Tompkins Financial Corporation (TMP) Income Statement
TMP 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsTMP revenue and net income
Where TMP's revenue goes
2025Each bar shows an amount and its share of revenue. TMP kept 27.8% of revenue as net income.
TMP profit margins
TMP growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +34.1% | +21.3% | +12.2% | +8.4% |
| Gross profit | +50.8% | +13.1% | +9.3% | +6.4% |
| Operating income | +141.8% | +27.0% | +18.1% | +9.9% |
| Net income | +127.3% | +23.7% | +15.7% | +10.7% |
| EPS (diluted) | +27.3% | +2.3% | +3.9% | +5.0% |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
TMP quarterly EPS vs estimates
Tompkins Financial beat the analyst EPS estimate in 7 of the last 8 quarters. Next report: October 23, 2026 (estimate $1.91).
TMP income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $578.9M | $431.6M | $297.4M | $324.7M | $316.6M | $324.9M | $333.6M | $322.8M | $292.5M | $269.1M |
| Cost of revenue | $143.9M | $143.1M | −$101,000 | $23.8M | $15.3M | $46.2M | $52.1M | $43.7M | $29.6M | $26.4M |
| Gross profit | $435.1M | $288.6M | $297.4M | $300.9M | $301.3M | $278.7M | $281.5M | $279.1M | $262.9M | $242.6M |
| Research & development | — | — | — | — | — | — | — | $0 | $0 | $0 |
| Sales, general & admin | $156.0M | $137.6M | $135.1M | $131.7M | $127.3M | $124.5M | $118.5M | $115.8M | $110.9M | $105.4M |
| Total operating expenses | $210.2M | $195.6M | −$285.4M | $191.2M | $186.8M | $181.1M | $178.6M | $174.8M | $167.7M | $156.1M |
| Operating income | $224.9M | $93.0M | $12.0M | $109.7M | $114.6M | $97.7M | $102.9M | $104.2M | $95.2M | $86.5M |
| Interest income | $382.1M | $347.6M | $284.1M | $251.3M | $241.3M | $254.3M | $261.4M | $251.6M | $226.8M | $202.7M |
| Interest expense | $132.3M | $136.5M | $87.8M | $21.0M | $17.5M | $29.0M | $50.8M | $39.8M | $25.5M | $22.1M |
| Income before taxes | $224.9M | $93.0M | $12.1M | $109.7M | $114.6M | $97.7M | $102.9M | $104.2M | $95.2M | $86.5M |
| Income taxes | $63.8M | $22.0M | $2.5M | $24.6M | $25.2M | $19.9M | $21.0M | $21.8M | $42.6M | $27.0M |
| Net income | $161.1M | $70.8M | $9.5M | $85.0M | $89.3M | $77.6M | $81.7M | $82.3M | $52.5M | $59.3M |
| EBITDA | $233.5M | $103.5M | $12.0M | $121.3M | $126.1M | $109.3M | $114.6M | $115.6M | $105.4M | $95.4M |
| EPS (diluted) | $6.30 | $4.95 | $3.98 | $5.89 | $6.25 | $5.21 | $5.38 | $5.33 | $4.43 | $3.86 |
| Gross margin | 75.1% | 66.9% | 100.0% | 92.7% | 95.2% | 85.8% | 84.4% | 86.5% | 89.9% | 90.2% |
| Operating margin | 38.8% | 21.5% | 4.0% | 33.8% | 36.2% | 30.1% | 30.8% | 32.3% | 32.6% | 32.2% |
| Net margin | 27.8% | 16.4% | 3.2% | 26.2% | 28.2% | 23.9% | 24.5% | 25.5% | 17.9% | 22.1% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $26.6M | $114.5M | $226.7M | $121.6M | $116.2M | $114.5M | $109.9M | $111.5M | $107.0M | $105.3M | $98.6M | $32.8M |
| Cost of revenue | $32.3M | $32.3M | $32.8M | $36.7M | $36.3M | $38.1M | $35.2M | $38.1M | $36.5M | $33.4M | $30.2M | $25.6M |
| Gross profit | −$5.7M | $82.2M | $193.8M | $85.0M | $79.9M | $76.4M | $74.8M | $73.4M | $70.6M | $72.0M | $68.4M | $7.2M |
| Sales, general & admin | $28.8M | $28.8M | $41.2M | $33.7M | $33.5M | $32.1M | $35.7M | $34.3M | $32.6M | $33.5M | $33.4M | $33.0M |
| Total operating expenses | $28.8M | $47.7M | $54.1M | $53.8M | $51.6M | $50.6M | $49.0M | $48.9M | $49.9M | $49.9M | $50.3M | $48.8M |
| Operating income | −$34.5M | $34.5M | $139.7M | $31.1M | $28.2M | $25.8M | $25.7M | $24.5M | $20.6M | $22.1M | $18.1M | −$41.6M |
| Interest income | $105.9M | $102.7M | $100.9M | $98.1M | $93.6M | $89.5M | $90.0M | $89.1M | $85.2M | $83.2M | $80.8M | $75.5M |
| Interest expense | $32.0M | $30.8M | $31.8M | $34.2M | $33.5M | $32.8M | $33.7M | $35.9M | $34.3M | $32.5M | $28.4M | $24.5M |
| Income before taxes | $38.5M | $34.5M | $139.7M | $31.1M | $28.2M | $25.8M | $25.7M | $24.5M | $20.6M | $22.1M | $18.1M | −$41.6M |
| Income taxes | $9.2M | $8.4M | $43.5M | $7.4M | $6.8M | $6.1M | $6.0M | $5.9M | $4.9M | $5.2M | $3.1M | −$8.3M |
| Net income | $29.3M | $26.1M | $96.2M | $23.7M | $21.5M | $19.7M | $19.7M | $18.6M | $15.7M | $16.9M | $15.0M | −$33.4M |
| EBITDA | −$32.1M | $36.8M | $141.5M | $33.2M | $30.4M | $28.1M | $28.1M | $26.8M | $23.3M | $25.2M | $21.4M | −$38.8M |
| EPS (diluted) | $2.04 | $1.82 | $1.78 | $1.65 | $1.50 | $1.37 | $1.37 | $1.30 | $1.10 | $1.18 | $1.05 | $0.99 |
| Gross margin | −21.5% | 71.8% | 85.5% | 69.9% | 68.8% | 66.7% | 68.0% | 65.8% | 65.9% | 68.3% | 69.4% | 21.9% |
| Operating margin | −129.6% | 30.1% | 61.6% | 25.6% | 24.3% | 22.5% | 23.4% | 22.0% | 19.3% | 21.0% | 18.4% | −127.0% |
| Net margin | 110.2% | 22.8% | 42.5% | 19.5% | 18.5% | 17.2% | 17.9% | 16.7% | 14.7% | 16.0% | 15.2% | −101.7% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in TMP's financial statements (latest annual report filed February 26, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
TMP financial results
In fiscal year 2025 (ended December 31, 2025), Tompkins Financial reported revenue of $578.9 million, up 34.1% from the year before. It had net income of $161.1 million (up 127.3%), a net profit margin of 27.8%. Diluted earnings per share came to $6.30. Over five years revenue grew at an average rate of 12.2% a year.
See the TMP stock overview for the latest quote and news, or the TMP chart for price history and technical indicators.
TMP income statement FAQ
What is Tompkins Financial's annual revenue?
Tompkins Financial reported total revenue of $578.9 million for fiscal year 2025, which ended on December 31, 2025. That was up 34.1% from $431.6 million the previous year.
Is Tompkins Financial profitable?
Yes. Tompkins Financial reported net income of $161.1 million in fiscal 2025, a net profit margin of 27.8%; its operating margin was 38.8%.
What is Tompkins Financial's gross margin?
Tompkins Financial's gross margin was 75.1% in fiscal 2025: for every $100 of revenue, Tompkins Financial kept $75 after the direct cost of its products and services.
How fast is Tompkins Financial growing?
Revenue grew 12.2% a year on average over the last five fiscal years, from $324.9 million to $578.9 million.
What are Tompkins Financial's earnings per share?
Tompkins Financial earned $6.30 per diluted share in fiscal 2025, compared with $4.95 a year earlier.
When will Tompkins Financial report its next earnings?
Tompkins Financial is expected to report results for the quarter ending September 30, 2026 on October 23, 2026 before the market opens.
When does Tompkins Financial's fiscal year end?
Tompkins Financial's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on February 26, 2026.