TMP 8-K SEC Filing Analysis

Latest settled — T+5d

TMP ▲ +4.77% at T+5d

NEUTRAL call ✓ call won +4.77% · α vs SPY +2.53% · entry $83.16 → $87.13

Next anchor: T+20d in 2d

Last close $92.02 (close Jun 12) · +10.65% from $83.16 entry

Entry anchored
May 19, 11:13 AM ET
via Databento tick

T+1d

+2.77%

call +2.77% · α +1.73%

$85.46

settled 26d ago

T+5d

+4.77%

call +4.77% · α +2.53%

$87.13

settled 19d ago

T+20d

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T+60d

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Executive Summary

Tompkins Financial Corporation furnished its 2026 Annual Meeting presentation via an 8-K (Items 7.01, 9.01). The presentation highlights record 2025 results driven by the TIA sale and securities repositioning, strong Q1 2026 operating EPS of $1.82 (up 33% YoY), expanding net interest margin, 6.8% YoY loan growth, a well-capitalized balance sheet, and an 8.1% dividend increase. This is a routine investor communications filing with positive operational metrics but no new material events or forward guidance.

Actionable Insight

The filing reiterates the company's strong operating trajectory and capital position but does not disclose new forward guidance or material events. Monitor upcoming 10-Q filings for continued loan growth, NIM expansion, and credit quality trends. The stock's current valuation at 14.5x LTM core earnings and 1.41x tangible book value appears well-supported by fundamentals, but this filing alone is not a trigger for position changes.

Key Facts

1Q 2026 diluted EPS of $1.82, up 33% vs prior year quarter
1Q 2026 net interest margin expanded 59 bps YoY
1Q 2026 loan growth of 6.8% YoY
1Q 2026 average deposit balances up 5.2% YoY
1Q 2026 Tier 1 Capital Ratio of 10.58%, up 14% vs prior year
1Q 2026 book value per share of $65.78, up 28% YoY
Full year 2025 GAAP net income of $161.1M, GAAP diluted EPS of $11.24
Full year 2025 operating (non-GAAP) EPS of $6.31, up 27% vs 2024
Q1 2026 dividend raised 8.1% vs Q1 2025
10-year average net charge-offs below 0.04%
Wholesale funding as a percentage of total assets at 6.4% in Q1 2026 vs 9.8% in 2019

Financial Impact

1Q 2026 diluted EPS of $1.82 vs $1.37 in the prior year quarter, up 32.8% per the filing; full year 2025 GAAP net income $161.1M

diluted EPSnet interest marginloan growthbook value per sharedividend per share

Risk Factors

Potential normalization of net interest margin as rate environment stabilizes
Credit risk from loan growth in a potentially slowing economy
Integration and earnings replacement risk following the TIA sale

Market Snapshot

Exchange

NYSE

Sector

State Commercial Banks

Analyst Consensus

67% bullish (6 analysts)

Documents Analyzed

This report is based on 5 SEC documents filed with EDGAR.

Document	Accession Number
8-K Filing (Primary)	0001999371-26-011044
Exhibit: ex99-1.htm	0001999371-26-011044
Document: 0001999371-26-011044-index-headers.html	0001999371-26-011044
Document: 0001999371-26-011044-index.html	0001999371-26-011044
Document: 0001999371-26-011044.txt	0001999371-26-011044

3 reports for TMP

T+1T+5T+20T+60

Track record builds as more directional reports settle.

Filters

Reports for TMP — sortable, filterable
	Type				Now
May 19, 2026 26d ago	8-K NEUTRAL ★ 4/10	$83.16 $87.13	▲ +4.77%	▲ +2.53%	$92.02 (+10.65%)
Apr 27, 2026 6w ago	8-K NEUTRAL ★ 4/10	$83.53 $83.05	▼ −0.58%	▼ −0.98%	$92.02 (+10.16%)
Apr 24, 2026 7w ago	8-K BULLISH ★ 7/10	$81.69 $84.27	▲ +3.16%	▲ +2.25%	$92.02 (+12.65%)

US Market Status

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