What is the 13F Pro Quality Score for TMP?

13F Pro ranks TOMPKINS FINANCIAL CORP (TMP) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View TMP's current score at https://13fpro.ai/company/TMP (free sign-up required for the full ranking).

Which hedge funds own the most TMP stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of TMP include BlackRock,, STATE STREET, TOMPKINS FINANCIAL. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/company/TMP as soon as new 13F filings post.

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.

What sector is TMP in?

TOMPKINS FINANCIAL CORP (TMP) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives TMP's revenue?

Per TOMPKINS FINANCIAL CORP's latest 10-Q filed with the SEC on 2026-07-31, the biggest revenue drivers are: Interest income on loans ($90.1M, +9.5% YoY); Interest income on securities ($15.2M, +43.6% YoY); Wealth management fees ($5.2M, +5.3% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/TMP.

What are TMP's largest expenses?

TOMPKINS FINANCIAL CORP's latest 10-Q reports these as the largest expense items: Interest expense ($32.0M, -4.7% YoY); Salaries and wages ($23.0M, -13.0% YoY); Other employee benefits ($5.9M, -18.0% YoY). Sourced directly from SEC EDGAR filing text for Q2 2026 (quarter ended June 30, 2026).

How often is TMP research updated on 13F Pro?

TMP's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

TOMPKINS FINANCIAL CORP(TMP)Stock Analysis

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13F Pro Quality Score

69.3/100

Rank #277 of 2,961 stocksTOP 10%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

91.6/100

Profitability

96.5/100

Balance Sheet

53.3/100

Earnings Quality

17.2/100

Free Cash Flow

56.3/100

Institutional Flow

44.6/100

Revenue Scale

35.4/100

Dilution Risk

26.1/100

Email me the moment this company reports earnings

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Why TMP Scores 69/100

exact factor attribution · 2026-09-11

TMP's composite is driven by revenue growth and profitability, held back by earnings quality and scale. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Revenue growth

+11.1 pts

92th pct

Profitability

+9.3 pts

97th pct

Earnings growth

+3.3 pts

100th pct

Free cash flow

+0.9 pts

56th pct

Capital efficiency

+0.4 pts

53th pct

Institutional flow

-0.4 pts

45th pct

Shareholder dilution

-1.6 pts

26th pct

Scale

-2.9 pts

35th pct

Earnings quality

-3.3 pts

17th pct

Latest change (2026-07-31): 62 → 49 · ↓ Free cash flow 97→24; ↓ Revenue growth 49→38

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

Unusual Activity in TMP

Events flagged as statistical outliers against TMP's own multi-year baseline — not fixed dollar thresholds.

Score shock2026-07-31
TMP quality score dropped 13 points (62→49) on a new filing
View source filing →

TMP Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for TOMPKINS FINANCIAL CORP (TMP), 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 #277 of 2,961 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. TOMPKINS FINANCIAL CORP's 13F Pro composite quality score has ranged between 45 and 69 since 2021, currently 69.3 — an improving long-term trajectory across 68 quarterly and live scoring snapshots.

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

✓ 23/23 datapoints verified

AI-extracted from TOMPKINS FINANCIAL CORP's 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 →Share on X

Revenue

Q2 2026

$87.1M

Net Income

Q2 2026

$29.3M

Free Cash Flow

Q2 2026

$-17.1M

ROIC

Q2 2026

16.1%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+49.3% YoY

$446.6MFY 2025

FY22 $308.3MFY23 $75.0MFY24 $299.2MFY25 $446.6M

Net Income

+127.3% YoY

$161.1MFY 2025

FY22 $85.0MFY23 $9.5MFY24 $70.8MFY25 $161.1M

EPS (Diluted)

+126.2% YoY

$11.24FY 2025

FY22 $5.89FY23 $0.66FY24 $4.97FY25 $11.24

Total Assets

+6.9% YoY

$8.67BFY 2025

FY22 $7.67BFY23 $7.82BFY24 $8.11BFY25 $8.67B

Op. Cash Flow

-59.1% YoY

$38.9MFY 2025

FY22 $103.3MFY23 $89.0MFY24 $95.0MFY25 $38.9M

Free Cash Flow

-64.0% YoY

$31.9MFY 2025

FY22 $95.2MFY23 $82.2MFY24 $88.8MFY25 $31.9M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$446.6M +49.3%	$299.2M +298.8%	$75.0M -75.7%	$308.3M +1.9%	$302.6M +1.2%	$299.2M
Net Income	$161.1M +127.3%	$70.8M +645.4%	$9.5M -88.8%	$85.0M -4.7%	$89.3M +15.0%	$77.6M
EPS (Diluted)	$11.24 +126.2%	$4.97 +653.0%	$0.66 -88.8%	$5.89 -2.6%	$6.05 +16.3%	$5.20
Total Assets	$8.67B +6.9%	$8.11B +3.7%	$7.82B +1.9%	$7.67B -1.9%	$7.82B +2.6%	$7.62B
Operating Cash Flow	$38.9M -59.1%	$95.0M +6.7%	$89.0M -13.9%	$103.3M -14.7%	$121.2M +19.5%	$101.4M
Free Cash Flow	$31.9M -64.0%	$88.8M +7.9%	$82.2M -13.6%	$95.2M -18.3%	$116.4M +20.2%	$96.8M

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Available Research

13F Pro tracks comprehensive data for TOMPKINS FINANCIAL CORP including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of TMP

BlackRock, Inc.
$193.7M2,049,724 sh
STATE STREET CORP
$114.2M1,207,855 sh
TOMPKINS FINANCIAL CORP
$105.6M1,117,319 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$72.5M767,435 sh
DIMENSIONAL FUND ADVISORS LP
$57.4M607,495 sh
VANGUARD CAPITAL MANAGEMENT LLC
$53.9M570,388 sh
AMERICAN CENTURY COMPANIES INC
$39.0M412,614 sh
GEODE CAPITAL MANAGEMENT, LLC
$35.0M370,542 sh
MORGAN STANLEY
$15.8M166,711 sh
NORTHERN TRUST CORP
$13.9M146,925 sh

Fund	Value	Shares
BlackRock, Inc.	$193.7M	2,049,724
STATE STREET CORP	$114.2M	1,207,855
TOMPKINS FINANCIAL CORP	$105.6M	1,117,319
VANGUARD PORTFOLIO MANAGEMENT LLC	$72.5M	767,435
DIMENSIONAL FUND ADVISORS LP	$57.4M	607,495
VANGUARD CAPITAL MANAGEMENT LLC	$53.9M	570,388
AMERICAN CENTURY COMPANIES INC	$39.0M	412,614
GEODE CAPITAL MANAGEMENT, LLC	$35.0M	370,542
MORGAN STANLEY	$15.8M	166,711
NORTHERN TRUST CORP	$13.9M	146,925

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Is TMP a good stock to buy?

13F Pro's AI-powered analysis of TOMPKINS FINANCIAL CORP (TMP) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for TMP are available on the TMP stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. TMP is classified as a small company.

Which hedge funds own TMP?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling TMP. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of TOMPKINS FINANCIAL CORP's investment landscape.