13F-HR: Tompkins Financial Corp Discloses Q4 2025 Holdings

Tompkins Financial Corp reported its institutional investment holdings for Q4 2025, totaling over $1.28 billion across 827 unique positions.

Summary

• Tompkins Financial Corp filed its Form 13F-HR for the quarter ended December 31, 2025.
• The total market value of its disclosed holdings was $1,285,970,783.
• The report listed 827 distinct security holdings.
• Key holdings include significant positions in various ETFs such as ISHARES TR RUS TOP 200 ETF ($97.45 million), VANGUARD SCOTTSDALE FDS VNG RUS3000IDX ($83.87 million), VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT ($42.64 million), VANGUARD INDEX FDS S&P 500 ETF SHS ($32.53 million), and INVESCO EXCH TRADED FD TR II S&P 500 MOMNTM ($29.63 million).
• Notable individual stock holdings include MICROSOFT CORP COM ($55.64 million), APPLE INC COM ($50.41 million), NVIDIA CORPORATION COM ($49.85 million), ELI LILLY & CO COM ($31.30 million), WALMART INC COM ($27.75 million), ALPHABET INC CAP STK CL A ($22.94 million), and JPMORGAN CHASE & CO. COM ($21.84 million).
• The firm also holds a substantial position in its own common stock, TOMPKINS FINL CORP COM, valued at $82.39 million.

Sentiment

Score: 7

Explanation: The sentiment is moderately positive due to the broad diversification and significant holdings in established, high-performing companies and diversified ETFs, indicating a robust and well-managed portfolio. The self-holding is a neutral factor without further context.

Positives

• The portfolio demonstrates broad diversification across numerous sectors and asset classes, including large-cap equities, small-cap equities, international equities, and various bond and specialized ETFs.
• Significant allocations to major technology companies (Microsoft, Apple, Nvidia, Alphabet) and pharmaceutical giants (Eli Lilly) suggest confidence in growth-oriented sectors.
• Substantial holdings in broad market and sector-specific ETFs (e.g., S&P 500, Russell 2000, Technology, ESG Optimized) indicate a strategy of gaining diversified exposure and potentially managing risk through pooled investments.

Negatives

• The filing itself does not provide performance data or strategic rationale, making it difficult to assess the effectiveness of the investment decisions.
• A significant holding in the firm's own common stock (Tompkins Financial Corp) could represent a concentration risk, although the rationale for this internal investment is not disclosed in the filing.

Risks

• No specific risks of the reporting manager are mentioned in this holdings report, as it primarily details investment positions.

Future Outlook

NA

Industry Context

This filing provides a snapshot of Tompkins Financial Corp's equity investment strategy, reflecting a diversified approach common among institutional managers, with significant allocations to both individual large-cap companies and a wide array of exchange-traded funds to capture broad market and sector-specific trends.

Comparison to Industry Standards

• The portfolio's diversification across numerous large-cap technology, healthcare, and consumer staples companies, alongside a broad range of ETFs, aligns with typical strategies employed by diversified institutional asset managers aiming for broad market exposure and risk management.
• The inclusion of major ETFs like ISHARES TR RUS TOP 200 ETF and VANGUARD SCOTTSDALE FDS VNG RUS3000IDX suggests a strategy to track or outperform major market indices, similar to large pension funds or mutual funds.
• The substantial holding in Tompkins Financial Corp's own common stock is a less common practice for external institutional managers but can be observed in financial institutions managing internal funds or employee benefit plans.

Related Party Transactions

• Tompkins Financial Corp holds 82,386,998 shares of its own common stock (TOMPKINS FINL CORP COM), valued at $82,386,998.

Stakeholder Impact

• Shareholders of Tompkins Financial Corp gain transparency into the firm's investment management activities and the composition of its managed equity portfolio.
• The diversified nature of the holdings suggests a strategy aimed at long-term capital appreciation and risk mitigation, which could benefit the firm's clients and indirectly its own shareholders.

Key Dates

Keywords

Institutional Holdings, 13F Filing, Equity Portfolio, Investment Management, Asset Management, ETFs, Common Stock, Diversified Portfolio, Tompkins Financial Corp