TOMPKINS FINANCIAL REPORTS 3.6% NET INTEREST MARGIN FOR Q1
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Apr 24 2026
0mins
Should l Buy TMP?
Source: moomoo
- Financial Overview: The financial report indicates a net interest margin of 3.6% for the first quarter.
- Performance Metrics: The report highlights key performance metrics that reflect the company's financial health and operational efficiency.
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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: 85.820
Low
74.00
Averages
77.00
High
80.00
Current: 85.820
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 Strong Q1 Earnings
- Earnings Highlights: Tompkins Financial Corporation reported a Q1 GAAP EPS of $1.82, indicating stable profitability, although market sentiment remains cautious regarding future earnings expectations.
- Revenue Performance: The company achieved total revenue of $83.69 million in Q1, reflecting growth compared to the same period last year, which underscores its competitive position and solid customer base in the market.
- Rating Analysis: Despite a quant rating suggesting potential upward movement for Tompkins Financial, analysts believe that an upgrade ahead of the upcoming earnings report is unwarranted, which may affect investor confidence.
- Historical Data Reference: Historical earnings data and dividend scorecards for Tompkins Financial indicate ongoing efforts in financial management and shareholder returns, potentially laying the groundwork for future growth.
See More
Tompkins Financial Declares Quarterly Dividend of $0.67
- Quarterly Dividend Announcement: Tompkins Financial Corporation has declared a quarterly dividend of $0.67 per share, consistent with previous distributions, reflecting the company's ongoing ability to maintain stable cash flows and bolstering investor confidence.
- Yield Information: The forward yield of 3.16% provides investors with a relatively attractive return, potentially drawing interest from those seeking stable income in their investment portfolios.
- Payment Schedule: The dividend is set to be paid on May 15, with a record date of May 8 and an ex-dividend date also on May 8, ensuring that investors receive their earnings promptly and further solidifying the relationship between the company and its shareholders.
- Market Reaction Expectations: While the dividend remains unchanged, market expectations for Tompkins Financial's future earnings should be approached with caution, especially ahead of the upcoming earnings report, as analysts may find upgrades to their ratings unwarranted.
See More
Tompkins Financial Corp. Reports Q1 Earnings Growth
- Significant Earnings Growth: Tompkins Financial Corp. reported a net income of $26.07 million for Q1, translating to $1.82 per share, which represents a 32.2% increase from last year's $19.68 million and $1.37 per share, indicating a substantial improvement in profitability.
- Strong Revenue Increase: The company's revenue rose by 14.8% year-over-year to $102.66 million, compared to $89.46 million last year, reflecting enhanced business expansion and market demand.
- Stable Adjusted Earnings: Excluding special items, Tompkins Financial Corp. reported adjusted earnings of $26.07 million, or $1.82 per share, indicating robust core business performance unaffected by external factors.
- Optimistic Market Outlook: With both revenue and earnings growth, Tompkins Financial Corp. is positioned with a stronger financial foundation for future market competition, likely driving further increases in market share.
See More
Tompkins Financial Reports 32.8% EPS Growth in Q1 2026
- Profitability Improvement: Tompkins Financial reported diluted earnings per share of $1.82 for Q1 2026, reflecting a 32.8% year-over-year increase, indicating significant profitability enhancement supported by loan and deposit growth.
- Net Interest Income Growth: The net interest income for the first quarter reached $71.9 million, up 4.1% from Q4 2025, primarily driven by improved net interest margin and increased loan balances, showcasing the company's competitiveness in the current interest rate environment.
- Stable Asset Quality: As of March 31, 2026, the allowance for credit losses was 0.90% of total loans, slightly up from 0.89% at the end of 2025, indicating the company's robust asset quality management amid economic uncertainties.
- Strong Capital Ratios: The total capital ratio stood at 14.78% in Q1 2026, exceeding regulatory minimums, demonstrating the company's strong capital management capabilities and laying a solid foundation for future business expansion.
See More
TOMPKINS FINANCIAL REPORTS Q1 EPS OF USD 1.82
- Earnings Report: Tompkins Financial reported a Q1 EPS of $1.82.
- Financial Performance: The earnings reflect the company's financial health and operational efficiency during the quarter.
See More
TOMPKINS FINANCIAL REPORTS 3.6% NET INTEREST MARGIN FOR Q1
- Financial Overview: The financial report indicates a net interest margin of 3.6% for the first quarter.
- Performance Metrics: The report highlights key performance metrics that reflect the company's financial health and operational efficiency.
See More
Tompkins Financial Reports Strong Q1 Earnings
- Earnings Highlights: Tompkins Financial Corporation reported a Q1 GAAP EPS of $1.82, indicating stable profitability, although market sentiment remains cautious regarding future earnings expectations.
- Revenue Performance: The company achieved total revenue of $83.69 million in Q1, reflecting growth compared to the same period last year, which underscores its competitive position and solid customer base in the market.
- Rating Analysis: Despite a quant rating suggesting potential upward movement for Tompkins Financial, analysts believe that an upgrade ahead of the upcoming earnings report is unwarranted, which may affect investor confidence.
- Historical Data Reference: Historical earnings data and dividend scorecards for Tompkins Financial indicate ongoing efforts in financial management and shareholder returns, potentially laying the groundwork for future growth.
See More
Tompkins Financial Declares Quarterly Dividend of $0.67
- Quarterly Dividend Announcement: Tompkins Financial Corporation has declared a quarterly dividend of $0.67 per share, consistent with previous distributions, reflecting the company's ongoing ability to maintain stable cash flows and bolstering investor confidence.
- Yield Information: The forward yield of 3.16% provides investors with a relatively attractive return, potentially drawing interest from those seeking stable income in their investment portfolios.
- Payment Schedule: The dividend is set to be paid on May 15, with a record date of May 8 and an ex-dividend date also on May 8, ensuring that investors receive their earnings promptly and further solidifying the relationship between the company and its shareholders.
- Market Reaction Expectations: While the dividend remains unchanged, market expectations for Tompkins Financial's future earnings should be approached with caution, especially ahead of the upcoming earnings report, as analysts may find upgrades to their ratings unwarranted.
See More
Tompkins Financial Corp. Reports Q1 Earnings Growth
- Significant Earnings Growth: Tompkins Financial Corp. reported a net income of $26.07 million for Q1, translating to $1.82 per share, which represents a 32.2% increase from last year's $19.68 million and $1.37 per share, indicating a substantial improvement in profitability.
- Strong Revenue Increase: The company's revenue rose by 14.8% year-over-year to $102.66 million, compared to $89.46 million last year, reflecting enhanced business expansion and market demand.
- Stable Adjusted Earnings: Excluding special items, Tompkins Financial Corp. reported adjusted earnings of $26.07 million, or $1.82 per share, indicating robust core business performance unaffected by external factors.
- Optimistic Market Outlook: With both revenue and earnings growth, Tompkins Financial Corp. is positioned with a stronger financial foundation for future market competition, likely driving further increases in market share.
See More
Tompkins Financial Reports 32.8% EPS Growth in Q1 2026
- Profitability Improvement: Tompkins Financial reported diluted earnings per share of $1.82 for Q1 2026, reflecting a 32.8% year-over-year increase, indicating significant profitability enhancement supported by loan and deposit growth.
- Net Interest Income Growth: The net interest income for the first quarter reached $71.9 million, up 4.1% from Q4 2025, primarily driven by improved net interest margin and increased loan balances, showcasing the company's competitiveness in the current interest rate environment.
- Stable Asset Quality: As of March 31, 2026, the allowance for credit losses was 0.90% of total loans, slightly up from 0.89% at the end of 2025, indicating the company's robust asset quality management amid economic uncertainties.
- Strong Capital Ratios: The total capital ratio stood at 14.78% in Q1 2026, exceeding regulatory minimums, demonstrating the company's strong capital management capabilities and laying a solid foundation for future business expansion.
See More
TOMPKINS FINANCIAL REPORTS Q1 EPS OF USD 1.82
- Earnings Report: Tompkins Financial reported a Q1 EPS of $1.82.
- Financial Performance: The earnings reflect the company's financial health and operational efficiency during the quarter.
See More
TOMPKINS FINANCIAL REPORTS 3.6% NET INTEREST MARGIN FOR Q1
- Financial Overview: The financial report indicates a net interest margin of 3.6% for the first quarter.
- Performance Metrics: The report highlights key performance metrics that reflect the company's financial health and operational efficiency.
See More
