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Management s Discussion and Analysis of Financial Condition and Results of Operations of this Report and other cautionary statements set forth elsewhere in this Report. General Tompkins Financial Corporation ("Tompkins" or the "Company") is headquartered in Ithaca, New York and is registered as a Financial Holding Company with the Federal Reserve Board under the Bank Holding Company Act of 1956…
250.86% net margin is above average for a financial institution, suggesting strong underwriting or fee income alongside controlled credit costs.
Revenue declined 11.7% YoY. For a bank, this often signals contracting loan book or reduced fee income.
Traditional FCF and operating-margin metrics are not meaningful for financial institutions. Evaluate using net interest margin, credit quality, and capital ratios instead.
Profitability & Returns
Revenue (FY)
$64M
▼ -11.7% YoY
Net Income (TTM)
$167M
▲ +127.3% YoY
Net Margin
—
P/E
—
Balance Sheet
Total Assets
$8.70B
Equity
$947M
Total Debt
$0.00
Cash & Equiv.
$171M
5Y CAGR: +5.8%
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