How does Tompkins Financial (TMP) make money?

Tompkins Financial (TMP) generates revenue primarily from Card Services Income, which accounted for 58.1% of total revenue in TTM through Q1 2026. The company reported $578.95M in revenue and converted 28.9% of it into net profit, equivalent to roughly $167.47M in net income — what's left after the cost of revenue, operating expenses, interest, and income taxes.

What is the gross profit margin of Tompkins Financial (TMP)?

Tompkins Financial (TMP) reported a gross profit margin of 76.1% in TTM through Q1 2026, equivalent to $440.85M in gross profit on $578.95M in revenue. Gross margin measures how much of each dollar of revenue remains after the direct cost of producing or delivering the product — a higher figure typically signals pricing power, scale, or a less capital-intensive business model.

What is the operating profit margin of Tompkins Financial (TMP)?

Tompkins Financial (TMP) reported an operating profit margin of 40.3% in TTM through Q1 2026, equivalent to $233.52M in operating income. Operating margin captures profitability after research & development, sales & marketing, and general & administrative expenses — but before interest, taxes, and one-off items — and is the cleanest single read on the underlying business's efficiency.

What is the net profit margin of Tompkins Financial (TMP)?

Tompkins Financial (TMP) reported a net profit margin of 28.9% in TTM through Q1 2026, equivalent to $167.47M in net income. Net margin is the bottom-line share of revenue that survives every expense — operating costs, interest, and income taxes — and is the figure that flows directly into earnings per share.

Is Tompkins Financial (TMP) profitable?

Yes. Tompkins Financial (TMP) reported $167.47M in net income for TTM through Q1 2026, with a net profit margin of 28.9%. The company earned more from its operations than it paid out in costs, interest, and income taxes, leaving positive earnings on the bottom line.

How much does Tompkins Financial (TMP) spend on capital expenditures?

Tompkins Financial (TMP) spent $7.37M on capital expenditures (CapEx) during TTM through Q1 2026, roughly 1.3% of total revenue. CapEx represents long-lived investment in property, equipment, data centres, and other physical infrastructure, and is subtracted from operating cash flow to arrive at free cash flow.

How much free cash flow does Tompkins Financial (TMP) generate?

Tompkins Financial (TMP) generated $82.71M in free cash flow during TTM through Q1 2026, a free-cash-flow margin of 14.3%. Free cash flow is the cash left after capital expenditures and represents the discretionary pool the company can use to pay dividends, repurchase shares, repay debt, or fund acquisitions without raising external capital.

What is the effective tax rate of Tompkins Financial (TMP)?

Tompkins Financial (TMP) had an effective tax rate of 28.3% in TTM through Q1 2026. The effective rate is the actual share of pre-tax income paid as income taxes and can differ materially from the statutory rate due to foreign earnings mix, tax credits (such as R&D), share-based compensation deductions, and one-off discrete items.

What are the main business segments of Tompkins Financial (TMP)?

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. See the revenue-by-segment table on this page for the full breakdown and how each segment feeds into the income-statement waterfall above.

How Tompkins Financial Makes Money: 2026 Visual Revenue Map

Tompkins Financial (TMP) Income Statement Flow — TTM through Q1 2026

Calculated from the four most recent reported quarters, ending March 31, 2026 (reported May 5, 2026).

Tompkins Financial discloses geographic revenue only in annual filings. to view the full breakdown.

Tompkins Financial (TMP) Revenue by Product Segment — TTM through Q1 2026

Aggregated from the four quarterly disclosures behind this TTM. Minor differences vs the company's annual filing can occur if reported segments changed mid-year.

Revenue contribution by product segment for Tompkins Financial (TMP) in TTM through Q1 2026.
Segment	Revenue (USD)	% 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%

Card Services Income$336.53M
Service Charges On Deposit Accounts$206.75M
Other Non Interest Income$35.68M
Total$578.95M

Revenue Breakdown — TTM through Q1 2026

In TTM through Q1 2026, Tompkins Financial (TMP) reports revenue across 3 operating segments; the largest segment was Card Services Income at 58.1%, followed by Service Charges On Deposit Accounts (35.7%) and Other Non Interest Income (6.2%).

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