---
schema_version: "secwatch.filing_event.v1"
accession: "0001005817-25-000016"
form_type: "8-K"
ticker: "TMP"
cik: "0001005817"
company_name: "TOMPKINS FINANCIAL CORP"
filed_at: "2025-07-25T23:59:59+00:00"
generated_at: "2026-05-18T00:45:43.623847+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Tompkins Q2 EPS $1.50 up 36% YoY; NIM expands to 3.08%; declares $0.62 dividend

## Summary
- Diluted EPS $1.50, up 9.5% QoQ and 36.4% from $1.10 in Q2 2024; net income $21.5M.
- Net interest margin 3.08%, up 35 bps YoY; net interest income $60.1M, +18% YoY.
- Total loans +7.1% YoY to $6.2B; total deposits +6.8% YoY to $6.7B.
- Board declared $0.62/share cash dividend payable Aug 15, record Aug 8.
- New 400,000-share buyback program authorized, replacing prior 2023 program.

## SEC filing metadata
- accession: 0001005817-25-000016
- form_type: 8-K
- ticker: TMP
- cik: 0001005817
- company_name: TOMPKINS FINANCIAL CORP
- filed_at: 2025-07-25T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01, 8.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1005817/000100581725000016/0001005817-25-000016-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1005817/000100581725000016/tmp-20250724.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001005817-25-000016
- JSON: https://secwatch.observer/filing/0001005817-25-000016.json
- Plain text: https://secwatch.observer/filing/0001005817-25-000016.txt

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