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Zacks Company Profile for Tompkins Financial Corporation (TMP : AMEX)

• Company Description    Tompkins Financial Corporation is a financial services company with $5.5 billion in assets serving the Central, Western and Hudson Valley regions of New York and the Southeastern region of Pennsylvania. Headquartered in Ithaca, NY, Tompkins Financial is parent to Tompkins Trust Company, Tompkins Bank of Castile, Tompkins Mahopac Bank, Tompkins VIST Bank, Tompkins Insurance Agencies, Inc., and offers wealth management services through Tompkins Financial Advisors. Number of Employees: 870

• Price / Volume Information    Yesterday's Closing Price: $85.80 Daily Weekly Monthly 20 Day Moving Average: 54,805 shares Shares Outstanding: 14.38 (millions) Market Capitalization: $1,234.06 (millions) Beta: 0.76 52 Week High: $86.95 52 Week Low: $59.67 Short Interest Ratio:   % Price Change % Price Change Relative to S&P 500 4 Week 1.27% -3.67% 12 Week 6.73% -1.33% Year To Date 18.31% 9.18%

• Address & Contact Information Street Address Phone / Fax Email Address Web URL 118 E. SENECA STREET P.O. BOX 460 - ITHACA,NY 14851 USA ph: 888-503-5753 fax: 607-273-0024 info@tompkinstrust.com http://www.tompkinsfinancial.com

• General Corporate Information    Officers Stephen S. Romaine - Chief Executive Officer;President Daniel J. Fessenden - Chairman of the Board Matthew D. Tomazin - Chief Financial Officer;Executive Vice President David K. Kershaw - Chief Accounting Officer Nancy E. Catarisano - Director Peer Information Tompkins Financial Corporation (CNBKA) Tompkins Financial Corporation (CNBI2) Tompkins Financial Corporation (CNOB) Tompkins Financial Corporation (FBNK.) Tompkins Financial Corporation (FMBN) Tompkins Financial Corporation (TBNK) Industry / Sector / Ticker Info Analyst Coverage: No Industry Group: BANKS-NORTHEAST Sector: Finance CUSIP: 890110109 SIC: 6022 Fiscal Year Fiscal Year End: December Last Reported Quarter: 03/01/26 Next Expected EPS Date: 07/24/26 Share - Related Items Shares Outstanding: 14.38 Most Recent Split Date: 2.00 (1.10:1) Beta: 0.76 Market Capitalization: $1,234.06 (millions)

• EPS Information     • Dividend Information Analyst Coverage: No Dividend Yield: 3.12% Current Fiscal Quarter EPS Consensus Estimate: $1.80 Indicated Annual Dividend: $2.68 Current Fiscal Year EPS Consensus Estimate: $7.55 Payout Ratio: 0.40 Number of Estimates in the Fiscal Year Consensus: 1.00 Change In Payout Ratio: -0.63 Estmated Long-Term EPS Growth Rate: % Last Dividend Paid: 05/08/2026 - $0.67 Next EPS Report Date: 07/24/26

• Fundamental Ratios P/E Current FY Estimate: 11.36 Trailing 12 Months: 12.71 PEG Ratio: - Price Ratios Price/Book: 1.30 Price/Cash Flow: 13.03 Price / Sales: 2.13 EPS Growth vs. Year Ago Period: 32.85% vs. Previous Quarter: 2.25% Sales Growth vs. Year Ago Period: 0.01% vs. Previous Quarter: -49.49% ROE 03/31/26 - 11.27 12/31/25 - 11.19 09/30/25 - 11.24 ROA 03/31/26 - 1.13 12/31/25 - 1.07 09/30/25 - 1.02 Current Ratio 03/31/26 - 0.94 12/31/25 - 0.95 09/30/25 - 0.92 Quick Ratio 03/31/26 - 0.94 12/31/25 - 0.95 09/30/25 - 0.92 Operating Margin 03/31/26 - 16.72 12/31/25 - 15.61 09/30/25 - 18.24 Net Margin 03/31/26 - 28.93 12/31/25 - 27.82 09/30/25 - 18.24 Pre-Tax Margin 03/31/26 - 40.33 12/31/25 - 38.84 09/30/25 - 23.94 Book Value 03/31/26 - 65.82 12/31/25 - 65.02 09/30/25 - 54.66 Inventory Turnover 03/31/26 - 10.08 12/31/25 - 10.15 09/30/25 - - Debt-to-Equity 03/31/26 - 0.47 12/31/25 - 0.60 09/30/25 - 0.56 Debt-to-Capital 03/31/26 - 32.19 12/31/25 - 37.56 09/30/25 - 36.06

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