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Tompkins Financial TMP Banking — Interest Income (Expense), Operating

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Wealth Management
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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+57.2%
P/E8.2×-3.3×
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:InterestIncomeExpenseNet.

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)BankingWealth ManagementIntercompanyConsolidated
Interest income$102,669$0$0$102,669
Interest expense30,8080030,808
Net interest income71,8610071,861
Provision for credit loss expense1,502001,502
Noninterest income6,4685,366011,834
Noninterest expense43,5784,148047,726
Income before income tax expense33,2491,218034,467
Income tax expense8,08930408,393

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

FAQ

What is Tompkins Financial's banking — interest income (expense), operating?
Tompkins Financial (TMP) reported banking — interest income (expense), operating of $71.86M in Q1 2026.
How has Tompkins Financial's banking — interest income (expense), operating changed year-over-year?
Tompkins Financial's banking — interest income (expense), operating increased by 26.8% year-over-year, from $56.66M to $71.86M.
What is the long-term trend for Tompkins Financial's banking — interest income (expense), operating?
Over 4 years (2021 to 2025), Tompkins Financial's banking — interest income (expense), operating has grown at a 2.8% compound annual growth rate (CAGR), from $223.78M to $249.73M.
What does banking — interest income (expense), operating mean?
Calculated as the difference between interest earned on assets and interest paid on liabilities, representing the net interest margin generated by the banking segment. It is a fundamental measure of the segment's profitability derived from its core financial intermediation activities.

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