Tompkins Financial Q3 EPS $1.65, up 27% YoY; dividend raised 4.6%

TOMPKINS FINANCIAL CORP

2025-Q3 EPS reported $4.52

Diluted EPS $1.65 vs $1.30 YoY; net income $23.7M, up $5.0M or 27%.
Net interest margin 3.20%, up 41 bps YoY; loans up 6.9% and deposits up 7.2% from Sep 2024.
Nonperforming assets fell to 0.63% of total assets from 0.78% a year ago.
Regular quarterly dividend increased to $0.65 per share, payable Nov 14 to holders of record Nov 7.
Special Mention & Substandard loans rose to $144.2M from $96.8M, driven by two loans totaling $41.2M.

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