Tompkins Financial Corporation
S&P 600
Cash Flow
Cash Flow Breakdown
Figures in US$OperatingInvestingFinancing
How to read this: the three bars show where cash moved each year. Operating is cash from the core business (you generally want this positive and growing). Investing is usually negative — money spent on assets or acquisitions. Financing shows money raised from, or returned to, lenders and shareholders. Bars above the line are cash in; bars below are cash out.
Operating Cash Flow vs Capex
Figures in US$Operating Cash FlowCapital Expenditure
How to read this: operating cash flow is the cash the business generated; capital expenditure is what it spent on long-term assets like plant and equipment. The gap between them is roughly free cash flow — the cash left over. A wide gap (operating well above capex) means the business funds its investment comfortably from its own earnings.
| Period | Operating Cash Flow | Investing Cash Flow | Financing Cash Flow | Capital Expenditure |
|---|---|---|---|---|
| FY2014 | $77.60M | $-310.76M | $206.58M | $9.04M |
| FY2015 | $82.80M | $-452.92M | $372.31M | $6.34M |
| FY2016 | $90.86M | $-573.49M | $488.33M | $16.27M |
| FY2017 | $86.07M | $-426.95M | $361.24M | $35.29M |
| FY2018 | $107.27M | $-143.60M | $32.42M | $18.08M |
| FY2019 | $101.62M | $133.99M | $-178.01M | $6.01M |
| FY2020 | $101.39M | $-643.72M | $792.81M | $4.55M |
| FY2021 | $121.18M | $-583.29M | $136.76M | $4.74M |
| FY2022 | $103.34M | $-8.44M | $-80.17M | $8.17M |
| FY2023 | $89.00M | $-146.30M | $59.00M | $6.76M |
| FY2024 | $94.97M | $-250.44M | $210.33M | $6.21M |
| FY2025 | $38.87M | $-300.73M | $260.28M | $6.92M |
Figures in USD. Educational data only.
Understanding these terms
Plain-English explanations of each figure in the table above, and what a beginner typically looks at. These are educational descriptions only, not advice.
- Operating Cash Flow
- Cash produced by the company's core operations during the period. The US equivalent of "Cash from Operating Activity".How a beginner reads it: A beginner uses this as a reality check on profit, since it reflects cash actually collected. Healthy, consistent operating cash flow underpins a company's ability to invest and repay debt.
- Investing Cash Flow
- Cash used for or generated by buying and selling long-term assets and investments. The US equivalent of "Cash from Investing Activity".How a beginner reads it: A beginner expects this to be negative for companies investing in growth. Reading it next to operating cash flow shows whether the business funds its investments from its own earnings.
- Financing Cash Flow
- Cash flows with lenders and shareholders — borrowing, repaying, issuing shares, buybacks, and dividends. The US equivalent of "Cash from Financing Activity".How a beginner reads it: A beginner reads this to understand whether the company is taking in money (borrowing/issuing) or paying it out (repaying/dividends), and how that fits the operating picture.
- Capital Expenditure
- Money spent on buying or upgrading long-lived assets like plant, equipment, and buildings. Often shortened to "capex".How a beginner reads it: A beginner reads capex against operating cash flow to see whether a company funds its investment from its own earnings. Operating cash flow minus capex is roughly free cash flow.