FINANCIAL INSTITUTIONS INC FIISO
OTC · OOTC · stock · National Commercial Banks
3/9
Piotroski F — financial health
—
Altman Z″ — distress risk
33.0%
Dividend payout · safe
Financials (annual, from 10-K)
| FY | Revenue | Net income | Gross profit | Free cash flow | Equity |
|---|---|---|---|---|---|
| 2025 | — | $74.9M | — | $13.3M | $628.9M |
| 2024 | — | -$41.6M | — | $72.2M | $569.0M |
| 2023 | — | $50.3M | — | $7.9M | $454.8M |
| 2022 | — | $56.6M | — | $125.2M | $405.6M |
| 2021 | — | $77.7M | — | $63.6M | $505.1M |
| 2020 | — | $38.3M | — | $39.2M | $468.4M |
Recent insider activity (Form 4)
| Insider | Role | Date | Action | Shares | Price |
|---|---|---|---|---|---|
| HOLLIDAY SUSAN R | director | 2026-05-20 | Grant | 1,282 | — |
| DORN ANDREW W JR | director | 2026-05-20 | Grant | 1,282 | — |
| VanGelder Kim E | director | 2026-05-20 | Grant | 1,282 | — |
| HARTING BRUCE W | director | 2026-05-20 | Grant | 1,282 | — |
| Zupan Mark | director | 2026-05-20 | Grant | 1,282 | — |
| Burlew Dawn H | director | 2026-05-20 | Grant | 1,282 | — |
| Burlew Dawn H | director | 2026-05-20 | Grant | 313 | $35.10 |
| PANZARELLA ANGELA J | director | 2026-05-20 | Grant | 1,282 | — |
Why these scores methodology →
Piotroski F-score: 3/9
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″: n/a
Not applicable (financials/insurer or missing inputs).
Source: SEC EDGAR filings · CIK 0000862831 · as of 2025-12-31. Figures are facts from filings plus Stocktoria's own computed scores — not investment advice.