Tompkins Financial Corporation functions as a financial holding entity, offering a comprehensive array of services that include commercial and retail banking, leasing, ...
Tompkins Financial Corporation is a regional, community-oriented financial services holding company with roots dating to 1836, when Tompkins Trust Company was established in New York. Headquartered at 118 East Seneca Street in Ithaca, the company primarily serves the Central, Western, and Hudson Valley regions of New York and the southeastern ...Tompkins Financial Corporation is a regional, community-oriented financial services holding company with roots dating to 1836, when Tompkins Trust Company was established in New York. Headquartered at 118 East Seneca Street in Ithaca, the company primarily serves the Central, Western, and Hudson Valley regions of New York and the southeastern region of Pennsylvania. Its principal banking subsidiary, Tompkins Community Bank, supports individuals, families, nonprofit organizations, farms, small businesses, middle-market companies, and commercial real-estate borrowers. The company operates through three broad business segments: Banking, Insurance, and Wealth Management.
The Banking segment is the core operating platform. Its deposit products include checking, savings, money-market, time-deposit, IRA, brokered, reciprocal, and municipal accounts. Lending products cover residential mortgages, home-equity loans, personal installment loans, automobile loans, overdraft facilities, commercial and industrial loans, commercial real estate, construction, equipment finance, agricultural lending, accounts-receivable financing, and commercial leasing. Additional banking services include credit and debit cards, letters of credit, sweep accounts, treasury and cash-management tools, remote deposit capture, online and mobile banking, ATMs, safe-deposit boxes, and telephone banking.
The Insurance segment provides property and casualty, employee benefits, life, health, disability, and long-term-care coverage, along with insurance planning and consulting. The Wealth Management segment provides investment management, trust and estate administration, fiduciary services, financial planning, and tax-planning support. These services allow Tompkins to deepen customer relationships and diversify revenue beyond traditional interest income.
Because Tompkins is a financial institution, it does not have a conventional manufacturing bill of materials, physical inventory, or product-cost structure. Its major costs generally include interest paid on deposits and borrowings, employee compensation and benefits, technology and cybersecurity, branch and occupancy expenses, regulatory compliance, insurance operations, marketing, and credit-loss provisions. Revenue is generated mainly from net interest income on loans and investments, fees for deposits and payment services, wealth-management fees, insurance commissions, and other financial-service charges.
The supplied data lists approximately 813 full-time employees, placing the company in the 501-1000 employee category, while other historical sources have reported higher employment levels. Tompkins reported a market capitalization of approximately $1.42 billion in the supplied snapshot and a trailing price-to-earnings ratio near 8.0, although market values and financial metrics change over time. Stephen S. Romaine serves as President and Chief Executive Officer, and Thomas R. Rochon is identified as Chairman. Tompkins’ strategic objective is to create long-term value through personalized, integrated financial solutions, local decision-making, community relationships, disciplined risk management, digital-service investment, and sustainable growth for clients, communities, and shareholders.
YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength.
QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes.
RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three).
$578.9M
+34.1%
-76.8%
Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day.
$161.1M
+127.3%
+12.4%
Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials.
+75.1%
+12.4%
-129.9%
Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on).
+38.8%
+80.3%
-530.5%
Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales.
+27.8%
+69.5%
+383.8%
Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock.
$31.9M
-64.0%
-118.0%
FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine.
+5.5%
-73.2%
-177.4%
Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe.
70.3%
-36.5%
+26.5%
Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking.
0.15x
-21.6%
-98.4%
Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground.
