What is Financial Instns Inc's earnings per share (EPS)?

Financial Instns Inc (FISI) reported diluted earnings per share of $3.61 for fiscal year 2025. This represents a 231.3% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Financial Instns Inc Financials

FISI

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Financial Instns Inc (FISI) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 53/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Financial Instns Inc's revenue grew 6.3% year-over-year to $333.0M, a solid pace of expansion. This earns a growth score of 44/100.

Leverage

Financial Instns Inc carries a low D/E ratio of 0.31, meaning only $0.31 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 96/100, indicating a strong balance sheet with room for future borrowing.

Cash Flow

Financial Instns Inc has a free cash flow margin of 4.0%, earning a moderate score of 35/100. The company generates positive cash flow after capital investments, but with room for improvement.

Returns

Financial Instns Inc's ROE of 11.9% shows moderate profitability relative to equity, earning a score of 38/100. This is up from -7.3% the prior year.

Piotroski F-Score Neutral

4/9

Financial Instns Inc passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Low Quality

0.25x

For every $1 of reported earnings, Financial Instns Inc generates $0.25 in operating cash flow ($18.8M OCF vs $74.9M net income). This low ratio suggests earnings are primarily driven by accounting accruals rather than cash generation, which may not be sustainable.

Key Financial Metrics

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Earnings & Revenue

Revenue

$333.0M

YoY+6.3%

5Y CAGR+15.6%

10Y CAGR+12.2%

Financial Instns Inc generated $333.0M in revenue in fiscal year 2025. This represents an increase of 6.3% from the prior year.

EBITDA

N/A

Net Income

$74.9M

YoY+279.8%

5Y CAGR+14.3%

10Y CAGR+10.2%

Financial Instns Inc reported $74.9M in net income in fiscal year 2025. This represents an increase of 279.8% from the prior year.

EPS (Diluted)

$3.61

YoY+231.3%

5Y CAGR+9.4%

10Y CAGR+6.6%

Financial Instns Inc earned $3.61 per diluted share (EPS) in fiscal year 2025. This represents an increase of 231.3% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$13.3M

YoY-81.6%

5Y CAGR-19.5%

10Y CAGR-9.4%

Financial Instns Inc generated $13.3M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 81.6% from the prior year.

Cash & Debt

$108.8M

YoY+24.5%

Financial Instns Inc held $108.8M in cash against $193.7M in long-term debt as of fiscal year 2025.

Dividends Per Share

$1.24

YoY+3.3%

5Y CAGR+3.6%

10Y CAGR+4.5%

Financial Instns Inc paid $1.24 per share in dividends in fiscal year 2025. This represents an increase of 3.3% from the prior year.

Shares Outstanding

N/A

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

22.5%

YoY+35.8pp

5Y CAGR-1.3pp

10Y CAGR-4.4pp

Financial Instns Inc's net profit margin was 22.5% in fiscal year 2025, showing the share of revenue converted to profit. This is up 35.8 percentage points from the prior year.

Return on Equity

11.9%

YoY+19.2pp

5Y CAGR+3.7pp

10Y CAGR+2.3pp

Financial Instns Inc's ROE was 11.9% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 19.2 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$11.4M

YoY+2580.5%

5Y CAGR+122.6%

10Y CAGR+49.7%

Financial Instns Inc spent $11.4M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 2580.5% from the prior year.

Capital Expenditures

$5.5M

YoY+11.5%

5Y CAGR+5.4%

10Y CAGR-3.0%

Financial Instns Inc invested $5.5M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 11.5% from the prior year.

FISI Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$333.0M+6.3%	$313.2M+9.5%	$286.1M+45.9%	$196.1M+17.3%	$167.2M+3.7%	$161.3M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$133.0M-11.1%	$149.6M+24.3%	$120.4M+319.1%	$28.7M+130.3%	$12.5M-44.1%	$22.3M
Income Tax	$16.5M+162.2%	-$26.5M-307.2%	$12.8M-11.2%	$14.4M-26.3%	$19.5M+164.2%	$7.4M
Net Income	$74.9M+279.8%	-$41.6M-182.9%	$50.3M-11.2%	$56.6M-27.2%	$77.7M+102.7%	$38.3M
EPS (Diluted)	$3.61+231.3%	$-2.75-187.3%	$3.15-11.5%	$3.56-25.5%	$4.78+107.8%	$2.30

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$84.6M+0.3%	$84.4M+1.9%	$82.9M+2.2%	$81.1M+3.8%	$78.1M+0.3%	$77.9M-1.1%	$78.8M+0.5%	$78.4M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$32.4M-0.6%	$32.6M-3.3%	$33.7M-1.3%	$34.2M-6.3%	$36.5M-2.0%	$37.2M-1.0%	$37.6M-1.9%	$38.3M
Income Tax	$4.0M-15.6%	$4.8M+20.1%	$4.0M+5.8%	$3.7M+111.5%	-$32.5M-3099.7%	$1.1M-76.0%	$4.5M+1168.8%	$356K
Net Income	$20.0M-2.4%	$20.5M+16.8%	$17.5M+3.9%	$16.9M+120.4%	-$82.8M-715.0%	$13.5M-47.5%	$25.6M+1138.1%	$2.1M
EPS (Diluted)	N/A	$0.99+16.5%	$0.85+4.9%	$0.81	N/A	$0.84-48.1%	$1.62+1372.7%	$0.11

FISI Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$6.3B+2.6%	$6.1B-0.7%	$6.2B+6.3%	$5.8B+5.0%	$5.5B+12.4%	$4.9B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$108.8M+24.5%	$87.3M-29.8%	$124.4M	N/A	N/A	N/A
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$58.1M0.0%	$58.1M-13.3%	$67.1M0.0%	$67.1M0.0%	$67.1M+1.5%	$66.1M
Total Liabilities	$5.6B+1.8%	$5.5B-2.8%	$5.7B+5.8%	$5.4B+7.5%	$5.0B+12.9%	$4.4B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$193.7M+55.1%	$124.8M+0.2%	$124.5M+67.8%	$74.2M+0.4%	$73.9M+0.4%	$73.6M
Total Equity	$628.9M+10.5%	$569.0M+25.1%	$454.8M+12.1%	$405.6M-19.7%	$505.1M+7.9%	$468.4M
Retained Earnings	$437.1M+12.5%	$388.7M-14.0%	$451.7M+7.2%	$421.3M+9.7%	$384.0M+18.2%	$324.9M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$6.3B-0.2%	$6.3B+2.3%	$6.1B-3.1%	$6.3B+3.7%	$6.1B-0.6%	$6.2B+0.4%	$6.1B-2.6%	$6.3B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$108.8M-41.5%	$185.9M+99.9%	$93.0M-44.4%	$167.4M+91.7%	$87.3M	N/A	N/A	N/A
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$58.1M0.0%	$58.1M0.0%	$58.1M0.0%	$58.1M0.0%	$58.1M0.0%	$58.1M0.0%	$58.1M-13.3%	$67.1M
Total Liabilities	$5.6B-0.4%	$5.7B+2.2%	$5.5B-3.6%	$5.8B+3.6%	$5.5B-1.9%	$5.7B-0.1%	$5.7B-3.2%	$5.9B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$193.7M+68.4%	$115.0M0.0%	$115.0M-8.0%	$124.9M+0.1%	$124.8M+0.1%	$124.8M+0.1%	$124.7M+0.1%	$124.6M
Total Equity	$628.9M+1.1%	$621.7M+3.3%	$601.7M+2.0%	$589.9M+3.7%	$569.0M+13.7%	$500.3M+7.0%	$467.7M+4.9%	$445.7M
Retained Earnings	$437.1M+3.2%	$423.8M+3.4%	$409.9M+2.7%	$399.0M+2.6%	$388.7M-18.7%	$477.9M+1.8%	$469.4M+4.6%	$448.8M

FISI Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$18.8M-75.6%	$77.1M+608.0%	$10.9M-91.8%	$133.6M+83.1%	$73.0M+67.9%	$43.5M
Capital Expenditures	$5.5M+11.5%	$5.0M+66.2%	$3.0M-64.2%	$8.4M-11.0%	$9.4M+120.5%	$4.3M
Free Cash Flow	$13.3M-81.6%	$72.2M+813.1%	$7.9M-93.7%	$125.2M+97.0%	$63.6M+62.2%	$39.2M
Investing Cash Flow	-$140.0M-1601.1%	-$8.2M+97.3%	-$310.1M+4.6%	-$325.2M+48.7%	-$633.4M-19.3%	-$531.1M
Financing Cash Flow	$142.7M+234.6%	-$106.0M-136.2%	$293.2M+20.7%	$242.9M-55.5%	$545.7M+16.5%	$468.5M
Dividends Paid	$24.7M+33.5%	$18.5M+1.3%	$18.3M+3.9%	$17.6M+3.5%	$17.0M+3.0%	$16.5M
Share Buybacks	$11.4M+2580.5%	$426K-25.4%	$571K-96.3%	$15.3M+66.1%	$9.2M+4318.7%	$209K

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$21.4M+411.0%	-$6.9M-20.2%	-$5.7M-157.2%	$10.0M-63.0%	$27.0M+1158.3%	$2.1M-94.0%	$35.7M+190.3%	$12.3M
Capital Expenditures	$2.1M+109.0%	$1.0M-36.4%	$1.6M+95.6%	$816K+102.5%	$403K-83.5%	$2.4M+157.2%	$951K-19.0%	$1.2M
Free Cash Flow	$19.3M+344.2%	-$7.9M-7.9%	-$7.3M-179.7%	$9.2M-65.5%	$26.6M+9000.7%	-$299K-100.9%	$34.7M+212.4%	$11.1M
Investing Cash Flow	-$62.3M-26.1%	-$49.4M-141.5%	$118.9M+180.7%	-$147.3M-9.1%	-$134.9M-269.1%	$79.8M+9.3%	$73.1M+379.2%	-$26.2M
Financing Cash Flow	-$36.3M-124.4%	$149.2M+179.6%	-$187.5M-186.3%	$217.3M+500.1%	-$54.3M-355.6%	$21.3M+110.7%	-$199.4M-257.7%	$126.5M
Dividends Paid	$5.1M-22.1%	$6.6M+0.2%	$6.6M+3.2%	$6.4M+80.0%	$3.5M-29.1%	$5.0M+0.3%	$5.0M+0.1%	$5.0M
Share Buybacks	$10.9M+31970.6%	$34K	$0-100.0%	$481K+11925.0%	$4K-84.6%	$26K+766.7%	$3K-99.2%	$393K

FISI Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	22.5%+35.8pp	-13.3%-30.9pp	17.6%-11.3pp	28.8%-17.6pp	46.5%+22.7pp	23.8%
Return on Equity	11.9%+19.2pp	-7.3%-18.4pp	11.1%-2.9pp	14.0%-1.4pp	15.4%+7.2pp	8.2%
Return on Assets	1.2%+1.9pp	-0.7%-1.5pp	0.8%-0.2pp	1.0%-0.4pp	1.4%+0.6pp	0.8%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.31+0.1	0.22-0.1	0.27+0.1	0.18+0.0	0.15-0.0	0.16
FCF Margin	4.0%-19.1pp	23.0%+20.3pp	2.8%-61.1pp	63.8%+25.8pp	38.0%+13.7pp	24.3%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	23.6%-0.7pp	24.3%+3.1pp	21.2%+0.3pp	20.8%+126.8pp	-106.0%-123.3pp	17.3%-15.2pp	32.5%+29.9pp	2.6%
Return on Equity	3.2%-0.1pp	3.3%+0.4pp	2.9%+0.1pp	2.9%+17.4pp	-14.5%-17.2pp	2.7%-2.8pp	5.5%+5.0pp	0.5%
Return on Assets	0.3%0.0pp	0.3%+0.0pp	0.3%+0.0pp	0.3%+1.6pp	-1.4%-1.6pp	0.2%-0.2pp	0.4%+0.4pp	0.0%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.31+0.1	0.180.0	0.19-0.0	0.210.0	0.22-0.0	0.25-0.0	0.27-0.0	0.28
FCF Margin	22.8%+32.1pp	-9.3%-0.5pp	-8.8%-20.2pp	11.3%-22.7pp	34.1%+34.5pp	-0.4%-44.5pp	44.1%+29.9pp	14.2%

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Frequently Asked Questions

What is Financial Instns Inc's annual revenue?

Financial Instns Inc (FISI) reported $333.0M in total revenue for fiscal year 2025. This represents a 6.3% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Financial Instns Inc's revenue growing?

Financial Instns Inc (FISI) revenue grew by 6.3% year-over-year, from $313.2M to $333.0M in fiscal year 2025.

Is Financial Instns Inc profitable?

Yes, Financial Instns Inc (FISI) reported a net income of $74.9M in fiscal year 2025, with a net profit margin of 22.5%.

How much debt does Financial Instns Inc have?

As of fiscal year 2025, Financial Instns Inc (FISI) had $108.8M in cash and equivalents against $193.7M in long-term debt.

What is Financial Instns Inc's net profit margin?

Financial Instns Inc (FISI) had a net profit margin of 22.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Financial Instns Inc pay dividends?

Yes, Financial Instns Inc (FISI) paid $1.24 per share in dividends during fiscal year 2025.

What is Financial Instns Inc's return on equity (ROE)?

Financial Instns Inc (FISI) has a return on equity of 11.9% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Financial Instns Inc's free cash flow?

Financial Instns Inc (FISI) generated $13.3M in free cash flow during fiscal year 2025. This represents a -81.6% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Financial Instns Inc's operating cash flow?

Financial Instns Inc (FISI) generated $18.8M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Financial Instns Inc's total assets?

Financial Instns Inc (FISI) had $6.3B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Financial Instns Inc's capital expenditures?

Financial Instns Inc (FISI) invested $5.5M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Financial Instns Inc buy back shares?

Yes, Financial Instns Inc (FISI) spent $11.4M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

What is Financial Instns Inc's debt-to-equity ratio?

Financial Instns Inc (FISI) had a debt-to-equity ratio of 0.31 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Financial Instns Inc's return on assets (ROA)?

Financial Instns Inc (FISI) had a return on assets of 1.2% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Financial Instns Inc's Piotroski F-Score?

Financial Instns Inc (FISI) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Financial Instns Inc's earnings high quality?

Financial Instns Inc (FISI) has an earnings quality ratio of 0.25x, considered low quality (accrual-driven). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Financial Instns Inc?

Financial Instns Inc (FISI) scores 53 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.