Tompkins Financial Reports Record Earnings and Declares Dividend

Tompkins Financial Corporation ( (TMP) ) has shared an announcement.

On January 29, 2026, Tompkins Financial Corporation’s board declared a cash dividend of $0.67 per share, payable on February 22, 2026 to shareholders of record as of February 13, 2026. In results reported on January 30, 2026, the company posted record fourth-quarter 2025 diluted earnings per share of $6.70 (GAAP) and record operating diluted EPS of $1.78, with quarterly net income surging to $96.2 million from $19.7 million a year earlier; for full-year 2025, diluted EPS rose to $11.24 and net income to $161.1 million, more than doubling 2024 levels. The sharp earnings increase was driven largely by the sale of its insurance subsidiary TIA for about $223 million in cash, generating a $188.2 million pre-tax gain, partly offset by a $78.7 million pre-tax loss on the sale of $564.2 million in low-yield securities that were reinvested at significantly higher yields, a balance sheet restructuring that boosted net interest margin and is expected to enhance securities income over time. Operationally, Tompkins reported solid underlying performance with net interest income up 18.3% for 2025, net interest margin improving to 3.42% in the fourth quarter, loans and deposits each growing just over 7% year-on-year, and regulatory Tier 1 capital strengthening to 10.62%, while higher salaries, benefits, and professional fees reflected deal-related costs and investments to support future growth; the combined effect is a leaner, more capitalized banking-focused franchise with improved profitability metrics and continued capacity to return capital via dividends.

The most recent analyst rating on (TMP) stock is a Buy with a $88.00 price target. To see the full list of analyst forecasts on Tompkins Financial Corporation stock, see the TMP Stock Forecast page.

Spark’s Take on TMP Stock

According to Spark, TipRanks’ AI Analyst, TMP is a Outperform.

Tompkins Financial Corporation’s strong financial performance and reasonable valuation are the primary drivers of its stock score. The technical analysis indicates bullish momentum, although caution is advised due to overbought signals. Recent corporate events further enhance the company’s strategic position.

To see Spark’s full report on TMP stock, click here.

More about Tompkins Financial Corporation

Tompkins Financial Corporation is a regional financial services company listed on the NYSE American under the ticker TMP, providing community banking and related financial services including commercial and consumer lending, deposit products, and investment services. Historically it also operated an insurance subsidiary, Tompkins Insurance Agencies, Inc., but exited that business in the fourth quarter of 2025 through a sale to Arthur J. Gallagher & Co., repositioning its portfolio toward higher-yielding banking and securities activities.

Average Trading Volume: 55,113

Technical Sentiment Signal: Buy

Current Market Cap: $1.08B

See more data about TMP stock on TipRanks’ Stock Analysis page.