TOMPKINS FINANCIAL CORP — Form 8-K
Filed July 24, 2026 · analyzed by the 8-K Agent
8-K
▲ Likely positive
significance 52/100
What the filing says
Tompkins Financial reported Q2 2026 diluted EPS of $2.04, up 36% YoY ($0.54); net income of $29.3M, up 36.5% YoY. Six-month 2026 net income of $55.4M, up 34.6% YoY from $41.2M. Board approved Q3 2026 dividend of $0.70/share (13% increase vs Q3 2025); this represents a 4.5% sequential increase from Q2 2026 ($0.67). Net interest margin improved 50 bps YoY to 3.58%; loans grew $424.5M (6.9%) YoY; deposits grew $313.3M (4.7%) YoY to $7.0B. Company repurchased 35,518 shares at $2.8M cost in first half 2026.
Why this rating
Strong earnings growth (34–36% YoY) and margin expansion are meaningful. ~$29M quarterly net income is ~3.3% of $875M market cap (material). Dividend increase signals confidence. Offset by modest strategic note: $9.6M insurance revenue decline from TIA sale (Q4 2025) headwind to noninterest income; loan growth solid but not exceptional. Overall: solid operational performance but organic growth moderate relative to company scale.
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