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Tompkins Financial TMP Q3 2025 earnings

Reported October 24, 2025 · Before market open

Revenue$87.4MBeat by $742.0K
EPS$1.65Miss by $0.05
Revenue estimate$86.7M
EPS estimate$1.70

Next report

Oct 23, 2026 (in a month)
Revenue estimate$89.6M
EPS estimate$1.91

Financials

Q3 2025

Income statement

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Revenue$87.4M+14.2%
Net income$23.7M+27.0%
EPS (diluted)$1.65+26.9%

Balance sheet

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Cash & equivalents$193.5M+46.2%
Total equity$788.8M+9.6%
Total assets$8.5B+5.8%

Cash flow

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Operating cash flow$34.9M+64.7%
CapEx$1.0M-55.7%
Free cash flow$33.9M+79.0%

Valuation & ratios

Valuation

as of 09/30/25
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Market cap$955.51M+16.3%
P/E11.3×-1.1×
P/S2.9×+0.1×

Profitability

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Net margin25.7%+3.1pp
FCF margin28.8%0.0pp

Returns & leverage

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Return on equity11.2%+1.3pp

Segments

By product

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Insurance Revenues$8.9M—
Investment Service Income$5.0M—

FAQ

When did Tompkins Financial report Q3 2025 earnings?
Tompkins Financial (TMP) reported Q3 2025 earnings on October 24, 2025 before market open.
What were Tompkins Financial's Q3 2025 revenue and EPS?
Tompkins Financial reported revenue of $87.4M and eps of $1.65 for Q3 2025.
Did Tompkins Financial beat estimates in Q3 2025?
Revenue beat the consensus estimate of $86.7M by $742.0K. EPS missed the consensus estimate of $1.70 by $0.05.
How did Tompkins Financial's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 15.7% from $75.6M a year earlier and eps grew 26.9% from $1.30.
Where can I find Tompkins Financial's Q3 2025 SEC filings?
You can read the 8-K earnings release (0001005817-25-000038) and the 10-Q periodic report (0001005817-25-000040) directly on SEC EDGAR. The filing index links above go to sec.gov.