TOMPKINS FINANCIAL CORP

TMP · State Commercial Banks · 14.4M shares · -1%/yr ↓ buyback · EDGAR filings ↗

Net buyback after stock comp: $5M (gross $9M, SBC $4M)

Reference price $85.90 · est. market cap ~$1.2B — last insider purchase, 2026-05-26 (estimated from the dated SEC Form 4 price × shares outstanding — not a live quote)

Grade

B71

Tompkins Financial — New York bank/insurance/wealth firm with high ROA.

Strengths

ROA 96th pct, net income up sharply (87th)
Diversified insurance/wealth fee income

Risks

Revenue down 4.5% (4th pct)
Regional concentration

Notable findings

Exec changeRecent 8-K item 5.02 8-K ↗
Strong balance sheetStrong balance sheet — $133M cash & investments

Quarterly revenue

2024-06-30 · $19M2024-09-30 · $21M2024-12-31 · $18M2025-03-31 · $22M

Last 4 quarters · from SEC filings.

Key metrics

Net margin

212.7%

Return on assets

1.9%

Revenue growth (QoQ)

16.3%

Net-income growth

127.3%

Free cash flow

$32M

Cash & investments

$133M

Stock comp / revenue

4.6%

Insider transactions · last 18 months

Date	Insider	Type	Shares	Price
2026-05-26	Rahilly Ita M	Buy	1.2K	$85.90
2026-05-18	Fontaine Alyssa H	Grant	730	—
2026-05-18	McKenna John M	Grant	730	—
2026-05-18	McKenna John M	Tax withheld	264	$84.18
2026-05-18	Fontaine Alyssa H	Tax withheld	359	$84.18
2026-05-18	Kunkel Ginger G	Grant	730	—
2026-05-18	Kunkel Ginger G	Tax withheld	201	$84.18
2026-05-18	ROMAINE STEPHEN S	Grant	3.1K	—
2026-05-18	ROMAINE STEPHEN S	Tax withheld	1.6K	$84.18
2026-05-18	DeMilia David M	Grant	730	—
2026-05-18	DeMilia David M	Tax withheld	264	$84.18
2026-05-13	DeMilia David M	L	1	$82.75
2026-04-14	DeMilia David M	L	1	$84.50
2026-04-06	Lee Angela B	Grant	262	$80.09
2026-04-06	Johnson Patricia A	Grant	226	$80.09
2026-04-06	Fessenden Daniel J.	Grant	155	$80.09
2026-03-12	DeMilia David M	L	1	$74.49
2026-02-13	DeMilia David M	L	1	$83.32
2026-01-15	SPAIN MICHAEL H	Option exercise	1.6K	—
2026-01-06	Fessenden Daniel J.	Grant	172	$72.20
2026-01-06	Lee Angela B	Grant	291	$72.20
2026-01-06	Johnson Patricia A	Grant	251	$72.20
2025-12-31	Anderson Johanna B	Disposition	2.4K	—
2025-11-21	Rahilly Ita M	Buy	1.5K	$68.36
2025-11-12	ROMAINE STEPHEN S	Grant	4.6K	$67.79
2025-11-12	Kunkel Ginger G	Grant	900	$67.79
2025-11-12	DeMilia David M	Grant	990	$67.79
2025-11-12	Anderson Johanna B	Grant	730	$67.79
2025-11-12	Torcello Diane D	Grant	1.0K	$67.79
2025-11-12	Tomazin Matthew D	Grant	1.4K	$67.79
2025-11-12	Fontaine Alyssa H	Grant	910	$67.79
2025-11-12	Guarino Charles J	Grant	685	$67.79
2025-11-12	Mastin Stacie M	Grant	685	$67.79
2025-11-12	Taylor Eric W	Grant	910	$67.79
2025-11-12	McKenna John M	Grant	1.4K	$67.79
2025-11-12	Kershaw David	Grant	550	$67.79
2025-11-09	Kershaw David	Tax withheld	64	$66.68
2025-11-09	Guarino Charles J	Tax withheld	38	$66.68
2025-11-09	Guarino Charles J	Tax withheld	43	$66.68
2025-11-09	Guarino Charles J	Tax withheld	105	$66.68
2025-11-09	ROMAINE STEPHEN S	Tax withheld	433	$66.68
2025-11-09	ROMAINE STEPHEN S	Tax withheld	370	$66.68
2025-11-09	ROMAINE STEPHEN S	Tax withheld	396	$66.68
2025-11-09	ROMAINE STEPHEN S	Tax withheld	631	$66.68
2025-11-09	Kershaw David	Tax withheld	50	$66.68
2025-11-09	Kershaw David	Tax withheld	38	$66.68
2025-11-09	Kershaw David	Tax withheld	41	$66.68
2025-11-09	Tomazin Matthew D	Tax withheld	29	$66.68
2025-11-09	Tomazin Matthew D	Tax withheld	41	$66.68
2025-11-09	Tomazin Matthew D	Tax withheld	43	$66.68
2025-11-09	Tomazin Matthew D	Tax withheld	105	$66.68
2025-11-09	Kunkel Ginger G	Tax withheld	50	$66.68
2025-11-09	Kunkel Ginger G	Tax withheld	80	$66.68
2025-11-09	McKenna John M	Tax withheld	159	$66.68
2025-11-09	McKenna John M	Tax withheld	123	$66.68
2025-11-09	McKenna John M	Tax withheld	66	$66.68
2025-11-09	McKenna John M	Tax withheld	150	$66.68
2025-11-09	Torcello Diane D	Tax withheld	47	$66.68
2025-11-09	Torcello Diane D	Tax withheld	38	$66.68
2025-11-09	Torcello Diane D	Tax withheld	38	$66.68
2025-11-09	Torcello Diane D	Tax withheld	105	$66.68
2025-11-09	Anderson Johanna B	Tax withheld	105	$66.68
2025-11-09	Mastin Stacie M	Tax withheld	19	$66.68
2025-11-09	Mastin Stacie M	Tax withheld	15	$66.68
2025-11-09	Mastin Stacie M	Tax withheld	22	$66.68
2025-11-09	Mastin Stacie M	Tax withheld	40	$66.68
2025-11-09	DeMilia David M	Tax withheld	52	$66.68
2025-11-09	DeMilia David M	Tax withheld	123	$66.68
2025-11-09	DeMilia David M	Tax withheld	66	$66.68
2025-11-09	DeMilia David M	Tax withheld	105	$66.68
2025-11-09	Fontaine Alyssa H	Tax withheld	216	$66.68
2025-11-09	Fontaine Alyssa H	Tax withheld	167	$66.68
2025-11-09	Fontaine Alyssa H	Tax withheld	90	$66.68
2025-11-09	Fontaine Alyssa H	Tax withheld	143	$66.68
2025-11-09	Guarino Charles J	Tax withheld	48	$66.68
2025-11-03	Torcello Diane D	Option exercise	690	$64.88
2025-11-03	Torcello Diane D	Tax withheld	638	$56.29
2025-11-03	McKenna John M	Option exercise	2.2K	$56.29
2025-11-03	McKenna John M	Tax withheld	2.1K	$64.88
2025-11-03	Kershaw David	Option exercise	705	$56.29
2025-11-03	Kershaw David	Tax withheld	646	$64.88
2025-10-31	BOYCE DAVID S	Disposition	4.0K	—
2025-10-15	DeMilia David M	L	2	$65.18
2025-10-06	Lee Angela B	Grant	311	$65.53
2025-10-06	Johnson Patricia A	Grant	269	$65.53
2025-09-15	DeMilia David M	L	1	$69.60
2025-08-13	DeMilia David M	L	1	$66.88
2025-07-14	DeMilia David M	L	1	$66.90
2025-07-03	Lee Angela B	Grant	322	$65.65
2025-07-03	Johnson Patricia A	Grant	268	$65.65
2025-06-12	DeMilia David M	L	2	$63.06
2025-05-19	ROMAINE STEPHEN S	Tax withheld	1.5K	$64.14
2025-05-14	DeMilia David M	L	2	$64.48
2025-04-14	DeMilia David M	L	2	$56.09
2025-04-04	Lee Angela B	Grant	303	$63.35
2025-04-03	Johnson Patricia A	Grant	278	$63.35
2025-03-12	DeMilia David M	L	2	$62.52
2025-02-12	DeMilia David M	L	1	$69.92
2025-01-15	SPAIN MICHAEL H	Option exercise	1.5K	—
2025-01-15	Rochon Thomas R.	Option exercise	2.8K	—
2025-01-15	Johnson Patricia A	Option exercise	711	—
2025-01-13	DeMilia David M	L	2	$63.34
2025-01-07	Lee Angela B	Buy	286	$67.07
2025-01-07	Johnson Patricia A	Buy	263	$67.07

All non-derivative Form 4 activity (SEC), newest first.

Supply chain

Customers (0)

Suppliers (1)

Federal Home Loan Bank of New York

Named in the 10-K; linked when we track them.

Notable events (8-K)

Date	Items
2026-05-26	Shareholder vote	filing ↗
2026-05-19	Reg FDExhibits	filing ↗
2026-04-27	Exec/director change	filing ↗
2026-04-24	ResultsOtherExhibits	filing ↗
2026-03-16	Reg FDExhibits	filing ↗
2026-01-30	ResultsOtherExhibits	filing ↗
2025-12-17	Exec/director change	filing ↗
2025-11-03	Material agreementAcquisition/dispositionExec/director changeReg FDOtherExhibits	filing ↗

Recent filings

Form	Filed	Period	Accession
8-K	2026-05-26	2026-05-19	0001999371-26-011418 ↗
8-K	2026-05-19	2026-05-19	0001999371-26-011044 ↗
10-Q	2026-05-05	2026-03-31	0001005817-26-000049 ↗
8-K	2026-04-27	2026-04-27	0001999371-26-009123 ↗
8-K	2026-04-24	2026-04-23	0001005817-26-000045 ↗
8-K	2026-03-16	2026-03-16	0001005817-26-000029 ↗
10-K	2026-02-26	2025-12-31	0001005817-26-000027 ↗
8-K	2026-01-30	2026-01-29	0001005817-26-000020 ↗
8-K	2025-12-17	2025-12-16	0001999371-25-020552 ↗
10-Q/A	2025-11-18	2025-06-30	0001005817-25-000110 ↗
10-Q/A	2025-11-18	2025-09-30	0001005817-25-000115 ↗
10-Q/A	2025-11-18	2025-03-31	0001005817-25-000117 ↗