---
schema_version: "secwatch.filing_event.v1"
accession: "0001005817-24-000011"
form_type: "8-K"
ticker: "TMP"
cik: "0001005817"
company_name: "TOMPKINS FINANCIAL CORP"
filed_at: "2024-04-26T23:59:59+00:00"
generated_at: "2026-06-03T06:08:37.929636+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Tompkins Financial Q1 EPS $1.18, down 12.6% YoY; net income $16.9M; dividend $0.61

## Summary
- Diluted EPS of $1.18, down 12.6% from $1.35 YoY; net income $16.9M, down 13.0%.
- Net interest margin 2.73% vs. 2.99% YoY; net interest income $50.7M, down $3.5M.
- Loans grew 7.0% YoY to $5.6B; deposits down 0.9% to $6.4B; loan/deposit ratio 87.5%.
- Nonperforming assets/total assets rose to 0.81% from 0.37% YoY; provision $854K vs. credit of $825K in Q1 2023.
- Regular quarterly dividend $0.61/share, up $0.01 from Q2 2023, payable May 17 to holders of record May 10.

## SEC filing metadata
- accession: 0001005817-24-000011
- form_type: 8-K
- ticker: TMP
- cik: 0001005817
- company_name: TOMPKINS FINANCIAL CORP
- filed_at: 2024-04-26T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01, 8.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1005817/000100581724000011/0001005817-24-000011-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1005817/000100581724000011/tmp-20240426.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001005817-24-000011
- JSON: https://secwatch.observer/filing/0001005817-24-000011.json
- Plain text: https://secwatch.observer/filing/0001005817-24-000011.txt

## Key facts
- Earnings Releases
  TOMPKINS FINANCIAL CORP reported first quarter of 2024 results: revenue $50.7 million, net income $16.9 million, EPS $1.18.
  - Period: first quarter of 2024
  - Revenue: $50.7 million
  - Net income: $16.9 million
  - EPS: $1.18
  - Result: reported results
  source text: Net interest income was $50.7 million for the first quarter of 2024
  evidence_url: https://www.sec.gov/Archives/edgar/data/1005817/000100581724000011/0001005817-24-000011-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.