Item 2.02 Results of Operations and Financial Condition

On January 31, 2020, Tompkins Financial Corporation, (the "Company") issued a press release announcing its earnings for the calendar quarter and full year ended December 31, 2019. A copy of the press release is attached to this Report on Form 8-K as Exhibit 99.1 and is incorporated herein by reference.

Item 8.01 Other Events

On January 31, 2020, the Company issued a press release announcing that its Board of Directors approved payment of a regular quarterly cash dividend of $0.52 per share, payable on February 18, 2020, to common shareholders of record on February 10, 2020. A copy of the press release is attached to this Report on Form 8-K as Exhibit 99.2 and is incorporated herein by reference.

On January 31, 2020, the Company also announced that its Board of Directors has authorized the repurchase of up to 400,000 shares of the Company's outstanding common stock. This program replaces the Company's existing 400,000 share repurchase program announced on July 20, 2018. A copy of the press release is attached to this Report on Form 8-K as Exhibit 99.3 and is incorporated herein by reference.

The shares may be repurchased from time to time in open market transactions at prevailing market prices, in privately negotiated transactions, or by other means in accordance with federal securities laws. The actual timing, number and value of shares repurchased under the program will be determined by management at its discretion and will depend on a number of factors, including the market price of the Company's stock and general market and economic conditions, and applicable legal requirements. The information contained in this report, including Exhibits 99.1, 99.2, and 99.3, shall not be deemed "filed" with the SEC nor incorporated by reference in any registration statement filed by the Company under the Securities Act of 1933, as amended.

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