TMP TOMPKINS FINANCIAL CORP

Overview and Growth

In fiscal 2025, TOMPKINS FINANCIAL CORP recorded $75.74M of revenue and net income of $161.07M. Reported revenue of $75.74M establishes the scale of the bank’s recognized income for the year and provides context for comparing earnings with the financial resources employed. Compared with $79.33M in fiscal 2024, revenue decreased 4.5%, a top-line contraction that reduced operating scale. Diluted earnings per share were $11.24, translating the period’s attributable earnings into the amount reported for each diluted share. The per-share result recorded a 126.2% increase from fiscal 2024 diluted EPS of $4.97. Diluted shares averaged 14.34M; this is the reported share base over which the company’s diluted per-share earnings were spread. Diluted shares moved 0.5% from 14.27M in fiscal 2024, leaving the current share base higher year over year. Total assets stood at $8.67B, defining the scale of the bank’s financial balance sheet and providing the base for evaluating earnings returns, capitalization, liquidity, and its shareholder-capital buffer.

Profitability

The bank reported net income of $161.07M after all recognized revenue, expense, and tax items. Measured against reported revenue, net income produced a 212.7% margin after operating costs and the remaining recognized items. The earnings statement records $224.86M of pretax income, the profit base against which the reported tax provision can be assessed. The pretax margin was 296.9%, relating income before taxes directly to revenue. The company recognized $63.78M of income tax for the period, completing the transition from pretax income to net income. The income-tax provision equaled 28.4% of pretax income, showing the tax burden absorbed by the year’s earnings. Net income equaled 17.2% of period-end equity, showing the earnings generated on shareholders’ book capital. Net income represented 1.9% of period-end assets, placing the company’s bottom-line result against the total resource base employed. Against $70.85M in fiscal 2024, the current $161.07M bottom line finished above the prior-year result in absolute terms. Bank earnings depend on a large financial-asset base, making bottom-line profitability and returns on book capital central to the analysis. Return on assets connects earnings to the full financial balance sheet, while return on equity shows the result relative to shareholder capital; together they separate operating scale from capitalization and clarify the relationship between them.

Liquidity and Capital Structure

At period end, the $8.67B asset base was financed through $7.73B of liabilities and $938.38M of equity. The company held $132.82M in cash and equivalents, a narrower liquidity measure than total current assets. Book equity represented 10.8% of total assets, quantifying the balance-sheet share supported by shareholder capital. The liabilities-to-assets relationship was 89.2%, placing reported obligations against the full positive asset balance. Cash and equivalents equaled 1.5% of total assets, showing the liquid cash component within the company’s broader resource base. The asset base changed 6.9% from $8.11B in fiscal 2024, leaving current total assets higher year over year. Reported equity changed 31.5% from $713.44M in fiscal 2024, placing the current capital base higher year over year. The reported cash balance changed 1.2% from $134.40M in fiscal 2024, ending lower year over year. For a bank, the equity-to-assets relationship shows the shareholder-capital buffer supporting a balance sheet funded primarily through liabilities. Year-over-year movement in total assets shows whether the banking platform expanded or contracted, while the accompanying change in book equity shows how shareholder capital moved alongside that balance-sheet scale.

Based on the annual report for the fiscal year ending Dec 31, 2025. Analysis generated Oct 21, 2026.