<span item_type="fundamental" item_id="6edcdb8e48241f61942fc3669aecb4e6" counter_id="ST/US/TMP" env="prod"></span><span item_type="announcement" item_id="509114543686556033" env="prod"></span><p>EPS: As of FY2025 Q1, the actual value is USD 1.37, beating the estimate of USD 1.31.</p><p>EBIT: As of FY2025 Q1, the actual value is USD 25.8 K.</p><p></p><h3>Net Income</h3><p>Net income for the first quarter of 2025 was $19.7 million, unchanged from the immediate prior quarter, and up 16.6% from $16.9 million reported for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1005817/000100581725000008/q12025pressrelease.htm"></span></p><h3>Net Interest Income</h3><p>Net interest income was $56.7 million for the first quarter of 2025, up $381,000 or 0.7% compared to the fourth quarter of 2024, and up $6.0 million or 11.8% compared to the first quarter of 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1005817/000100581725000008/q12025pressrelease.htm"></span></p><h3>Noninterest Income</h3><p>Noninterest income for the first quarter of 2025 was $25.0 million, up $2.9 million or 13.1% compared to the first quarter of 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1005817/000100581725000008/q12025pressrelease.htm"></span></p><h3>Noninterest Expense</h3><p>Noninterest expense was $50.6 million for the first quarter of 2025, up $750,000 or 1.5% compared to the first quarter of 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1005817/000100581725000008/q12025pressrelease.htm"></span></p><h3>Provision for Credit Losses</h3><p>Provision for credit losses for the first quarter of 2025 was $5.3 million compared to $854,000 for the first quarter of 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1005817/000100581725000008/q12025pressrelease.htm"></span></p><h3>Cash Flow</h3><p>Cash and cash equivalents at March 31, 2025 were $193.1 million, up from $134.4 million at December 31, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1005817/000100581725000008/q12025pressrelease.htm"></span></p><h3>Asset Quality</h3><p>The allowance for credit losses represented 1.01% of total loans and leases at March 31, 2025, up from 0.94% at year-end 2024, and from 0.92% reported at March 31, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1005817/000100581725000008/q12025pressrelease.htm"></span></p><h3>Capital Position</h3><p>Regulatory Tier 1 capital to average assets was 9.31% at March 31, 2025, up compared to 9.27% at December 31, 2024, and 9.08% at March 31, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1005817/000100581725000008/q12025pressrelease.htm"></span></p><h3>Outlook / Guidance</h3><p>Tompkins Financial Corporation believes it remains well positioned with a strong balance sheet amidst new economic uncertainty. The company is committed to supporting local communities and driving growth through building quality customer relationships.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1005817/000100581725000008/q12025pressrelease.htm"></span></p>

Tompkins Finc | 8-K: FY2025 Q1 EPS Beats Estimate at USD 1.37