Tompkins Financial Corporation (TMP) — Defensive Interval Ratio
Tompkins Financial Corporation (TMP) has a Defensive Interval Ratio of 44 days as of September 2025. Defensive assets of $866.49 Million (cash $-, short-term investments $855.61 Million, receivables $10.88 Million) cover 44 days of daily cash needs of $19.54 Million/day.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Tompkins Financial Corporation Defensive Interval Ratio (1996–2024)
This chart shows how Tompkins Financial Corporation's Defensive Interval Ratio has evolved across 29 annual periods from 1996 to 2024. As of September 2025, the ratio stands at 44 days, meaning defensive assets of $866.49 Million can fund 44 days of operations without new revenue. For the complete balance sheet picture, see Tompkins Financial Corporation balance sheet assets.
Annual Defensive Interval Ratio for Tompkins Financial Corporation (1996–2024)
The table below presents the year-by-year Defensive Interval Ratio for Tompkins Financial Corporation from 1996 to 2024, covering 29 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. See Tompkins Financial Corporation current assets vs equity to evaluate short-term liquidity relative to the company's equity base.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2024 | 67 days | $1.24 Billion | $18.51 Million/day | $- | $1.23 Billion | ▼ -8 days |
| 2023 | 75 days | $1.43 Billion | $18.98 Million/day | $- | $1.42 Billion | ▼ -10 days |
| 2022 | 85 days | $1.61 Billion | $18.90 Million/day | $- | $1.59 Billion | ▼ -56238 days |
| 2021 | 56323 days | $2.16 Billion | $38.36K/day | $- | $2.04 Billion | ▲ +56010 days |
| 2020 | 313 days | $1.74 Billion | $5.55 Million/day | $- | $1.63 Billion | ▼ -1823 days |
| 2019 | 2136 days | $1.40 Billion | $655.07K/day | $- | $1.30 Billion | ▲ +2052 days |
| 2018 | 84 days | $1.41 Billion | $16.76 Million/day | $- | $1.33 Billion | ▼ -23 days |
| 2017 | 108 days | $1.47 Billion | $13.66 Million/day | $- | $1.39 Billion | ▼ -8 days |
| 2016 | 116 days | $1.51 Billion | $13.06 Million/day | $- | $1.43 Billion | ▼ -1 days |
| 2015 | 116 days | $1.47 Billion | $12.61 Million/day | $- | $1.39 Billion | ▼ -7 days |
| 2014 | 124 days | $1.49 Billion | $12.02 Million/day | $- | $1.40 Billion | ▼ -4 days |
| 2013 | 128 days | $1.46 Billion | $11.45 Million/day | $- | $1.35 Billion | ▲ +2 days |
| 2012 | 126 days | $1.49 Billion | $11.87 Million/day | $- | $1.39 Billion | ▼ -25 days |
| 2011 | 151 days | $1.20 Billion | $7.92 Million/day | $- | $1.14 Billion | ▲ +4 days |
| 2010 | 147 days | $1.10 Billion | $7.45 Million/day | $- | $1.04 Billion | ▲ +12 days |
| 2009 | 135 days | $991.69 Million | $7.33 Million/day | $- | $928.77 Million | ▲ +25 days |
| 2008 | 111 days | $795.87 Million | $7.19 Million/day | $- | $764.19 Million | ▲ +98 days |
| 2007 | 12 days | $37.34 Million | $3.02 Million/day | $- | $3.15 Million | ▼ -2 days |
| 2006 | 15 days | $42.08 Million | $2.85 Million/day | $- | $3.92 Million | ▼ -2 days |
| 2005 | 17 days | $49.31 Million | $2.87 Million/day | $- | $3.36 Million | ▲ +5 days |
| 2004 | 13 days | $38.34 Million | $3.03 Million/day | $- | $1.02 Million | ▲ +3 days |
| 2003 | 10 days | $42.61 Million | $4.43 Million/day | $- | $9.22 Million | ▲ +0 days |
| 2002 | 10 days | $37.56 Million | $3.94 Million/day | $- | $10.40 Million | ▲ +2 days |
| 2001 | 7 days | $24.84 Million | $3.33 Million/day | $- | $171.00K | ▼ -6 days |
| 2000 | 13 days | $40.50 Million | $3.08 Million/day | $- | $19.43 Million | ▲ +6 days |
| 1999 | 8 days | $21.88 Million | $2.88 Million/day | $- | $- | ▼ -1 days |
| 1998 | 8 days | $12.96 Million | $1.55 Million/day | $- | $-1.02 Million | ▲ +2 days |
| 1997 | 6 days | $9.20 Million | $1.49 Million/day | $- | $- | ▲ +1 days |
| 1996 | 5 days | $7.80 Million | $1.43 Million/day | $- | $- | — |