Filing Flows › Tompkins Financial (TMP) › Q3 2026 › vs Q3 2025
Tompkins Financial (TMP) Q3 2026 vs Q3 2025 (year over year)
Tompkins Financial's revenue rose $2.4M (+3%) from $87.4M in Q3 2025 to $89.9M in Q3 2026. The biggest changes: Net interest income +$13.4M (+21%); Noninterest income −$11.0M (-47%). Operating margin 42.0% against 35.6% (+6.4 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 Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 42.0% | 35.6% | +6.4 pts |
| Net margin | 31.9% | 27.1% | +4.8 pts |
| Free cash flow margin | 41.0% | 39.9% | +1.1 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $77.3M | $63.9M | $13.4M | +21% |
| Noninterest income | $12.6M | $23.6M | −$11.0M | -47% |
| Revenue | $89.9M | $87.4M | $2.4M | +3% |
| Operating profit | $37.8M | $31.1M | $6.7M | +21% |
| Costs & expenses | $52.1M | $56.3M | −$4.2M | -8% |
| Pre-tax earnings | $37.8M | $31.1M | $6.7M | +21% |
| Credit loss provision | $3.0M | $2.5M | $522K | +21% |
| Noninterest expense | $49.1M | $53.8M | −$4.8M | -9% |
| Net earnings | $28.7M | $23.7M | $5.0M | +21% |
| Income tax | $9.1M | $7.4M | $1.7M | +22% |
| Share-based compensation | $870K | $1.1M | −$180K | -17% |
| Working capital & other | $8.4M | $11.2M | −$2.8M | -25% |
| Operating cash flow | $37.9M | $35.9M | $2.0M | +6% |
| Free cash flow (OCF − capex) | $36.9M | $34.9M | $2.0M | +6% |
| Capital expenditures | $1.0M | $1.0M | $14K | +1% |
Questions
How much did Tompkins Financial's revenue grow year over year in Q3 2026?
Tompkins Financial's revenue rose $2.4M (+3%) from $87.4M in Q3 2025 to $89.9M in Q3 2026.
What drove Tompkins Financial's revenue change in Q3 2026?
Net interest income +$13.4M (+21%); Noninterest income −$11.0M (-47%).