Tompkins Financial
Community banking and integrated wealth management across New York and Pennsylvania.
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Profile
Provides community banking through Tompkins Bank & Trust and wealth management through Tompkins Financial Advisors, earning chiefly from lending-deposit spreads plus fees for managing assets and trusts. Operations remain concentrated in New York and Pennsylvania following the insurance-business sale.
Operates Tompkins Bank & Trust, a community bank across Central, Western, and Hudson Valley New York and southeastern Pennsylvania, offering commercial, agricultural, consumer, residential and commercial real-estate, construction, and lease financing alongside deposits, cards, cash management, and digital banking.
Pairs banking with Tompkins Financial Advisors, which provides investment management, trust and estate services, financial and tax planning, and related advisory work. Revenue relies largely on lending-deposit spreads, with recurring wealth fees tied to managed or custody asset values.
Uses local decision-making and relationship-based service across branch and digital channels. Operations depend on regional credit and real-estate conditions, funding and interest-rate dynamics, regulatory oversight, third-party technology, and retaining relationship managers and specialized advisors.
Company facts
Key statistics
Year to date +35.0% · Average volume (30d) 102.8K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Rating | Target |
|---|---|---|---|---|
| Aug 3, 2026 | Piper Sandler | Reiterate | Neutral | $104 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 24, 2026Q2 FY26 | $1.82 | $2.04 | +12.1% | $86.9M | $87.1M | +0.2% | −1.42% |
| Apr 24, 2026Q1 FY26 | $1.71 | $1.82 | +6.4% | $83.6M | $83.7M | +0.1% | +2.26% |
| Jan 30, 2026Q4 FY25 | $1.76 | $1.78 | +1.1% | $136.2M | $194.8M | +43.1% | +1.25% |
| Oct 24, 2025Q3 FY25 | $1.70 | $1.65 | −2.9% | $86.7M | $87.4M | +0.9% | +1.26% |
Financial highlights
| 11 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $114.5M | $116.2M | $121.6M | $226.7M | $114.5M | $26.6M | |
| Gross profit | $76.4M | $79.9M | $85.0M | $193.8M | $82.2M | −$5.7M | |
| Operating income | $25.8M | $28.2M | $31.1M | $139.7M | $34.5M | −$34.5M | |
| Net income | $19.7M | $21.5M | $23.7M | $96.2M | $26.1M | $29.3M | |
| Diluted EPS | $1.37 | $1.50 | $1.65 | $6.70 | $1.82 | $2.05 | |
| Gross margin | 66.7% | 68.8% | 69.9% | 85.5% | 71.8% | -21.5% | |
| Operating margin | 22.5% | 24.3% | 25.6% | 61.6% | 30.1% | -129.6% |
Fiscal years (4-quarter sums)FY24 $433.7M · FY25 $578.9M
Revenue by product · Q4 FY25
Balance sheet, Jun 30, 2026Cash & short-term investments $71.7M · Total debt $728.1M · Total assets $8.80B · Shareholders' equity $959.9M
Dividends
Raised for 35 straight years — most recently to $0.70 from $0.67 in Aug 2026. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Aug 7, 2026 | Aug 7 | Aug 14 | $0.70 | raised from $0.67 |
| May 8, 2026 | May 8 | May 15 | $0.67 | |
| Feb 13, 2026 | Feb 13 | Feb 22 | $0.67 | raised from $0.65 |
| Nov 7, 2025 | Nov 7 | Nov 14 | $0.65 | raised from $0.62 |
| Aug 8, 2025 | Aug 8 | Aug 15 | $0.62 | |
| May 9, 2025 | May 9 | May 16 | $0.62 | |
| Feb 14, 2025 | Feb 14 | Feb 21 | $0.62 | |
| Nov 8, 2024 | Nov 8 | Nov 15 | $0.62 | raised from $0.61 |
Ownership
Shares outstanding 14.38M · Float 13.04M · 90.6% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 2.05M | 14.25% | 13F | Aug 7, 2026 |
| State Street Corp | 1.21M | 8.40% | 13F | Aug 7, 2026 |
| Tompkins Financial Corp | 1.12M | 7.77% | 13F | Jul 15, 2026 |
| Vanguard Portfolio Management LLC | 767.4K | 5.34% | 13F | Aug 13, 2026 |
| Dimensional Fund Advisors LP | 607.5K | 4.22% | 13F | Aug 11, 2026 |
Insider tradesForm 4
No open-market trades in the last 12 months.
View detailsPeers
- M&T Bank
Full-service bank rival across New York and Pennsylvania.
- NBT Bancorp
Closest regional overlap in community banking and wealth services.
- Community Financial System
Upstate New York community-bank rival with wealth services.
- Citizens Financial Group
Large Pennsylvania banking and private-wealth alternative.
- Fulton Financial
Southeastern Pennsylvania community-bank and advisory rival.
- SoFi
Digital alternative for deposits, consumer loans, and investing.
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Tompkins Financial | $97.80 | −0.07% | $1.41B | 8.0 | 12.2 | 2.9 | +5.4% |
| M&T Bank | $237.29 | −0.08% | $34.39B | 12.5 | 11.9 | 2.8 | +5.7% |
| NBT Bancorp | $51.55 | 0.00% | $2.68B | 12.6 | 11.8 | 2.8 | +9.4% |
| Community Financial System | $63.11 | −0.06% | $3.32B | 14.7 | 13.0 | 3.2 | +9.6% |
| Citizens Financial Group | $71.05 | +1.96% | $29.48B | 15.2 | 11.9 | 2.6 | +12.1% |
| Fulton Financial | $23.69 | +0.02% | $4.53B | 11.3 | 10.6 | 2.4 | +13.5% |
| SoFi | $18.08 | +0.22% | $23.17B | 37.6 | 24.5 | 4.1 | +41.0% |
| Median | 13.6 | 11.9 | 2.8 | +10.9% |