Tompkins Financial Corporation, a financial holding company, provides commercial and consumer banking, leasing, trust and investment management, financial planning and wealth management, and insurance services. It operates through two segments: Banking, and Wealth Management. The company accepts various deposit products, including checking and savings accounts, time deposits, and IRA products. It also offers loans for various business purposes, including real estate financing, construction, equipment financing, accounts receivable financing, and commercial leasing; residential mortgage loans; personal loans; home equity loans; residential real estate loans; commercial and industrial loans; commercial real estate loans; agriculture loans; and consumer and other loans, such as direct and indirect personal installment loans, automobile financing, and overdraft lines of credit. In addition, the company provides letters of credit and sweep accounts; credit and debit cards; deposit and cash management, internet-based account, remote deposit, safe deposit, ATM, voice response, and mobile and internet banking services; trust and estate; financial and tax planning services; property and casualty, life, disability, and long-term care insurance services; employee benefit consulting services; and insurance planning services. It primarily serves individuals, corporate executives, small business owners, and high net worth individuals. Tompkins Financial Corporation was founded in 1836 and is headquartered in Ithaca, New York.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $254M | - | $161M | $32M | 17.2% | -13.9% | 127.3% |
| 2024 | $295M | - | $71M | $89M | 9.9% | 37.0% | 645.4% |
| 2023 | $216M | - | $10M | $82M | 1.4% | -29.0% | -88.8% |
| 2022 | $304M | - | $85M | $95M | 13.8% | - | - |
| 2021 | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total Revenue | - | 303.69 | 215.52 | 295.18 | 254.08 |
| Pretax Income | - | 109.71 | 12.12 | 92.98 | 224.86 |
| Tax Provision | - | 24.56 | 2.50 | 22 | 63.78 |
| Net Income | - | 85.03 | 9.51 | 70.85 | 161.07 |
| Net Income Common Stockholders | - | 84.78 | 9.46 | 70.85 | 161.07 |
| Interest Expense | - | 21.04 | 87.84 | 136.47 | 132.34 |
| Interest Income | - | 251.32 | 297.36 | 347.57 | 382.07 |
| Selling General And Administration | - | 131.74 | 134.26 | 137.58 | 146.29 |
| Normalized Income | - | 85.03 | 9.51 | 70.85 | 24.83 |
| Market Cap | 1,186.74 | 1,186.74 | 1,186.74 | 1,186.74 | 1,186.74 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| Tompkins Financial Corporationthis co. | TMP | $1.2B | 7.37β discount | 1.26 | 17.2% | - |
| Peoples Bancorp Inc. | PEBO | $1.2B | 10.91 | 0.99 | 8.8% | - |
| Goosehead Insurance, Inc. | GSHD | $1.2B | 41.05 | -11.96 | -29.1% | - |
| Amalgamated Financial Corp. | AMAL | $1.2B | 11.84 | 1.49 | 13.1% | - |
| Trupanion, Inc. | TRUP |
| - |
| - |
| - |
| - |
| - |
| - |
| $1.2B |
| 61.37 |
| 3.11 |
| 5.1% |
| 22.61 |
| Community Trust Bancorp, Inc. | CTBI | $1.2B | 11.39 | 1.36 | 11.5% | - |
| Coastal Financial Corporation | CCB | $1.2B | 23.59 | 2.33 | 9.6% | - |
| First Mid Bancshares, Inc. | FMBH | $1.1B | 11.23 | 1.08 | 9.6% | - |
| Atlanticus Holdings Corporation | ATLC | $1.1B | 12.87 | 1.88 | 20.2% | - |
| Peer Median | - | 12.35 | 1.42 | 9.6% | 22.61 | |