TMP TOMPKINS FINANCIAL CORP

Did the company actually spend money buying back stock in 3+ of the last 4 quarters?

Bought back stock in 3/4 quarters. Q1 2026: $0M, Q3 2024: $2M, Q3 2023: $1M, Q2 2023: $4M

Is the most recent quarter's buyback spend more than 15% above the trailing average?

Latest quarter $0M vs trailing avg $2M (-100%)

What percentage of free cash flow is going to buybacks? Bull: 30%+. Bear: negative FCF or no buybacks.

Buyback $7M / FCF $105M = 7% of FCF

How fast are they shrinking the float? Bull: 2%+ annually. Bear: under 0.5%.

Repurchased 479,929 shares = 3.3% of 14,382,941 outstanding (annualized)

Are officers and directors buying stock with their own money on the open market?

1 open-market purchase by Rahilly Ita M

• Rahilly Ita M () bought 1,463 shares at $68.36 on 2025-11-21

Are both company buybacks and insider buying independently active? Bull when the company is buying back stock in 2+ quarters and insiders have made 2+ open-market purchases.

Company buybacks in 3 quarters but insufficient insider buying

Over the last 90 days, are insiders net buyers or net sellers on the open market?

Insiders bought $0M, sold $0M in the last 90 days (net buying)

Active buyback + insiders net selling 3x+ more than buying. Company cash may be supporting price while insiders exit.

No buyback-insider divergence detected