TMPTOMPKINS FINANCIAL CORP
State Commercial Banks
- Revenue
- $76M
- 4.5% YoY
- Operating margin
- —
- EBITDA
- —
- Market cap
- —
- Employees
- —
- Net debt / EBITDA
- —
- AI in 10-K
- —
Red flags 1 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashFired24% of net incomeCash flow under 80% of net income
- Dilutive SBCClear5% of revenueOver 10% of revenue
- Payouts exceed cash flowClear97% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear1% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Revenue | $73M | $74M | $75M | $79M | $76M | 4.5% |
| Net income | $89M | $85M | $10M | $71M | $161M | 127% |
| Operating cash flow | $121M | $103M | $89M | $95M | $39M | 59% |
| Capex | $5M | $8M | $7M | $6M | $7M | 11% |
| Stock-based comp | $5M | $4M | $4M | $5M | $3M | 25% |
| Buybacks | $24M | $15M | $9M | $0 | $2M | |
| Dividends | $32M | $34M | $35M | $35M | $36M | 3.0% |
Deal filings
None.
13D filers
None on file.
Insider trading
No open-market trades in the last 12 months.
Pay vs performance
| Year | CEO total comp | Comp actually paid | TSR (indexed) | Peer TSR |
|---|---|---|---|---|
| FY2025 | $3M | $2M | 123 | 211 |
| FY2024 | $2M | $2M | 88 | 144 |
| FY2023 | $3M | $1M | 75 | 107 |
| FY2022 | $2M | $2M | 93 | 98 |
| FY2021 | $2M | $2M | 97 | 119 |