10-K · February 26, 2026
Tompkins Financial positions itself as a community-focused regional bank emphasizing responsible, sustainable growth (organic and targeted acquisitions), digital delivery and investments in automation, analytics and…
Earnings analysis · 10-Q
TMP earnings analysis
Filed May 5, 2026 · Our reading of the company's report
The latest report
Tompkins Financial Corporation reported Q1 2026 results with a revenue of $83,695,000, surpassing the estimate of $83,513,600, and an EPS of $1.82 compared to an estimate of $1.75. Net income reached $26.1 million,…
Read full summary
Tompkins Financial Corporation reported Q1 2026 results with a revenue of $83,695,000, surpassing the estimate of $83,513,600, and an EPS of $1.82 compared to an estimate of $1.75. Net income reached $26.1 million, reflecting a year-over-year increase driven primarily by higher net interest income and lower provision expenses.
Gross and operating margin
How much of each revenue dollar the business keeps.
One point per quarterly or annual filing. Both margins are shares of that report's revenue.
How we read each report
Our analysis across the last few reports.
Our model's reading of each filing, not the share price or the market's reaction. Annual and quarterly reports each occupy one position.
Reported figures
- Earnings per share
- $1.82
- Segment
- Banking
- Segment
- Wealth Management
What stood out
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Revenue Beat
Reported revenue was $83.7 million, slightly above the estimate of $83.5 million.
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EPS Beat
Diluted EPS of $1.82, exceeding the estimate of $1.75 by 4%.
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Record Net Income Growth
Net income increased to $26.1 million from $19.7 million YoY, marking a 32% growth.
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Strong Net Interest Income
Net interest income grew by $15.2 million, or 26.8%, to $71.9 million compared to Q1 2025.
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Improved Return Metrics
Return on assets rose to 1.23% from 0.99% YoY.
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Effective Cost Control
Noninterest expense decreased by 5.7% YoY to $47.7 million.
What to watch
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Decrease in Noninterest Income
Noninterest income fell by 52.7% to $11.8 million due to the insurance subsidiary sale.
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Increased Nonperforming Loans
Nonperforming loans as a percentage of total loans rose to 0.79%, up from 0.74% at year-end.
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Regulatory Risks
The banking sector faces stricter regulations affecting financial operational resilience.
Management's outlook
Management did not provide specific numeric guidance in the reported 10-Q.
Earlier filings 4
10-K · February 28, 2025
Tompkins Financial positions itself as a community-oriented regional financial services franchise focused on responsible, sustainable growth through organic initiatives, targeted acquisitions, and investments in digital…
10-Q · November 6, 2024
Tompkins Financial reported a strong Q3 (period ended 9/30/2024) with total revenue of $76,578,000 (net interest income $53,193,000 + noninterest income $23,385,000) and diluted EPS of $1.30. The quarter reflects a…
10-Q · August 8, 2024
Tompkins Financial reported second-quarter total revenue of $72,729,000 and diluted EPS of $1.10, beating consensus. Revenue rose 12.7% year-over-year and net income attributable to the company increased to $15,682,000…
This is our reading of a public filing, not the filing itself. Analysis can contain errors; check the source document for full context.