The strong YoY EPS growth and expanding net interest margin suggest improving core banking fundamentals. Monitor Q2 results to confirm the sustainability of margin expansion and loan growth trends. The dividend increase signals confidence in continued earnings strength.
Price Chart
Executive Summary
Tompkins Financial reported Q1 2026 earnings with diluted EPS of $1.82, up 32.8% YoY but down significantly from the prior quarter due to a large gain on the sale of its insurance subsidiary in Q4 2025. Net interest margin expanded to 3.57%, driven by loan growth and lower funding costs. The company also declared a dividend increase to $0.67 per share, up 7.5% YoY.
Key Financial Metrics
Key Facts
- Diluted EPS of $1.82 for Q1 2026, up 32.8% YoY from $1.37
- Net interest margin improved to 3.57%, up 15 bps QoQ and 59 bps YoY
- Total loans increased $31.7M (0.5%) QoQ and $411.3M (6.8%) YoY
- Total deposits increased $116.4M (1.7%) QoQ to $7.1B
- Dividend increased to $0.67 per share, up $0.05 (7.5%) from Q1 2025
Financial Impact
EPS beat consensus by 4.0%, net interest income up 4.1% QoQ, dividend increased 7.5% YoY
Risk Factors
- Prior quarter's results were inflated by a $188.2M gain from the sale of TIA, making Q1 2026 results appear weaker in comparison
- Noninterest income declined 52.7% YoY due to the absence of insurance revenue from the divested TIA subsidiary
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 7 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001005817-26-000045 |
| Document: tmp-20260423.htm | 0001005817-26-000045 |
| Document: q2div2026pressrelease.htm | 0001005817-26-000045 |
| Document: 0001005817-26-000045-index-headers.html | 0001005817-26-000045 |
| Document: 0001005817-26-000045-index.html | 0001005817-26-000045 |
| Document: 0001005817-26-000045.txt | 0001005817-26-000045 |
| 8-K Data (Synthetic) | 0001005817-26-000045 |
Track record builds as more directional reports settle.
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 23, 2026 3d ago | 8-K | $101.20 $102.47 | ▲ +1.25% | ▲ +0.54% | $102.47 (+1.25%) |
Jul 28, 2026 12w ago | 8-K | $101.25 $99.44 | ▼ −1.79% | ▼ −0.25% | $102.47 (+1.20%) |
Jul 24, 2026 13w ago | 8-K | $101.12 $99.68 | ▼ −1.42% | ▼ −1.45% | $102.47 (+1.34%) |
May 19, 2026 22w ago | 8-K | $83.16 $85.46 | ▲ +2.77% | ▲ +1.73% | $102.47 (+23.22%) |
Apr 27, 2026 26w ago | 8-K | $83.53 $85.57 | ▲ +2.44% | ▲ +2.92% | $102.47 (+22.67%) |
Apr 24, 2026 26w ago | 8-K | $81.69 $84.19 | ▲ +3.06% | ▲ +2.90% | $102.47 (+25.44%) |
US Market Status
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