Tompkins Financial (TMP) Financial Statements & Analysis

Tompkins Financial (TMP) Income Statement

Tompkins Financial reported revenue of $435.07M in fiscal 2025 (fiscal year ended Dec 31, 2025), up 47.4% from $295.18M a year earlier. Net income was $161.07M, up 127.3% year over year, a net margin of 37.0%. Gross margin was 100.0% and operating margin 51.7%. In the most recent quarter, Q3 fiscal 2026 (ended Sep 30, 2026), revenue was $86.84M, down 28.6% from the same quarter a year earlier.

Tompkins Financial Income Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Tompkins Financial Corporation income statement - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Revenue & Gross Profit
Revenue	435.07	295.18	215.52	303.69	299.11	324.94	333.57	322.81	292.55
Cost of Revenue	143.88	143.08	92.18	23.83	15.31	46.20	52.12	43.73	29.62
Gross Profit	435.07	288.57	211.18	300.90	301.33	278.73	281.46	279.08	262.93
Operating Expenses
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	155.96	137.58	134.27	131.74	127.29	124.48	118.52	115.83	110.95
Operating Expenses	210.21	195.59	199.05	191.19	186.76	181.07	178.60	174.84	167.68
Operating Income	224.86	92.98	12.12	109.71	114.57	97.67	102.86	104.24	95.24
Other Income/Expense
Interest Income	382.07	347.57	297.36	251.32	241.32	254.33	261.38	251.59	226.76
Interest Expense	132.34	136.47	87.84	21.04	17.53	28.99	50.75	39.79	25.46
Other Income/Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Income
Income Before Tax	224.86	92.98	12.12	109.71	114.57	97.67	102.86	104.24	95.24
Income Tax Expense	63.79	22.00	2.50	24.56	25.18	19.92	21.02	21.81	42.62
Net Income	161.07	70.85	9.51	85.03	89.26	77.59	81.72	82.31	52.49
Net Income - Continuous Operations	161.07	70.97	9.63	85.16	89.39	77.59	81.72	82.31	52.49
Net Income - Discontinued Operations	-	-	-	-	-	-	-	-	-
EBITDA	8.62	10.48	23.86	11.56	11.57	109.34	114.58	115.57	105.44
EBIT	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	8.62	0.33	0.33	0.87	1.32	11.68	11.72	11.33	10.20
Earnings Per Share
Basic EPS	11.00	5.00	1.00	6.00	6.00	5.00	5.00	5.00	3.00
Diluted EPS	11.00	5.00	1.00	6.00	6.00	5.00	5.00	5.00	3.00
Basic Shares Outstanding	14.25	14.22	14.25	14.33	14.57	14.70	14.91	15.04	14.95
Diluted Shares Outstanding	14.34	14.27	14.30	14.40	14.65	14.74	14.97	15.13	15.07

Source: Company financial statements from annual and quarterly filings. Data as of Sep 30, 2026. Data sources and methodology

Frequently Asked Questions About Tompkins Financial Financial Statements

What was Tompkins Financial's revenue in fiscal 2025?

Tompkins Financial reported revenue of $435.07M in fiscal 2025 (fiscal year ended Dec 31, 2025). That was up 47.4% from $295.18M a year earlier.

Is Tompkins Financial profitable?

Yes. Tompkins Financial earned net income of $161.07M in fiscal 2025, a net margin of 37.0%. In fiscal 2024 it earned $70.85M.

What is Tompkins Financial's operating margin?

Tompkins Financial's operating income was $224.86M on revenue of $435.07M in fiscal 2025, an operating margin of 51.7%, compared with 31.5% a year earlier.

What is net profit margin?

Net profit margin is net income divided by revenue. It shows how much of each dollar of sales a company keeps as profit after all costs, interest and taxes. Full definition