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Tompkins Financial cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$36.9M in Q3 2026 · $49.8M over twelve months

Operating cash flow$37.9M
Capital spending−$1.0M
Free cash flow+$36.9M
Cash / net income1.3×

Analysis

In Q3 2026, Tompkins Financial generated $37.9M of operating cash flow and spent $1.0M on capital projects, leaving free cash flow of $36.9M. That is $2.0M more than in Q3 2025 ($34.9M).

Over the twelve months to Sep 30, 2026, operating cash flow was $59.0M; the largest uses were other investing ($329M), dividends ($38.7M), net borrowing (+) / repaid (−) ($38.2M); besides operations, cash came from other financing ($408M), asset & business sales ($2.5M); the cash balance rose by $48.7M.

Operating cash flow was $37.9M against net income of $28.7M — 1.3× profit, cash ran ahead of reported earnings. The largest differences: other operating capital +$4.1M, stock-based pay +$870K, gains on disposals −$0.

Free cash flow

Tompkins Financial: free cash flow by quarterTompkins Financial: free cash flow by quarter$21.7MQ4 2024$20.9MQ1 2025$17.3MQ2 2025$34.9MQ3 2025−$41.1MQ4 2025$71.1MQ1 2026−$17.1MQ2 2026$36.9MQ3 2026
Operating cash flow less capital spending.
Tompkins Financial: operating cash flow against capital spendingTompkins Financial: operating cash flow against capital spendingOperating cash flowCapital spending$23.2M$1.6MQ4 2024$22.2M$1.4MQ1 2025$18.0M$669KQ2 2025$35.9M$1.0MQ3 2025−$37.2M$3.9MQ4 2025$73.4M$2.3MQ1 2026−$15.1M$2.0MQ2 2026$37.9M$1.0MQ3 2026
Latest (Q3 2026): Operating cash flow $37.9M, Capital spending $1.0M.

Capital allocation, year by year

Tompkins Financial: where the cash came from (up) and went (down), by fiscal yearTompkins Financial: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingBuybacksDividendsFY2021: Operating cash flow $121MFY2021: Net borrowing −$144MFY2021: Asset sales $95KFY2021: Capital spending −$4.7MFY2021: Buybacks −$23.8MFY2021: Dividends −$32.4M$121MFY2021FY2022: Operating cash flow $103MFY2022: Net borrowing $167MFY2022: Shares issued $3.0MFY2022: Asset sales $223KFY2022: Capital spending −$8.2MFY2022: Buybacks −$15.4MFY2022: Dividends −$33.6M$274MFY2022FY2023: Operating cash flow $89.0MFY2023: Net borrowing $311MFY2023: Asset sales $146KFY2023: Capital spending −$6.8MFY2023: Buybacks −$8.7MFY2023: Dividends −$34.5M$400MFY2023FY2024: Operating cash flow $95.0MFY2024: Net borrowing $188MFY2024: Shares issued $170KFY2024: Asset sales $294KFY2024: Capital spending −$6.2MFY2024: Dividends −$35.0M$284MFY2024FY2025: Operating cash flow $38.9MFY2025: Net borrowing −$226MFY2025: Shares issued $119KFY2025: Asset sales $2.4MFY2025: Capital spending −$6.9MFY2025: Buybacks −$1.6MFY2025: Dividends −$36.1M$41.4MFY2025
Over these 5 years operating cash flow totalled $447M; the largest uses were net borrowing ($370M) and dividends ($172M). Cash-flow statements as filed.

Where the cash came from and went

Tompkins Financial: sources (+) and uses (−) of cash, Q3 2026Tompkins Financial: sources (+) and uses (−) of cash, Q3 2026Other financing$332MNet borrowing (+) / repaid (−)−$140MOther investing−$123MCash drawn (+) / kept (−)−$94.4MOperating cash flow$37.9MDividends−$10.0MBuybacks−$1.8MCapital spending−$1.0MShares issued$45K
Tompkins Financial: sources (+) and uses (−) of cash, TTM to Q3 2026Tompkins Financial: sources (+) and uses (−) of cash, 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 profit to cash

Tompkins Financial: net income to operating cash flow, Q3 2026Tompkins Financial: net income to operating cash flow, Q3 2026Net income$28.7MStock-based pay$870KOther operating capital$4.1MOperating cash flow$37.9M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$37.9M−$1.0M−$1.8M−$10.0M−$140M$45K−$94.4M$36.9M
Q2 2026−$15.1M−$2.0M−$964K−$9.6M$96.9M—$23.7M−$17.1M
Q1 2026$73.4M−$2.3M−$1.8M−$9.5M−$115M$42K−$38.6M$71.1M
Q4 2025−$37.2M−$3.9M−$1.6M−$9.6M$120M$30K$60.7M−$41.1M
Q3 2025$35.9M−$1.0M—−$8.8M−$228M$62K$18.1M$34.9M
Q2 2025$18.0M−$669K—−$8.9M$179M$30K−$18.5M$17.3M
Q1 2025$22.2M−$1.4M—−$8.8M−$297M$28K−$58.7M$20.9M
Q4 2024$23.2M−$1.6M—−$9.1M$251M$48K−$2.1M$21.7M

Tompkins Financial: income statement and cash flow

Tompkins Financial, Q3 2026: revenue $89.9M (+3% year over year), operating margin 42.0%. The chart follows the revenue to costs, profit and cash.

Tompkins Financial: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.