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FINANCIAL INSTITUTIONS INC FISI
Nasdaq · stock · National Commercial Banks · website · IPO 1999-06-25
FINANCIAL INSTITUTIONS INC financials (annual)
Bars are annual figures from 2016 to 2025; red bars are negative (a loss or cash outflow).
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Interest expense | — | — | $120.4M | $28.7M | $12.5M | $22.3M | $38.9M | $29.9M | $17.5M | $12.5M |
| Income tax | $16.5M | -$26.5M | $12.8M | $14.4M | $19.5M | $7.4M | $10.6M | $10.0M | $9.9M | $12.2M |
| Net income | $74.9M | -$41.6M | $50.3M | $56.6M | $77.7M | $38.3M | $48.9M | $39.5M | $33.5M | $31.9M |
| EPS (diluted) | $3.61 | $-2.75 | $3.15 | $3.56 | $4.78 | $2.30 | $2.96 | $2.39 | $2.13 | $2.10 |
| Operating cash flow | $18.8M | $77.1M | $10.9M | $133.6M | $73.0M | $43.5M | $57.7M | $65.1M | $46.3M | $46.7M |
| Free cash flow | $13.3M | $72.2M | $7.9M | $125.2M | $63.6M | $39.2M | $54.1M | $62.3M | $38.5M | $39.1M |
| Cash & equivalents | $108.8M | $87.3M | $124.4M | — | — | — | — | — | — | — |
| Total assets | $6.3B | $6.1B | $6.2B | $5.8B | $5.5B | $4.9B | $4.4B | $4.3B | $4.1B | $3.7B |
| Total liabilities | $5.6B | $5.5B | $5.7B | $5.4B | $5.0B | $4.4B | $3.9B | $3.9B | $3.7B | $3.4B |
| Shareholders' equity | $628.9M | $569.0M | $454.8M | $405.6M | $505.1M | $468.4M | $438.9M | $396.3M | $381.2M | $320.1M |
Growth · year-over-year
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net income growth | — | -182.9% | -11.2% | -27.2% | +102.7% | -21.6% | +23.6% | +17.9% | +5.0% | +12.7% |
| EPS growth | — | -187.3% | -11.5% | -25.5% | +107.8% | -22.3% | +23.8% | +12.2% | +1.4% | +10.5% |
| Free cash flow growth | -81.6% | +813.1% | -93.7% | +97.0% | +62.2% | -27.5% | -13.2% | +61.6% | -1.4% | +9.8% |
Each column is the change versus the prior fiscal year. Growth off a negative or zero base is shown as “—”. CAGR is the compound annual revenue growth across the years shown.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.