Filing Flows › Tompkins Financial (TMP) › Q3 2026
Tompkins Financial (TMP) Q3 2026 earnings results (third quarter 2026)
10-Q filed Oct 30, 2026
Tompkins Financial (TMP) reported revenue of $89.9M for the third quarter 2026 (Q3 2026), +3% from a year earlier and +3% from the quarter before. Operating margin was 42.0%, net earnings $28.7M (31.9% of revenue).
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 follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $89.9M | +3% | +3% |
| Operating profit | $37.8M | -2% | +21% |
| Net earnings | $28.7M | -2% | +21% |
| Operating cash flow | $37.9M | — | +6% |
| Free cash flow | $36.9M | — | +6% |
What changed
Revenue was $89.9M in Q3 2026, up 3% year over year and up 3% from the previous quarter. Net interest income was the largest line at 86% of revenue. Net interest income added $13.4M year over year (up 21%), 557% of the total change. Noninterest income declined 47%.
Operating profit was $37.8M, a 42.0% margin (up 6.4 points year over year). Of the extra revenue versus a year earlier, 276% reached operating profit, above the 36% margin then. Total costs fell 8% while revenue rose 3%. The fastest-growing cost line was Credit loss provision (+21%). Net earnings were $28.7M, up 21% year over year. The effective tax rate was 24.1%.
Operating cash flow was $37.9M (up 6% year over year), 132% of net earnings. Non-cash charges added back $870K of share-based compensation. Working capital and other items added $8.4M. Capital expenditures of $1.0M left free cash flow of $36.9M.
Questions
What was Tompkins Financial's revenue in the third quarter 2026?
Tompkins Financial (TMP) reported revenue of $89.9M for the third quarter 2026 (Q3 2026), +3% from a year earlier and +3% from the quarter before.
Was Tompkins Financial profitable in the third quarter 2026?
Operating profit was $37.8M (42.0% of revenue) and net earnings $28.7M.
Source: Tompkins Financial 10-Q on SEC EDGAR.