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Tompkins Financial Corp

TMP · Financials

Last earnings Oct 23, 2026

Key results

EPSquarter

$1.65

earnings per share of $1.65 for the third quarter of 2025, up 10.0% from the immediate prior quarter, and up 26.9% from the diluted

SEC original ↗Tompkins Financial Corp — Earnings release (8-K exhibit)EX-99Oct 24, 2025

Growthquarter

up 10.0%

earnings per share of $1.65 for the third quarter of 2025, up 10.0% from the immediate prior quarter, and up 26.9% from the diluted

SEC original ↗Tompkins Financial Corp — Earnings release (8-K exhibit)EX-99Oct 24, 2025

earnings per share of $1.30 reported for the third quarter of 2024.

SEC original ↗Tompkins Financial Corp — Earnings release (8-K exhibit)EX-99Oct 24, 2025

Net incomequarter

$23.7 million

Net income for the third quarter of 2025 was $23.7 million, up $2.2 million, or 10.3%, compared to the second quarter of 2025, and up $5.0 million, or 27.0%, when compared to the third quarter of 2024.

SEC original ↗Tompkins Financial Corp — Earnings release (8-K exhibit)EX-99Oct 24, 2025

EPSytd

$4.52

For the nine months ended September 30, 2025, diluted earnings per share were $4.52, up 25.9% from the $3.59 reported for the nine months ended September 30, 2024.

SEC original ↗Tompkins Financial Corp — Earnings release (8-K exhibit)EX-99Oct 24, 2025

Year-to-date net incomeytd

$64.8 million

Year-to-date net income was $64.8 million for the nine months ended September 30, 2025, up $13.6 million or 26.6% when compared to $51.2 million for the same nine month period in 2024.

SEC original ↗Tompkins Financial Corp — Earnings release (8-K exhibit)EX-99Oct 24, 2025

Growthytd

up $13.6 million

Year-to-date net income was $64.8 million for the nine months ended September 30, 2025, up $13.6 million or 26.6% when compared to $51.2 million for the same nine month period in 2024.

SEC original ↗Tompkins Financial Corp — Earnings release (8-K exhibit)EX-99Oct 24, 2025

Net income was up 27.0% in the third quarter of 2025 as compared to the same quarter in the prior year.

SEC original ↗Tompkins Financial Corp — Earnings release (8-K exhibit)EX-99Oct 24, 2025

AI analysis

Q3 2025 · reported Oct 24, 2025

Based on: Earnings release + parent 8-K — transcript not held

EPS · Q3 2025
$1.65
EX-99 · Oct 24, 2025
Net income · Q3 2025
$23.7M
-53.7% -$28M vs year ago computed from stated figures
EX-99 · Oct 24, 2025

Headline figures

MetricQ3 2025Prior qtrYear ago
EPS$1.65——
Growthup 10.0%——
Net income$23.7 million—$51.2 million

EX-99 · Oct 24, 2025

Guidance · company-stated

No guidance located in the held release

Outlook statement

“The decrease in the allowance for credit losses coverage ratio compared to September 30, 2025 was mainly due to improved economic forecasts for unemployment and gross domestic product and lower qualitative reserves related to asset quality.”

Next earningsNo verified date on fileNo date is estimated or imported

Capital allocation

Liquidity is enhanced by ready access to national and regional wholesale funding sources including Federal funds purchased, repurchase agreements, brokered deposits, Federal Reserve Bank's Discount Window advances and Federal Home Loan Bank (FHLB) advances.

General educational research only — not investment advice.Every figure is as stated in the held documents; values marked “computed from stated figures” are arithmetic on those stated figures. Guidance shown is the company’s own stated guidance. No price targets, no recommendations, no consensus estimates.

Event summary

For the nine months ended September 30, 2025, diluted earnings per share were $4.52, up 25.9% from the $3.59 reported for the nine months ended September 30, 2024

Based on: Earnings release + parent 8-K — transcript not held

Guidance & outlook

No guidance located in the held release

Capital allocation

Liquidity is enhanced by ready access to national and regional wholesale funding sources including Federal funds purchased, repurchase agreements, brokered deposits, Federal Reserve Bank's Discount Window advances and Federal Home Loan Bank (FHLB) advances.

SEC original ↗Tompkins Financial Corp — Earnings release (8-K exhibit)EX-99Oct 24, 2025

Strategy & priorities

Our performance was driven by continued net interest margin expansion along with loan and deposit growth of 7%.

SEC original ↗Tompkins Financial Corp — Earnings release (8-K exhibit)EX-99Oct 24, 2025

Risks & headwinds

The statements contained in this press release that are not statements of historical fact may include forward-looking statements that involve a number of risks and uncertainties.

SEC original ↗Tompkins Financial Corp — Earnings release (8-K exhibit)EX-99Oct 24, 2025

Forward-looking statements are made based on management s expectations and beliefs concerning future events impacting the Company and are subject to uncertainties and factors relating to the Company s operations and economic environment, all of which are difficult to predict and many of which are beyond the control of the Company, that could cause actual results of the Company to differ materially from those expressed and or implied by forward-looking statements and historical performance.

SEC original ↗Tompkins Financial Corp — Earnings release (8-K exhibit)EX-99Oct 24, 2025

Documents

Earnings deck slides

0 decks with slide view

Tompkins Financial Corp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Tompkins Financial Corp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Competitors

Competitors & peers

Same GICS sector — classification peers, not declared competitors

Arthur J. Gallagher & Co. (AJG) FinancialsSun Life Financial (SLF) FinancialsRaymond James Financial (RJF) FinancialsAflac (AFL) FinancialsING Group (ING) FinancialsNorthern Trust (NTRS) FinancialsCincinnati Financial (CINF) FinancialsCoinbase (COIN) Financials

Filings

32 documents

Earnings releases

10 documents

Presentations

2 documents

Transcripts

0 documents

No transcripts for Tompkins Financial Corp are held in this edition of the library.

Mentioned by

1 company

Other tracked companies whose held documents mention Tompkins Financial Corp by name or ticker. A mention is counted once per document, from the document text the library holds.

See also the earnings calendar for every tracked company’s next earnings date.