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Tompkins Financial TMP Banking — Interest Expense, Operating

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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+55.2%
P/E8.1×-3.4×
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:InterestExpenseOperating.

The source filing: Tompkins Financial’s 10-Q, filed May 5, 2026.

Filed
May 5, 2026, 10:15 AM EDT
Fiscal quarter
Q1 FY2026
Calendar quarter
Q1 2026
Accession
0001005817-26-000049
(In thousands, except per share data) (Unaudited)Three Months Ended / 03/31/2026Three Months Ended / 03/31/2025
Other deposits21,53122,143
Federal funds purchased and securities sold under agreements to repurchase1841
Other borrowings4,7816,109
Total Interest Expense30,80832,800
Net Interest Income71,86156,662
Less: Provision for credit loss expense1,5025,287
Net Interest Income After Provision for Credit Loss Expense70,35951,375
NONINTEREST INCOME

Item 1. Consolidated Statements of Condition as of March 31, 202

FAQ

What is Tompkins Financial's banking — interest expense, operating?
Tompkins Financial (TMP) reported banking — interest expense, operating of $30.81M in Q1 2026.
How has Tompkins Financial's banking — interest expense, operating changed year-over-year?
Tompkins Financial's banking — interest expense, operating decreased by 6.1% year-over-year, from $32.8M to $30.81M.
What is the long-term trend for Tompkins Financial's banking — interest expense, operating?
Over 3 years (2022 to 2025), Tompkins Financial's banking — interest expense, operating has grown at a 84.6% compound annual growth rate (CAGR), from $21.05M to $132.35M.
What does banking — interest expense, operating mean?
Measures the total costs incurred by the banking segment to fund its operations, primarily through interest paid on customer deposits and other borrowings. Monitoring this helps assess the segment's cost of funds and sensitivity to interest rate fluctuations.

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