Jul 23, 2021Oct 22, 2021Jan 28, 2022Apr 29, 2022Jul 22, 2022Oct 28, 2022Jan 27, 2023Apr 28, 2023Jul 21, 2023Oct 27, 2023Jan 26, 2024Apr 26, 2024Jul 26, 2024Oct 25, 2024Jan 31, 2025Apr 25, 2025Jul 25, 2025Oct 24, 2025Jan 30, 2026Apr 24, 2026Jul 24, 2026Oct 23, 2026
EPS Estimate--------------0.480.480.500.510.550.540.55--0.560.560.610.620.620.640.730.640.630.620.730.580.580.620.650.660.670.710.700.640.590.750.750.690.790.780.720.760.800.830.820.820.770.770.870.880.840.810.840.830.860.860.870.910.860.910.930.940.940.990.971.011.051.121.151.301.361.401.351.281.331.311.331.060.901.341.461.341.441.441.511.421.341.551.421.321.051.091.251.150.901.211.161.311.431.701.651.761.801.91
EPS Actual0.370.380.410.410.420.460.420.410.440.420.440.430.480.440.470.530.560.510.530.510.560.540.560.560.620.590.580.640.640.650.520.620.620.550.530.590.700.750.610.660.740.670.720.690.780.690.780.830.690.810.800.850.710.840.700.760.870.810.810.760.900.910.840.870.920.850.841.150.960.920.940.960.970.991.031.111.141.151.331.391.381.231.371.271.341.400.531.441.631.611.721.541.661.331.601.451.481.361.350.590.991.051.181.101.301.371.371.501.651.781.822.04-
Surprise---------------2.08%10.42%12.00%0.00%-3.64%-5.56%1.82%--0.00%10.71%-3.28%-6.45%3.23%0.00%-10.96%-18.75%-1.59%0.00%-24.66%-8.62%1.72%12.90%15.38%-7.58%-1.49%4.23%-4.29%12.50%16.95%4.00%-8.00%13.04%5.06%-11.54%12.50%5.26%6.25%-14.46%2.44%-14.63%-1.30%12.99%-6.90%-7.95%-9.52%11.11%8.33%1.20%1.16%6.98%-2.30%-7.69%33.72%5.49%-1.08%0.00%2.13%-2.02%2.06%1.98%5.71%1.79%0.00%2.31%2.21%-1.43%-8.89%7.03%-4.51%2.29%5.26%-50.00%60.00%21.64%10.27%28.36%6.94%15.28%-11.92%12.68%8.21%-4.52%-4.23%2.27%-43.81%-9.17%-16.00%2.61%22.22%7.44%18.10%4.58%4.90%-2.94%7.88%3.41%13.33%-
Timing--------------After-hours-Pre-marketPre-marketPre-marketPre-marketPre-market--Pre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market

Key Statistics & Ratios

Market Cap1.43B
Enterprise Value2.01B
Trailing P/E8.14
Forward P/E12.85
PEG Ratio1.61
Price / Sales3.21
Price / Book1.45
EPS12.23
Book Value67.04
Revenue (TTM)446.61M
Gross Profit (TTM)446.61M
Profit Margin39.25%
Operating Margin45.03%
Return on Equity20.36%
Return on Assets2.04%
Shares Outstanding14.38M
Shares Float13.06M
Beta0.71
Dividend Yield2.81%
Dividend Rate2.80
Payout Ratio36.90%

Analyst Ratings

Buy
Based on 2 analystsTarget 104.50
  • Buy
    1
  • Hold
    1

Dividends

20264×
0.74Nov 6, 20260.70Aug 7, 20260.67May 8, 20260.67Feb 13, 2026
20254×
0.65Nov 7, 20250.62Aug 8, 20250.62May 9, 20250.62Feb 14, 2025
20244×
0.62Nov 8, 20240.61Aug 9, 20240.61May 9, 20240.60Feb 8, 2024
20234×
0.60Nov 6, 20230.60Jul 31, 20230.60May 8, 20230.60Feb 6, 2023
20224×
0.60Nov 7, 20220.57Aug 1, 20220.57May 9, 20220.57Feb 7, 2022
20214×
0.57Nov 1, 20210.54Aug 2, 20210.54May 10, 20210.54Feb 8, 2021

Stock Splits

  • Feb 3, 201011:10
  • May 1, 200611:10
  • Feb 2, 200511:10
  • Aug 1, 200311:10
  • Mar 16, 19983:2
  • Nov 29, 199511:10
  • Nov 2, 199311:10
  • Nov 1, 1990103:100