---
schema_version: "secwatch.filing_event.v1"
accession: "0001005817-26-000045"
form_type: "8-K"
ticker: "TMP"
cik: "0001005817"
company_name: "TOMPKINS FINANCIAL CORP"
filed_at: "2026-04-24T23:59:59+00:00"
generated_at: "2026-05-15T04:09:29.564932+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0001005817-26-000045
- form_type: 8-K
- ticker: TMP
- cik: 0001005817
- company_name: TOMPKINS FINANCIAL CORP
- filed_at: 2026-04-24T23:59:59+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/1005817/000100581726000045/0001005817-26-000045-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1005817/000100581726000045/tmp-20260423.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001005817-26-000045
- JSON: https://secwatch.observer/filing/0001005817-26-000045.json
- Plain text: https://secwatch.observer/filing/0001005817-26-000045.txt

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