Tompkins Financial Corporation · AMEX:TMP
Tompkins Financial — Shareholder Meeting (May 2026)
14 slides from Tompkins Financial's shareholder meeting presentation, May 19, 2026
Slide 1: Annual Shareholder Meeting May 19, 2026
Annual Shareholder Meeting May 19, 2026
Slide 2: Forward-Looking Information − Safe Harbor
This presentation contains "forward - looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Forward - looking statements are made based on management’s expectations and beliefs concerning future events impacting the Company and are subject to certain risks a
Slide 3: Tompkins Financial Strength
Tompkins Financial Strength • Long - standing commitment to sustainable performance • Profitable every year since at least 1942 • Remain well capitalized • Diversified and growing revenue streams • Disciplined credit culture, 10 - year average net charge offs below 0.04% • Strong core deposit base,
Slide 4: 2025 – Record Results and Positioned for the Future
2025 – Record Results and Positioned for the Future 4 th Quarter Net Income EPS GAAP $96.2 $6.70 TIA Sale^ $(129.3) $(9.01) Securities Reposition $58.6 $4.09 Operating (Non - GAAP) $25.6 $1.78 Full Year 2025 Net Income EPS GAAP $161.1 $11.24 TIA Sale^ $(129.3) $(9.02) Securities Reposition $58.6 $4.
Slide 5: 2025 Recap – Higher Revenue
2025 Recap – Higher Revenue • Growth in net interest income » Expanding net interest margin up 38 bps from 2024 » Increasing levels of loan growth (+7.1%) » Managed deposit costs, improving deposit growth • Higher levels of provision supporting loan growth • Noninterest income » Increased $108.7 mil
Slide 6: Annual Earnings Trends
Annual Earnings Trends 10 Year Compound Annual Growth Rate of 11.3% and 5.0%* $6.00 $8.00 $12.00 $10.00 Diluted EPS $4.00 $2.00 $0.00 2015Y 2016Y 2017Y 2018Y 2019Y 2020Y 2021Y 2022Y 2023Y 2024Y 2025Y Diluted EPS (GAAP) Non - GAAP Operating EPS (previously disclosed) *Represents the growth from 2015’
Slide 7: Highlights From Our Record First Quarter
EPS $1.82, up 33% vs. prior year quarter • Continued net interest margin expansion, up 59 bps as compared to a year ago • Loan Growth 6.8% YOY • Deposit growth improving while deposit rates moderating, average deposit balances up 5.2% vs a year ago Highlights From Our Record First Quarter • Liquidit
Slide 8: Quarterly Earnings Trends
1.10 1.30 1.37 1.37 1.50 1.65 6.70 1.82 1.78 $8.00 $7.00 $6.00 $5.00 $4.00 $3.00 $2.00 $1.00 $0.00 Q1 2026 Diluted EPS Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Diluted EPS (GAAP) Non - GAAP Operating EPS (previously disclosed) ▪ Q4 2025 reflects TIA sale and securities reposition ▪ Q1
Slide 9: Consistently Well Capitalized
16% 14% 12% 10% 8% 6% 4% 2% 0% 2018Y 2020Y 2021Y 2022Y 2023Y 2024Y 2025Y Q1 2026 Consistently Well Capitalized 16% 14% 12% 10% 8% 6% 4% 2% 0% 2019Y 2020Y 2021Y 2022Y 2023Y 2024 Y 2025 Y Q1 2026 Total Capital Ratio Tier 1 Ratio • Total capital ratio reflects capital that is $278 million above regulat
Slide 10: Profitability and Net Interest Margin vs. Peers
0% 5% 10% 15% 20% 25% TMP Peer (2) Profitability 0.00% 1.00% 2.00% 3.00% 4.00% TMP Peer (2) (1) Source: S&P Global (2) Peer represents “Benchmarking Peer Group” as listed in Tompkins 2026 Proxy ROAA (1) ROAE (1) 0.00% 0.50% 1.00% 1.50% 2.00% TMP Peer (2) Net Interest Margin (1) • 2023 results includ
Slide 11: Annual Cash Dividend Trends
Annual Cash Dividend Trends $0.00 $0.50 $1.00 $1.50 $2.00 $2.50 $3.00 2016Y 2017Y 2018Y 2019Y 2020Y 2021Y 2022Y 2023Y 2024Y 2025Y Cash Dividend Per Share TMP Cash Dividend: 10 Year Compound Annual Growth Rate of 3.7% Q1 2026 raised dividend 8.1% vs. Q1 2025 payable in Q2 2025
Slide 12: Stock Performance and Valuation
Stock Performance Total Return LTM 5YR 10YR TMP 45.6% 5.1% 5.7% Proxy Peer Median 23.5% 6.1% 9.0% Stock Valuation P/LTM EPS* *P/TBV Dividend Yield TMP 14.5x^ 1.41x 3.1% Proxy Peer Median 12.2x 1.53x 3.0% As of April 28, 2026 Stock Valuation P/LTM EPS* *P/TBV Dividend Yield TMP 11.7x^ 1.32x 4.2% Prox
Slide 13: Commitment to Sustainable Performance
Commitment to Sustainable Performance • Profitable for at least 84 consecutive years • Cash dividends increased for 37 consecutive years • Cash dividends paid for 146 consecutive years • Culture of sustainably generating top quartile return on equity • Valuable core deposit franchise • Strong histor
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