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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 3 months)
Revenue estimate$89.8M
EPS estimate$1.92

Financials

Q4 2025

Income statement

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

Balance sheet

See full
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

See full
CapEx$3.9M+146%

Valuation & ratios

Valuation

as of 12/31/25
See full
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

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

Versus estimates

Revenue

Q2 2026$87.1MBeat by $185.5KQ1 2026$83.7MBeat by $50.5K
Q4 2025$194.8MBeat by $58.7M
Q3 2025$87.4MBeat by $742.0KQ2 2025$82.6MMiss by $2.9MQ1 2025$81.7MBeat by $1.7M

Diluted EPS

Q2 2026$2.04Beat by $0.22Q1 2026$1.82Beat by $0.11
Q4 2025$1.78Beat by $0.02
Q3 2025$1.65Miss by $0.05Q2 2025$1.50Beat by $0.07Q1 2025$1.37Beat by $0.06

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Questions, answered.

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.