How Tompkins Financial (TMP) Makes Money: A Visual Guide
Tompkins Financial (TMP) generated $578.95M in revenue, earning $167.47M in net profit (28.9% margin). Its largest revenue source is Card Services Income (58.1% of revenue). Below is an interactive breakdown of how revenue flows through the income statement.
In TTM through Q1 2026, Tompkins Financial (TMP) generated revenue across 3 reportable product segments; the largest contributor was Card Services Income at 58.1%, followed by Service Charges On Deposit Accounts (35.7%) and Other Non Interest Income (6.2%).
Tompkins Financial (TMP) Income Statement Flow — TTM through Q1 2026
Calculated from the four most recent reported quarters, ending (reported ).
Tompkins Financial (TMP) Revenue by Product Segment — TTM through Q1 2026
Revenue contribution by product segment for Tompkins Financial (TMP) in TTM through Q1 2026.
Card Services Income
- Revenue
- $336.53M
- % of total
- 58.1%
Service Charges On Deposit Accounts
- Revenue
- $206.75M
- % of total
- 35.7%
Other Non Interest Income
- Revenue
- $35.68M
- % of total
- 6.2%
Total
- Revenue
- $578.95M
- % of total
- 100%
| Segment | Revenue | % of total |
|---|---|---|
| Card Services Income | $336.53M | 58.1% |
| Service Charges On Deposit Accounts | $206.75M | 35.7% |
| Other Non Interest Income | $35.68M | 6.2% |
| Total | $578.95M | 100% |
Frequently asked questions
How does Tompkins Financial (TMP) make money?
Tompkins Financial (TMP) primarily makes money through Card Services Income, which accounts for 58.1% of total revenue. For TTM through Q1 2026, Tompkins Financial generated $578.95M in total revenue with a net profit margin of 28.9%.
What is Tompkins Financial (TMP) gross profit margin?
Tompkins Financial (TMP) reported a gross profit margin of 76.1% for TTM through Q1 2026, equivalent to $440.85M in gross profit. This means Tompkins Financial retains 76.1% 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 40.3% for TTM through Q1 2026, equivalent to $233.52M 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 28.9% for TTM through Q1 2026, equivalent to $167.47M 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 $7.37M on capital expenditures in TTM through Q1 2026 (1.3% 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 $82.71M in free cash flow for TTM through Q1 2026 (14.3% 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 28.3% for TTM through Q1 2026. This is the actual percentage of pre-tax income paid as income taxes.
What are Tompkins Financial (TMP) main revenue segments?
Tompkins Financial (TMP) reports revenue across 3 reportable product segments, led by Card Services Income at 58.1% of total revenue in TTM through Q1 2026. The full segment-by-segment breakdown is shown in the revenue-by-segment table on this page.
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.
Where do segment and geographic numbers come from?
Product-segment shares come from the same TTM income statement that powers the Sankey chart. Geographic splits are first rebuilt from the four most recent quarterly geographic-segmentation filings so they align with the same TTM window; if quarterly geo data is missing, we fall back to the latest annual disclosure (the table heading shows which one is in use).
When was this data last updated?
Based on company filings through TTM through Q1 2026.
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