Short answer
TOMPKINS FINANCIAL CORP (TMP) filed its fiscal 2025 10-K annual report with the SEC on Feb 26, 2026. It reported revenue of $76M (−4.5% year over year) and net income of $161M.
- Top risk flagged: Regulatory risk from allowance for credit losses accounting under GAAP with material impact potential on financial condition
FY2025 key financial metrics · XBRL
- Revenue
- $76M
- −4.5% YoY
- Net income
- $161M
- +127.3% YoY
- EPS (diluted)
- $11.24
- +126.2% YoY
- ROE
- 17.2%
- +7.2 pp YoY
- Operating cash flow
- $39M
- −59.1% YoY
Source: XBRL data from the TOMPKINS FINANCIAL CORP (TMP) FY2025 10-K on SEC EDGAR. USD.
TOMPKINS FINANCIAL CORP FY2025 10-K analysis
AI summary of each section, grounded in the filing text
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 financial or structural risk specifics such as leverage or concentration detailed in text
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