TOMPKINS FINANCIAL CORP(TMP)— Stock Profile, AI Score & Financials
Financials · NYSE · AI-powered stock analysis, 32-signal quality score, SEC EDGAR financials, and institutional holdings. Updated .
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 69.3/100 on a 32-signal composite quality model, placing it at rank #274 of 2,960 stocks — the top 10% of the AI-ranked universe. TMP scores in the top quartile across profitability (96.5), revenue growth (91.6). Areas of concern include earnings quality (17.2) and revenue scale (35.4), which score below median versus the broader universe. Shareholder dilution risk is elevated at 26.1/100, 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, free cash flow of $-17.1M. 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.
AI Quality Score
69.3/100
AI Rank
#274
Revenue
$87.1M
Net Income
$29.3M
Free Cash Flow
$-17.1M
TMP key financials by period
TOMPKINS FINANCIAL CORP reported revenue, net income and margins by fiscal period, from SEC filings.
Period
Form
Revenue
Net income
Operating 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
$75.0M
$9.5M
16.2%
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%
Institutions holding TMP
Institutional investors reporting a position in TOMPKINS FINANCIAL CORP on SEC Form 13F.
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.
