Johanna B. Anderson - 09 Nov 2025 Form 4 Insider Report for TOMPKINS FINANCIAL CORP (TMP)

Role: EVP, President TCB CNY
Signature: /s/ Johanna B. Anderson
Issuer symbol: TMP
Transactions as of: 09 Nov 2025
Net transactions value: -$7,001
Form type: 4
Filing time: 12 Nov 2025, 09:04:20 UTC
Previous filing: 14 Nov 2024
Next filing: 14 Nov 2025
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
Anderson Johanna B	EVP, President TCB CNY	PO BOX 460, ITHACA	/s/ Johanna B. Anderson	10 Nov 2025	0001974256

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
transaction	TMP	Common Stock	Tax liability	$7,001	-105	-5.1%	$66.68	1,971	09 Nov 2025	Direct	F1
holding	TMP	Common Stock - 401k/esop						41	09 Nov 2025	by ESOP

Derivative Securities (e.g., puts, calls, warrants, options, convertible securities)

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Underlying Class	Amount	Exercise Price	Ownership	Footnotes
holding	TMP	Phantom Stock						1,389	09 Nov 2025	Common Stock	1,389		Direct	F2

* An asterisk sign (*) next to the price indicates that the price is likely invalid.

Explanation of Responses:

Id	Content
F1	Deemed disposition of shares to the Issuer to pay for taxes upon vesting of restricted stock.
F2	Each share of phantom stock is the economic equivalent of one share of common stock. Phantom stock represents deferred stock compensation under the Amended and Restated Retainer Plan for Eligible Directors of Tompkins Financial Corporation and its Wholly-Owned Subsidiaries. These shares are held in a rabbi trust pending distribution upon the occurrence of certain events specified in the Plan. The reporting person has no voting or investment power over the shares prior to such distribution.

Content

Deemed disposition of shares to the Issuer to pay for taxes upon vesting of restricted stock.

Each share of phantom stock is the economic equivalent of one share of common stock. Phantom stock represents deferred stock compensation under the Amended and Restated Retainer Plan for Eligible Directors of Tompkins Financial Corporation and its Wholly-Owned Subsidiaries. These shares are held in a rabbi trust pending distribution upon the occurrence of certain events specified in the Plan. The reporting person has no voting or investment power over the shares prior to such distribution.