Tompkins Financial reports record Q1 EPS $1.82, NIM expands to 3.57%, dividend raised 7.5%

TOMPKINS FINANCIAL CORP

2026-Q1 EPS reported $1.82

Diluted EPS of $1.82, up 32.8% YoY; net income $26.1M, up 32.5% YoY.
Net interest margin of 3.57%, up 59 bps from Q1 2025; total loans up 6.8% YoY.
Total deposits of $7.1B, up 4.5% YoY; loan-to-deposit ratio 91.8%.
Quarterly cash dividend increased to $0.67/share, payable May 15, 2026; up 7.5% YoY.
Company repurchased 23,731 shares for $1.8M in Q1 2026 under 2025 repurchase plan.

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