TOMPKINS FINANCIAL CORP financial statements

Income statement, balance sheet and cash flow statement for the last 10 fiscal years, taken from the XBRL data TOMPKINS FINANCIAL CORP files with the SEC in its annual reports.

In USD millions, except per-share amounts. Outflows in the cash flow statement are negative.

Income statement

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue		63.1	66	67.6	65.7	72.6	74	75	79.3	75.7
Interest expense	22.1	25.5	39.8	50.8	29	17.5	21	87.8
Pre-tax income	86.5	95.2	104	103	97.7	115	110	12.1	93	225
Income tax	27	42.6	21.8	21	19.9	25.2	24.6	2.5	22	63.8
Net income to minority interests	0.13	0.13	0.13	0.13	0.15	0.13	0.13	0.12	0.12	0
Net income	59.3	52.5	82.3	81.7	77.6	89.3	85	9.51	70.9	161
EPS, basic	3.94	3.46	5.39	5.39	5.22	6.08	5.92	0.66	4.98	11.30
EPS, diluted	3.91	3.43	5.35	5.37	5.20	6.05	5.89	0.66	4.97	11.24
Shares, basic (weighted)	14.8	15	15	14.9	14.7	14.6	14.3	14.3	14.2	14.3
Shares, diluted (weighted)	14.9	15.1	15.1	15	14.7	14.6	14.4	14.3	14.3	14.3
Dividend per share	1.77	1.82	1.94	2.02	2.10	2.19	2.31	2.40	2.44	3.13

Balance sheet

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Cash and equivalents	64	84.3	80.4	138	388	63.1	77.8	79.5	134	133
Property, plant and equipment	70	87	97.2	94.4	88.7	85.4	82.1	79.7	76.6	72.4
Lease right-of-use assets				33.5		30.3	33.1	27.7	26.9	26.2
Goodwill	92.6	92.3	92.3	92.4	92.4	92.4	92.6	92.6	92.6	72.7
Intangible assets	11.3	9.26	7.63	6.22	4.91	3.64	2.71	2.33	2.2	1.69
Total assets	6,237	6,648	6,758	6,726	7,622	7,820	7,671	7,820	8,109	8,668
Lease liabilities				32.7
Total liabilities	5,687	6,072	6,138	6,063	6,904	7,091	7,053	7,150	7,396	7,730
Paid-in capital	357	364	367	339	334	313	303	297	300	299
Retained earnings	230	265	319	370	418	475	527	502	537	662
Treasury stock	-4.05	-4.49	-4.9	-5.28	-5.53	-5.79	-6.28	-6.61	-6.74	-5.38
Other comprehensive income	-37.1	-51.3	-63.2	-43.6	-32.1	-56	-209	-125	-118	-19.1
Shareholders' equity	548	575	619	662	716	728	616	669	713
Minority interests	1.45	1.42	1.41	1.41	1.41	1.41	1.41	1.41	0
Total equity	549	576	621	663	718	729	617	670	713	938
Total liabilities and equity	6,237	6,648	6,758	6,726	7,622	7,820	7,671	7,820	8,109	8,668

Cash flow statement

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Net income	59.5	52.6	82.4	81.8	77.7	89.4	85.2	9.63	71	161
Depreciation and amortization	6.25	6.82	7.6	7.72	7.83	7.97	7.64	8.09	7.47	6.63
Stock-based compensation	2.27	2.96	3.48	4.24	4.73	5.15	4.34	4.1	4.63	3.49
Deferred income tax	1.86	14.6	2.35	3.07	-6.28	1.8	0.91	-0.43	-3.08	-1.36
Cash from operations	90.9	86.1	107	102	101	121	103	89	95	38.9
Capital expenditures	-16.3	-35.3	-18.1	-6.01	-4.55	-4.74	-8.17	-6.76	-6.21	-6.92
Purchases of investments			-185	-333	-905	-1,072	-155	-391	-55.9	-813
Sales and maturities of investments	244	167	151	303	546	454	209	162	198	228
Cash from investing	-573	-427	-144	134	-644	-583	-8.44	-146	-250	-301
Debt issued	761	751	524	527	74.6	14	436	450	805	367
Debt repaid	-412	-564	-520	-945	-468	-158	-269	-140	-617	-593
Stock issued	0	0	-0.54	-0.99			0	0	0.17	0.12
Share buybacks	-1.17	0	-2.45	-29.9	-9.41	-23.8	-15.4	-8.73	0	-1.65
Dividends paid	-26.6	-27.6	-29.6	-30.6	-31.4	-32.4	-33.6	-34.5	-35	-36.1
Cash from financing	488	361	32.4	-178	793	137	-80.2	59	210	260
Net change in cash	5.7	20.3	-3.91	57.6	250	-325	14.7	1.71	54.9	-1.58
Free cash flow	74.6	50.8	89.2	95.6	96.8	116	95.2	82.2	88.8	31.9
Interest paid	23.5	26.4	40.7	51.5	30.3	16.9	21	86.3	136	133
Income taxes paid	24.7	31	16.9	16.7	22.9	28.6	23.9	10.4	14.8	27.4

Key metrics

Worked out from the statements above. Latest values use the trailing twelve months to June 30, 2026; growth uses fiscal years. Valuation uses the share price of $99.57 on September 25, 2026.

Profitability

Metric	Value	How it is calculated
Effective tax rate	28.1%	Income tax / pre-tax income, when pre-tax income is positive.
Return on assets (ROA)	2.0%	Net income / average total assets.

Growth

Metric	Value	How it is calculated
Revenue growth, 1y	-4.5%	Revenue vs the same period a year earlier. Only from a positive base.
Revenue CAGR, 3y	0.8%	Compound annual growth of revenue over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Revenue CAGR, 5y	2.9%	Compound annual growth of revenue over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Net income growth, 1y	127.3%	Net income vs the same period a year earlier. Only from a positive base.
Net income CAGR, 3y	23.7%	Compound annual growth of net income over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Net income CAGR, 5y	15.7%	Compound annual growth of net income over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
EPS growth, 1y	126.2%	EPS vs the same period a year earlier. Only from a positive base.
EPS CAGR, 3y	24.0%	Compound annual growth of eps over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
EPS CAGR, 5y	16.7%	Compound annual growth of eps over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Operating cash flow growth, 1y	-59.1%	Operating cash flow vs the same period a year earlier. Only from a positive base.
Operating cash flow CAGR, 3y	-27.8%	Compound annual growth of operating cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Operating cash flow CAGR, 5y	-17.4%	Compound annual growth of operating cash flow over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Free cash flow growth, 1y	-64.0%	Free cash flow vs the same period a year earlier. Only from a positive base.
Free cash flow CAGR, 3y	-30.5%	Compound annual growth of free cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Free cash flow CAGR, 5y	-19.9%	Compound annual growth of free cash flow over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Dividend per share growth, 1y	28.3%	Dividend per share vs the same period a year earlier. Only from a positive base.
Dividend per share CAGR, 3y	10.7%	Compound annual growth of dividend per share over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Dividend per share CAGR, 5y	8.3%	Compound annual growth of dividend per share over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Total assets growth, 1y	6.9%	Total assets vs the same period a year earlier. Only from a positive base.
Total assets CAGR, 3y	4.2%	Compound annual growth of total assets over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Total assets CAGR, 5y	2.6%	Compound annual growth of total assets over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Share count change, 1y	0.5%	Change in diluted weighted shares vs a year earlier. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 3y	-0.2%	Change in diluted weighted shares, per year over 3 years. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 5y	-0.6%	Change in diluted weighted shares, per year over 5 years. Negative means buybacks shrank the share count; positive means dilution.

Balance sheet health

Metric	Value	How it is calculated
Liabilities / assets	89.1%	Total liabilities / total assets.
Goodwill and intangibles / assets	0.8%	(Goodwill + intangible assets) / total assets.

Efficiency

Metric	Value	How it is calculated
FCF conversion	27.3%	Free cash flow / net income, when net income is positive.
Capex / operating cash flow	16.2%	Capital expenditures / cash from operations, when that is positive.

Per share

Metric	Value	How it is calculated
EPS, diluted	$12.23	Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS.
FCF per share	$3.33	Free cash flow / diluted weighted shares.
Operating cash flow per share	$3.98	Cash from operations / diluted weighted shares.
Cash per share	$10.31	(Cash + short-term investments) / shares outstanding.
Payout ratio	21.4%	Dividends paid / net income, when net income is positive.
Dividends / FCF	78.6%	Dividends paid / free cash flow, when free cash flow is positive.

Valuation

Metric	Value	How it is calculated
Market cap	$1.43B	Share price x shares outstanding.
Enterprise value	$1.28B	Market cap + total debt - cash - short-term investments.
P/E	8.17x	Market cap / net income. Only when net income is positive.
P/FCF	30.0x	Market cap / free cash flow. Only when free cash flow is positive.
P/OCF	25.1x	Market cap / cash from operations, when positive.
EV/FCF	26.9x	Enterprise value / free cash flow, when both are positive.
FCF yield	3.3%	Free cash flow / market cap.
Earnings yield	12.2%	Net income / market cap (the inverse of P/E).
Dividend yield	2.6%	Dividends paid over the period / market cap.
Shareholder yield	2.6%	(Dividends paid + share buybacks) / market cap.
PEG	0.34x	P/E / EPS growth per year over 3 years (in percent). Only when both are positive.

What was TOMPKINS FINANCIAL CORP's revenue in fiscal 2025?

TOMPKINS FINANCIAL CORP reported revenue of $75.7M for fiscal 2025, 4.5% lower than the year before.

Was TOMPKINS FINANCIAL CORP profitable in fiscal 2025?

Yes. Net income was $161.1M, a net margin of 212.7%.

How much free cash flow did TOMPKINS FINANCIAL CORP generate in fiscal 2025?

Cash from operations of $38.9M minus capital expenditures of $6.9M left free cash flow of $31.9M.

Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.

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