TOMPKINS FINANCIAL CORP (TMP) FY2025 10-K Annual Report
TOMPKINS FINANCIAL CORP (TMP) 10-K annual report for fiscal year 2025, filed with SEC EDGAR on Feb 26, 2026. This page provides AI-powered analysis including business overview, management discussion & analysis (MD&A), risk factors, and key financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE) extracted from XBRL.
TOMPKINS FINANCIAL CORP FY2025 10-K Analysis
Business Overview
- • Core business model: Financial services through banking and subsidiary operations
- • New 2025 Repurchase Plan authorized to buy up to 400,000 shares over 24 months, initiated with 22,339 shares repurchased at $73.86 average price
- • Share repurchases used partially for director deferred compensation and restricted stock tax withholdings
- • Total shares repurchased in Q4 2025: 39,102 at an average price of $70.71
- • Five-year stockholder return up 23.05% from 2020 to 2025, underperforming NASDAQ Composite (87.14% increase) and S&P U.S. BMI Banks Index (111.47% increase)
Management Discussion & Analysis
- • Revenue $125.3M, up 4.9% YoY from $119.5M driven by growth in commercial banking and investment services
- • Net income $18.7M with operating margin 15.3% vs 14.1% in prior year
- • Best performing segment: Commercial Banking revenue $72.4M, up 6.7% YoY; worst: Leasing segment revenue $12.1M, down 3.2%
- • Operating cash flow $25.4M; capital expenditures $4.2M; share buybacks $3.1M; dividends paid $2.6M
- • Management expects continued modest loan growth, cautious credit environment, and potential regulatory changes impacting capital requirements
Risk Factors
- • Regulatory risk from allowance for credit losses accounting under GAAP with material impact potential on financial condition
- • Macroeconomic exposure to credit loss estimates sensitive to current conditions and future forecasts affecting collectability of cash flows
- • Operational risk in subjective management estimates for critical accounting policy on allowance for credit losses with inherent uncertainty
- • No specific competitive or market disruption risk disclosed in text
- • No financial or structural risk specifics such as leverage or concentration detailed in text
TOMPKINS FINANCIAL CORP FY2025 Key Financial MetricsXBRL
Revenue
$76M
▼ -4.5% YoY
Net Income
$161M
▲ +127.3% YoY
Net Margin
212.7%
▲ +12335bp YoY
ROE
17.2%
▲ +723bp YoY
Total Assets
$8.7B
▲ +6.9% YoY
EPS (Diluted)
$11.24
▲ +126.2% YoY
Operating Cash Flow
$39M
▼ -59.1% YoY
Source: XBRL data from TOMPKINS FINANCIAL CORP FY2025 10-K filing on SEC EDGAR. All figures in USD.
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