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Tompkins Financial TMP Short-Term Borrowings

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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$1.44B+58.4%
P/E8.2×-3.2×
P/S3.2×+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:FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate.

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

At December 31, 2025, there were $395.0 million in overnight advances and $169.4 million in term advances with the FHLB, with a weighted average rate of 4.02%, compared to $247.0 million in overnight advances and $543.2 million in term advances with a weighted average rate of 4.52%, at December 31, 2024. At December 31, 2025, the term advances with the FHLB includes $94.4 million which matures within one year and $75.0 million which matures in over one year. Maturities of advances due in over one year include $50.0 million in 2027 and $25.0 million in 2028.

Item 8. Financial Statements and Supplementary Data

FAQ

What is Tompkins Financial's short-term borrowings?
Tompkins Financial (TMP) reported short-term borrowings of $94.4M in Q4 2025.
How has Tompkins Financial's short-term borrowings changed year-over-year?
Tompkins Financial's short-term borrowings decreased by 76.3% year-over-year, from $398.2M to $94.4M.
What is the long-term trend for Tompkins Financial's short-term borrowings?
Over 5 years (2020 to 2025), Tompkins Financial's short-term borrowings has grown at a 25.8% compound annual growth rate (CAGR), from $30M to $94.4M.
What does short-term borrowings mean?
Bank lines of credit, revolving credit facilities, and other short-term debt instruments with maturities under one year.

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