Filing Flows › Tompkins Financial (TMP) › How it makes money
How Tompkins Financial (TMP) makes money
Tompkins Financial (TMP) made $89.9M of revenue in the third quarter 2026 (Q3 2026), +3% from a year earlier. Net interest income brought in $77.3M (86%); Noninterest income brought in $12.6M (14%). Of every dollar of revenue, 42¢ was left as operating profit, 32¢ was left as net earnings.
Drawing the Sankey…
Revenue by segment, Q3 2026
| Segment | Revenue | Share | Q/Q | Y/Y |
|---|---|---|---|---|
| Net interest income | $77.3M | 86.0% | +4% | +21% |
| Noninterest income | $12.6M | 14.0% | -4% | -47% |
Where each dollar of revenue goes
| Line | Q3 2026 | % of revenue |
|---|---|---|
| Revenue | $89.9M | 100.0% |
| Operating profit | $37.8M | 42.0% |
| Income tax | $9.1M | 10.1% |
| Net earnings | $28.7M | 31.9% |
| Operating cash flow | $37.9M | 42.2% |
| Free cash flow | $36.9M | 41.0% |
Revenue, quarter by quarter
| Quarter | Revenue | Y/Y |
|---|---|---|
| Q3 2026 | $89.9M | +3% |
| Q1 2025 | $81.7M | +12% |
| Q4 2024 | $77.1M | +8% |
From Tompkins Financial's 10-Q filed Oct 30, 2026 (on EDGAR).
Questions
How does Tompkins Financial make money?
Tompkins Financial (TMP) made $89.9M of revenue in the third quarter 2026 (Q3 2026), +3% from a year earlier. Net interest income brought in $77.3M (86%); Noninterest income brought in $12.6M (14%). Of every dollar of revenue, 42¢ was left as operating profit, 32¢ was left as net earnings.
What is Tompkins Financial's biggest business?
Net interest income: $77.3M in the third quarter 2026, 86% of revenue, +21% from a year earlier.
What is Tompkins Financial's profit margin?
Net earnings were $28.7M, 31.9% of revenue, in the third quarter 2026; the operating margin was 42.0%.
Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.