FISI · Financial Institutions Inc - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | $1.80M | - | - | - | $1.91M | - | - | - | $2.03M | - |
| Operating Income | $24.83M | - | $25.24M | $21.50M | $20.62M | - | $14.55M | $30.15M | $2.43M | - |
| Interest Expense | - | - | - | - | - | - | - | $37.59M | $38.33M | - |
| Income Tax | $3.85M | - | $4.76M | $3.96M | $3.75M | - | $1.08M | $4.52M | $356.0K | - |
| Net Income | $20.98M | - | $20.48M | $17.53M | $16.88M | - | $13.47M | $25.63M | $2.07M | - |
| EPS - Basic | $1.05 | - | $1.00 | $0.85 | $0.82 | - | $0.85 | $1.64 | $0.11 | - |
| EPS - Diluted | $1.04 | - | $0.99 | $0.85 | $0.81 | - | $0.84 | $1.62 | $0.11 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $85.45M | $108.75M | $185.94M | $93.03M | $167.35M | $87.32M | - | - | - | $124.44M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $6.29B | $6.27B | $6.29B | $6.14B | $6.34B | $6.12B | $6.16B | $6.13B | $6.30B | $6.16B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | $78.62M | $193.65M | $115.00M | $114.96M | $124.92M | $124.84M | $124.77M | $124.69M | $124.61M | $124.53M |
| Total Liabilities | $5.66B | $5.65B | $5.67B | $5.54B | $5.75B | $5.55B | $5.66B | $5.66B | $5.85B | $5.71B |
| Stockholders' Equity | $631.67M | $628.85M | $621.72M | $601.67M | $589.93M | $568.98M | $500.34M | $467.67M | $445.73M | $454.80M |
| Retained Earnings | $451.48M | $437.14M | $423.76M | $409.89M | $398.96M | $388.67M | $477.86M | $469.40M | $448.77M | $451.69M |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $23.69M | - | - | - | $10.01M | - | - | - | $12.29M | - |
| Investing Cash Flow | ($55.79M) | - | - | - | ($147.29M) | - | - | - | ($26.16M) | - |
| Financing Cash Flow | $8.80M | - | - | - | $217.31M | - | - | - | $126.47M | - |
| CapEx | $650.0K | - | - | - | $816.0K | - | - | - | $1.17M | - |
| Free Cash Flow | $23.04M | - | - | - | $9.19M | - | - | - | $11.12M | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - | - | - | - | - |
| FCF / Net income | 1.10 | - | - | - | 0.54 | - | - | - | 5.37 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 15.5% | - | 18.9% | 18.4% | 18.2% | - | 7.4% | 15.0% | 14.7% | - |
| Return on assets | 0.3% | - | 0.3% | 0.3% | 0.3% | - | 0.2% | 0.4% | 0.0% | - |
| Return on equity | 3.3% | - | 3.3% | 2.9% | 2.9% | - | 2.7% | 5.5% | 0.5% | - |
| Return on invested capital | 3.0% | - | 2.8% | 2.4% | 2.4% | - | 2.2% | 4.3% | 0.4% | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | 0.12 | 0.31 | 0.18 | 0.19 | 0.21 | 0.22 | 0.25 | 0.27 | 0.28 | 0.27 |
| Debt / Assets | 0.01 | 0.03 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 |
| Debt / EBITDA | 2.95 | - | - | - | 5.54 | - | - | - | 27.98 | - |
| Interest coverage | - | - | - | - | - | - | - | 0.8x | 0.1x | - |
| Equity multiplier | 9.97 | 9.98 | 10.11 | 10.21 | 10.75 | 10.75 | 12.30 | 13.11 | 14.13 | 13.55 |
| Liabilities / Assets | 0.90 | 0.90 | 0.90 | 0.90 | 0.91 | 0.91 | 0.92 | 0.92 | 0.93 | 0.93 |
| Efficiency | ||||||||||
| Asset turnover | - | - | - | - | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 30.5x | - | 27.5x | 30.2x | 30.8x | - | 30.3x | 11.9x | 171.1x | - |
| P / B | 1.0x | - | 0.9x | 0.9x | 0.9x | - | 0.8x | 0.6x | 0.7x | - |
| P / S | - | - | - | - | - | - | - | - | - | - |
| EV / EBITDA | 23.5x | - | - | - | 20.6x | - | - | - | 93.7x | - |
| Growth | ||||||||||
| Revenue growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 20.4% | - | 73.5% | -28.7% | 750.1% | - | -11.6% | 79.5% | -83.7% | - |
| Net income growth (YoY) | 24.3% | - | 52.1% | -31.6% | 715.4% | - | -4.0% | 78.3% | -82.9% | - |
| EPS growth (YoY) | 28.4% | - | 17.9% | -47.5% | 636.4% | - | -4.5% | 78.0% | -85.5% | - |
| EPS CAGR (3y) | 11.0% | - | 4.0% | -5.0% | -4.5% | - | -7.2% | 9.0% | -55.8% | - |
| EPS CAGR (5y) | -3.9% | - | 6.0% | 4.9% | 74.5% | - | 1.5% | 18.6% | -30.9% | - |
| FCF growth (YoY) | 150.7% | - | - | - | -17.3% | - | - | - | 94.5% | - |
| FCF CAGR (5y) | 2.9% | - | - | - | 24.1% | - | - | - | -5.5% | - |
| Book value growth (YoY) | 7.1% | 10.5% | 24.3% | 28.7% | 32.3% | 25.1% | 22.4% | 9.8% | 5.4% | 12.1% |
Peer comparison
Same SIC group: National Commercial Banks
Comparing FINANCIAL INSTITUTIONS INC against the 5 most active filers in the same SIC group.
Dividends
$1.25/share trailing 12 months · +3.3% YoY
| Ex-date | Per share |
|---|---|
| Mar 13, 2026 | $0.3200 |
| Dec 15, 2025 | $0.3100 |
| Sep 15, 2025 | $0.3100 |
| Jun 13, 2025 | $0.3100 |
| Mar 14, 2025 | $0.3100 |
| Dec 13, 2024 | $0.3000 |
| Sep 13, 2024 | $0.3000 |
| Jun 14, 2024 | $0.3000 |
| Mar 14, 2024 | $0.3000 |
| Dec 13, 2023 | $0.3000 |
| Sep 13, 2023 | $0.3000 |
| Jun 14, 2023 | $0.3000 |
| Mar 15, 2023 | $0.3000 |
| Dec 15, 2022 | $0.2900 |
| Sep 15, 2022 | $0.2900 |
| Jun 16, 2022 | $0.2900 |
| Mar 17, 2022 | $0.2900 |
| Dec 16, 2021 | $0.2700 |
| Sep 16, 2021 | $0.2700 |
| Jun 17, 2021 | $0.2700 |
| Mar 18, 2021 | $0.2700 |
| Dec 18, 2020 | $0.2600 |
| Sep 10, 2020 | $0.2600 |
| Jun 11, 2020 | $0.2600 |