TMPNYSEState Commercial BanksFiscal year ends December 31
TOMPKINS FINANCIAL CORP
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Jul 31, 2026
$97.17−0.41 (-0.42%)
Close on Oct 19, 2026
- Market cap
- $1.39B
- P/E (TTM)
- 8.0
- Dividend yield
- 3.22%
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
212.7%+94.6 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | -4.5% | +0.8% | +2.9% | -10.9% | |
| Net income | +127.3% | +23.7% | +15.7% | +10.7% | |
| EPS, diluted | +126.2% | +24.0% | +16.7% | +11.3% | |
| Free cash flow | -64.0% | -30.5% | -19.9% | -8.4% | |
| Dividend per share | +28.3% | +10.7% | +8.3% | +6.3% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 11.2% | 11.3% | – | |
| Return on assets | 1.0% | 1.1% | 1.9% | |
| Capex to revenue | 6.5% | 6.9% | 9.1% | |
| Diluted shares | 15M | 15M | 14M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Tompkins Financial generated $447.36M from operations and spent $254.01M on capital expenditure, dividends and share buybacks. 13% of that went back into the business.
Generated
$447.36M
Used
$254.01M
Capital expenditure$32.80M13%Dividends$171.63M68%Share buybacks$49.58M20%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin89.3%
×Asset turnover0.01×
×Equity multiplier11.53×
=Return on equity, FY202410.3%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2024 | 89.3% | 0.01× | 11.53× | 10.3% |
| FY2023 | 12.7% | 0.01× | 12.06× | 1.5% |
| FY2022 | 114.9% | 0.01× | 11.53× | 12.7% |
| FY2021 | 123.0% | 0.01× | 10.70× | 12.4% |
| FY2020 | 118.0% | 0.01× | 10.41× | 11.3% |
| FY2019 | 121.0% | 0.01× | 10.53× | 12.8% |
| FY2018 | 124.8% | 0.01× | 11.23× | 13.8% |
| FY2017 | 83.2% | 0.01× | 11.48× | 9.4% |
| FY2016 | 23.8% | 0.04× | 11.22× | 11.2% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
3of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$161.07M
- Cash generatingOperating cash flow above zero$38.87M
- Return on assets improvedROA up on the prior year0.9% → 2.0%
- Earnings backed by cashOperating cash flow above net income$38.87M vs $161.07M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise14M → 14M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.01 → 0.01