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TOMPKINS FINANCIAL CORP

TMP

$100.01 ▼ -2.84 (-2.77%) at close

18 Visible periods

33 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

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Analytical Summary

TOMPKINS FINANCIAL CORP shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $1.4B

Dividend Yield 3.13%

Revenue Growth 49.3% ↗

Op. Margin 50.3% ↗

ROIC None

FCF / Share None

Trailing P/E 8.9x

Price / Book —

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Nov 5, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$446.60M

↑ +49.3% —

Net Income Profit after all expenses

$161.07M

↑ +127.3% —

Operating Margin Operating profit as % of sales

50.3%

↑ +62.0% 97th

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↑

Dividend History

Dividend / share · sourced from SEC filings

$3.13 Latest / share

+28.3% YoY

+6.2% 12-yr CAGR

$1.62

FY 2014

$1.70

FY 2015

$1.77

FY 2016

$1.82

FY 2017

$1.94

FY 2018

$2.02

FY 2019

$2.10

FY 2020

$2.19

FY 2021

$2.31

FY 2022

$2.40

FY 2023

$2.44

FY 2024

$3.13

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	49.3% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+721%)	36.2% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+503%)	-28.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-578%)	1.9% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-69%)	1.2% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-81%)	4.6% Caution → Caution Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-23%)	-1.1% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-118%)	6.9% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+15%)	8.4% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+41%)	3.8% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-37%)	2.4% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-59%)	1.5% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-74%)	22.3% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+271%)	18.5% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+209%)	0.9% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-84%)	3.1% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-49%)	—	—
EPS Growth YoY (%)	126.9% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	654.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-88.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-2.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	16.5% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	-3.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	0.0% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	55.8% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-12.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	0.8% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	11.4% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	0.9% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	42.6% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-24.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	2.6% Caution Caution Year-over-year change in earnings per share Optimal: > 10%	5.0% Fair Fair Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	127.3% Excellent ↓ Excellent Declining Year-over-year change in net income	645.4% Excellent ↑ Excellent Improving Year-over-year change in net income	-88.8% Weak ↓ Weak Declining Year-over-year change in net income	-4.7% Weak ↓ Weak Declining Year-over-year change in net income	15.0% Good ↓ Good Declining Year-over-year change in net income	-5.1% Weak ↓ Weak Declining Year-over-year change in net income	-0.7% Weak ↓ Weak Declining Year-over-year change in net income	56.8% Excellent ↑ Excellent Improving Year-over-year change in net income	-11.5% Weak ↓ Weak Declining Year-over-year change in net income	1.6% Caution ↓ Caution Declining Year-over-year change in net income	12.3% Fair ↓ Fair Declining Year-over-year change in net income	2.3% Caution ↓ Caution Declining Year-over-year change in net income	62.6% Excellent ↑ Excellent Improving Year-over-year change in net income	-11.7% Weak ↓ Weak Declining Year-over-year change in net income	4.7% Caution Caution Year-over-year change in net income	6.3% Fair Fair Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	13.2% Good ↑ Good Improving Compound annual revenue growth over 3 years	-0.4% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-9.8% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	2.5% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	1.5% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	3.4% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	4.7% Caution → Caution Stable Compound annual revenue growth over 3 years	6.4% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	4.9% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	2.6% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	8.3% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	13.7% Good ↑ Good Improving Compound annual revenue growth over 3 years	13.5% Good Good Compound annual revenue growth over 3 years	7.2% Fair Fair Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	8.3% Good ↑ Good Improving Compound annual revenue growth over 5 years	0.9% Weak ↑ Weak Improving Compound annual revenue growth over 5 years	-5.3% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	2.6% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	3.9% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	4.5% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	4.0% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	4.6% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	7.4% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	9.4% Good ↑ Good Improving Compound annual revenue growth over 5 years	8.8% Good Good Compound annual revenue growth over 5 years	8.9% Good Good Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	24.0% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-6.4% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	-49.8% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	3.2% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	4.1% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	14.7% Good ↑ Good Improving Compound annual EPS growth over 3 years	11.0% Good ↑ Good Improving Compound annual EPS growth over 3 years	11.3% Good ↑ Good Improving Compound annual EPS growth over 3 years	-0.5% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	4.2% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	17.0% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	3.0% Caution ↑ Caution Improving Compound annual EPS growth over 3 years	3.6% Caution Caution Compound annual EPS growth over 3 years	-6.4% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	50.3% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+101%)	31.1% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+24%)	5.5% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-78%)	35.6% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+42%)	37.9% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+51%)	32.6% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+31%)	—	—	—	34.7% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+39%)	36.4% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+46%)	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	28.4% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.7% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.6% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.4% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.0% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.4% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	31.3% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	33.1% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—
Profit Margin (%) (%)	36.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+64%)	23.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+8%)	4.3% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-80%)	27.6% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+25%)	29.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+34%)	25.9% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+18%)	28.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+30%)	28.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+29%)	19.4% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-12%)	23.8% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+8%)	24.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+10%)	22.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	22.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	16.6% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-25%)	22.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	21.4% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	20.8% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-6%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.1% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak Weak Operating profit relative to total assets Optimal: > 10%	1.0% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	—	9.9% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-17%)	1.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-88%)	13.8% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+15%)	12.3% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	10.8% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-10%)	12.4% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	13.3% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+11%)	—	10.8% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-10%)	—	10.7% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-11%)	11.1% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-7%)	7.1% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-41%)	11.9% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	—	—	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$31.33	$21.05	$15.42	$21.51	$20.77	$20.35	$19.19	$19.23	$18.09	$16.84	$16.32	$15.98	$15.96	$14.77	$14.49	$14.61	—	—
Basic EPS, GAAP (USD)	$11.30	$4.98	$0.66	$5.92	$6.08	$5.22	$5.39	$5.39	$3.46	$3.94	$3.91	$3.51	$3.48	$2.44	$3.21	$3.13	$2.98	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$3.13	$2.44	$2.40	$2.31	$2.19	$2.10	$2.02	$1.94	$1.82	$1.77	$1.70	$1.62	$1.54	$1.46	$1.40	$1.33	$1.24	—
Book Value per Share (USD)	—	$50.18	$46.90	$42.99	$49.94	$48.72	$44.38	$41.19	—	$36.99	—	$33.26	$31.53	$34.38	$27.06	—	—	—
Tangible Book Value per Share (USD)	—	$43.51	$40.24	$36.34	$43.34	$42.09	$37.77	$34.55	—	$29.97	—	$25.98	$24.04	$25.71	$22.70	—	—	—
Basic Weighted Avg Shares (shares)	14.25M	14.22M	14.25M	14.33M	14.57M	14.70M	14.91M	15.04M	14.95M	14.81M	14.73M	14.68M	14.48M	12.80M	11.00M	10.81M	—	—
Dividend Payout Ratio (%)	27.7% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	49.0% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	363.6% Weak ↑ Weak Improving Dividends paid as a percentage of earnings Optimal: 30-60%	39.0% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	36.0% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	40.2% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	37.5% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	36.0% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	52.6% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	44.9% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	43.5% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	46.2% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	44.3% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	59.8% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	43.6% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	42.5% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	41.6% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	—	$713.44M	$668.52M	$615.98M	$727.53M	$716.28M	$661.64M	$619.46M	—	$547.95M	—	$488.13M	$456.49M	$439.91M	$297.69M	—	—	—

📋 What is driving earnings? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$446.60M	$299.23M	$219.75M	$308.25M	$302.64M	$299.20M	$286.06M	$289.25M	$270.51M	$249.44M	$240.32M	$234.57M	$231.03M	$188.95M	$159.42M	$157.93M	$153.25M	—
Net Income, GAAP (USD)	$161.07M	$70.85M	$9.51M	$85.03M	$89.26M	$77.59M	$81.72M	$82.31M	$52.49M	$59.34M	$58.42M	$52.04M	$50.86M	$31.29M	$35.42M	$33.83M	$31.83M	—
Operating Cash Flow (USD)	$38.87M	$94.97M	$89.00M	$103.34M	$121.18M	$101.39M	$101.61M	$107.27M	$86.06M	—	—	—	—	$61.78M	$71.99M	$64.85M	$23.86M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Net Interest Margin (approx.) (%)	2.9%	2.6%	2.7%	3.0%	2.9%	3.0%	3.1%	3.1%	3.0%	2.9%	3.0%	3.1%	3.2%	2.8%	3.3%	3.4%	—	—
Efficiency Ratio (%) (%)	47.1%	66.7%	92.5%	63.5%	62.9%	61.6%	63.6%	62.6%	63.3%	63.6%	62.4%	65.9%	66.3%	72.8%	61.8%	62.7%	63.0%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 4 days ago 18 years · 69 quarters

TOMPKINS FINANCIAL CORP

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