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Tompkins Financial TMP Line of Credit Maximum Borrowing Capacity

Line of Credit Maximum Borrowing Capacity at other companies

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Other financials

Income statement

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Revenue$87.1M+5.4%
Net income$29.3M+36.5%
EPS (diluted)$2.04+36.0%

Balance sheet

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Cash & equivalents$147.8M-30.5%
Total debt$122.1M-71.4%
Total equity$959.9M+26.0%
Total assets$8.8B+5.1%

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$1.42B+57.2%
P/E8.1×-3.3×
P/S3.1×+0.3×

Profitability

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Net margin38.7%+13.7pp
FCF margin28.8%0.0pp

Returns & leverage

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Return on equity20.4%+9.3pp
Debt / equity0.1×-0.5×

Where this comes from

Reported directly by Tompkins Financial in its filing.

Tagged under the XBRL concept us-gaap:LineOfCreditFacilityMaximumBorrowingCapacity.

The source filing: Tompkins Financial’s 10-K, filed February 26, 2026.

Filed
Feb 26, 2026, 12:46 PM EST
Fiscal year
FY2025
Accession
0001005817-26-000027

The Company has a $25.0 million line of credit with a bank. As of December 31, 2025 and December 31, 2024, there was no outstanding balance on the line. The line matures in June 2027.

Item 8. Financial Statements and Supplementary Data

FAQ

What is Tompkins Financial's line of credit maximum borrowing capacity?
Tompkins Financial (TMP) reported line of credit maximum borrowing capacity of $25M in Q4 2025.
How has Tompkins Financial's line of credit maximum borrowing capacity changed year-over-year?
Tompkins Financial's line of credit maximum borrowing capacity decreased by 0.0% year-over-year, from $25M to $25M.
What is the long-term trend for Tompkins Financial's line of credit maximum borrowing capacity?
Over 5 years (2020 to 2025), Tompkins Financial's line of credit maximum borrowing capacity has grown at a 0.0% compound annual growth rate (CAGR), from $25M to $25M.
What does line of credit maximum borrowing capacity mean?
This metric represents the maximum aggregate principal amount the company is authorized to borrow under its established credit facilities. It serves as a critical measure of financial flexibility and contingency liquidity available to the firm. A robust borrowing capacity ensures the company can meet unexpected funding demands or capital requirements.

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