---
schema_version: "secwatch.filing_event.v1"
accession: "0001005817-26-000020"
form_type: "8-K"
ticker: "TMP"
cik: "0001005817"
company_name: "TOMPKINS FINANCIAL CORP"
filed_at: "2026-01-30T23:59:59+00:00"
generated_at: "2026-05-16T05:52:40.858969+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Tompkins Financial Q4 record EPS $6.70/$1.78 operating; dividend raised 8.1% to $0.67

## Summary
- GAAP diluted EPS $6.70; operating EPS $1.78 (record); net income $96.2M, up 390% YoY.
- Sold Tompkins Insurance Agencies to Gallagher for ~$223M cash; pre-tax gain $188.2M.
- Sold $564.2M AFS securities at pre-tax loss $78.7M; reinvested at ~4.52% yield (vs 1.56%).
- Net interest margin 3.42%, up 49 bps YoY; loans +7.1%, deposits +7.2% from Dec 2024.
- Board declared $0.67/share dividend (+8.1% vs Q1 2025), payable Feb 22, record Feb 13.

## SEC filing metadata
- accession: 0001005817-26-000020
- form_type: 8-K
- ticker: TMP
- cik: 0001005817
- company_name: TOMPKINS FINANCIAL CORP
- filed_at: 2026-01-30T23:59:59+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/1005817/000100581726000020/0001005817-26-000020-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1005817/000100581726000020/tmp-20260129.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001005817-26-000020
- JSON: https://secwatch.observer/filing/0001005817-26-000020.json
- Plain text: https://secwatch.observer/filing/0001005817-26-000020.txt

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