Filing Flows › Tompkins Financial (TMP) › Q1 2025 › vs Q4 2024
Tompkins Financial (TMP) Q1 2025 vs Q4 2024 (quarter over quarter)
Tompkins Financial's revenue rose $4.6M (+6%) from $77.1M in Q4 2024 to $81.7M in Q1 2025. Operating margin 31.6% against 33.4% (-1.8 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 Q4 2024, the increases inside each band.
Margins
| Q1 2025 | Q4 2024 | Change | |
|---|---|---|---|
| Operating margin | 31.6% | 33.4% | -1.8 pts |
| Net margin | 24.1% | 25.5% | -1.4 pts |
| Free cash flow margin | 25.5% | 28.1% | -2.5 pts |
Every line
| Line | Q1 2025 | Q4 2024 | Change | % |
|---|---|---|---|---|
| Revenue | $81.7M | $77.1M | $4.6M | +6% |
| Operating profit | $25.8M | $25.7M | $67K | +0.3% |
| Costs & expenses | $55.9M | $51.4M | $4.5M | +9% |
| Pre-tax earnings | $25.8M | $25.7M | $67K | +0.3% |
| Credit loss provision | $5.3M | $1.4M | $3.9M | +275% |
| Noninterest expense | $50.6M | $50.0M | $641K | +1% |
| Net earnings | $19.7M | $19.7M | −$9K | 0% |
| Income tax | $6.1M | $6.0M | $76K | +1% |
| Share-based compensation | $943K | $1.9M | −$995K | -51% |
| Working capital & other | $1.6M | $1.6M | −$20K | -1% |
| Operating cash flow | $22.2M | $23.2M | −$1.0M | -4% |
| Free cash flow (OCF − capex) | $20.9M | $21.7M | −$792K | -4% |
| Capital expenditures | $1.4M | $1.6M | −$232K | -15% |
Questions
How much did Tompkins Financial's revenue grow quarter over quarter in Q1 2025?
Tompkins Financial's revenue rose $4.6M (+6%) from $77.1M in Q4 2024 to $81.7M in Q1 2025. Operating margin 31.6% against 33.4% (-1.8 pts).