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Tompkins Financial TMP Capital Conservation Buffer

Capital Conservation Buffer at other companies

OceanFirst Financial logo
OceanFirst FinancialOCFC
$0.110.0%
Banner Corporation logo
Banner CorporationBANR
$0.080.0%
Metropolitan Bank Holding Corp. logo
Metropolitan Bank Holding Corp.MCB
8%0.0pp
Heritage Financial logo
Heritage FinancialHFWA
$0.080.0%
Citigroup logo
CitigroupC
$0.080.0%
Bank of America logo
Bank of AmericaBAC
$0.030.0%

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+53.1%
P/E-3.9×
P/S+0.1×

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
Debt / equity0.1×-0.5×

Where this comes from

Reported directly by Tompkins Financial in its filing.

Tagged under the XBRL concept us-gaap:CapitalRequiredForCapitalAdequacyToRiskWeightedAssets.

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 capital conservation buffer?
Tompkins Financial (TMP) reported capital conservation buffer of $0.11 in Q4 2025.
How has Tompkins Financial's capital conservation buffer changed year-over-year?
Tompkins Financial's capital conservation buffer decreased by 0.0% year-over-year, from $0.11 to $0.11.
What is the long-term trend for Tompkins Financial's capital conservation buffer?
Over 5 years (2020 to 2025), Tompkins Financial's capital conservation buffer has grown at a 0.0% compound annual growth rate (CAGR), from $0.11 to $0.11.
What does capital conservation buffer mean?
The capital conservation buffer is an additional layer of high-quality capital that banks are required to hold above minimum regulatory requirements. It is designed to be drawn down during periods of economic stress to absorb losses while allowing the institution to continue its operations. A robust buffer provides management with greater flexibility and demonstrates a conservative approach to capital preservation.