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Dec 31, 2025
Tompkins Q4 2025 Earnings Report
Reported record quarterly earnings driven by the sale of the insurance subsidiary and margin expansion.
Key Takeaways
Tompkins delivered record Q4 earnings with sharply higher net income and EPS, primarily driven by the sale of Tompkins Insurance Agencies and a significantly improved net interest margin.
Record GAAP and non-GAAP earnings per share achieved in Q4
Net income surged due to the sale of Tompkins Insurance Agencies
Net interest margin expanded meaningfully quarter over quarter
Balance sheet repositioning improved future yield outlook
Revenue by Segment
Forward Guidance
Management expects continued momentum into 2026 supported by a stronger capital position and improved asset yields.
Positive Outlook
- Reinvestment of securities into higher-yielding assets
- Stronger capital ratios following the insurance sale
- Improving net interest margin trend
- Healthy loan growth across core portfolios
- Solid liquidity position entering 2026
Challenges Ahead
- Loss of recurring insurance revenue post-divestiture
- Exposure to interest rate volatility
- Potential credit normalization risks
- Higher operating expenses tied to growth initiatives
- Macroeconomic and regulatory uncertainties
Historical Earnings Impact
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Avg. Return Before/After Earnings
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