InsiderClue
Stocks · Financials · State Commercial Banks

TOMPKINS FINANCIAL CORP

TMP Clue Score57
United States Fiscal year ends December CIK 0001005817
$95.73 -0.85% Close, 9 Oct 2026
Alert on the numbers Alert on insider trades
Price $95.73 +17.85% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Net income59.3EPS, diluted3.91Fiscal year 2017Revenue63.1Net income52.5 −11.5%EPS, diluted3.43 −12.3%Fiscal year 2018Revenue66.0 +4.5%Net income82.3 +56.8%EPS, diluted5.35 +56.0%Fiscal year 2019Revenue67.6 +2.4%Net income81.7 −0.7%EPS, diluted5.37 +0.4%Fiscal year 2020Revenue65.7 −2.7%Net income77.6 −5.1%EPS, diluted5.20 −3.2%Fiscal year 2021Revenue72.6 +10.4%Net income89.3 +15.0%EPS, diluted6.05 +16.3%Fiscal year 2022Revenue74.0 +1.9%Net income85.0 −4.7%EPS, diluted5.89 −2.6%Fiscal year 2023Revenue75.0 +1.4%Net income9.5 −88.8%EPS, diluted0.66 −88.8%Fiscal year 2024Revenue79.3 +5.7%Net income70.9 +645.4%EPS, diluted4.97 +653.0%Fiscal year 2025Revenue75.7 −4.5%Net income161.1 +127.3%EPS, diluted11.24 +126.2%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue n/a 63.1 66.0 67.6 65.7 72.6 74.0 75.0 79.3 75.7
Growth +4.5% +2.4% −2.7% +10.4% +1.9% +1.4% +5.7% −4.5%
Net income 59.3 52.5 82.3 81.7 77.6 89.3 85.0 9.5 70.9 161.1
Growth −11.5% +56.8% −0.7% −5.1% +15.0% −4.7% −88.8% +645.4% +127.3%
EPS, diluted 3.91 3.43 5.35 5.37 5.20 6.05 5.89 0.66 4.97 11.24
Growth −12.3% +56.0% +0.4% −3.2% +16.3% −2.6% −88.8% +653.0% +126.2%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2016Fiscal year 2017Net margin83.2%Free cash flow margin80.5%Fiscal year 2018Net margin124.8%Free cash flow margin135.2%Fiscal year 2019Net margin121.0%Free cash flow margin141.5%Fiscal year 2020Net margin118.0%Free cash flow margin147.3%Fiscal year 2021Net margin123.0%Free cash flow margin160.4%Fiscal year 2022Net margin114.9%Free cash flow margin128.7%Fiscal year 2023Net margin12.7%Free cash flow margin109.6%Fiscal year 2024Net margin89.3%Free cash flow margin111.9%Fiscal year 2025Net margin212.7%Free cash flow margin42.2%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin n/a 83.2% 124.8% 121.0% 118.0% 123.0% 114.9% 12.7% 89.3% 212.7%
Free cash flow margin n/a 80.5% 135.2% 141.5% 147.3% 160.4% 128.7% 109.6% 111.9% 42.2%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow90.9Capital expenditure−16.3Free cash flow74.6Buybacks−1.2Dividends paid−26.6Fiscal year 2017Operating cash flow86.1Capital expenditure−35.3Free cash flow50.8 −31.9%Buybacks0.0Dividends paid−27.6Fiscal year 2018Operating cash flow107.3Capital expenditure−18.1Free cash flow89.2 +75.6%Buybacks−2.4Dividends paid−29.6Fiscal year 2019Operating cash flow101.6Capital expenditure−6.0Free cash flow95.6 +7.2%Buybacks−29.9Dividends paid−30.6Fiscal year 2020Operating cash flow101.4Capital expenditure−4.6Free cash flow96.8 +1.3%Buybacks−9.4Dividends paid−31.4Fiscal year 2021Operating cash flow121.2Capital expenditure−4.7Free cash flow116.4 +20.2%Buybacks−23.8Dividends paid−32.4Fiscal year 2022Operating cash flow103.3Capital expenditure−8.2Free cash flow95.2 −18.3%Buybacks−15.4Dividends paid−33.6Fiscal year 2023Operating cash flow89.0Capital expenditure−6.8Free cash flow82.2 −13.6%Buybacks−8.7Dividends paid−34.5Fiscal year 2024Operating cash flow95.0Capital expenditure−6.2Free cash flow88.8 +7.9%Buybacks0.0Dividends paid−35.0Fiscal year 2025Operating cash flow38.9Capital expenditure−6.9Free cash flow31.9 −64.0%Buybacks−1.7Dividends paid−36.1
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 90.9 86.1 107.3 101.6 101.4 121.2 103.3 89.0 95.0 38.9
Capital expenditure −16.3 −35.3 −18.1 −6.0 −4.6 −4.7 −8.2 −6.8 −6.2 −6.9
Free cash flow 74.6 50.8 89.2 95.6 96.8 116.4 95.2 82.2 88.8 31.9
Growth −31.9% +75.6% +7.2% +1.3% +20.2% −18.3% −13.6% +7.9% −64.0%
Buybacks −1.2 0.0 −2.4 −29.9 −9.4 −23.8 −15.4 −8.7 0.0 −1.7
Dividends paid −26.6 −27.6 −29.6 −30.6 −31.4 −32.4 −33.6 −34.5 −35.0 −36.1

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
Cash
Fiscal year 2016Cash64.0Shareholders’ equity548.0Fiscal year 2017Cash84.3Shareholders’ equity574.8Fiscal year 2018Cash80.4Shareholders’ equity619.5Fiscal year 2019Cash138.0Shareholders’ equity661.6Fiscal year 2020Cash388.5Shareholders’ equity716.3Fiscal year 2021Cash63.1Shareholders’ equity727.5Fiscal year 2022Cash77.8Shareholders’ equity616.0Fiscal year 2023Cash79.5Shareholders’ equity668.5Fiscal year 2024Cash134.4Shareholders’ equity713.4Fiscal year 2025Cash132.8Shareholders’ equity938.4
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 64.0 84.3 80.4 138.0 388.5 63.1 77.8 79.5 134.4 132.8
Shareholders’ equity 548.0 574.8 619.5 661.6 716.3 727.5 616.0 668.5 713.4 938.4

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Cash flow

In millions of USD, except per-share figures; shares in millions. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Operations
90.9 86.1 107.3 101.6 101.4 121.2 103.3 89.0 95.0 38.9
Growth −5.3% +24.6% −5.3% −0.2% +19.5% −14.7% −13.9% +6.7% −59.1%
Investment
−16.3 −35.3 −18.1 −6.0 −4.6 −4.7 −8.2 −6.8 −6.2 −6.9
calc 74.6 50.8 89.2 95.6 96.8 116.4 95.2 82.2 88.8 31.9
Growth −31.9% +75.6% +7.2% +1.3% +20.2% −18.3% −13.6% +7.9% −64.0%
calc 4.99 3.37 5.89 6.38 6.57 7.95 6.61 5.75 6.22 2.23
n/a −427.0 −143.6 134.0 −643.7 −583.3 −8.4 −146.3 −250.4 −300.7
Financing
n/a 361.2 32.4 −178.0 792.8 136.8 −80.2 59.0 210.3 260.3
−26.6 −27.6 −29.6 −30.6 −31.4 −32.4 −33.6 −34.5 −35.0 −36.1
−1.2 0.0 −2.4 −29.9 −9.4 −23.8 −15.4 −8.7 0.0 −1.7

Lines marked calc are worked out here from filed figures; point at one for how. Capital expenditure, dividends and buybacks are shown as money out, so negative.