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Tompkins Financial Corporation (TMP)
Financial Services · Banks - Regional · NYSE American
Tompkins Financial Corporation revenue & earnings — last 10 fiscal years
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $0 | $63.09M | $65.96M | $67.56M | $65.75M | $72.60M | $308.25M | $219.75M | $299.23M | $447.87M |
| Gross profit | — | — | — | — | — | — | — | — | — | — |
| Net income | $59.34M | $52.49M | $82.31M | $81.72M | $77.59M | $89.26M | $85.03M | $9.51M | $70.85M | $161.07M |
| Net margin | — | 83.2% | 124.8% | 121.0% | 118.0% | 123.0% | 27.6% | 4.3% | 23.7% | 36.0% |
Source: Tompkins Financial Corporation SEC filings (10-K). 17 years of history available in the interactive view.
What growth is priced into TMP stock?
At today's market cap of $1.30B, Tompkins Financial Corporation is priced for free-cash-flow growth of about 17.4% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $31.95M from the FY ending 2025-12-31). For comparison, free cash flow actually grew -19.9%/yr over the last five fiscal years and revenue 46.8%/yr, computed from its SEC filings. This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 17 years of Tompkins Financial Corporation financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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Tompkins Financial Corporation financial history by metric
About Tompkins Financial Corporation
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.
Tompkins Financial Corporation — frequently asked questions
What is Tompkins Financial Corporation's revenue?
Tompkins Financial Corporation (TMP) reported revenue of $447.87M for fiscal year 2025, up 49.7% from the prior year, according to its SEC filings.
Is Tompkins Financial Corporation profitable?
Yes. TMP earned net income of $161.07M in fiscal 2025, a net margin of 36.0%.
What is TMP's P/E ratio?
Tompkins Financial Corporation trades at a price-to-earnings ratio of about 7.7 based on the latest data in our nightly-refreshed cache.
How fast is Tompkins Financial Corporation growing?
TMP's revenue grew at roughly 46.8% per year over the last five fiscal years (compound annual growth rate), computed from SEC-filed statements.
How much debt does Tompkins Financial Corporation have?
As of fiscal year 2025, TMP carried roughly $0 in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is Tompkins Financial Corporation's market cap?
Tompkins Financial Corporation (TMP) has a market capitalization of about $1.30B, based on the latest data in our nightly-refreshed cache.
When does Tompkins Financial Corporation's fiscal year end?
TMP's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into TMP stock?
At today's market cap of $1.30B, Tompkins Financial Corporation is priced for free-cash-flow growth of about 17.4% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $31.95M from the FY ending 2025-12-31). For comparison, free cash flow actually grew -19.9%/yr over the last five fiscal years and revenue 46.8%/yr, computed from its SEC filings.
Where does this data come from?
All figures are computed from Tompkins Financial Corporation's official SEC filings (10-K and 10-Q), covering 17 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.