100.76
+1.33%
Close of 9 Nov 2026, in USD
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About Tompkins Financial
From its filings with the US Securities and Exchange Commission
Tompkins Financial is based in Ithaca, New York and is incorporated in New York. Its shares trade on NYSE under the ticker TMP. The SEC classifies its business as state commercial banks. In the fiscal year to 31 December 2025, it reported revenue of $75.7m and net income of $161.1m. At that date it held total assets of $8.67bn. By business, Insurance Revenues brought in 47.0% of revenue, followed by Investment Service Income at 26.6% and Card Services Income at 15.2%.
Tompkins was organized in 1995, under the laws of the State of New York, as a bank holding company for Tompkins Trust Company (the "Trust Company"), a commercial bank that has operated in Ithaca, New York and surrounding communities since 1836. In January 2021, Tompkins combined its four wholly-owned banking subsidiaries into one bank, with the Bank of Castile, Mahopac Bank, and VIST Bank merging with and into the Trust Company. Immediately following the merger, the Trust Company changed its name to Tompkins Community Bank.
The Tompkins strategy centers around its core values and a commitment to delivering long-term value to our clients, communities, and shareholders. A key strategic initiative for the Company is a focus on responsible and sustainable growth, including initiatives to grow organically through our current businesses, as well as through possible acquisitions of financial institutions, branches, and financial services businesses. As such, the Company has acquired, and from time to time considers acquiring, banks, thrift institutions, branch offices of banks or thrift institutions, or other businesses that would complement the Company’s business or its geographic reach. The Company generally targets merger or acquisition partners that are culturally similar and have experienced management and possess either significant market presence or have potential for improved profitability through financial management, economies of scale and expanded services. The Company has pursued acquisition opportunities in the past, and continues to review new opportunities.
Quoted from its 10-K, filed 26 Feb 2026. Read the filing on SEC.gov ↗
Company facts
- Sector
- Financials
- Industry
- Banks
- Listed since
- 2 Jun 1986
- Employees
- 813
- Website
- tompkinsfinancial.com ↗
- Head office
- 118 E SENECA STREET, ITHACA, NY, 14850
- Incorporated in
- NY
- Classification
- State Commercial Banks
- Filer status
- Large accelerated filer
Leadership
Pay as last reported
- Mr. Stephen RomainePresident, Chief Executive Officer, Director$1.9m
- Mr. Daniel FessendenIndependent Vice Chairman of the Board$110,088
- Mr. Matthew TomazinChief Financial Officer, Executive Vice President, Treasurer$721,851
- Ms. Alyssa FontaineExecutive Vice President, Chief Risk Officer, General Counsel
- Ms. Johanna AndersonExecutive Vice President and President of Tompkins Community Bank CNY
- Mr. David BoyceExecutive Vice President$755,628
- Mr. David DemiliaExecutive Vice President$676,722
- Mr. Charles GuarinoExecutive Vice President, Chief Banking Operations Officer
- Mrs. Ginger KunkelExecutive Vice President; President of Tompkins Community Bank PA$601,081
- Mr. John McKennaExecutive Vice President$946,079
- Mr. Eric TaylorExecutive Vice President and President of Tompkins Financial Advisors
- Ms. Diane TorcelloExecutive Vice President, President of Tompkins Community Bank WNY
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 32
- Environment
- 8
- Social
- 22
- Governance
- 67
- Carbon reduction policy
- No
- Human rights policy
- No
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- Tompkins Financial Corp has several strengths that contribute to its success in the market. Firstly, the company has a strong financial position and a solid track record of financial performance. This stability allows them to make strategic investments and expand their operations. Secondly, Tompkins Financial Corp has a well-established brand reputation and a loyal customer base. Their commitment to providing excellent customer service and personalized solutions has helped them build trust and maintain long-term relationships with clients. Additionally, the company boasts a diversified business model, offering a wide range of financial products and services. This diversity allows them to cater to the varying needs of different customer segments and adapt to changing market conditions. Furthermore, Tompkins Financial Corp has an experienced and knowledgeable management team. Their expertise and strategic decision-making capabilities enable the company to navigate complex challenges and seize opportunities efficiently. Lastly, the company has embraced technology and digital innovations to enhance their operations and customer experience. This enables them to stay competitive in the evolving financial industry landscape.
Weaknesses
- Despite its strengths, Tompkins Financial Corp also faces certain weaknesses. One of the main weaknesses is their limited geographic presence. While they have a strong presence in certain regions, they may face challenges in expanding into new markets and competing with larger national or international financial institutions. Additionally, the company may have higher operating costs compared to larger competitors, which could impact their profitability. This could be due to the need to invest in technology infrastructure or maintaining a wide network of physical branches. Furthermore, Tompkins Financial Corp may face challenges in attracting and retaining top talent. As a smaller regional bank, they may struggle to compete with larger financial institutions in terms of compensation and benefits packages. Lastly, the company's heavy reliance on traditional banking and lending services could leave them vulnerable to potential disruptions caused by technological advancements or changes in consumer behavior.
Opportunities
- Tompkins Financial Corp has several opportunities that can further strengthen their position in the market. Firstly, they can explore strategic partnerships or acquisitions to expand their geographic footprint and enter new markets. This would allow them to reach a larger customer base and increase their market share. Secondly, the company can focus on enhancing their digital capabilities and offering innovative online banking and financial solutions. This would help them attract tech-savvy customers and improve operational efficiency. Additionally, Tompkins Financial Corp can capitalize on the increasing demand for sustainable and socially responsible investing. By offering products and services that align with these values, they can attract a niche customer segment and differentiate themselves from competitors. Furthermore, the company can leverage data analytics and artificial intelligence to gain deeper insights into customer preferences and behaviors. This would enable them to personalize their offerings and provide targeted financial solutions.
Threats
- Tompkins Financial Corp faces several threats that could impact their business operations. Firstly, intense competition within the financial industry poses a threat. Larger national or international banks, as well as emerging fintech companies, can pose challenges in retaining and attracting customers. Secondly, regulatory changes and government policies can impact the company's operations and profitability. Compliance with regulatory requirements may require significant investments and resources. Additionally, economic downturns or recessions can negatively affect the financial industry as a whole, including Tompkins Financial Corp. A decrease in consumer spending and increased default rates could impact the company's loan portfolio and overall financial performance. Furthermore, cybersecurity threats and data breaches pose a significant risk to the company. The increasing frequency and sophistication of cyber attacks require continuous investments in robust security measures to protect sensitive customer information.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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