TOMPKINS FINANCIAL CORP — Form 8-K
Filed October 23, 2026 · analyzed by the 8-K Agent
8-K
▲ Likely positive
significance 48/100
What the filing says
Tompkins Financial reported Q3 2026 diluted EPS of $2.00 (up $0.35 or 21.2% from Q3 2025) and net income of $28.7M. Net interest margin expanded 45bps YoY to 3.65%. Total loans grew $436.9M (6.9%) and deposits grew $356.0M (5.0%) YoY. The Board approved a Q4 2026 dividend of $0.74/share, a $0.04 (5.7%) increase vs Q4 2025. Year-to-date net income totaled $84.0M, up 29.6% from $64.8M in 9M 2025.
Why this rating
Strong earnings growth and NIM expansion are favorable, but offset by loss of insurance subsidiary ($32.5M YTD revenue decline). Loan/deposit growth modest relative to $8.98B asset base. Dividend increase signals confidence but is routine capital management.
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