---
schema_version: "secwatch.filing_event.v1"
accession: "0001005817-25-000002"
form_type: "8-K"
ticker: "TMP"
cik: "0001005817"
company_name: "TOMPKINS FINANCIAL CORP"
filed_at: "2025-01-31T23:59:59+00:00"
generated_at: "2026-05-27T04:27:38.450556+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Tompkins Financial reports Q4 2024 diluted EPS of $1.37, up 30.5% YoY; declares $0.62 dividend

## Summary
- Net income of $19.7M; diluted EPS $1.37 vs $0.95 in Q4 2023, up 31%.
- Net interest margin 2.93% (up 14 bps QoQ); net interest income $56.3M, +7.5% YoY.
- Total loans grew 9.4% annualized QoQ; deposits $6.5B, down 1.6% from Q3.
- Noninterest income $20.8M (+10.5% YoY); noninterest expense $50.0M (-2.6% YoY).
- Quarterly cash dividend of $0.62/share declared, payable Feb 21, 2025.

## SEC filing metadata
- accession: 0001005817-25-000002
- form_type: 8-K
- ticker: TMP
- cik: 0001005817
- company_name: TOMPKINS FINANCIAL CORP
- filed_at: 2025-01-31T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01, 8.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1005817/000100581725000002/0001005817-25-000002-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1005817/000100581725000002/tmp-20250131.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001005817-25-000002
- JSON: https://secwatch.observer/filing/0001005817-25-000002.json
- Plain text: https://secwatch.observer/filing/0001005817-25-000002.txt

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