Why Tompkins Financial (TMP) is a Top Dividend Stock for Your Portfolio
Written by Emily J. Thompson, Senior Investment Analyst
Updated: May 19 2025
0mins
Should l Buy TMP?
Source: NASDAQ.COM
Investment Focus: Income investors prioritize generating consistent cash flow through dividends, which significantly contribute to long-term returns; Tompkins Financial (TMP) offers a dividend yield of 3.84%, outperforming industry and S&P averages.
Growth Potential: With a solid earnings growth forecast for the fiscal year and a Zacks Rank of #2 (Buy), Tompkins Financial is positioned as an attractive investment opportunity despite challenges faced by high-yielding stocks during rising interest rates.
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Analyst Views on TMP
Wall Street analysts forecast TMP stock price to fall
2 Analyst Rating
1 Buy
1 Hold
0 Sell
Moderate Buy
Current: 83.790
Low
74.00
Averages
77.00
High
80.00
Current: 83.790
Low
74.00
Averages
77.00
High
80.00
About TMP
Tompkins Financial Corporation is a banking and financial services company serving the Central, Western, and Hudson Valley regions of New York and the Southeastern region of Pennsylvania. The Company's segments include banking and wealth management. Its banking segment’s services consist primarily of attracting deposits from the areas served by the Company’s banking subsidiary and using those deposits to originate a variety of commercial loans, agricultural loans, consumer loans, real estate loans, and leases in those same areas. Its banking services also include a full suite of products, such as debit cards, credit cards, remote deposit, electronic banking, mobile banking, cash management, and safe deposit services. The wealth management segment is organized under the Tompkins Financial Advisors brand. Tompkins Financial Advisors offers a range of financial services to customers, including trust and estate services, investment management, financial and tax planning services.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Tompkins Financial Reports Record Earnings Growth in Q4 2025
- Significant Profitability Increase: Tompkins Financial reported diluted earnings per share of $6.70 for Q4 2025, a remarkable 389.1% increase year-over-year, with net income reaching $96.2 million, reflecting strong profitability and market competitiveness.
- Surge in Non-Interest Income: The sale of Tompkins Insurance Agencies led to non-interest income of $125.8 million in Q4, up 503.8% year-over-year, generating a pre-tax gain of $188.2 million, significantly enhancing overall financial performance.
- Loan and Deposit Growth: As of December 31, 2025, total loans increased by 7.1% year-over-year to $6.446 billion, while total deposits reached $6.938 billion, up 7.2%, indicating robust growth and customer trust in the company.
- Improved Capital Ratios: On December 31, 2025, the Tier 1 capital ratio was 10.62%, up from 9.27% in 2024, demonstrating the company's strong capital structure and capacity for future investments.
See More
Tompkins Financial Corporation Announces Quarterly Dividend Increase
- Quarterly Dividend Increase: Tompkins Financial Corporation's Board of Directors approved a cash dividend of $0.67 per share, reflecting an increase of $0.05 or 8.1% over the first quarter of 2025, indicating sustained profitability and likely boosting investor confidence.
- Payment Date Set: The dividend will be payable on February 22, 2026, to shareholders of record on February 13, 2026, ensuring eligible shareholders receive timely returns, thereby reinforcing trust between the company and its investors.
- Business Overview: Headquartered in Ithaca, NY, Tompkins Financial serves the Central, Western, and Hudson Valley regions of New York and Southeastern Pennsylvania, providing a broad range of banking and financial services that enhance its market competitiveness.
- Wealth Management Services: The company's Tompkins Community Bank offers comprehensive wealth management services, including investment management, trust and estate services, and financial and tax planning, further enriching its product offerings to meet diverse client financial needs.
See More
Tompkins Financial Increases Quarterly Dividend by 3.1%
- Dividend Increase: Tompkins Financial has declared a quarterly dividend increase from $0.65 to $0.67 per share, representing a 3.1% rise, which reflects the company's commitment to returning value to shareholders while maintaining stable earnings, thereby boosting investor confidence.
- Yield Performance: This adjustment results in a forward yield of 3.49%, providing a relatively attractive return in the current market environment, which may draw the attention of more income-seeking investors looking for stability.
- Payment Schedule: The new dividend will be payable on February 22, with a record date of February 13 and an ex-dividend date also set for February 13, ensuring that shareholders receive their earnings promptly and strengthening the trust between the company and its investors.
- Market Reaction: The dividend increase from Tompkins Financial is likely to have a positive impact on its stock price, especially against the backdrop of interest rate normalization, as investors remain optimistic about the company's future profitability and cash flow performance.
See More
TOMPKINS FINANCIAL CORP REPORTS $96.2 MILLION NET INCOME FOR Q4
- Financial Performance: Tompkins Financial Corp reported a net income of $96.2 million for the fourth quarter.
- Quarterly Results: The financial results indicate a strong performance in the company's operations during the specified period.
See More
TOMPKINS FINANCIAL CORP ANNOUNCES Q4 2025 ADJUSTED EPS OF $1.78
Financial Report Overview: Tompkins Financial Corp has released its financial report for Q4 2025, indicating a strong performance.
Earnings Details: The report highlights adjusted earnings of $1.78 per share, reflecting the company's growth and stability in the financial sector.
See More
Tompkins Financial Corporation Named to Piper Sandler's 'Sm-All Stars' List
- Industry Recognition: Tompkins Financial Corporation's inclusion in Piper Sandler's 2025 'Sm-All Stars' list highlights its consistent ability to deliver sustainable performance in a dynamic market, further solidifying its leadership position among small-cap banks.
- Strong Financial Performance: The company excels in key metrics such as growth, profitability, credit quality, and capital strength, reflecting the effective execution of its long-term growth strategy, which enhances confidence among investors and clients.
- Team Effort Acknowledged: CEO Stephen S. Romaine stated that this honor is a testament to the dedication of the team and the strength of their strategic approach, emphasizing the importance of customer-centric solutions in creating long-term value.
- Regional Service Expansion: As the parent company of Tompkins Community Bank, Tompkins Financial provides a full range of wealth management services in Central, Western, and Hudson Valley regions of New York and Southeastern Pennsylvania, further enhancing its market influence.
See More
Tompkins Financial Reports Record Earnings Growth in Q4 2025
- Significant Profitability Increase: Tompkins Financial reported diluted earnings per share of $6.70 for Q4 2025, a remarkable 389.1% increase year-over-year, with net income reaching $96.2 million, reflecting strong profitability and market competitiveness.
- Surge in Non-Interest Income: The sale of Tompkins Insurance Agencies led to non-interest income of $125.8 million in Q4, up 503.8% year-over-year, generating a pre-tax gain of $188.2 million, significantly enhancing overall financial performance.
- Loan and Deposit Growth: As of December 31, 2025, total loans increased by 7.1% year-over-year to $6.446 billion, while total deposits reached $6.938 billion, up 7.2%, indicating robust growth and customer trust in the company.
- Improved Capital Ratios: On December 31, 2025, the Tier 1 capital ratio was 10.62%, up from 9.27% in 2024, demonstrating the company's strong capital structure and capacity for future investments.
See More
Tompkins Financial Corporation Announces Quarterly Dividend Increase
- Quarterly Dividend Increase: Tompkins Financial Corporation's Board of Directors approved a cash dividend of $0.67 per share, reflecting an increase of $0.05 or 8.1% over the first quarter of 2025, indicating sustained profitability and likely boosting investor confidence.
- Payment Date Set: The dividend will be payable on February 22, 2026, to shareholders of record on February 13, 2026, ensuring eligible shareholders receive timely returns, thereby reinforcing trust between the company and its investors.
- Business Overview: Headquartered in Ithaca, NY, Tompkins Financial serves the Central, Western, and Hudson Valley regions of New York and Southeastern Pennsylvania, providing a broad range of banking and financial services that enhance its market competitiveness.
- Wealth Management Services: The company's Tompkins Community Bank offers comprehensive wealth management services, including investment management, trust and estate services, and financial and tax planning, further enriching its product offerings to meet diverse client financial needs.
See More
Tompkins Financial Increases Quarterly Dividend by 3.1%
- Dividend Increase: Tompkins Financial has declared a quarterly dividend increase from $0.65 to $0.67 per share, representing a 3.1% rise, which reflects the company's commitment to returning value to shareholders while maintaining stable earnings, thereby boosting investor confidence.
- Yield Performance: This adjustment results in a forward yield of 3.49%, providing a relatively attractive return in the current market environment, which may draw the attention of more income-seeking investors looking for stability.
- Payment Schedule: The new dividend will be payable on February 22, with a record date of February 13 and an ex-dividend date also set for February 13, ensuring that shareholders receive their earnings promptly and strengthening the trust between the company and its investors.
- Market Reaction: The dividend increase from Tompkins Financial is likely to have a positive impact on its stock price, especially against the backdrop of interest rate normalization, as investors remain optimistic about the company's future profitability and cash flow performance.
See More
TOMPKINS FINANCIAL CORP REPORTS $96.2 MILLION NET INCOME FOR Q4
- Financial Performance: Tompkins Financial Corp reported a net income of $96.2 million for the fourth quarter.
- Quarterly Results: The financial results indicate a strong performance in the company's operations during the specified period.
See More
TOMPKINS FINANCIAL CORP ANNOUNCES Q4 2025 ADJUSTED EPS OF $1.78
Financial Report Overview: Tompkins Financial Corp has released its financial report for Q4 2025, indicating a strong performance.
Earnings Details: The report highlights adjusted earnings of $1.78 per share, reflecting the company's growth and stability in the financial sector.
See More
Tompkins Financial Corporation Named to Piper Sandler's 'Sm-All Stars' List
- Industry Recognition: Tompkins Financial Corporation's inclusion in Piper Sandler's 2025 'Sm-All Stars' list highlights its consistent ability to deliver sustainable performance in a dynamic market, further solidifying its leadership position among small-cap banks.
- Strong Financial Performance: The company excels in key metrics such as growth, profitability, credit quality, and capital strength, reflecting the effective execution of its long-term growth strategy, which enhances confidence among investors and clients.
- Team Effort Acknowledged: CEO Stephen S. Romaine stated that this honor is a testament to the dedication of the team and the strength of their strategic approach, emphasizing the importance of customer-centric solutions in creating long-term value.
- Regional Service Expansion: As the parent company of Tompkins Community Bank, Tompkins Financial provides a full range of wealth management services in Central, Western, and Hudson Valley regions of New York and Southeastern Pennsylvania, further enhancing its market influence.
See More
