TOMPKINS FINANCIAL CORP SEC 10-Q Report

Tompkins Financial Corp, a diversified financial services company operating through its Banking, Insurance, and Wealth Management segments, has released its Form 10-Q report for the third quarter of 2025. The report highlights significant financial growth and robust operational performance, underscoring the company's strategic focus on community-based financial services.

Financial Highlights

Total Interest and Dividend Income: $98.056 million, reflecting an increase from $89.129 million in the prior year period, driven by higher loan income.

Net Interest Income: $63.878 million, up from $53.193 million, indicating improved interest margins.

Net Income Attributable to Tompkins Financial Corporation: $23.673 million, compared to $18.638 million in the previous year, showcasing strong bottom-line growth.

Basic Earnings Per Share: $1.66, an increase from $1.31, highlighting enhanced shareholder value.

Diluted EPS: $1.65, up from $1.30, reflecting the company's improved profitability.

Business Highlights

Revenue Segments: The company operates through three main segments: Banking, Insurance, and Wealth Management. The Banking segment is the largest, contributing significantly to the company's overall revenue. The Insurance segment provides property and casualty insurance services and employee benefits consulting, while the Wealth Management segment offers trust and estate services, investment management, and financial planning.

Geographical Performance: Tompkins Community Bank operates 54 banking offices across New York and Pennsylvania, with a strong presence in Ithaca, the Genesee Valley region, counties north of New York City, and southeastern Pennsylvania. The regional distribution of offices supports the company's community-based financial services approach.

Sales Units: The Banking segment reported a net interest income of $63,877,000 for the three months ended September 30, 2025, reflecting the segment's robust performance in generating interest income from loans and other banking activities.

Future Outlook: The company continues to focus on its community-based financial services model, leveraging its regional presence to drive growth in its Banking, Insurance, and Wealth Management segments. The management remains optimistic about maintaining strong operational performance through strategic initiatives and market expansion.

SEC Filing: TOMPKINS FINANCIAL CORP [ TMP ] - 10-Q - Oct. 28, 2025