Form 8-K

8-K — TOMPKINS FINANCIAL CORP

Accession: 0001999371-26-011044

Filed: 2026-05-19

Period: 2026-05-19

CIK: 0001005817

SIC: 6022 (STATE COMMERCIAL BANKS)

Item: Regulation FD Disclosure

Item: Financial Statements and Exhibits

Documents

8-K — tmp-8k_051926.htm (Primary)

EX-99.1 — TOMPKINS FINANCIAL CORPORATION 2026 ANNUAL MEETING PRESENTATION DATED MAY 19, 2026 (ex99-1.htm)

GRAPHIC (tmp8kex991_001.jpg)

GRAPHIC (tmp8kex991_002.jpg)

GRAPHIC (tmp8kex991_003.jpg)

GRAPHIC (tmp8kex991_004.jpg)

GRAPHIC (tmp8kex991_005.jpg)

GRAPHIC (tmp8kex991_006.jpg)

GRAPHIC (tmp8kex991_007.jpg)

GRAPHIC (tmp8kex991_008.jpg)

GRAPHIC (tmp8kex991_009.jpg)

GRAPHIC (tmp8kex991_010.jpg)

GRAPHIC (tmp8kex991_011.jpg)

GRAPHIC (tmp8kex991_012.jpg)

GRAPHIC (tmp8kex991_013.jpg)

GRAPHIC (tmp8kex991_014.jpg)

XML — IDEA: XBRL DOCUMENT (R1.htm)

8-K — CURRENT REPORT

8-K (Primary)

Filename: tmp-8k_051926.htm · Sequence: 1

false

0001005817

2026-05-19

iso4217:USD

xbrli:shares

iso4217:USD

xbrli:shares

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 OR 15(d) of The Securities

Exchange Act of 1934

Date of Report (Date of earliest event reported)

May 19, 2026

Tompkins

Financial Corporation

(Exact name of registrant as specified in its charter)

New York

1-12709

16-1482357

(State or other jurisdiction

(Commission

(IRS Employer

of incorporation)

File Number)

Identification No.)

118 East Seneca Street

P.O. Box 460, Ithaca New York

14851

(Address of Principal executive offices)

(Zip Code)

Registrant’s telephone number, including area code

(888) 503-5753

(Former name or former address, if changed since last report.)

Check the appropriate box below if the Form 8-K filing is intended

to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2.

below):

☐

Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐

Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17CFR 240.14a-12)

☐

Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐

Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading Symbol(s)

Name of each exchange on which

registered

Common Stock, $0.10 par value

TMP

NYSE American, LLC

Indicate by check mark whether the registrant is an

emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities

Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company

☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 7.01 Regulation FD Disclosure.

Tompkins Financial Corporation (the "Company")

is furnishing the materials presented at the Company’s Annual Meeting of Shareholders on May 19, 2026 as Exhibit 99.1 to this report,

which are incorporated herein by reference.

The information furnished in this Item 7.01 shall

not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject

to the liabilities of that Section, nor shall such information be deemed incorporated by reference in any filing under the Securities

Act of 1933, as amended. This report will not be deemed an admission as to the materiality of any information herein (including Exhibit

99.1).

Item 9.01 Financial Statements and Exhibits.

(d)

Exhibits.

EXHIBIT INDEX

Exhibit No.

Description

99.1

Tompkins Financial Corporation 2026 Annual Meeting Presentation dated May 19, 2026

104

Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange

Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

TOMPKINS FINANCIAL CORPORATION

Date: May 19, 2026

/s/ Stephen S. Romaine

Stephen S. Romaine

President and CEO

EX-99.1 — TOMPKINS FINANCIAL CORPORATION 2026 ANNUAL MEETING PRESENTATION DATED MAY 19, 2026

EX-99.1

Filename: ex99-1.htm · Sequence: 2

Tompkins Financial Corporation 8-K

Exhibit 99.1

Annual Shareholder Meeting May 19, 2026

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 and uncertainties that could cause actual results of the Company to differ materially from those expressed and/or implied by forward - looking statements and historical performance. Forward - looking statements may be identified by use of such words as "may", "will", "estimate", "intend", "continue", "believe", "expect", "plan", or "anticipate", and other similar words. Some of the factors that are among those that could cause actual results to differ materially from the forward - looking statements are those described in our Quarterly Report on Form 10 - Q and Annual Report on Form 10 - K as filed with the Securities and Exchange Commission. The Company does not undertake any obligation to update the forward - looking statements. Forward - Looking Information − Safe Harbor

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, core deposits represent 90.8%* of deposits • Liquidity improvement with the ratio of wholesale funding as a percentage of total assets at 6.4% in Q1 2026 vs. 9.8% in 2019 * Source: UBPR as of March 31, 2026

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 $4.09 Operating (Non - GAAP) $90.4 $6.31 4 th Quarter EPS up 389% and 30%* vs Prior Year 2025 EPS up 127% and 27%* vs Prior Year ^TIA sale included $188.2 million of revenue, $4.3 million of expense, and $54.6 million taxes *Represents the growth in Operating (non - GAAP) EPS

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 million or 123% driven by sale of TIA net of securities reposition • Noninterest expense » Noninterest expense up $10.6 million or 5.3% » Includes $4.3 million of transaction related expenses from the sale of TIA » Growth in expenses attributed to salaries and wages Diluted EPS up 126%, Operating EPS (Non - GAAP) up 27% vs 2024

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’s Diluted EPS of $3.87 to 2026’s Operating (Non - GAAP) EPS of $6.31

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 • Liquidity remains strong; Loan to Deposit ratio 91.8% • Tier 1 Capital Ratio of 10.58% is up 14% vs. prior year • Book Value of $65.78 up 28% vs. prior year

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 2026 Diluted EPS is up 32.8% vs prior year quarter Quarterly Earnings Trends

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 regulatory minimums • Well capitalized on a historically lower risk balance sheet Well Capitalized threshold Well Capitalized threshold

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 include balance sheet repositioning, which resulted in an after - tax loss of $52.9 million ** 2025 results include TIA sale and securities reposition, which resulted in an after - tax gain of $129.3 million, and an after - tax loss of $58.6 million, respectively ***Quarterly results annualized

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

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% Proxy Peer Median 12.5x 1.25x 3.4% As of April 28, 2025 “Last Year” Positive total returns over the last 12 months Total return favorably impacted by improving earnings and multiple expansion vs. prior year * Source: S&P Global ^Represents price to LTM core earnings

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 historical credit quality • Strengthening loan growth • Disciplined expense management • Well - positioned for growth with adequate Capital and Liquidity

GRAPHIC

Filename: tmp8kex991_001.jpg · Sequence: 3

Binary file (50268 bytes)

Download tmp8kex991_001.jpg

GRAPHIC

Filename: tmp8kex991_002.jpg · Sequence: 4

Binary file (126579 bytes)

Download tmp8kex991_002.jpg

GRAPHIC

Filename: tmp8kex991_003.jpg · Sequence: 5

Binary file (83935 bytes)

Download tmp8kex991_003.jpg

GRAPHIC

Filename: tmp8kex991_004.jpg · Sequence: 6

Binary file (93184 bytes)

Download tmp8kex991_004.jpg

GRAPHIC

Filename: tmp8kex991_005.jpg · Sequence: 7

Binary file (91129 bytes)

Download tmp8kex991_005.jpg

GRAPHIC

Filename: tmp8kex991_006.jpg · Sequence: 8

Binary file (81212 bytes)

Download tmp8kex991_006.jpg

GRAPHIC

Filename: tmp8kex991_007.jpg · Sequence: 9

Binary file (80163 bytes)

Download tmp8kex991_007.jpg

GRAPHIC

Filename: tmp8kex991_008.jpg · Sequence: 10

Binary file (74232 bytes)

Download tmp8kex991_008.jpg

GRAPHIC

Filename: tmp8kex991_009.jpg · Sequence: 11

Binary file (99676 bytes)

Download tmp8kex991_009.jpg

GRAPHIC

Filename: tmp8kex991_010.jpg · Sequence: 12

Binary file (97291 bytes)

Download tmp8kex991_010.jpg

GRAPHIC

Filename: tmp8kex991_011.jpg · Sequence: 13

Binary file (83789 bytes)

Download tmp8kex991_011.jpg

GRAPHIC

Filename: tmp8kex991_012.jpg · Sequence: 14

Binary file (97360 bytes)

Download tmp8kex991_012.jpg

GRAPHIC

Filename: tmp8kex991_013.jpg · Sequence: 15

Binary file (81028 bytes)

Download tmp8kex991_013.jpg

GRAPHIC

Filename: tmp8kex991_014.jpg · Sequence: 16

Binary file (35009 bytes)

Download tmp8kex991_014.jpg

XML — IDEA: XBRL DOCUMENT

XML

Filename: R1.htm · Sequence: 21

v3.26.1

Cover

May 19, 2026

Cover [Abstract]

Document Type

8-K

Amendment Flag

false

Document Period End Date

May 19, 2026

Entity File Number

1-12709

Entity Registrant Name

Tompkins

Financial Corporation

Entity Central Index Key

0001005817

Entity Tax Identification Number

16-1482357

Entity Incorporation, State or Country Code

Entity Address, Address Line One

118 East Seneca Street

Entity Address, Address Line Two

P.O. Box 460

Entity Address, City or Town

Ithaca

Entity Address, State or Province

Entity Address, Postal Zip Code

14851

City Area Code

(888)

Local Phone Number

503-5753

Written Communications

false

Soliciting Material

false

Pre-commencement Tender Offer

false

Pre-commencement Issuer Tender Offer

false

Title of 12(b) Security

Common Stock, $0.10 par value

Trading Symbol

TMP

Security Exchange Name

NYSEAMER

Entity Emerging Growth Company

false

- Definition

Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.

+ References

No definition available.

+ Details

Name:

dei_AmendmentFlag

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Area code of city

+ References

No definition available.

+ Details

Name:

dei_CityAreaCode

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Cover page.

+ References

No definition available.

+ Details

Name:

dei_CoverAbstract

Namespace Prefix:

dei_

Data Type:

xbrli:stringItemType

Balance Type:

Period Type:

duration

- Definition

For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period. The format of the date is YYYY-MM-DD.

+ References

No definition available.

+ Details

Name:

dei_DocumentPeriodEndDate

Namespace Prefix:

dei_

Data Type:

xbrli:dateItemType

Balance Type:

Period Type:

duration

- Definition

The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.

+ References

No definition available.

+ Details

Name:

dei_DocumentType

Namespace Prefix:

dei_

Data Type:

dei:submissionTypeItemType

Balance Type:

Period Type:

duration

- Definition

Address Line 1 such as Attn, Building Name, Street Name

+ References

No definition available.

+ Details

Name:

dei_EntityAddressAddressLine1

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Address Line 2 such as Street or Suite number

+ References

No definition available.

+ Details

Name:

dei_EntityAddressAddressLine2

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Name of the City or Town

+ References

No definition available.

+ Details

Name:

dei_EntityAddressCityOrTown

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Code for the postal or zip code

+ References

No definition available.

+ Details

Name:

dei_EntityAddressPostalZipCode

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Name of the state or province.

+ References

No definition available.

+ Details

Name:

dei_EntityAddressStateOrProvince

Namespace Prefix:

dei_

Data Type:

dei:stateOrProvinceItemType

Balance Type:

Period Type:

duration

- Definition

A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityCentralIndexKey

Namespace Prefix:

dei_

Data Type:

dei:centralIndexKeyItemType

Balance Type:

Period Type:

duration

- Definition

Indicate if registrant meets the emerging growth company criteria.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityEmergingGrowthCompany

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.

+ References

No definition available.

+ Details

Name:

dei_EntityFileNumber

Namespace Prefix:

dei_

Data Type:

dei:fileNumberItemType

Balance Type:

Period Type:

duration

- Definition

Two-character EDGAR code representing the state or country of incorporation.

+ References

No definition available.

+ Details

Name:

dei_EntityIncorporationStateCountryCode

Namespace Prefix:

dei_

Data Type:

dei:edgarStateCountryItemType

Balance Type:

Period Type:

duration

- Definition

The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityRegistrantName

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityTaxIdentificationNumber

Namespace Prefix:

dei_

Data Type:

dei:employerIdItemType

Balance Type:

Period Type:

duration

- Definition

Local phone number for entity.

+ References

No definition available.

+ Details

Name:

dei_LocalPhoneNumber

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 13e

-Subsection 4c

+ Details

Name:

dei_PreCommencementIssuerTenderOffer

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14d

-Subsection 2b

+ Details

Name:

dei_PreCommencementTenderOffer

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Title of a 12(b) registered security.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b

+ Details

Name:

dei_Security12bTitle

Namespace Prefix:

dei_

Data Type:

dei:securityTitleItemType

Balance Type:

Period Type:

duration

- Definition

Name of the Exchange on which a security is registered.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection d1-1

+ Details

Name:

dei_SecurityExchangeName

Namespace Prefix:

dei_

Data Type:

dei:edgarExchangeCodeItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14a

-Subsection 12

+ Details

Name:

dei_SolicitingMaterial

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Trading symbol of an instrument as listed on an exchange.

+ References

No definition available.

+ Details

Name:

dei_TradingSymbol

Namespace Prefix:

dei_

Data Type:

dei:tradingSymbolItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Securities Act

-Number 230

-Section 425

+ Details

Name:

dei_WrittenCommunications

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration