TOMPKINS FINANCIAL CORP

Listed Company

TMPCIK 0001005817NYSELarge AcceleratedState Commercial BanksNew YorkFY ends Dec 31

Period

FY 2025

Revenue

—

Net Income

$161.07M

Total Assets

$8.67B

Equity

$938.38M

Shares Out

14.42M

Op. Cash Flow

$38.87M

+ 13F Filer

Business

TOMPKINS FINANCIAL CORP is a financial holding company that provides community-based banking and related financial services through its bank and subsidiaries. It offers commercial and consumer banking, leasing, trust and investment management, financial planning and wealth management, and property/casualty, life and disability insurance services. The company operates through three business segments: banking, insurance and wealth management. Its services are distributed primarily through a regional branch network in New York and Pennsylvania, shared offices with its insurance operation, and digital delivery channels.

Summary from filing dated 2025-02-28

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Loans	335	302	260	218	215
Due from banks	760,000	741,000	674,000	371,000	343,000
Available-for-sale debt securities	39	37	30	28	23
Held-to-maturity debt securities	5	5	5	5	2
Federal Home Loan Bank and other stock	3	3	2	646,000	776,000
Total Interest and Dividend Income	382	348	297	251	241
Time certificates of deposits of $250,000 or more	17	17	11	2	2
Other deposits	93	87	59	14	9
Federal funds purchased and securities sold under agreements to repurchase	146,000	46,000	58,000	60,000	64,000
Other borrowings	22	32	17	5	4
Total Interest Expense	132	136	88	21	—
Net Interest Income	250	211	210	230	224
Less: Provision for credit loss expense	12	7	4	3	−2
Net Interest Income After Provision for Credit Loss Expense	238	204	205	227	226
Insurance commissions and fees	36	39	37	36	35
Wealth management fees	20	20	18	18	19
Service charges on deposit accounts	7	7	7	7	6
Card services income	12	12	11	11	11
Gain on sale of TIA	188	0	0	—	—
Other income	13	10	7	6	7
Net gain (loss) on securities transactions	−79	32,000	−70	−634,000	249,000
Total Noninterest Income	197	88	10	78	79
Salaries and wages	109	101	97	98	96
Other employee benefits	27	27	27	25	24
Net occupancy expense of premises	13	13	13	13	13
Furniture and fixture expense	7	8	9	8	8
Amortization of intangible assets	292,000	332,000	334,000	873,000	1
Other operating expense	54	51	56	50	47
Total Noninterest Expenses	210	200	203	196	190
Income Before Income Tax Expense	225	93	12	110	115
Income Tax Expense	64	22	2	25	25
Net Income Attributable to Noncontrolling Interests and Tompkins Financial Corporation	161	71	10	85	89
Less: Net Income Attributable to Noncontrolling Interests	0	123,000	124,000	126,000	127,000
Net Income Attributable to Tompkins Financial Corporation	161	71	10	85	89
Basic Earnings Per Share (in dollars per share)	11.3	4.98	0.66	5.92	6.08
Diluted Earnings Per Share (in dollars per share)	11.24	4.97	0.66	5.89	6.05

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Cash and noninterest bearing balances due from banks	51	54	67	19	23
Interest bearing balances due from banks	82	81	12	59	40
Cash and Cash Equivalents	133	134	80	78	63
Available-for-sale debt securities, at fair value (amortized cost of $1,391,379 at December 31, 2025 and $1,367,123 at December 31, 2024)	1,382	1,232	1,417	1,595	2,045
Held-to-maturity debt securities, at amortized cost (fair value of $283,860 at December 31, 2025 and $267,295 at December 31, 2024)	313	312	312	312	284
Equity securities, at fair value	800,000	768,000	787,000	777,000	902,000
Loans held for sale	43	0	—	—	—
Total loans and leases, net of unearned income and deferred costs and fees	6,446	6,020	5,606	5,269	5,075
Less: Allowance for credit losses	58	56	52	46	43
Net Loans and Leases	6,389	5,963	5,554	5,223	5,033
Federal Home Loan Bank and other stock	32	42	34	18	11
Bank premises and equipment, net	72	77	80	82	85
Corporate owned life insurance	78	76	68	86	87
Goodwill	73	93	93	93	92
Other intangible assets, net	2	2	2	3	4
Accrued interest and other assets	151	176	180	181	116
Total Assets	8,668	8,109	7,820	7,671	7,820
Checking, savings and money market	3,742	3,559	3,485	3,821	4,016
Time	1,298	1,068	998	631	640
Noninterest bearing	1,897	1,844	1,917	2,150	2,136
Total Deposits	6,938	6,472	6,400	6,602	6,791
Federal funds purchased and securities sold under agreements to repurchase	96	37	51	56	67
Other borrowings	564	790	602	291	124
Other liabilities	132	97	97	103	109
Total Liabilities	7,730	7,396	7,150	7,053	7,091
Common Stock - par value $.10 per share: Authorized 25,000,000 shares; Issued: 14,449,845 at December 31, 2025; and 14,468,013 at December 31, 2024	1	1	1	1	1
Additional paid-in capital	299	300	297	303	313
Retained earnings	662	537	502	527	475
Accumulated other comprehensive loss	−19	−118	−125	−209	−56
Treasury stock, at cost 104,492 shares at December 31, 2025, and 131,497 shares at December 31, 2024	−5	−7	−7	−6	−6
Total Tompkins Financial Corporation Shareholders Equity	938	713	670	617	729
Total Liabilities and Equity	8,668	8,109	7,820	7,671	7,820

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Depreciation and amortization of premises, equipment, and software	8	10	11	11	10
Transaction costs related to the sale of TIA	−12	0	0	—	—
Earnings from corporate owned life insurance	−2	−3	−2	−1	−2
Net amortization on securities	−4	−1	2	6	12
Amortization/accretion related to purchase accounting	−269,000	−691,000	−677,000	−921,000	−912,000
Current year tax liability	37	10	8	—	—
Deferred income tax (benefit) expense	−1	−3	−434,000	910,000	2
Net (gain) loss on securities transactions	79	−32,000	70	634,000	−249,000
Net gain on sale of loans originated for sale	−2	−1	−96,000	−155,000	−943,000
Proceeds from sale of loans originated for sale	88	41	5	9	32
Loans originated for sale	−89	−41	−5	—	—
Loans held for sale	−43	0	0	—	—
Net gain on sale of bank premises and equipment	28,000	−218,000	−55,000	−105,000	−21,000
Net excess tax (expense) benefit from stock based compensation	69,000	−134,000	−229,000	365,000	609,000
Stock-based compensation expense	3	5	4	4	5
Increase in accrued interest receivable	−2	−3	−1	−2	9
Increase in accrued interest payable	66,000	1	2	519,000	−826,000
Other, net	−5	3	−18	−4	−11
Net Cash Provided by Operating Activities	39	95	89	103	121
Proceeds from maturities, calls and principal paydowns of available-for-sale debt securities	228	198	162	209	454
Proceeds from sales of available-for-sale debt securities	486	40	440	161	143
Purchases of available-for-sale debt securities	−813	−56	−391	−155	−1,072
Net increase in loans	−445	−429	−337	−193	175
Proceeds from sale/redemptions of Federal Home Loan Bank stock	144	114	116	81	9
Purchases of Federal Home Loan Bank and other stock	−134	−123	−132	−88	−4
Proceeds from sale of bank premises and equipment	2	294,000	146,000	223,000	95,000
Purchases of bank premises, equipment and software	−7	−6	−7	−8	−5
Purchase of corporate owned life insurance	−2,000	−6	0	0	—
Proceeds from redemption of corporate owned life insurance	1	18	2	2	169,000
Proceeds from sale of other real estate owned	17	0	175,000	—	0
Net proceeds from the sale of TIA	221	0	0	—	—
Other, net	0	−1	479,000	−431,000	23,000
Net Cash (Used in) Provided by Investing Activities	−301	−250	−146	−8	−583
Net increase (decrease) in demand, money market, and savings deposits	236	2	−569	−181	460
Net increase in time deposits	230	71	367	−8	−106
Net increase (decrease) in Federal funds purchased and securities sold under agreements to repurchase	59	−14	−5	−11	942,000
Increase in other borrowings	367	805	450	436	14
Repayment of other borrowings	−593	−617	−140	−269	−158
Cash dividends	−36	−35	−35	−34	−32
Common stock issued	119,000	170,000	0	0	—
Repurchase of common stock	−2	0	−9	−15	−24
Net shares issued related to restricted stock awards	−1	−1	−1	−2	−2
Net proceeds from exercise of stock options	−33,000	−115,000	−124,000	—	—
Net Cash Provided by (Used in) Financing Activities	260	210	59	−80	137
Net Increase in Cash and Cash Equivalents	−2	55	2	15	−325
Cash paid during the year for - Interest	133	136	86	21	17
Cash paid during the year for - Taxes	27	15	10	24	29
Transfer of loans to other real estate owned	626,000	14	131,000	351,000	46,000
Transfer of loans to other assets	13	0	0	—	0
Right-of-use assets obtained in exchange for new lease liabilities	2	2	2	2	2

Filings

Filing historySign up free to browse every 10-K, 10-Q, 8-K, and proxy this filer has submitted to the SEC.Sign up free · Upgrade to Pro

Material Events

Material EventsTrack every 8-K filing and material event — AI-summarized, timelined, and alertable.Sign up free · Upgrade to Pro

Insiders

Insider ActivitySee executive buy/sell windows and insider trade activity over rolling 30/90/365-day windows.Sign up free · Upgrade to Pro

Institutional Holders

Institutional HoldersSee which funds hold this stock and track position changes quarter over quarter.Sign up free · Upgrade to Pro

Holdings (13F)

Portfolio as of 2026-01-14 · 809 positions

Reported AUM

$709.35M

Holdings

809

Top sector

$709.35M

Top sectors

Sector	Value	% of portfolio
Uncategorized	$709.35M	100.0%

Top holdings

Issuer	Ticker	Shares	Value	%
Tompkins Financial Corp	—	774.8K	$60.65M	8.6%
Apple Inc	—	224.2K	$39.14M	5.5%
Tompkins Financial Corp	—	462.0K	$36.16M	5.1%
MICROSOFT CORP	—	97.2K	$29.97M	4.2%
WisdomTree Asset Management Inc	—	762.1K	$24.89M	3.5%
Vanguard ETF/USA	—	249.4K	$11.98M	1.7%
Voya Investments LLC	—	44.3K	$11.88M	1.7%
Eli Lilly & Co	—	40.3K	$11.53M	1.6%
Exxon Mobil Corp	—	116.6K	$9.63M	1.4%
Walmart Inc	—	64.3K	$9.57M	1.4%