Tompkins Financial Corporation (TMP) — Working Capital to Net Assets Ratio
Tompkins Financial Corporation (TMP) has a Working Capital to Net Assets ratio of -770.0% as of September 2025. Working capital of $-6.07 Billion (current assets of $1.06 Billion minus current liabilities of $7.13 Billion) is measured against net assets of $788.80 Million. A higher ratio indicates strong short-term liquidity financed by the equity base. See net asset quality index of Tompkins Financial Corporation to measure how much of total assets are equity-financed.
WC/NA Ratio
Working Capital
Current Assets
Current Liabilities
Tompkins Financial Corporation Working Capital to Net Assets (1991–2024)
This chart shows how Tompkins Financial Corporation's Working Capital to Net Assets ratio has evolved across 30 annual periods from 1991 to 2024. As of September 2025, the ratio stands at -770.0%, reflecting working capital of $-6.07 Billion against net assets of $788.80 Million USD. Check Tompkins Financial Corporation tangible equity quality to evaluate the tangible quality of the company's equity base.
Annual Working Capital to Net Assets for Tompkins Financial Corporation (1991–2024)
The table below presents the year-by-year Working Capital to Net Assets ratio for Tompkins Financial Corporation from 1991 to 2024, covering 30 annual filings. Each row shows current assets, current liabilities, working capital, net assets, the ratio, and the change in percentage points compared to the prior year. For live market cap and the full company profile, see Tompkins Financial Corporation stock valuation.
| Year | WC/NA Ratio | Working Capital (USD) | Net Assets | Current Assets | Current Liabilities | Change (pp) |
|---|---|---|---|---|---|---|
| 2024 | -766.8% | $-5.47 Billion | $713.44 Million | $1.29 Billion | $6.76 Billion | ▲ +41.7 pp |
| 2023 | -808.5% | $-5.42 Billion | $669.93 Million | $1.51 Billion | $6.93 Billion | ▲ +35.5 pp |
| 2022 | -844.0% | $-5.21 Billion | $617.39 Million | $1.69 Billion | $6.90 Billion | ▼ -1147.1 pp |
| 2021 | 303.1% | $2.21 Billion | $728.94 Million | $2.22 Billion | $14.00 Million | ▲ +301.7 pp |
| 2020 | 1.4% | $99.97 Million | $7.34 Billion | $2.13 Billion | $2.03 Billion | ▼ -194.4 pp |
| 2019 | 195.8% | $1.30 Billion | $663.05 Million | $1.54 Billion | $239.10 Million | ▲ +1168.6 pp |
| 2018 | -972.8% | $-6.04 Billion | $620.87 Million | $78.52 Million | $6.12 Billion | ▼ -121.1 pp |
| 2017 | -851.7% | $-4.91 Billion | $576.20 Million | $77.69 Million | $4.99 Billion | ▲ +4.6 pp |
| 2016 | -856.2% | $-4.70 Billion | $549.40 Million | $62.07 Million | $4.77 Billion | ▲ +23.8 pp |
| 2015 | -880.0% | $-4.54 Billion | $516.47 Million | $56.26 Million | $4.60 Billion | ▲ +5.2 pp |
| 2014 | -885.2% | $-4.33 Billion | $489.58 Million | $53.92 Million | $4.39 Billion | ▲ +9.2 pp |
| 2013 | -894.4% | $-4.10 Billion | $457.94 Million | $82.16 Million | $4.18 Billion | ▲ +60.9 pp |
| 2012 | -955.3% | $-4.22 Billion | $441.36 Million | $117.45 Million | $4.33 Billion | ▼ -4.5 pp |
| 2011 | -950.8% | $-2.84 Billion | $299.14 Million | $47.30 Million | $2.89 Billion | ▲ +26.4 pp |
| 2010 | -977.2% | $-2.67 Billion | $273.41 Million | $47.34 Million | $2.72 Billion | ▼ -307.7 pp |
| 2009 | -669.5% | $-1.64 Billion | $245.01 Million | $1.04 Billion | $2.68 Billion | ▲ +142.7 pp |
| 2008 | -812.2% | $-1.78 Billion | $219.36 Million | $844.00 Million | $2.63 Billion | ▼ -1408.6 pp |
| 2007 | 596.4% | $1.18 Billion | $198.65 Million | $2.29 Billion | $1.10 Billion | ▲ +19.6 pp |
| 2006 | 576.8% | $1.10 Billion | $191.07 Million | $2.14 Billion | $1.04 Billion | ▲ +25.5 pp |
| 2005 | 551.3% | $1.01 Billion | $182.67 Million | $2.06 Billion | $1.05 Billion | ▲ +77.5 pp |
| 2004 | 473.8% | $817.18 Million | $172.47 Million | $1.92 Billion | $1.10 Billion | ▲ +347.5 pp |
| 2003 | 126.3% | $202.72 Million | $160.46 Million | $1.82 Billion | $1.62 Billion | ▲ +0.6 pp |
| 2002 | 125.8% | $191.29 Million | $152.09 Million | $1.63 Billion | $1.44 Billion | ▼ -0.6 pp |
| 2001 | 126.4% | $167.59 Million | $132.56 Million | $1.38 Billion | $1.21 Billion | ▼ -1.1 pp |
| 2000 | 127.5% | $148.57 Million | $116.48 Million | $1.27 Billion | $1.12 Billion | ▲ +19.4 pp |
| 1999 | 108.1% | $111.16 Million | $102.82 Million | $1.16 Billion | $1.05 Billion | ▲ +636.5 pp |
| 1998 | -528.4% | $-523.22 Million | $99.03 Million | $40.78 Million | $564.00 Million | ▲ +365.7 pp |
| 1997 | -894.0% | $-508.70 Million | $56.90 Million | $34.30 Million | $543.00 Million | ▲ +38.7 pp |
| 1996 | -932.7% | $-490.60 Million | $52.60 Million | $33.10 Million | $523.70 Million | ▼ -849.0 pp |
| 1991 | -83.7% | $-28.80 Million | $34.40 Million | $28.00 Million | $56.80 Million | — |