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Tompkins Financial (TMP) earnings and revenue breakdown

Latest: Q3 2026 · 10-Q filed Oct 30, 2026 · Tompkins Financial (TMP) Q3 2026 earnings results →

Q3 2026 Revenue up 3% year over year to $89.9M · 32¢ of every $1 of revenue kept as net profit · operating margin 42.0%

Tompkins Financial made $89.9M in Q3 2026 (+3% Y/Y): Net interest income $77.3M, Noninterest income $12.6M. Operating margin 42.0%, net earnings $28.7M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Oct 30, 2026.

Revenue$89.9M
Year over year+3%
Operating margin42.0%
Net earnings$28.7M
Operating cash flow$37.9M

Drawing the Sankey…

Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF

What changed this quarter

Revenue was $89.9M in Q3 2026, up 3% year over year and up 3% from the previous quarter. Net interest income was the largest line at 86% of revenue. Net interest income added $13.4M year over year (up 21%), 557% of the total change. Noninterest income declined 47%.

Operating profit was $37.8M, a 42.0% margin (up 6.4 points year over year). Of the extra revenue versus a year earlier, 276% reached operating profit, above the 36% margin then. Total costs fell 8% while revenue rose 3%. The fastest-growing cost line was Credit loss provision (+21%). Net earnings were $28.7M, up 21% year over year. The effective tax rate was 24.1%.

Operating cash flow was $37.9M (up 6% year over year), 132% of net earnings. Non-cash charges added back $870K of share-based compensation. Working capital and other items added $8.4M. Capital expenditures of $1.0M left free cash flow of $36.9M.

Quarterly history

Tompkins Financial revenue by quarterTompkins Financial revenue by quarter$77.1MQ4 2024$81.7MQ1 2025$89.9MQ3 2026
Tompkins Financial net earnings by quarterTompkins Financial net earnings by quarter$19.7MQ4 2024$19.7MQ1 2025$28.7MQ3 2026
QuarterFormFiledRevenueY/YOp. marginNet earningsOp. cash flow
Q3 202610-QOct 30, 2026$89.9M+3%42.0%$28.7M$37.9M
Q1 202510-QMay 6, 2025$81.7M+12%31.6%$19.7M$22.2M
Q4 202410-KFeb 28, 2025$77.1M+8%33.4%$19.7M$23.2M

Charts

Tompkins Financial: revenue growth, year over year and quarter over quarterTompkins Financial: revenue growth, year over year and quarter over quarterY/YQ/Q+8%Q4 2024+12%+6%Q1 2025+3%+10%Q3 2026
Latest (Q3 2026): Y/Y +3%, Q/Q +10%.
Tompkins Financial: where the cash came from (+) and went (−), TTM to Q3 2026Tompkins Financial: where the cash came from (+) and went (−), TTM to Q3 2026Other financing$408MOther investing−$329MOperating cash flow$59.0MCash drawn (+) / kept (−)−$48.7MDividends−$38.7MNet borrowing (+) / repaid (−)−$38.2MCapital spending−$9.3MBuybacks−$6.2MAsset & business sales$2.5M
From the cash-flow statement as filed (SEC XBRL). Cash is fungible: the bars do not say which dollar paid for what.
Tompkins Financial: profit against cash, quarter by quarterTompkins Financial: profit against cash, quarter by quarterNet incomeOperating cash flow$19.7M$23.2MQ4 2024$19.7M$22.2MQ1 2025$21.5M$18.0MQ2 2025$23.7M$35.9MQ3 2025$96.2M−$37.2MQ4 2025$26.1M$73.4MQ1 2026$29.3M−$15.1MQ2 2026$28.7M$37.9MQ3 2026
Latest (Q3 2026): Net income $28.7M, Operating cash flow $37.9M.
Tompkins Financial: diluted shares by fiscal yearTompkins Financial: diluted shares by fiscal year15MFY202015MFY202114MFY202214MFY202314MFY202414MFY2025
-2.8% since FY2020: buybacks shrank the count.
Tompkins Financial in its industry: growth against margin (133 companies, SIC 6022)Tompkins Financial in its industry: growth against margin (133 companies, SIC 6022)revenue growth, year over year →↑ operating marginmedian +9%median 40%BNYSTTFITBMTBFCNCAALLYCFGNTRSWALBPOPEWBCWTFCCOLBSSBCBSHASBHWCAUBGBCIUBSIABCBHTHHOMBUCBRNSTFBPCATYFIBKCUBIFHBIBOCMBINSBCFBOHCVBFBUSEEFSCOFGLOBFBKFFINSFBSMCHBCCBFBNCGABCBYSYBTPEBOTCBKOBKSTBAFMBHRBCAACNOBAMALMCBQCRHOSBCFMNBBFSTUVSPCCNEMSBIHBTEQBKCTBICPFTHFFMPBSBSIMBWMLKFNIBCPEGBNSPFIWASHCCBGCOFSCWBCHBIAACNBGSBCFSBCTRSTCIVBFCBCMCBSFBIZINBKBWBCBANMVBFBSRRCZNCCFFIRBBISTRUNTYBWFGBMRCRRBIPCBFCBMCHMGCZFSNWFLWTBAMYFWAVBHOPBKUSCBFCCOEBMTCOSOFXNCPKBKISBAPEBKBPRNBRBSHNVRMNSBFVCBCCFNSBFGJMSBBOTJNWPPFUSBAUBNJUVFTMP (+3%, 42%)
State Commercial Banks; dot size is quarterly revenue; dashed lines are the industry's medians.

Interactive views

The same charts as the app — open one to draw it.

💵Where each $1 goesinteractive

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🌏Named in Asian annual reportsinteractive

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🔄Rotation against the market and its industry (RRG)interactive

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🔍Earnings qualityinteractive

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⚖️Fair value by methodinteractive

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🔭Outlook & guidanceinteractive

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📈Investments: gains and what it boughtinteractive

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🏭Its industry’s money flow (input-output)interactive

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About Tompkins Financial

The disclosures set forth in this Item 1. Business are qualified by the section captioned "Forward-Looking Statements" in Item 7. Management’s Discussion and Analysis of Financial Condition and Results of Operations of this Report and other cautionary statements set forth elsewhere in this Report. Tompkins Financial Corporation ("Tompkins" or the "Company") is headquartered in Ithaca, New York and is registered as a Financial Holding Company with the Federal Reserve Board under the Bank Holding Company Act of 1956, as amended. The Company is a locally-oriented, community-based financial services organization that offers a full array of products and services, including commercial and consumer banking, leasing, trust and investment management, financial planning and wealth management services.

In its own words, from its 10-K, filed Feb 26, 2026.

Tompkins Financial against its State Commercial Banks peers

The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +3% against the peers' median +10%. Operating margin: 42.0% against the peers' median 34.7%.

CompanyQuarterRevenueY/YOp. margin
TMP Tompkins FinancialQ3 2026$89.9M+3%42.0%
BNY Bank of New York MellonQ3 2026$5.7B+12%38.5%
STT State StreetQ3 2026$4.0B+13%34.7%
FITB Fifth Third BancorpQ3 2026$3.3B+42%33.8%
MTB M&T BankQ3 2026$2.5B+0.9%39.7%
FCNCA First Citizens BancsharesQ3 2026$2.4B0%33.1%
ALLY Ally FinancialQ3 2026$2.3B+8%24.3%
CFG Citizens Financial GroupQ3 2026$2.3B+10%34.6%
NTRS Northern TrustQ3 2026$2.3B+13%34.7%

Source: Tompkins Financial 10-Q on SEC EDGAR · CIK 1005817 · State Commercial Banks

Guidance and outlook

Tompkins Financial: what its forward-looking statements are about (10-Q filed 2026-10-30)Tompkins Financial: what its forward-looking statements are about (10-Q filed 2026-10-30)Other4Deals1Financing1Demand1
7 statements; tone -0.29 (−1 all cautious, +1 all confident); 1 hedged.
Tompkins Financial: outlook statements against the filing beforeTompkins Financial: outlook statements against the filing beforeConfident1Cautious3

13F: who owns TMP and who is buying

Largest holders of TMP (13F)Largest holders of TMP (13F)BlackRock$194MState Street$114MTompkins Financial$106MVanguard Group$101MVanguard Portfolio Management LLC$72.5MDimensional Fund Advisors LP$57.4MVanguard Capital Management LLC$53.9MAmerican Century Companies$39.0MGeode Capital Management, LLC$35.0MMorgan Stanley$15.8M
Funds' net buying of TMP by quarter (13F)Funds' net buying of TMP by quarter (13F)$710K2024-09$3.0M2024-12$6.7M2025-03$3.2M2025-06−$8.7M2025-09$12.0M2025-12$7.5M2026-03$38.5M2026-06
Value of shares 13F filers added minus the value they sold, each quarter (quarters with most filings in).

More on TMP

History

Every quarter: Q3 2026 results · Q1 2025 results · Q4 2024 results

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