Tompkins Financial Reports Record Earnings Growth in Q4 2025
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 30 2026
0mins
Source: Newsfilter
- 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.
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Analyst Views on AJG
Wall Street analysts forecast AJG stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for AJG is 288.18 USD with a low forecast of 247.00 USD and a high forecast of 334.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
12 Analyst Rating
5 Buy
6 Hold
1 Sell
Moderate Buy
Current: 242.750
Low
247.00
Averages
288.18
High
334.00
Current: 242.750
Low
247.00
Averages
288.18
High
334.00
About AJG
Arthur J. Gallagher & Co. is a global insurance brokerage, risk management and consulting services company. The Company’s segments include brokerage, risk management and corporate. The brokerage segment operations provide brokerage and consulting services to entities of all types, including commercial, nonprofit, public sector entities, insurance companies and insurance capital providers, and to a lesser extent, individuals, in the areas of insurance and reinsurance placements, risk of loss management, and management of employer- sponsored benefit programs. The risk management segment operations provide contract claim settlement, claim administration, loss control services and risk management consulting for commercial, non-profit, captive and public sector entities, and various other organizations that choose to self-insure property/casualty coverage or choose to use a third party claims management organization rather than the claim services provided by an underwriting enterprise.
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.
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- Market Expansion: This acquisition allows Gallagher to leverage 3D Advisors' expertise and client network, thereby increasing its competitiveness in specific markets and achieving broader market coverage.
- Strategic Integration: The acquisition not only complements Gallagher's business portfolio but also promotes diversification in its insurance products and services, enhancing the company's overall service capabilities and market responsiveness.
- Future Outlook: Gallagher plans to optimize its business processes by integrating 3D Advisors' operations, which is expected to improve overall operational efficiency and drive sustainable growth in the future.
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- Yield Potential Analysis: Should the put option expire worthless, it would yield an 8.32% return on the cash commitment, or 9.52% annualized, highlighting the strategy's profitability, with Stock Options Channel tracking these odds over time.
- Call Option Returns: The $260.00 call option has a current bid of $24.00, and if an investor buys AJG shares at $251.43 and sells this call, they could achieve a total return of 12.95% if the stock is called away at expiration, showcasing the strategy's attractiveness.
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- Management Team Retention: The management team of Hunt will continue to operate under Gallagher's U.S. financial and retirement services unit, a strategy that not only ensures business continuity but also leverages the existing team's expertise to drive integration and growth.
- Future Growth Strategy: This acquisition aligns with Gallagher's future growth strategy, expected to accelerate the company's expansion in the employee benefits consulting market through integration synergies, thereby driving overall business growth.
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See More
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- Market Expansion: This acquisition allows Gallagher to leverage 3D Advisors' expertise and client network, thereby increasing its competitiveness in specific markets and achieving broader market coverage.
- Strategic Integration: The acquisition not only complements Gallagher's business portfolio but also promotes diversification in its insurance products and services, enhancing the company's overall service capabilities and market responsiveness.
- Future Outlook: Gallagher plans to optimize its business processes by integrating 3D Advisors' operations, which is expected to improve overall operational efficiency and drive sustainable growth in the future.
See More
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- Acquisition Announcement: Arthur J. Gallagher & Co. has announced the acquisition of 3D Advisors Inc. based in Shelby Township, Michigan, which, although the terms remain undisclosed, is expected to significantly enhance Gallagher's market position in life insurance and annuity brokerage.
- Team Continuity: The founding team of 3D Advisors, including Jim DiDonato, Matt Dib, and Chuck Dib, will continue to operate from their current location, ensuring business continuity and quality of client service while expanding under Gallagher's leadership.
- Market Expansion: This acquisition will broaden Gallagher's life insurance and annuity offerings, further solidifying its influence in the financial advisory market, which is anticipated to attract more clients and increase market share.
- Company Overview: Arthur J. Gallagher & Co. is a global insurance brokerage, risk management, and consulting services firm operating in approximately 130 countries, and this acquisition reflects its ongoing growth strategy in the financial and retirement services sector.
See More
Arthur J. Gallagher Acquires 3D Advisors in Michigan
- Acquisition Overview: Arthur J. Gallagher has acquired 3D Advisors, a brokerage general agency based in Shelby Township, Michigan, although the terms of the transaction remain undisclosed, this move signifies Gallagher's further expansion in the insurance and retirement services sector.
- Business Integration Plan: 3D Advisors specializes in providing life insurance, annuity, and long-term care solutions for financial advisors, and post-acquisition, its team will continue to operate at the current location, ensuring continuity and professionalism in client service.
- Management Continuity: Following the acquisition, Jim DiDonato, Matt Dib, and Chuck Dib will remain under Gallagher's leadership, indicating Gallagher's commitment to maintaining team stability and expertise, which aims to enhance client trust.
- Strategic Implications: This acquisition further solidifies Gallagher's market position in employee benefits consulting and brokerage operations, reflecting its strategic direction of growth through mergers and acquisitions, which is expected to drive future business development.
See More
AJG Options Contract Analysis and Investment Opportunities
- Put Option Appeal: The current bid for the $250.00 put option is $20.80, and if an investor sells to open this contract, they commit to buying the stock at $250.00, effectively lowering their cost basis to $229.20, which is approximately a 1% discount from the current price of $251.43, making it attractive for those interested in AJG.
- Yield Potential Analysis: Should the put option expire worthless, it would yield an 8.32% return on the cash commitment, or 9.52% annualized, highlighting the strategy's profitability, with Stock Options Channel tracking these odds over time.
- Call Option Returns: The $260.00 call option has a current bid of $24.00, and if an investor buys AJG shares at $251.43 and sells this call, they could achieve a total return of 12.95% if the stock is called away at expiration, showcasing the strategy's attractiveness.
- Risk Assessment: The $260.00 call option has a 46% chance of expiring worthless, allowing investors to retain both their shares and the premium collected, which enhances the safety and return potential of the investment.
See More
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- Acquisition Overview: Arthur J. Gallagher & Co. announced the acquisition of Hunt Benefits & Associates and Tenaglia & Associates, which will operate as Hunt Financial Group; while financial terms were not disclosed, this move signifies the company's expansion in the employee benefits consulting sector.
- Enhanced Market Position: Hunt Financial Group focuses on providing employee benefits consulting services to banking clients from offices in North and South Carolina, and this acquisition will further solidify Gallagher's market position in the financial services industry.
- Management Team Retention: The management team of Hunt will continue to operate under Gallagher's U.S. financial and retirement services unit, a strategy that not only ensures business continuity but also leverages the existing team's expertise to drive integration and growth.
- Future Growth Strategy: This acquisition aligns with Gallagher's future growth strategy, expected to accelerate the company's expansion in the employee benefits consulting market through integration synergies, thereby driving overall business growth.
See More
Arthur J. Gallagher Acquires Hunt Financial Group to Enhance Benefits Consulting
- Acquisition Announcement: Arthur J. Gallagher & Co. has announced the acquisition of Hunt Benefits & Associates, Inc. and Tenaglia & Associates, Inc., collectively known as Hunt Financial Group, although the terms of the transaction remain undisclosed, this move is expected to enhance its consulting capabilities among banking industry clients.
- Strategic Fit: J. Patrick Gallagher, Jr., Chairman and CEO, stated that Hunt Financial Group is an excellent cultural and strategic fit, which is anticipated to elevate Gallagher's expertise in employee benefits consulting operations.
- Regional Expansion: Hunt Financial Group operates from offices in Charlotte, North Carolina, and Mount Pleasant, South Carolina, and will continue to operate from these locations post-acquisition, ensuring continuity and stability in client services.
- Global Influence: Arthur J. Gallagher & Co. provides insurance brokerage, risk management, and consulting services in approximately 130 countries, and this acquisition is expected to further solidify its position in the global market, particularly in the specialized consulting sector for the banking industry.
See More
