Helen Eaton - 05 Jan 2026 Form 4 Insider Report for TOMPKINS FINANCIAL CORP (TMP)

Role: Director
Signature: /s/ Helen Eaton
Issuer symbol: TMP
Transactions as of: 05 Jan 2026
Net transactions value: +$12,750
Form type: 4
Filing time: 06 Jan 2026, 08:44:54 UTC
Previous filing: 07 Oct 2025
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
Eaton Helen	Director	118 E SENECA ST, PO BOX 460, ITHACA	/s/ Helen Eaton	05 Jan 2026	0002068035

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
transaction	TMP	Phantom Stock	Award	$12,750	+177	+6.9%	$72.20	2,733	05 Jan 2026	Common Stock	177	$0.000000	Direct	F1

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

Explanation of Responses:

Id	Content
F1	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

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.