Tompkins Financial Corporation

TMPAMEXFinancial Services● Active

$87.78

+$0.37(+0.42%)

Market Cap$1.3B

P/E Ratio—

52W High$88.85

52W Low$59.67

Avg Volume65K

Open$88.21

Beta0.74

Overview

Tompkins Financial Corporation (TMP) Free Cash Flow & Analysis

Annual & trailing free cash flow, FCF margin, YoY change, valuation ratios, and peer context.

TMP · free cash flow · updated Jun 8, 2026

Core FCF metrics

TMP · FCF · TTM · margin & CAGR

Free cash flow was $31.9M for FY2025 (fiscal year ending 2025-12-31), down 64.0% year-over-year The FCF margin was 5.5%. Five-year CAGR stands at -19.9%.

FY2025 Free Cash Flow$31.9M▼ -64.0% YoY

Trailing 12M (TTM)$82.7Mtrailing 4 quarters sum

FCF Margin5.5%$31.9M ÷ revenue

3-Year CAGR-30.5%FY2022 → FY2025

5-Year CAGR-19.9%FY2020 → FY2025

FormulaFCF = Operating Cash Flow − Capital ExpendituresTTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0

Source: FMP /cash-flow-statement · SEC 10-K / 10-Q · USDUpdated: Jun 8, 2026

Annual free cash flow history

FCF ($B, upper) · YoY Growth % (lower)

Positive FCFNegative FCF

Free Cash Flow

YoY Growth %

Annual free cash flow data

TMP · free cash flow history · annual / quarterly

Fiscal YearOperating CFCapExFree Cash FlowYoY ChangeFCF Margin

FY2025Latest$38.9M(7M)$31.9M▼ 64.0%5.5%

FY2024$95.0M(6M)$88.8M▲ +7.9%20.6%

FY2023$89.0M(7M)$82.2M▼ 13.6%27.1%

FY2022$103.3M(8M)$95.2M▼ 18.3%29.3%

FY2021$121.2M(5M)$116.4M▲ +20.2%36.8%

FCF = Operating Cash Flow − Capital Expenditures · CapEx shown as (negative) · Source: SEC filings via FMP

FCF valuation metrics

TMP · P/FCF · FCF yield · FCF per share

Tompkins Financial Corporation (TMP) trades at a FCF yield of 6.53% and a price-to-free-cash-flow ratio of 15.1x. FCF per share stands at $5.80, calculated using trailing twelve-month FCF divided by basic weighted-average shares outstanding.

FCF Yield (TTM)

6.53%

Free Cash Flow ÷ Market Cap

per FMP freeCashFlowYieldTTM definition

FCF per Share (TTM)

$5.80

TTM FCF ÷ Shares Outstanding

Price / FCF

x15.1

Share Price ÷ FCF per Share

EV / FCF (TTM)

x21.3

Enterprise Value basis

Source: FMP /key-metrics-ttm · /cash-flow-statement Q · /income-statementFY2025 · 2025-12-31

Cash flow statement summary

TMP · cash flow statement · operating / investing / financing

For FY2025, Tompkins Financial Corporation generated $38.9M in operating cash flow and spent 7M in capital expenditures, yielding $31.9M in free cash flow.

Operating Activities

+$38.9M

Cash from core business operations

2025-12-31

Investing Activities

−$300.7M

CapEx, acquisitions & investments

2025-12-31

Financing Activities

+$260.3M

Buybacks, dividends & debt

2025-12-31

FCF FormulaOperating CF ($38.9M) − |CapEx| (7M) = FCF ($31.9M)

For the complete Operating / Investing / Financing line-item breakdown:

View Full Cash Flow Statement →

Free cash flow vs peers (Financial Services)

TMP vs peers · FCF

#CompanyFree Cash FlowYoYFCF MarginRelative

Tompkins Financial CorporationYOU

TMP

$31.9M-64.0%5.5%

Berkshire Hathaway Inc.

BRK-B

$25.04B+115.6%6.7%

25%

Berkshire Hathaway Inc.

Mastercard Incorporated

$16.91B+18.2%51.6%

17%

Financial Services · Sorted by FCF · FMP /cash-flow-statementFull FCF Rankings →

About Free Cash Flow & Methodology

Tompkins Financial Corporation (TMP) reported free cash flow of $31.9M for FY2025 (fiscal year ending 2025-12-31), down 64.0% year-over-year. The FCF margin was 5.5%.

Based on available data, Tompkins Financial Corporation has maintained positive free cash flow for at least 15 fiscal year(s). FCF peaked at $116.4M in FY2021. The 5-year CAGR stands at -19.9%.

Tompkins Financial Corporation's FCF yield is 6.53% and price-to-FCF ratio is 15.1x for FY2025, based on the latest available data.

Data sourced from FMP /cash-flow-statement · SEC 10-K / 10-Q · USD.

Q&A and summaries align with SEC 10-K/10-Q cash flow disclosures and FMP /cash-flow-statement where noted.

Revenue Financial statements Net income Earnings Forecast Price history Market cap Cash on hand P/E ratio

Frequently asked questions

TMP free cash flow · 8 questions

Tompkins Financial Corporation free cash flow was $31.9M for FY2025, down 64.0% year-over-year. On a trailing twelve-month (TTM) basis, free cash flow stands at $82.7M.

TMP free cash flowTMP FCFTMP FCF 2025TMP free cash flow TTM

▸ Source: FMP /cash-flow-statement · US GAAP · Tompkins Financial Corporation · Tompkins Financial Corporation SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 8, 2026