TMP on NYSE

TOMPKINS FINANCIAL CORP

American state commercial bank, incorporated in New York, listed on NYSE (TMP). Summary from the record

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Last updated Oct 19, 2026.

Overview

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  • TickerTMP on NYSE1
  • IndustryState Commercial Banks1
  • HeadquartersIthaca, New York1
  • Incorporated inNY2
  • Business address118 E Seneca Street, P.O. Box 460, Ithaca, Ny 148502
  • Filer categoryLarge accelerated filer2

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The disclosures set forth in this Item 1. Business are qualified by the section captioned "Forward-Looking Statements" in Item 7. Management’s Discussion and Analysis of Financial Condition and Results of Operations of this Report and other cautionary statements set forth elsewhere in this Report.3 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2025

212.7%Net margin4
-4.5%Revenue growth, 20254
17.2%Return on equity4
$31.9MFree cash flow4

What sells

Revenue by product, business segment and region, as the company reports it to the SEC.

Products and services

Insurance Revenues brought in 47% of the revenue TOMPKINS FINANCIAL CORP broke down this way in fiscal 2025.

  1. Insurance Revenues$35.6M447%down 9% from 2024
  2. Investment Service Income$20.1M427%up 3% from 2024
  3. Card Services Income$11.5M415%down 5% from 2024
  4. Service Charges on Deposit Accounts$7.3M410%down 0% from 2024
  5. Other Non Interest Income$1.3M42%up 0% from 2024
Products and services by year
Products and services202320242025
Insurance Revenues$37.4M$39.1M$35.6M
Investment Service Income$18.0M$19.6M$20.1M
Card Services Income$11.5M$12.1M$11.5M
Service Charges on Deposit Accounts$6.9M$7.3M$7.3M
Other Non Interest Income$1.3M$1.3M$1.3M

Where the money goes

Where each dollar of revenue went, fiscal 2025

  • Income tax28¢$63.8M
  • Profit72¢$161.1M

Out of $75.7M in revenue.4

Where each dollar of operating cash went, fiscal 2025

  • Capital spending15¢$6.9M
  • Dividends paid81¢$36.1M
  • Share buybacks4¢$1.6M

Out of $38.9M of cash from operations. Spending exceeded cash from operations; the rest came from savings or borrowing.4

Financial statements

Revenue56784$75.7M in 2025+12% since 2019
0$20.0M$40.0M$60.0M$80.0M2019: $67.6M$67.6M20192020: $65.7M$65.7M2020−3%2021: $72.6M$72.6M2021+10%2022: $74.0M$74.0M2022+2%2023: $75.0M$75.0M2023+1%2024: $79.3M$79.3M2024+6%2025: $75.7M$75.7M2025−5%
Net income56784$161.1M in 2025+97% since 2019
0$50.0M$100.0M$150.0M$200.0M2019: $81.7M$81.7M20192020: $77.6M$77.6M2020−5%2021: $89.3M$89.3M2021+15%2022: $85.0M$85.0M2022−5%2023: $9.5M$9.5M2023−89%2024: $70.8M$70.8M2024+645%2025: $161.1M$161.1M2025+127%

Every line of the income statement as filed: the last 3 fiscal years, latest first.4

Period ending2025-12-312024-12-312023-12-31
Loans$334.6M$302.0M$260.4M
Due from banks$760.0K$741.0K$674.0K
Available-for-sale debt securities$39.3M$36.8M$29.7M
Held-to-maturity debt securities$4.9M$4.9M$4.9M
Federal Home Loan Bank and other stock$2.5M$3.2M$1.7M
Total Interest and Dividend Income$382.1M$347.6M$297.4M
Time certificates of deposits of $250,000 or more$17.2M$16.9M$11.4M
Other deposits$93.0M$87.1M$59.4M
Federal funds purchased and securities sold under agreements to repurchase$146.0K$46.0K$58.0K
Other borrowings$21.9M$32.4M$17.0M
Total Interest Expense$132.3M$136.5M$87.8M
Net Interest Income$249.7M$211.1M$209.5M
Less: Provision for credit loss expense$11.5M$6.6M$4.3M
Net Interest Income After Provision for Credit Loss Expense$238.2M$204.5M$205.2M
Insurance commissions and fees$35.6M$39.1M$37.4M
Wealth management fees$20.1M$19.6M$18.0M
Service charges on deposit accounts$7.3M$7.3M$6.9M
Card services income$11.5M$12.1M$11.5M
Gain on sale of TIA$188.2M$0$0
Other income$12.9M$10.1M$6.5M
Net gain (loss) on securities transactions-$78.7M$32.0K-$70.0M
Total Noninterest Income$196.9M$88.1M$10.2M
Salaries and wages$108.6M$101.2M$97.4M
Other employee benefits$27.0M$26.7M$27.3M
Net occupancy expense of premises$13.0M$12.6M$13.3M
Furniture and fixture expense$7.5M$7.7M$8.7M
Amortization of intangible assets$292.0K$332.0K$334.0K
Other operating expense$54.0M$51.2M$56.3M
Total Noninterest Expenses$210.2M$199.6M$203.3M
Income Before Income Tax Expense$224.9M$93.0M$12.1M
Income Tax Expense$63.8M$22.0M$2.5M
Net Income Attributable to Noncontrolling Interests and Tompkins Financial Corporation$161.1M$71.0M$9.6M
Less: Net Income Attributable to Noncontrolling Interests$0$123.0K$124.0K
Net Income Attributable to Tompkins Financial Corporation$161.1M$70.8M$9.5M
Basic Earnings Per Share (in dollars per share)$11.30$4.98$0.66
Diluted Earnings Per Share (in dollars per share)$11.24$4.97$0.66

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Leadership

Who has led TOMPKINS FINANCIAL CORP, and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. David S. Boyce2006
  2. Stephen E. Garner2006
  3. Stephen S. Romaine2006
  4. James J. Byrnes2006
  5. Gregory J. Hartz2007–2023
  6. Gerald J. Klein Jr.2008–2021
  7. Scott L. Gruber2014–2021
  8. David M. Demilia2021–2023

Chair

  1. James J. Byrnes2006–2010

President

  1. James W. Fulmer2006
  2. Stephen E. Garner2006
  3. Stephen S. Romaine2007–2022
  4. Ginger G. Kunkel2022–now

Chief financial officer

  1. Francis M. Fetsko2006–2023
  2. Matthew D. Tomazin2023–now

Chief operating officer

  1. Francis M. Fetsko2012–2023
  2. Scott L. Gruber2013–2014
2010201520202025
Board members and other officers (58)

Former names

  • TOMPKINS TRUSTCO INCMay 14, 1999 to Jun 5, 20072
  • TOMPKINS COUNTY TRUSTCO INCOct 23, 1996 to Jan 7, 19992

Timeline

  1. Jun 9, 2021New chief executive David M. Demilia becomes CEO12
  2. Nov 25, 2014New chief executive Scott L. Gruber becomes CEO13
  3. Feb 14, 2008New chief executive Gerald J. Klein Jr. becomes CEO14
  4. Aug 1, 2007New chief executive Gregory J. Hartz becomes CEO15
  5. Feb 13, 2006New chief executive James J. Byrnes becomes CEO19
  6. Jan 25, 2006New chief executive David S. Boyce becomes CEO16
  7. Jan 25, 2006New chief executive Stephen E. Garner becomes CEO17
  8. Jan 25, 2006New chief executive Stephen S. Romaine becomes CEO18

Filings

527 filings to the SEC since October 2021: 6 annual reports, 18 quarterly reports, 41 major events, 390 insider forms, 18 large holders, 54 other. The latest 20:

  1. Oct 6, 20264 PRIMARY DOCUMENT EDGAR
  2. Oct 5, 202613F-HR EDGAR
  3. Oct 5, 20264 PRIMARY DOCUMENT EDGAR
  4. Oct 5, 20264 PRIMARY DOCUMENT EDGAR
  5. Oct 5, 20264 PRIMARY DOCUMENT EDGAR
  6. Oct 5, 20264 PRIMARY DOCUMENT EDGAR
  7. Oct 5, 20264 PRIMARY DOCUMENT EDGAR
  8. Oct 2, 20264 PRIMARY DOCUMENT EDGAR
  9. Sep 4, 20264 PRIMARY DOCUMENT EDGAR
  10. Sep 1, 2026N-PX EDGAR
  11. Aug 10, 20264 PRIMARY DOCUMENT EDGAR
  12. Aug 5, 20264 PRIMARY DOCUMENT EDGAR
  13. Aug 3, 20264 PRIMARY DOCUMENT EDGAR
  14. Jul 31, 202610-Q EDGAR
  15. Jul 30, 20264 PRIMARY DOCUMENT EDGAR
  16. Jul 29, 20264 PRIMARY DOCUMENT EDGAR
  17. Jul 28, 20268-K EDGAR
  18. Jul 27, 2026S-3ASR EDGAR
  19. Jul 24, 20268-K EDGAR
  20. Jul 15, 202613F-HR EDGAR

The 527 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

19 open-market trades by officers, directors and large owners since October 2021: 13 buys and 6 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
May 26, 2026Rahilly Ita MDirectorBuy1,164$85.90$100.0KForm 4
Nov 21, 2025Rahilly Ita MDirectorBuy1,463$68.36$100.0KForm 4
Jan 7, 2025Lee Angela BDirectorBuy286$67.07$19.2KForm 4
Jan 7, 2025Johnson Patricia ADirectorBuy263$67.07$17.6KForm 4
Aug 29, 2024MCClurg John DDirectorBuy127$61.26$7.8KForm 4
Jul 11, 2024Mastin Stacie MSVP, Director of HRSale100$51.00$5.1KForm 4
May 16, 2024Coletti Janet M.DirectorBuy1,000$47.91$47.9KForm 4
Feb 20, 2024Rahilly Ita MDirectorBuy1,982$50.46$100.0KForm 4
May 17, 2023ALEXANDER JOHN EDirectorBuy2,500$53.82$134.6KForm 4
May 9, 2023WEBER ALFRED JDirectorBuy128$54.50$7.0KForm 4
Feb 28, 2023Rahilly Ita MDirectorBuy1,327$75.38$100.0KForm 4
Nov 4, 2022HARTZ GREGORY JEVP, Pres.&CEO Tompkins TrustSale1,574$82.26$129.5KForm 4
Aug 19, 2022FETSKO FRANCIS MEVP, COO, CFO & TreasurerSale805$77.90$62.7KForm 4
May 25, 2022Rahilly Ita MDirectorBuy1,355$73.81$100.0KForm 4
Nov 19, 2021HARTZ GREGORY JEVP, Pres.&CEO Tompkins TrustSale1,934$82.89$160.3KForm 4
Nov 11, 2021Rahilly Ita MDirectorBuy207$84.53$17.5KForm 4
Nov 9, 2021BOYCE DAVID SEVP, Pres. & CEO Tompkins Ins.Sale1,500$84.00$126.0KForm 4
Nov 4, 2021KLEIN GERALD J JREVP Pres&CEO Mahopac BankSale998$82.09$81.9KForm 4
Oct 11, 2021DeMilia David MEVP, Pres of TCB Hudson ValleyBuy1$82.64$100Form 4

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
BlackRock, Inc.2,049,724$193.7M0.0%+47,391
State Street Corp1,207,855$114.2M0.0%+21,501
Tompkins Financial Corp1,117,319$105.6M7.4%−2,024
Vanguard Portfolio Management LLC767,435$72.5M0.0%+13,436
Dimensional Fund Advisors LP607,495$57.4M0.0%+20,029
Vanguard Capital Management LLC570,388$53.9M0.0%+4,451
American Century Companies Inc412,614$39.0M0.0%+105,272
Geode Capital Management, LLC370,542$35.0M0.0%+22,229
Morgan Stanley166,711$15.8M0.0%−480
Northern Trust Corp146,925$13.9M0.0%+9,762
Adage Capital Partners Gp, L.l.c.138,848$13.1M0.0%+25,278
Charles Schwab Investment Management Inc129,450$12.2M0.0%+3,299
Bank of New York Mellon Corp121,234$11.5M0.0%+2,051
Cornell Pochily Investment Advisors, Inc.117,942$11.1M3.0%−3,886
Aqr Capital Management LLC97,778$9.2M0.0%+22,203
Hillsdale Investment Management Inc.94,400$8.9M0.2%+1,300
Invesco Ltd.90,725$8.6M0.0%+14,354
Vanguard Fiduciary Trust Co84,593$8.0M0.0%+3,446
ProShare Advisors LLC75,057$7.1M0.0%−9,584
John G Ullman & Associates Inc67,932$6.4M0.8%−860
Principal Financial Group Inc61,193$5.8M0.0%−199
Goldman Sachs Group Inc59,931$5.7M0.0%−32,479
Bank Of America Corp /de/59,626$5.6M0.0%+2,576
First Trust Advisors LP55,253$5.2M0.0%+49,043
Two Sigma Investments, LP49,109$4.6M0.0%+24,515

13F reports cover disclosed long positions in U.S. stocks only.

Sources

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