{"schema_version":"secwatch.filing_event.v1","accession":"0001005817-24-000002","form_type":"8-K","ticker":"TMP","cik":"0001005817","company_name":"TOMPKINS FINANCIAL CORP","filed_at":"2024-01-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:23.067028+00:00","generated_at":"2026-06-06T16:20:36.952454+00:00","sec_items":["2.02","9.01","8.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Tompkins Financial Q4 EPS $1.05, down 22.8% YoY; full-year EPS $0.66, down 88.8% on $52.9M securities loss","bullets":["Q4 net income $15.0M ($1.05 diluted EPS) vs $19.5M ($1.36) in Q4 2022; FY net income $9.5M ($0.66) vs $85.0M ($5.89) in FY 2022.","FY includes after-tax $52.9M loss on sale of $510.5M available-for-sale securities; reinvested at ~5.09% yield vs 0.86% sold.","Q4 net interest margin expanded to 2.82% (from 2.75% in Q3); loans grew 3.2% QoQ (12.6% annualized), deposits declined 3.4% QoQ.","Nonperforming assets ratio rose to 0.80% from 0.41% QoQ due to $33.8M addition from one hospitality relationship.","Board declared $0.60/share quarterly dividend, payable Feb 16, 2024 to holders of record Feb 9, 2024."],"urls":{"canonical":"https://secwatch.observer/filing/0001005817-24-000002","json":"https://secwatch.observer/filing/0001005817-24-000002.json","markdown":"https://secwatch.observer/filing/0001005817-24-000002.md","text":"https://secwatch.observer/filing/0001005817-24-000002.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1005817/000100581724000002/0001005817-24-000002-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1005817/000100581724000002/tmp-20240126.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T16:20:36.952454+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"c4c7270bd904cf1d014886c3e01856efce9522de","claim":"TOMPKINS FINANCIAL CORP reported the fourth quarter of 2023 results: net income $15.0 million, EPS $1.05.","evidence_excerpt":"Tompkins Financial Corporation (\"Tompkins\" or the \"Company\") reported diluted earnings per share of $1.05 for the fourth quarter of 2023, down 22.8% compared to the fourth quarter of 2022. Net income for the fourth quarter of 2023 was $15.0 million, down $4.5 million or 23.3% compared to the $19.5 million reported for the fourth quarter of 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1005817/000100581724000002/0001005817-24-000002-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the fourth quarter of 2023"},{"label":"Net income","value":"$15.0 million"},{"label":"EPS","value":"$1.05"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}