Tompkins Q2 EPS Up 36 Percent
Tompkins Financial (NYSEMKT:TMP), a community-focused banking company serving New York and Pennsylvania, reported its second quarter fiscal 2025 results on July 25, 2025. The headline news: Both GAAP earnings per share and revenue for Q2 2025 surpassed Wall Street forecasts, highlighting growth in core banking activities and stronger net interest margin. Diluted earnings per share (GAAP) reached $1.50 for Q2 2025, beating analyst expectations of $1.43 and the prior year’s $1.10, while revenue (GAAP) came in at $82.6 million for Q2 2025 versus the anticipated $81.1 million and $72.7 million last year. The quarter showed positive momentum in lending, deposits, and fee revenues. However, the period also saw a notable $4.7 million charge-off tied to a single commercial real estate loan. Asset quality metrics improved overall, but the large charge-off signals a need for vigilance. Management described the period as one of continued growth for the six months ended Q2 2025, supported by stable capital and liquidity, with some cost pressures arising from higher personnel expenses.
Source: Analyst estimates for the quarter provided by FactSet.
Tompkins Financial is a community banking company with 54 branches, mainly across New York and Pennsylvania. It provides retail banking, commercial lending, insurance, and wealth management services. Its business depends on close ties with local customers, which allows it to build stable deposit bases and make quick lending decisions. This personalized approach is a core part of the company’s operating model.
Source Fool.com
