Filing Flows › Tompkins Financial (TMP) › Q3 2026 › vs Q1 2025
Tompkins Financial (TMP) Q3 2026 vs Q1 2025 (quarter over quarter)
Tompkins Financial's revenue rose $2.7M (+3%) from $87.1M in Q1 2025 to $89.9M in Q3 2026. The biggest changes: Net interest income +$3.3M (+4%); Noninterest income −$582K (-4%). Operating margin 42.0% against 44.2% (-2.2 pts).
Tompkins Financial, Q3 2026: revenue $89.9M (+3% year over year), operating margin 42.0%, net earnings $28.7M, operating cash flow $37.9M. The chart draws each line against Q1 2025, the increases inside each band.
Margins
| Q3 2026 | Q1 2025 | Change | |
|---|---|---|---|
| Operating margin | 42.0% | 44.2% | -2.2 pts |
| Net margin | 31.9% | 33.6% | -1.7 pts |
| Free cash flow margin | 41.0% | -19.7% | +60.7 pts |
Every line
| Line | Q3 2026 | Q1 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $77.3M | $74.0M | $3.3M | +4% |
| Noninterest income | $12.6M | $13.1M | −$582K | -4% |
| Revenue | $89.9M | $87.1M | $2.7M | +3% |
| Operating profit | $37.8M | $38.5M | −$794K | -2% |
| Costs & expenses | $52.1M | $48.6M | $3.5M | +7% |
| Pre-tax earnings | $37.8M | $38.5M | −$794K | -2% |
| Credit loss provision | $3.0M | $1.5M | $1.5M | +101% |
| Noninterest expense | $49.1M | $47.1M | $2.0M | +4% |
| Net earnings | $28.7M | $29.3M | −$650K | -2% |
| Income tax | $9.1M | $9.2M | −$144K | -2% |
| Share-based compensation | $870K | $1.0M | −$142K | -14% |
| Working capital & other | $8.4M | −$45.4M | $53.8M | — |
| Operating cash flow | $37.9M | −$15.1M | $53.0M | — |
| Free cash flow (OCF − capex) | $36.9M | −$17.1M | $54.0M | — |
| Capital expenditures | $1.0M | $2.0M | −$1.0M | -50% |
Questions
How much did Tompkins Financial's revenue grow quarter over quarter in Q3 2026?
Tompkins Financial's revenue rose $2.7M (+3%) from $87.1M in Q1 2025 to $89.9M in Q3 2026.
What drove Tompkins Financial's revenue change in Q3 2026?
Net interest income +$3.3M (+4%); Noninterest income −$582K (-4%).