How Tompkins Financial (TMP) Makes Money: A Visual Guide
Tompkins Financial (TMP) generated $578.95M in revenue (TTM through Q4 2025), earning $161.07M in net profit (27.8% margin). Its largest revenue source is Total Insurance Revenues (21.7% of revenue). Below is an interactive breakdown of how revenue flows through the income statement.
Tompkins Financial (TMP) Income Statement Flow
Frequently asked questions
How does Tompkins Financial (TMP) make money?
- Tompkins Financial (TMP) primarily makes money through Total Insurance Revenues, which accounts for 21.7% of total revenue. For TTM through Q4 2025, Tompkins Financial generated $578.95M in total revenue with a net profit margin of 27.8%.
What is Tompkins Financial (TMP) gross profit margin?
- Tompkins Financial (TMP) reported a gross profit margin of 75.1% for TTM through Q4 2025, equivalent to $435.07M in gross profit. This means Tompkins Financial retains 75.1% of each revenue unit after direct costs of production.
What is Tompkins Financial (TMP) operating profit margin?
- Tompkins Financial (TMP) reported an operating profit margin of 38.8% for TTM through Q4 2025, equivalent to $224.86M in operating profit. This reflects profitability after operating expenses such as R&D, sales, and administration, but before taxes and non-operating items.
What is Tompkins Financial (TMP) net profit margin?
- Tompkins Financial (TMP) reported a net profit margin of 27.8% for TTM through Q4 2025, equivalent to $161.07M in net profit. This is the share of revenue that remains as profit after all expenses, taxes, and non-operating items.
How much does Tompkins Financial (TMP) spend on capital expenditures?
- Tompkins Financial (TMP) spent $6.40M on capital expenditures in TTM through Q4 2025 (1.1% of total revenue). Capital expenditures represent investments in physical assets such as property, equipment, and infrastructure.
What is Tompkins Financial (TMP) free cash flow?
- Tompkins Financial (TMP) generated $32.47M in free cash flow for TTM through Q4 2025 (5.6% of total revenue). Free cash flow is the cash remaining after capital expenditures and represents the company's ability to fund growth, pay dividends, or reduce debt.
What is Tompkins Financial (TMP) effective tax rate?
- Tompkins Financial (TMP) had an effective tax rate of 28.4% for TTM through Q4 2025. This is the actual percentage of pre-tax income paid as income taxes.
Data & methodology
What is a Sankey diagram?
- A Sankey diagram shows how money flows through a company from revenue to net profit. The width of each flow represents its proportion.
How is the data calculated?
- We use the income statement from company filings. For TTM (Trailing Twelve Months), we use a pre-aggregated twelve-month view aligned with our latest four quarterly periods. Revenue flows to cost of revenue and gross profit, then to operating expenses (R&D, S&M, G&A) and operating profit.
When was this data last updated?
- Based on company filings through TTM through Q4 2025.
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