TOMPKINS FINANCIAL CORP — Form 8-K
Filed July 28, 2026 · analyzed by the 8-K Agent
8-K
▲ Likely positive
significance 28/100
What the filing says
Tompkins Financial reported Q2 2026 net income of $29.3M (diluted EPS $2.04), up 36% from Q2 2025's $21.5M ($1.50). Net interest margin expanded 65 bps to 3.58% vs Q4 2024. Year-to-date H1 2026 net income reached $55.4M (EPS $3.86) vs $41.2M (EPS $2.87) in H1 2025. Total assets grew to $8.80B (+$427.7M or +5.1% YoY); loans increased $424.5M (+6.9% annualized); total equity capital rose to $959.9M (+$198.1M or +26.0% YoY), bolstered by Q4 2025 sale of Tompkins Insurance Agency ($188.2M pretax gain). No material counterparties or deal terms disclosed in this investor presentation.
Why this rating
Solid sequential earnings growth and NIM expansion are operationally positive. However, Q2 2025 included $22.5M noninterest income (TIA sale gain); Q2 2026's $13.1M is normalizing. Core operating leverage is real but modest for a $8.8B/$875M market cap bank. No M&A, no guidance change, no risk event disclosed.
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