10-Q quarterly report · filed Oct 28, 2025

TOMPKINS FINANCIAL CORP (TMP) Q3 2025 10-Q Quarterly Report

Short answer

TOMPKINS FINANCIAL CORP (TMP) filed its Q3 2025 10-Q quarterly report on Oct 28, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $98M (up 10.0% year over year) with net income of $24M.

Q3 2025 key financials · XBRL

Revenue
$98M
+10.0% YoY · +4.7% QoQ
Net income
$24M
+27.0% YoY · +10.3% QoQ
EPS (diluted)
$1.65
+26.9% YoY · +10.0% QoQ

Source: XBRL data from the TOMPKINS FINANCIAL CORP (TMP) Q3 2025 10-Q on SEC EDGAR. USD.

TOMPKINS FINANCIAL CORP Q3 2025 10-Q analysis

AI summary of MD&A and risk factor updates

Management Discussion & Analysis

  • Net income $23.7M vs $18.6M YoY; diluted EPS $1.65 vs $1.30
  • Net interest margin 3.20% vs 2.79% YoY; ROA 1.13% vs 0.94%
  • Banking strongest segment: net income $20.2M, up 36.3% YoY
  • Wealth management weakest: net income $626,000, down 17.1% YoY
  • Banking provision $2.5M vs $2.2M; net charge-offs $1.1M vs $912,000

Risk Factors

  • New 2025 Repurchase Plan authorized July 24, 2025, replacing the expired 2023 plan
  • Share-repurchase authorization up to 400,000 shares over 24 months
  • No shares repurchased under the 2025 Repurchase Plan as of September 30, 2025
  • Director stock issuance: 590 unregistered shares valued at $38,733.50 under Section 4(a)(2)
  • Rabbi trust purchases totaled 3,766 shares at average $65.74 during the quarter

Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K

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