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Tompkins Financial TMP Debt-to-equity

Debt-to-equity at other companies

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M&T BankMTB
+0.5×
KeyCorp logo
KeyCorpKEY
0.9×+0.1×
First Commonwealth Financial logo
First Commonwealth FinancialFCF
0.1×-0.1×
Community Financial System logo
Community Financial SystemCBU
0.2×-0.1×
Trico Bancshares logo
Trico BancsharesTCBK
0.0×
F.N.B. Corporation logo
F.N.B. CorporationFNB
0.7×-0.1×

Other financials

Income statement

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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

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Operating cash flow$73.4M+230%
CapEx$2.3M+72.2%
Free cash flow$71.1M+241%

Valuation

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Market cap$1.34B+24.1%
P/E-6.6×
P/S-0.5×

Profitability

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Net margin37.3%+13.4pp
FCF margin28.8%0.0pp

Returns & leverage

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Return on equity19.8%+9.4pp

Where this comes from

Calculated from Tompkins Financial’s reported figures.

Based on the most recent quarter.

The official record: Tompkins Financial’s 10-Q, filed May 5, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Tompkins Financial's debt-to-equity?
Tompkins Financial (TMP) reported debt-to-equity of 0.1× in Q4 2025.
How has Tompkins Financial's debt-to-equity changed year-over-year?
Tompkins Financial's debt-to-equity decreased by 78.2% year-over-year, from 0.6× to 0.1×.
What is the long-term trend for Tompkins Financial's debt-to-equity?
Over 5 years (2020 to 2025), Tompkins Financial's debt-to-equity has grown at a 25.4% compound annual growth rate (CAGR), from 0× to 0.1×.
What does debt-to-equity mean?
Total debt (including capitalized leases and financing obligations) divided by shareholders' equity at the quarter end. Measures how much the company is financed by debt relative to equity.