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Tompkins Financial TMP Q4 2025 Annual earnings

Reported January 30, 2026 · Before market open

Revenue$194.8MBeat by $58.7M
EPS$1.78Beat by $0.02
Revenue estimate$136.2M
EPS estimate$1.76

Next report

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

Financials

Q4 2025

Income statement

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Revenue$194.8M+153%
Net income$96.2M+390%
EPS (diluted)$6.72+387%

Balance sheet

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Cash & equivalents$132.8M-1.2%
Total debt$122.1M-71.4%
Total equity$938.4M+31.5%
Total assets$8.7B+6.9%

Cash flow

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CapEx$3.9M+146%

Valuation & ratios

Valuation

as of 12/31/25
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Market cap$1.05B+7.2%
Enterprise value$1.04B-18.3%
P/E6.5×-7.3×
P/S2.3×-0.9×

Profitability

See full
Net margin36.1%+12.4pp

Returns & leverage

See full
Return on equity19.5%+9.2pp
Debt / equity0.1×-0.5×

Segments

By product

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Insurance Revenues$8.9M-9.0%
Investment Service Income$5.0M+2.7%

FAQ

When did Tompkins Financial report Q4 2025 earnings?
Tompkins Financial (TMP) reported Q4 2025 earnings on January 30, 2026 before market open.
What were Tompkins Financial's Q4 2025 revenue and EPS?
Tompkins Financial reported revenue of $194.8M and eps of $1.78 for Q4 2025.
Did Tompkins Financial beat estimates in Q4 2025?
Revenue beat the consensus estimate of $136.2M by $58.7M. EPS beat the consensus estimate of $1.76 by $0.02.
How did Tompkins Financial's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 155.8% from $76.2M a year earlier and eps grew 29.9% from $1.37.
Where can I find Tompkins Financial's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001005817-26-000020) and the 10-K periodic report (0001005817-26-000027) directly on SEC EDGAR. The filing index links above go to sec.gov.