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Tompkins Financial

Community banking wealth and insurance

Overview

Tompkins Financial is a financial holding company for community banking, wealth-management, and insurance businesses. Local relationship teams operate with shared risk, technology, finance, compliance, and corporate capabilities. Its regional affiliates provide deposit, lending, investment, trust, planning, and insurance services to households and organizations. The profile is Tompkins Financial and its affiliated operating companies in New York and Pennsylvania. Roles span branch banking, lending, wealth, insurance, operations, technology, risk, and professional support.

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About Tompkins Financial

Simplify's Rating
Why Tompkins Financial is rated
B-
Rated B on Competitive Edge
Rated B on Growth Potential
Rated C on Differentiation

Industries

Financial Services

Company Size

1-10

Company Stage

IPO

Headquarters

Ithaca, NY

Founded

1836

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What believers are saying

  • Q2 2026 EPS reached $2.04, up 36% year over year, beating estimates.
  • Net interest margin hit 3.58% in Q2 2026, up 50 basis points year over year.
  • The board raised the quarterly dividend to $0.70, signaling confidence after strong capital ratios.

What critics are saying

  • Tompkins sold TIA to Gallagher in 2025, removing a durable fee income stream.
  • Q2 2026 net charge-offs rose to $1.6 million, after 2025 CRE charge-offs hit $7.4 million.
  • John McKenna's 2026 retirement hands Phil Quintana a tougher credit and growth turnaround.

What makes Tompkins Financial unique

  • Founded in 1836, Tompkins runs a relationship-driven community bank across New York and Pennsylvania.
  • Tompkins combines banking, wealth management, and insurance expertise, even after Gallagher sold TIA.
  • Local decision-making at Tompkins Community Bank supports faster credit and service responses than national banks.

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Benefits

  • Health Insurance
  • Dental Insurance
  • Vision Insurance
  • 401(k) Company Match
  • Profit Sharing
  • Paid Time Off
  • Paid Holidays
  • Tuition Reimbursement
  • Employee Referrals

Stock Price

Company News

Yahoo Finance
Oct 25th, 2026
Tompkins Financial Q3 profit jumps 21% to $28.7M as net interest margin widens to 3.65%

Tompkins Financial reported third-quarter 2026 net income of $28.654 million, up about 21% from $23.673 million a year earlier. Basic earnings per share rose to $2.01 from $1.66. Revenue edged up to $86.841 million from $84.952 million. Net interest margin widened to 3.65% from 3.20%. The board approved a higher quarterly dividend. Shares rose about 0.4% to just above $101, giving the regional bank a trailing price-to-earnings ratio near 8x and a 40.2% net profit margin over the past year. Capital ratios are comfortably above regulatory floors.

Citybiz
Oct 23rd, 2026
Tompkins Financial reports 21% increase in third-quarter net income to $28.7 million.

Tompkins Financial reports 21% increase in third-quarter net income to $28.7 million. October 23, 2026 Tompkins Financial Corporation (NYSE American: TMP), an Ithaca, New York-based banking and financial services company, reported third-quarter 2026 net income of $28.7 million, a 21% increase from the same period last year, driven by loan growth and improved net interest margins. Diluted earnings per share rose 21.2% to $2.00, compared with $1.65 in the third quarter of 2025. Net income declined 2.2% from $29.4 million in the second quarter of 2026. For the first nine months of 2026, net income increased 29.6% to $84 million, compared with $64.8 million a year earlier. Diluted earnings per share rose to $5.86 from $4.52. Net interest income totaled $77.3 million in the third quarter, increasing 21% year over year and 4.5% from the previous quarter. The company's net interest margin expanded to 3.65%, up from 3.20% a year earlier and 3.58% in the second quarter. The improvement reflected growth in average loan balances, higher yields on interest-earning assets and lower funding costs compared with the prior year. "We are pleased to report strong financial results for the third quarter," said Stephen Romaine, President and CEO of Tompkins Financial Corporation. "Our consistent levels of loan and deposit growth along with further expansion in net interest margin continue to provide momentum as we look forward." Total loans increased $436.9 million, or 6.9%, from September 2025, with growth primarily driven by commercial real estate and commercial and industrial lending. Total deposits reached $7.4 billion at September 30, increasing $356 million, or 5%, year over year. Deposits also rose $379.9 million, or 5.4%, from the end of the second quarter. Noninterest income declined 46.7% to $12.6 million, primarily reflecting the sale of Tompkins Insurance Agencies in the fourth quarter of 2025. The company reported increases in wealth management fees, deposit service charges and card service income that partially offset the decline. Noninterest expenses decreased 8.8% to $49.1 million, also largely reflecting the insurance subsidiary's divestiture. The provision for credit losses increased to $3 million from $2.5 million a year earlier. Nonperforming assets totaled $53.8 million, representing 0.60% of total assets at quarter-end. Tompkins reported a total capital-to-risk-weighted-assets ratio of 14.89%, compared with 13.27% a year earlier. The company maintained access to approximately $1.5 billion in liquidity, equivalent to 17.1% of total assets. During the quarter, Tompkins repurchased 18,118 common shares for approximately $1.8 million. Year-to-date repurchases totaled 53,636 shares at an aggregate cost of $4.5 million. The company also approved a dividend increase payable in the fourth quarter of 2026, representing a 13.8% increase from the dividend paid in the fourth quarter of 2025. Headquartered in Ithaca, Tompkins Financial operates through Tompkins Bank & Trust, serving customers across Central, Western and Hudson Valley New York and southeastern Pennsylvania. The company also provides investment management, trust, estate and financial planning services through Tompkins Financial Advisors.

Business Wire
Oct 23rd, 2026
Tompkins Financial Q3 net income rises 21% to $28.7M, dividend up 13.8%

Tompkins Financial Corporation reported third-quarter 2026 net income of $28.7 million, up 21.0% from a year earlier. Diluted earnings per share rose 21.2% to $2.00, though they fell 2.0% from the second quarter. Net interest income climbed 21.0% to $77.3 million, helped by a wider net interest margin of 3.65% and loan growth. Total loans rose 6.9% year on year, and deposits grew 5.0% to $7.4 billion. Noninterest income fell 46.7% to $12.6 million after the company sold its insurance subsidiary in the fourth quarter of 2025. Noninterest expense dropped 8.8% to $49.1 million. Chief executive officer Stephen Romaine said the bank approved a dividend increase of 13.8% over the fourth quarter of 2025, payable in the fourth quarter of 2026.

MarketBeat
Jul 27th, 2026
Tompkins Financial (NYSEAMERICAN:TMP) shares gap up on better-than-expected earnings.

Tompkins Financial (NYSEAMERICAN:TMP) shares gap up on better-than-expected earnings. July 27, 2026 Key points. * Tompkins Financial shares jumped after the company reported quarterly earnings of $2.04 per share, exceeding analysts' $1.82 estimate, while revenue of $87.12 million slightly topped expectations. * The company increased its quarterly dividend from $0.67 to $0.70 per share, implying an annualized dividend of $2.80 and a 2.8% yield. * Analysts maintained a consensus "Hold" rating with an $87 target price, below the stock's post-earnings trading level near $101; institutional investors own 69.11% of the shares. * Five stocks to consider instead of Tompkins Financial. Tompkins Financial Corporation (NYSEAMERICAN:TMP - Get Free Report) shares gapped up prior to trading on Monday following a better than expected earnings announcement. The stock had previously closed at $92.65, but opened at $101.63. Tompkins Financial shares last traded at $100.87, with a volume of 37,596 shares. The financial services provider reported $2.04 earnings per share for the quarter, beating analysts' consensus estimates of $1.82 by $0.22. Tompkins Financial had a return on equity of 11.74% and a net margin of 30.13%.The firm had revenue of $87.12 million for the quarter, compared to the consensus estimate of $86.93 million. Tompkins Financial increases dividend. The firm also recently disclosed a quarterly dividend, which will be paid on Friday, August 14th. Investors of record on Friday, August 7th will be given a dividend of $0.70 per share. The ex-dividend date is Friday, August 7th. This represents a $2.80 annualized dividend and a dividend yield of 2.8%. This is an increase from Tompkins Financial's previous quarterly dividend of $0.67. Tompkins Financial's dividend payout ratio is currently 54.14%. Analyst ratings changes. Separately, Piper Sandler reiterated a "neutral" rating and issued a $87.00 target price (up from $82.00) on shares of Tompkins Financial in a research report on Tuesday, April 28th. Two equities research analysts have rated the stock with a Hold rating, According to MarketBeat.com, the company has a consensus rating of "Hold" and a consensus target price of $87.00. Insider buying and selling at Tompkins Financial. In related news, Director Ita M. Rahilly purchased 1,164 shares of the stock in a transaction dated Tuesday, May 26th. The stock was bought at an average cost of $85.90 per share, for a total transaction of $99,987.60. Following the completion of the acquisition, the director owned 11,849 shares of the company's stock, valued at approximately $1,017,829.10. This represents a 10.89% increase in their ownership of the stock. The transaction was disclosed in a filing with the Securities & Exchange Commission, which is available through the SEC website. Insiders own 2.52% of the company's stock. Institutional investors weigh in on Tompkins Financial. A number of hedge funds and other institutional investors have recently bought and sold shares of the company. Chicago Partners Investment Group LLC boosted its stake in shares of Tompkins Financial by 1.2% during the first quarter. Chicago Partners Investment Group LLC now owns 11,697 shares of the financial services provider's stock valued at $978,000 after purchasing an additional 133 shares in the last quarter. Millennium Management LLC increased its stake in shares of Tompkins Financial by 1.1% in the fourth quarter. Millennium Management LLC now owns 16,863 shares of the financial services provider's stock valued at $1,223,000 after buying an additional 183 shares during the period. WINTON GROUP Ltd raised its holdings in Tompkins Financial by 1.1% in the 4th quarter. WINTON GROUP Ltd now owns 19,263 shares of the financial services provider's stock valued at $1,397,000 after buying an additional 206 shares during the last quarter. Illinois Municipal Retirement Fund raised its holdings in Tompkins Financial by 4.3% in the 1st quarter. Illinois Municipal Retirement Fund now owns 6,750 shares of the financial services provider's stock valued at $532,000 after buying an additional 279 shares during the last quarter. Finally, MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. boosted its position in Tompkins Financial by 4.3% during the 1st quarter. MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. now owns 7,556 shares of the financial services provider's stock worth $476,000 after buying an additional 311 shares during the period. Institutional investors own 69.11% of the company's stock. Tompkins Financial trading down 0.1%. The company has a current ratio of 0.94, a quick ratio of 0.94 and a debt-to-equity ratio of 0.47. The firm has a market capitalization of $1.45 billion, a price-to-earnings ratio of 8.28 and a beta of 0.74. The firm's 50-day moving average is $90.45 and its 200 day moving average is $83.60. Tompkins Financial company profile. Tompkins Financial NYSEAMERICAN: TMP is a bank holding company headquartered in Ithaca, New York, that provides a diversified range of financial services. Through its principal banking subsidiary, Tompkins Trust Company, the firm offers commercial and consumer banking products including checking and savings accounts, mortgage loans, and credit facilities. Beyond traditional banking, Tompkins Financial delivers asset management, trust and estate planning, retirement services and investment advisory solutions. In addition to its core banking operations, Tompkins Financial operates Tompkins Insurance Agencies, which offers property and casualty, life and health insurance coverages to individuals and businesses. This instant news alert was generated by narrative science technology and financial data from MarketBeat in order to provide readers with the fastest reporting and unbiased coverage. Please send any questions or comments about this story to [email protected]. Before you consider Tompkins Financial, you'll want to hear this. MarketBeat keeps track of Wall Street's top-rated and best performing research analysts and the stocks they recommend to their clients on a daily basis. MarketBeat has identified the five stocks that top analysts are quietly whispering to their clients to buy now before the broader market catches on... and Tompkins Financial wasn't on the list. While Tompkins Financial currently has a Hold rating among analysts, top-rated analysts believe these five stocks are better buys. Robotics and automation are rapidly becoming essential infrastructure across healthcare, manufacturing, logistics, and many other industries. 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MarketBeat
Jul 18th, 2026
John G Ullman & Associates Inc. reduces position in Tompkins Financial Corporation $TMP.

John G Ullman & Associates Inc. reduces position in Tompkins Financial Corporation $TMP. July 18, 2026 Key points. * John G Ullman & Associates cut its Tompkins Financial stake by 17.5% in the first quarter, selling 14,551 shares and ending with 68,792 shares valued at about $5.42 million. * Tompkins Financial reported better-than-expected quarterly results, with EPS of $1.82 versus the $1.71 estimate, while revenue of $83.69 million was essentially in line with expectations. * The company also declared a quarterly dividend of $0.67 per share, which annualizes to $2.68 and implies a yield of about 2.8% at the time of the report. * MarketBeat previews top five stocks to own in August. John G Ullman & Associates Inc. decreased its holdings in Tompkins Financial Corporation (NYSEAMERICAN:TMP - Free Report) by 17.5% in the first quarter, according to the company in its most recent filing with the Securities and Exchange Commission. The fund owned 68,792 shares of the financial services provider's stock after selling 14,551 shares during the period. John G Ullman & Associates Inc. owned approximately 0.48% of Tompkins Financial worth $5,424,000 at the end of the most recent quarter. A number of other institutional investors have also bought and sold shares of the business. Chicago Partners Investment Group LLC grew its position in shares of Tompkins Financial by 1.2% in the first quarter. Chicago Partners Investment Group LLC now owns 11,697 shares of the financial services provider's stock valued at $978,000 after purchasing an additional 133 shares in the last quarter. Millennium Management LLC lifted its position in Tompkins Financial by 1.1% during the fourth quarter. Millennium Management LLC now owns 16,863 shares of the financial services provider's stock worth $1,223,000 after buying an additional 183 shares in the last quarter. WINTON GROUP Ltd boosted its stake in Tompkins Financial by 1.1% during the fourth quarter. WINTON GROUP Ltd now owns 19,263 shares of the financial services provider's stock worth $1,397,000 after buying an additional 206 shares during the last quarter. Illinois Municipal Retirement Fund boosted its stake in Tompkins Financial by 4.3% during the first quarter. Illinois Municipal Retirement Fund now owns 6,750 shares of the financial services provider's stock worth $532,000 after buying an additional 279 shares during the last quarter. Finally, MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. grew its holdings in Tompkins Financial by 4.3% in the 1st quarter. MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. now owns 7,556 shares of the financial services provider's stock valued at $476,000 after buying an additional 311 shares in the last quarter. 69.11% of the stock is owned by hedge funds and other institutional investors. Analyst ratings changes. Separately, Piper Sandler reaffirmed a "neutral" rating and issued a $87.00 target price (up from $82.00) on shares of Tompkins Financial in a research note on Tuesday, April 28th. Two analysts have rated the stock with a Hold rating, According to MarketBeat, the company presently has an average rating of "Hold" and an average target price of $87.00. Discover more Cryptocurrency market updates Financial News Stock market insights Insider buying and selling. In other Tompkins Financial news, Director Ita M. Rahilly purchased 1,164 shares of the firm's stock in a transaction dated Tuesday, May 26th. The shares were acquired at an average price of $85.90 per share, with a total value of $99,987.60. Following the purchase, the director directly owned 11,849 shares in the company, valued at approximately $1,017,829.10. This trade represents a 10.89% increase in their position. The purchase was disclosed in a document filed with the SEC, which is available at the SEC website. 2.52% of the stock is owned by corporate insiders. Tompkins Financial stock performance. Tompkins Financial stock opened at $94.04 on Friday. The firm has a 50 day simple moving average of $89.27 and a 200-day simple moving average of $82.76. Tompkins Financial Corporation has a 1-year low of $61.21 and a 1-year high of $97.12. The company has a debt-to-equity ratio of 0.47, a current ratio of 0.94 and a quick ratio of 0.94. The stock has a market cap of $1.35 billion, a price-to-earnings ratio of 8.06 and a beta of 0.74. Tompkins Financial (NYSEAMERICAN:TMP - Get Free Report) last released its quarterly earnings results on Friday, April 24th. The financial services provider reported $1.82 EPS for the quarter, beating the consensus estimate of $1.71 by $0.11. Tompkins Financial had a net margin of 28.93% and a return on equity of 11.27%. The firm had revenue of $83.69 million for the quarter, compared to analyst estimates of $83.64 million. On average, analysts expect that Tompkins Financial Corporation will post 7.55 EPS for the current year. Tompkins Financial announces dividend. The firm also recently announced a quarterly dividend, which was paid on Friday, May 15th. Shareholders of record on Friday, May 8th were given a $0.67 dividend. The ex-dividend date was Friday, May 8th. This represents a $2.68 dividend on an annualized basis and a yield of 2.8%. Tompkins Financial's payout ratio is currently 54.14%. Tompkins Financial company profile. Tompkins Financial NYSEAMERICAN: TMP is a bank holding company headquartered in Ithaca, New York, that provides a diversified range of financial services. Through its principal banking subsidiary, Tompkins Trust Company, the firm offers commercial and consumer banking products including checking and savings accounts, mortgage loans, and credit facilities. Beyond traditional banking, Tompkins Financial delivers asset management, trust and estate planning, retirement services and investment advisory solutions. In addition to its core banking operations, Tompkins Financial operates Tompkins Insurance Agencies, which offers property and casualty, life and health insurance coverages to individuals and businesses. This instant news alert was generated by narrative science technology and financial data from MarketBeat in order to provide readers with the fastest reporting and unbiased coverage. Please send any questions or comments about this story to [email protected]. Before you consider Tompkins Financial, you'll want to hear this. MarketBeat keeps track of Wall Street's top-rated and best performing research analysts and the stocks they recommend to their clients on a daily basis. MarketBeat has identified the five stocks that top analysts are quietly whispering to their clients to buy now before the broader market catches on... and Tompkins Financial wasn't on the list. While Tompkins Financial currently has a Hold rating among analysts, top-rated analysts believe these five stocks are better buys. MarketBeat just released its list of the 7 hottest IPOs expected to hit Wall Street in 2026. See which companies are preparing to go public and why investors are watching closely.

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