TMP is the ticker symbol for TOMPKINS FINANCIAL CORP, a publicly traded Financials sector company listed on NYSE. 13F Pro tracks TMP with AI-powered analysis, an AI quality score, SEC EDGAR financials, insider transactions, and institutional 13F holdings — all sourced directly from public SEC filings.

Is TMP a good stock to buy?

13F Pro's AI ranking engine scores TMP at 69.0/100, ranked #277 of 2,925 stocks on a composite quality score built from its SEC filings, covering profitability, growth, balance sheet strength, and free cash flow. The full AI verdict and bull/bear case for TMP is available at https://13fpro.ai/company/TMP. Not investment advice — review the underlying SEC filings before making any trade.

Where does 13F Pro source TMP data?

All TOMPKINS FINANCIAL CORP fundamentals and ownership data come directly from SEC EDGAR. TOMPKINS FINANCIAL CORP files with the SEC under CIK 1005817. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

TOMPKINS FINANCIAL CORP TMP

NYSESmall CapFinancials

13F Pro quality score

Rank #277 of 2,925TOP 10%

Why it scores 69 Financials peers →

Rankings refresh quarterly once 80% of peers have filed. Next update: ~Nov 14, 2026.

Revenue

$87.12M

Quarter to Jun 30

Net income

$29.30M

Quarter to Jun 30

Free cash flow

$-17.12M

Quarter to Jun 30

Operating margin

44.3%

Quarter to Jun 30

Top Institutional Holders

as of Q2 2026

$957.55M total

BlackRock, Inc.

$193.74M+2.4%

STATE STREET CORP

$114.17M+1.8%

TOMPKINS FINANCIAL CORP

$105.61M-0.2%

VANGUARD PORTFOLIO MANAGEMENT LLC

$72.54M+1.8%

DIMENSIONAL FUND ADVISORS LP

$57.42M+3.4%

VANGUARD CAPITAL MANAGEMENT LLC

$53.91M+0.8%

AMERICAN CENTURY COMPANIES INC

$39.00M+34.3%

GEODE CAPITAL MANAGEMENT, LLC

$35.03M+6.4%

MORGAN STANLEY

$15.76M-0.3%

NORTHERN TRUST CORP

$13.89M+7.1%

ADAGE CAPITAL PARTNERS GP, L.L.C.

$13.12M+22.3%

CHARLES SCHWAB INVESTMENT MANAGEMENT INC

$12.24M+2.6%

Bank of New York Mellon Corp

$11.46M+1.7%

Cornell Pochily Investment Advisors, Inc.

$11.15M-3.2%

AQR CAPITAL MANAGEMENT LLC

$9.24M+29.4%

Hillsdale Investment Management Inc.

$8.92M+1.4%

Invesco Ltd.

$8.58M+18.8%

VANGUARD FIDUCIARY TRUST CO

$8.00M+4.2%

ProShare Advisors LLC

$7.09M-11.3%

JOHN G ULLMAN & ASSOCIATES INC

$6.42M-1.3%

PRINCIPAL FINANCIAL GROUP INC

$5.78M-0.3%

GOLDMAN SACHS GROUP INC

$5.66M-35.1%

BANK OF AMERICA CORP /DE/

$5.64M+4.5%

FIRST TRUST ADVISORS LP

$5.22M+789.7%

TWO SIGMA INVESTMENTS, LP

$4.64M+99.7%

See all 223 institutional holders →

What's Driving TMP's Business? Latest 10-Q Breakdown

23/23 datapoints verified

AI-extracted from the 10-Q filed 2026-07-31 — Q2 2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Net income of $29.3M (+36% YoY) driven by 23% growth in net interest income to $74.0M as NIM expanded to 3.58% from 3.08%.

Biggest Revenue Drivers

Interest income on loans$90.1M+9.5% YoY

Growth in average loan balances up 6.5% YoY to $6.5B, combined with higher yields.

Interest income on securities$15.2M+43.6% YoY

Portfolio reinvestment at higher yields; average yield up 101 bps YoY to 3.52%.

Biggest Revenue Drivers

Total revenue: $105.9M+13.1% YoY

Interest income on loans$90.1M+9.5% YoY

Growth in average loan balances up 6.5% YoY to $6.5B, combined with higher yields.

Interest income on securities$15.2M+43.6% YoY

Portfolio reinvestment at higher yields; average yield up 101 bps YoY to 3.52%.

Wealth management fees$5.2M+5.3% YoY

Trust, financial planning, and wealth management services under Tompkins Financial Advisors.

Service charges and card services income$5.1M+1.7% YoY

Card services income and deposit account service charges.

Largest Expense Items

Interest expense$32.0M-4.7% YoY

Lower rates paid on deposits (2.07% vs 2.24% YoY) partially offset by higher interest-bearing deposit balances.

Salaries and wages$23.0M-13.0% YoY

Reduction due to sale of insurance subsidiary TIA in Oct 2025; prior year included $6.2M in TIA wages.

Other employee benefits$5.9M-18.0% YoY

Lower benefits from TIA sale, partially offset by annual increases.

Other operating expense$12.9MFlat YoY

Includes technology, occupancy, and furniture/fixtures expenses.

Margins: Net interest margin improved to 3.58% in Q2 2026 from 3.08% in Q2 2025, driven by 101 bps increase in average earning asset yields from portfolio repositioning and lower average cost of deposits. The margin held steady at 3.58% QoQ despite seasonal municipal deposit outflows requiring higher borrowing costs.

Watch Items from the Filing

Nonperforming loans increased 4.6% to $52.4M since year-end 2025, driven by two commercial relationships totaling $4.2M; nonperforming assets at 0.60% of total assets.
Provision for credit losses decreased to $1.5M from $2.8M YoY due to improved economic forecasts for unemployment and GDP; allowance coverage of nonperforming loans declined to 111.3% from 120.3% year-end.
Insurance subsidiary TIA sold Oct 31, 2025 to Gallagher; noninterest income down 41.7% due to loss of $9.6M in quarterly insurance commissions.
Interest rate risk within policy: 200 bps rate increase would decrease NIM by 1.8%; 200 bps decrease would increase NIM by 1.2% over one year.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →

Key Metrics

Revenue

Q2 2026

EDGAR

Net Income

Q2 2026

EDGAR

EPS (Diluted)

Q2 2026

EDGAR

Operating Margin

Q2 2026

EDGAR

ROIC

Q2 2026

EDGAR

Free Cash Flow

Q2 2026

EDGAR

Financial Trends

Revenue & Net Income

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Earnings Per Share

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TOMPKINS FINANCIAL CORP reported revenue, net income and margins by fiscal period, from SEC filings.
Period	Form	Revenue	Net income	Op. marginOperating margin
FY 2025	10-K	$446.6M	$161.1M	50.3%
FY 2024	10-K	$299.2M	$70.8M	31.1%
FY 2023	10-K	$219.8M	$9.5M	5.5%
FY 2022	10-K	$308.3M	$85.0M	35.6%
FY 2021	10-K	$302.6M	$89.3M	37.9%
FY 2020	10-K	$299.2M	$77.6M	32.6%

About TOMPKINS FINANCIAL CORP (TMP): stock profile, AI score and financials

TOMPKINS FINANCIAL CORP (TMP) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores TMP at 69.0/100 on a composite quality score built from its SEC filings, placing it at rank #277 of 2,925 stocks — the top 10% of the AI-ranked universe. TMP scores in the top quartile across profitability (96.2), revenue growth (91.3). Areas of concern include earnings quality (15.7) and revenue scale (35.4), which score below median versus the broader universe. Shareholder dilution risk is elevated at 25.5/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), TOMPKINS FINANCIAL CORP reports quarterly revenue of $87.1M, net income of $29.3M, an operating margin of 44.3%. Top institutional holders of TMP by reported 13-F value include BlackRock, STATE STREET, TOMPKINS FINANCIAL, based on the most recent SEC filings. TMP trades on the NYSE exchange and files with the SEC under CIK 1005817. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate TMP daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for TOMPKINS FINANCIAL CORP directly from SEC EDGAR.

Financials through the period ended Jun 30, 2026SEC EDGAR: CIK 1005817 →

TOMPKINS FINANCIAL CORP TMP

Top Institutional Holders

What's Driving TMP's Business? Latest 10-Q Breakdown

Biggest Revenue Drivers

Biggest Revenue Drivers

Largest Expense Items

Watch Items from the Filing

Key Metrics

Financial Trends

Revenue & Net Income

Earnings Per Share

TMP key financials by period

TMP insiders

About TOMPKINS FINANCIAL CORP (TMP): stock profile, AI score and financials

TOMPKINS FINANCIAL CORP TMP

Top Institutional Holders

What's Driving TMP's Business? Latest 10-Q Breakdown

Biggest Revenue Drivers

Key Metrics

Financial Trends

Revenue & Net Income

Earnings Per Share

TMP key financials by period

Companies similar to TMP

TMP insiders

About TOMPKINS FINANCIAL CORP (TMP): stock profile, AI score and financials