What is a cash flow waterfall?

A cash flow waterfall is a bar chart that walks from operating cash flow through capital expenditure to free cash flow, then shows how the remaining cash is allocated — acquisitions, buybacks, dividends, debt, and other financing — ending at the net change in cash. Each step is colour-coded: green bars add to the running total, red bars subtract.

How does Tompkins Financial (TMP) spend its free cash flow?

For TTM through Q1 2026, Tompkins Financial generated $90.1M of operating cash flow and $82.7M of free cash flow — a free cash flow margin of 91.8% of operating cash flow. The waterfall breaks down how the remaining cash was allocated across investing and financing activities.

How much did Tompkins Financial (TMP) return via buybacks and dividends?

The waterfall shows buybacks (share repurchases) and dividends paid as separate steps in the financing section. Together these represent Tompkins Financial's shareholder returns for TTM through Q1 2026. You can compare these against free cash flow to assess the capital-return payout ratio.

Tompkins Financial (TMP) Cash Flow Waterfall

Operating CF

$90.1M

Capex

-$7.37M

Free Cash Flow

$82.7M

FCF Margin

+91.8%

Cash flow waterfall for Tompkins Financial (TMP) — TTM through Q1 2026

Free cash flow: $82.7M

Note: Other Investing is large — driven mainly by purchases or sales of investments.

Cash flow breakdown for Tompkins Financial (TMP) — TTM through Q1 2026

Line item	Amount	Running total
Operating Cash Flow	$90.1M	$90.1M
Capital Expenditure	-$7.37M	$82.7M
Free Cash Flow	$82.7M	$82.7M
Acquisitions	$223M	$306M
Other Investing	-$538M	-$233M
Share Buybacks	-$4.48M	-$237M
Dividends Paid	-$36.8M	-$274M
Net Debt Change	-$6.47M	-$280M
Other Financing & FX	$259M	-$21.6M
Net Cash Decrease	-$21.6M	-$21.6M

Operating Cash Flow$90.1M
Capital Expenditure-$7.37M
Free Cash Flow$82.7M
Acquisitions$223M
Other Investing-$538M
Share Buybacks-$4.48M
Dividends Paid-$36.8M
Net Debt Change-$6.47M
Other Financing & FX$259M
Net Cash Decrease-$21.6M

Want to see what drove the FCF change?Free Cash Flow Bridge

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