Tompkins Financial Corporation (TMP)

Tompkins Financial Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	161.07	70.85	9.51	85.03	89.26
Depreciation & Amortization	8.62	10.48	11.73	11.56	11.57
Provision for Credit Losses	11.53	6.61	4.34	2.79	-2.22
Stock-Based Compensation	3.49	4.63	4.1	4.34	5.15
Net Change in Loans Held-for-Sale	-45.03	-0.06	-0.51	0.36	5.11
Other Adjustments	-93.75	1.14	76.78	5.16	14.94
Changes in Accrued Interest and Accounts Receivable	-1.87	-2.72	-1.24	-2.27	9.43
Changes in Accrued Expenses	0.07	1.38	2.05	0.52	-0.83
Changes in Other Operating Activities	-5.25	2.66	-17.76	-4.15	-11.22
Operating Cash Flow	38.87	94.97	89	103.34	121.18
Operating Cash Flow Growth	-59.07%	6.70%	-13.87%	-14.72%	19.52%
Net Change in Loans Held-for-Investment	-445.47	-428.94	-337.05	-193.01	175.16
Net Change in Securities and Investments	-99.08	182.47	210.84	197.56	-759.39
Proceeds from Business Divestments	220.67	0	0	-	-
Capital Expenditures	-6.92	-6.21	-6.76	-8.17	-4.74
Sale of Property, Plant & Equipment	2.44	0.29	0.15	0.22	0.1
Other Investing Activities	27.64	1.95	-13.47	-5.05	5.58
Investing Cash Flow	-300.73	-250.44	-146.3	-8.44	-583.29
Net Change in Deposits	466.22	72.38	-201.98	-188.62	354.18
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	58.53	-13.96	-5.28	-10.51	0.94
Long-Term Debt Issued	367.45	804.95	450.4	435.9	14
Long-Term Debt Repaid	-593.25	-616.8	-139.6	-268.6	-173.08
Net Long-Term Debt Issued (Repaid)	-225.8	188.15	310.8	167.3	-159.08
Issuance of Common Stock	0.09	0.06	-0.12	2.41	-0.8
Repurchase of Common Stock	-2.66	-1.24	-9.9	-17.19	-26.07
Net Common Stock Issued (Repurchased)	-2.58	-1.19	-10.02	-14.78	-26.87
Common Dividends Paid	-36.09	-35.05	-34.51	-33.57	-32.42
Financing Cash Flow	260.28	210.33	59	-80.17	136.76
Net Cash Flow	-1.58	54.86	1.71	14.73	-325.36
Free Cash Flow	31.95	88.76	82.24	95.17	116.44
Free Cash Flow Growth	-64.00%	7.92%	-13.59%	-18.26%	20.24%
FCF Margin	7.49%	43.40%	40.08%	31.16%	38.19%
Free Cash Flow Per Share	2.23	6.22	5.75	6.61	7.95
Levered Free Cash Flow	-70.09	264.58	308.33	249.82	-65.61
Unlevered Free Cash Flow	-5.36	5.59	-11.97	-2.51	4.21

Updated Jan 30, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q