Tompkins Financial Corporation (TMP) — Cash Flow Quality Index
Tompkins Financial Corporation (TMP) has a Cash Flow Quality Index of 1.47x as of September 2025. Operating cash flow of $34.90 Million exceeds net income of $23.67 Million, indicating high earnings quality where cash backs reported profits. Explore TMP operating cash flow to total debt to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Tompkins Financial Corporation Cash Flow Quality Index (1990–2024)
Historical Cash Flow Quality Index for Tompkins Financial Corporation across 35 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see cash efficiency ratio of Tompkins Financial Corporation.
Annual Cash Flow Quality Index for Tompkins Financial Corporation (1990–2024)
Year-by-year earnings quality comparison for Tompkins Financial Corporation.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2024 | 1.34x | $94.97 Million | $70.85 Million | ▼ -85.7% |
| 2023 | 9.36x | $89.00 Million | $9.51 Million | ▲ +670.5% |
| 2022 | 1.22x | $103.34 Million | $85.03 Million | ▼ -10.5% |
| 2021 | 1.36x | $121.18 Million | $89.26 Million | ▲ +3.9% |
| 2020 | 1.31x | $101.39 Million | $77.59 Million | ▲ +5.1% |
| 2019 | 1.24x | $101.61 Million | $81.72 Million | ▼ -4.6% |
| 2018 | 1.30x | $107.27 Million | $82.31 Million | ▼ -20.5% |
| 2017 | 1.64x | $86.06 Million | $52.49 Million | ▲ +7.1% |
| 2016 | 1.53x | $90.86 Million | $59.34 Million | ▲ +8.5% |
| 2015 | 1.41x | $82.44 Million | $58.42 Million | ▼ -5.1% |
| 2014 | 1.49x | $77.36 Million | $52.04 Million | ▼ -9.7% |
| 2013 | 1.65x | $83.71 Million | $50.86 Million | ▼ -16.6% |
| 2012 | 1.97x | $61.78 Million | $31.29 Million | ▼ -2.9% |
| 2011 | 2.03x | $71.99 Million | $35.42 Million | ▲ +6.0% |
| 2010 | 1.92x | $64.85 Million | $33.83 Million | ▲ +155.7% |
| 2009 | 0.75x | $23.86 Million | $31.83 Million | ▼ -63.6% |
| 2008 | 2.06x | $61.53 Million | $29.83 Million | ▲ +44.8% |
| 2007 | 1.42x | $37.57 Million | $26.37 Million | ▲ +5.3% |
| 2006 | 1.35x | $37.55 Million | $27.77 Million | ▼ -1.9% |
| 2005 | 1.38x | $38.19 Million | $27.68 Million | ▼ -1.5% |
| 2004 | 1.40x | $35.87 Million | $25.61 Million | ▼ -1.6% |
| 2003 | 1.42x | $34.44 Million | $24.20 Million | ▲ +44.9% |
| 2002 | 0.98x | $22.49 Million | $22.91 Million | ▼ -0.7% |
| 2001 | 0.99x | $19.41 Million | $19.63 Million | ▼ -39.0% |
| 2000 | 1.62x | $28.37 Million | $17.51 Million | ▲ +59.9% |
| 1999 | 1.01x | $15.40 Million | $15.20 Million | ▼ -29.4% |
| 1998 | 1.43x | $20.80 Million | $14.50 Million | ▲ +11.6% |
| 1997 | 1.28x | $16.69 Million | $12.99 Million | ▲ +2.8% |
| 1996 | 1.25x | $11.50 Million | $9.20 Million | ▼ -2.9% |
| 1995 | 1.29x | $11.20 Million | $8.70 Million | ▲ +19.9% |
| 1994 | 1.07x | $8.70 Million | $8.10 Million | ▼ -13.9% |
| 1993 | 1.25x | $10.10 Million | $8.10 Million | ▲ +19.7% |
| 1992 | 1.04x | $7.50 Million | $7.20 Million | ▼ -8.2% |
| 1991 | 1.13x | $5.90 Million | $5.20 Million | ▲ +11.1% |
| 1990 | 1.02x | $4.80 Million | $4.70 Million | — |