What is Tompkins Financial's current debt?

Tompkins Financial (TMP) reported current debt of $0 in Q4 2025.

What does current debt mean?

The portion of long-term debt maturing within the next 12 months, requiring refinancing or repayment from operating cash flows.

Tompkins Financial TMP Current Debt

Current Debt at other companies

M&T BankMTB

$7.85B+399%

KeyCorpKEY

$6.15B+164%

First Commonwealth FinancialFCF

$22.86M-70.5%

Financial InstitutionsFISI

$114M+107%

F.N.B. CorporationFNB

$2.16B+9.5%

CTB

Community Trust BancorpCTBI

$309.3M+28.5%

Other financials

Income statement

See full

Revenue$83.7M+2.4%

Net income$26.1M+32.5%

EPS (diluted)$1.82+32.8%

Balance sheet

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Cash & equivalents$171.4M-11.2%

Total debt$122.1M-71.4%

Total equity$946.7M+27.7%

Total assets$8.7B+6.1%

Cash flow

See full

Operating cash flow$73.4M+230%

CapEx$2.3M+72.2%

Free cash flow$71.1M+241%

Valuation

See full

Market cap$1.34B+53.1%

P/E8×-3.9×

P/S3×+0.1×

Profitability

See full

Net margin37.3%+13.4pp

FCF margin28.8%0.0pp

Returns & leverage

See full

Return on equity19.8%+9.4pp

Debt / equity0.1×-0.5×

Where this comes from

Reported directly by Tompkins Financial in its filing.

Tagged under the XBRL concept us-gaap:ShortTermBankLoansAndNotesPayable.

The official record: Tompkins Financial’s 10-K, filed February 26, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Tompkins Financial's current debt?: Tompkins Financial (TMP) reported current debt of $0 in Q4 2025.
What does current debt mean?: The portion of long-term debt maturing within the next 12 months, requiring refinancing or repayment from operating cash flows.