For the year ending 2025-12-31, TMP had -$1,581K decrease in cash & cash equivalents over the period. $31,949K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income attributable to tompkins financial corporation | 161,071 |
| Provision for credit loss expense | 11,534 |
| Depreciation and amortization of premises, equipment, and software | 8,325 |
| Amortization of intangible assets | 292 |
| Gain on sale of tia | 188,241 |
| Transaction costs related to the sale of tia | 11,586 |
| Earnings from corporate owned life insurance | 2,415 |
| Net amortization on securities | 3,968 |
| Amortization/accretion related to purchase accounting | -269 |
| Current year tax liability | -37,457 |
| Deferred income tax (benefit) expense | -1,355 |
| Net (gain) loss on securities transactions | -78,689 |
| Net gain on sale of loans originated for sale | 2,161 |
| Proceeds from sale of loans originated for sale | 87,727 |
| Loans originated for sale | 89,317 |
| Loans held for sale | 43,440 |
| Net gain on sale of bank premises and equipment | -28 |
| Net excess tax (expense) benefit from stock based compensation | -69 |
| Stock-based compensation expense | 3,486 |
| Increase in accrued interest receivable | 1,874 |
| Increase in accrued interest payable | 66 |
| Other, net | 5,248 |
| Net cash provided by operating activities | 38,870 |
| Proceeds from maturities, calls and principal paydowns of available-for-sale debt securities | 227,990 |
| Proceeds from sales of available-for-sale debt securities | 485,516 |
| Purchases of available-for-sale debt securities | 812,581 |
| Net increase in loans | 445,474 |
| Proceeds from sale/redemptions of federal home loan bank stock | 144,409 |
| Purchases of federal home loan bank and other stock | 134,462 |
| Proceeds from sale of bank premises and equipment | 2,435 |
| Purchases of bank premises, equipment and software | 6,921 |
| Purchase of corporate owned life insurance | 2 |
| Proceeds from redemption of corporate owned life insurance | 1,022 |
| Proceeds from sale of other real estate owned | -16,669 |
| Net proceeds from the sale of tia | 220,665 |
| Other, net | 0 |
| Net cash (used in) provided by investing activities | -300,734 |
| Net increase (decrease) in demand, money market, and savings deposits | 235,939 |
| Net increase in time deposits | 230,280 |
| Net increase (decrease) in federal funds purchased and securities sold under agreements to repurchase | 58,533 |
| Increase in other borrowings | 367,446 |
| Repayment of other borrowings | 593,247 |
| Cash dividends | 36,092 |
| Common stock issued | 119 |
| Repurchase of common stock | 1,650 |
| Net shares issued related to restricted stock awards | -1,012 |
| Net proceeds from exercise of stock options | 33 |
| Net cash provided by (used in) financing activities | 260,283 |
| Net increase in cash and cash equivalents | -1,581 |
| Cash and cash equivalents, beginning of the period | 134,398 |
| Total cash and cash equivalents at end of period | 132,817 |
TOMPKINS FINANCIAL CORP (TMP)
TOMPKINS FINANCIAL CORP (TMP)