Filing Flows › Tompkins Financial (TMP) › Q1 2025 › vs Q1 2024
Tompkins Financial (TMP) Q1 2025 vs Q1 2024 (year over year)
Tompkins Financial's revenue rose $8.9M (+12%) from $72.8M in Q1 2024 to $81.7M in Q1 2025. The biggest changes: Other revenues +$7.6M (+14%); Subtotal Insurance Revenues +$1.4M (+14%); Card Services Income −$313K (-11%). Operating margin 31.6% against 30.4% (+1.2 pts).
Tompkins Financial, Q1 2025: revenue $81.7M (+12% year over year), operating margin 31.6%, net earnings $19.7M, operating cash flow $22.2M. The chart draws each line against Q1 2024, the increases inside each band.
Margins
| Q1 2025 | Q1 2024 | Change | |
|---|---|---|---|
| Operating margin | 31.6% | 30.4% | +1.2 pts |
| Net margin | 24.1% | 23.2% | +0.9 pts |
| Free cash flow margin | 25.5% | 30.0% | -4.5 pts |
Every line
| Line | Q1 2025 | Q1 2024 | Change | % |
|---|---|---|---|---|
| Commissions and Fees | $9.6M | $8.9M | $684K | +8% |
| Trust and Asset Management | $4.9M | $4.5M | $454K | +10% |
| Contingent Commissions | $2.0M | $1.3M | $713K | +55% |
| Mutual Fund & Investment Income | $197K | $469K | −$272K | -58% |
| Subtotal Insurance Revenues | $11.6M | $10.2M | $1.4M | +14% |
| Subtotal Investment Service Income | $5.1M | $4.9M | $182K | +4% |
| Card Services Income | $2.6M | $2.9M | −$313K | -11% |
| Service Charges on Deposit Accounts | $1.8M | $1.8M | $9K | +0.5% |
| Other | $357K | $320K | $37K | +12% |
| Installment Billing | $30K | $54K | −$24K | -44% |
| Other revenues | $60.1M | $52.5M | $7.6M | +14% |
| Revenue | $81.7M | $72.8M | $8.9M | +12% |
| Operating profit | $25.8M | $22.1M | $3.7M | +17% |
| Costs & expenses | $55.9M | $50.7M | $5.2M | +10% |
| Pre-tax earnings | $25.8M | $22.1M | $3.7M | +17% |
| Credit loss provision | $5.3M | $854K | $4.4M | +519% |
| Noninterest expense | $50.6M | $49.9M | $750K | +2% |
| Net earnings | $19.7M | $16.9M | $2.8M | +16% |
| Income tax | $6.1M | $5.2M | $923K | +18% |
| Share-based compensation | $943K | $984K | −$41K | -4% |
| Working capital & other | $1.6M | $5.4M | −$3.8M | -70% |
| Operating cash flow | $22.2M | $23.2M | −$1.0M | -4% |
| Free cash flow (OCF − capex) | $20.9M | $21.9M | −$980K | -4% |
| Capital expenditures | $1.4M | $1.4M | −$36K | -3% |
Questions
How much did Tompkins Financial's revenue grow year over year in Q1 2025?
Tompkins Financial's revenue rose $8.9M (+12%) from $72.8M in Q1 2024 to $81.7M in Q1 2025.
What drove Tompkins Financial's revenue change in Q1 2025?
Other revenues +$7.6M (+14%); Subtotal Insurance Revenues +$1.4M (+14%); Card Services Income −$313K (-11%).