Financial Instns Inc Financials
Financial Instns Inc (FISI) reported $333.0M in revenue for fiscal year 2025, up 6.3% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).
A thin equity layer supporting a large balance sheet makes funding-cost swings drive results more than asset growth.
In the latest year, reported profit recovered to$74.9M , but operating cash flow was only$18.8M , so earnings and cash were not moving together. Because the prior year still produced$77.1M of operating cash flow despite a loss, cash conversion clearly lagged the rebound, meaning the income statement improved faster than balance-sheet cash movements did.
This model runs with a thin equity base: liabilities of
The bigger structural change over the period is funding-cost pressure, with interest expense climbing from
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Financial Instns Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Not available for Financial Instns Inc, and counted as zero in the overall score.
Not available for Financial Instns Inc, and counted as zero in the overall score.
Financial Instns Inc passes 4 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.
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
Earnings & Revenue
Financial Instns Inc generated $333.0M in revenue in fiscal year 2025. This represents an increase of 6.3% from the prior year.
Financial Instns Inc reported $74.9M in net income in fiscal year 2025. This represents an increase of 279.8% from the prior year.
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.
Not reported for fiscal year 2025.
Cash & Balance Sheet
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.
Financial Instns Inc held $108.8M in cash against $193.7M in long-term debt as of fiscal year 2025.
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.
Margins & Returns
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.
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.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Capital Allocation
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.
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.
Not reported for fiscal year 2025.
FISI Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $333.7M | $333.0M+6.3% | $313.2M+9.5% | $286.1M+45.9% | $196.1M+17.3% | $167.2M+3.7% | $161.3M-4.4% | $168.8M+10.5% | $152.7M+17.4% | $130.1M+12.9% | $115.2M+9.3% | $105.5M+4.3% | $101.1M+2.1% | $98.9M+1.4% | $97.6M+2.6% | $95.1M |
| SG&A Expenses | $75.6M | $72.8M+10.1% | $66.1M-8.0% | $71.9M+3.2% | $69.6M+14.4% | $60.9M+2.6% | $59.3M+5.3% | $56.3M+3.1% | $54.6M+12.3% | $48.7M+7.7% | $45.2M+6.5% | $42.4M+10.0% | $38.6M+2.0% | $37.8M-5.7% | $40.1M+12.3% | $35.7M |
| Interest Expense | $124.4M | $133.0M-11.1% | $149.6M+24.3% | $120.4M+319.1% | $28.7M+130.3% | $12.5M-44.1% | $22.3M-42.6% | $38.9M+30.2% | $29.9M+70.7% | $17.5M+39.5% | $12.5M+23.7% | $10.1M+39.2% | $7.3M-0.8% | $7.3M-18.9% | $9.1M-31.7% | $13.3M |
| Income Tax | $17.0M | $16.5M+162.2% | -$26.5M-307.2% | $12.8M-11.2% | $14.4M-26.3% | $19.5M+164.2% | $7.4M-30.0% | $10.6M+5.5% | $10.0M+0.6% | $9.9M-18.6% | $12.2M+15.9% | $10.5M+9.5% | $9.6M-22.2% | $12.4M+9.3% | $11.3M-0.8% | $11.4M |
| Net Income | $82.6M | $74.9M+279.8% | -$41.6M-182.9% | $50.3M-11.2% | $56.6M-27.2% | $77.7M+102.7% | $38.3M-21.6% | $48.9M+23.6% | $39.5M+17.9% | $33.5M+5.0% | $31.9M+12.7% | $28.3M-3.5% | $29.4M+15.0% | $25.5M+8.9% | $23.4M+2.9% | $22.8M |
| EPS (Diluted) | — | $3.61+231.3% | -$2.75-187.3% | $3.15-11.5% | $3.56-25.5% | $4.78+107.8% | $2.30-22.3% | $2.96+23.8% | $2.39+12.2% | $2.13+1.4% | $2.10+10.5% | $1.90-5.0% | $2.00+14.3% | $1.75+9.4% | $1.60+7.4% | $1.49 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
FISI Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $6.3B+2.6% | $6.1B-0.7% | $6.2B+6.3% | $5.8B+5.0% | $5.5B+12.4% | $4.9B+12.0% | $4.4B+1.7% | $4.3B+5.0% | $4.1B+10.6% | $3.7B+9.7% | $3.4B+9.4% | $3.1B+5.5% | $2.9B+6.0% | $2.8B+18.3% | $2.3B |
| Cash & Equivalents | $108.8M+24.5% | $87.3M-29.8% | $124.4M | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $58.2M-2.6% | $59.7M-1.2% | $60.4M+5.0% | $57.6M |
| Goodwill | $58.1M0.0% | $58.1M-13.3% | $67.1M0.0% | $67.1M0.0% | $67.1M+1.5% | $66.1M0.0% | $66.1M0.0% | $66.1M+0.3% | $65.8M-0.9% | $66.4M+10.0% | $60.4M-1.2% | $61.2M+26.0% | $48.5M0.0% | $48.5M+29.9% | $37.4M |
| Total Liabilities | $5.6B+1.8% | $5.5B-2.8% | $5.7B+5.8% | $5.4B+7.5% | $5.0B+12.9% | $4.4B+12.6% | $3.9B+0.8% | $3.9B+5.1% | $3.7B+9.8% | $3.4B+9.8% | $3.1B+9.9% | $2.8B+5.1% | $2.7B+6.5% | $2.5B+19.6% | $2.1B |
| 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+87.5% | $39.3M+0.2% | $39.2M+0.2% | $39.1M+0.2% | $39.1M+0.2% | $39.0M | $0 | $0 | N/A | N/A |
| Total Equity | $628.9M+10.5% | $569.0M+25.1% | $454.8M+12.1% | $405.6M-19.7% | $505.1M+7.9% | $468.4M+6.7% | $438.9M+10.8% | $396.3M+4.0% | $381.2M+19.1% | $320.1M+8.9% | $293.8M+5.1% | $279.5M+9.7% | $254.8M+0.4% | $253.9M+7.0% | $237.2M |
| Retained Earnings | $437.1M+12.5% | $388.7M-14.0% | $451.7M+7.2% | $421.3M+9.7% | $384.0M+18.2% | $324.9M+3.7% | $313.4M+12.0% | $279.9M+8.9% | $257.1M+8.2% | $237.7M+8.6% | $218.9M+7.7% | $203.3M+9.2% | $186.1M+8.1% | $172.2M+9.0% | $158.1M |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities.
FISI Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $60.9M | $18.8M-75.6% | $77.1M+608.0% | $10.9M-91.8% | $133.6M+83.1% | $73.0M+67.9% | $43.5M-24.7% | $57.7M-11.4% | $65.1M+40.8% | $46.3M-0.9% | $46.7M+8.4% | $43.1M+22.3% | $35.2M-5.3% | $37.2M-3.9% | $38.7M+20.9% | $32.0M |
| Capital Expenditures | $4.6M | $5.5M+11.5% | $5.0M+66.2% | $3.0M-64.2% | $8.4M-11.0% | $9.4M+120.5% | $4.3M+17.2% | $3.6M+28.0% | $2.8M-63.3% | $7.7M+1.6% | $7.6M+1.7% | $7.5M+40.6% | $5.3M+56.3% | $3.4M-41.6% | $5.8M+58.8% | $3.7M |
| Free Cash Flow | $56.2M | $13.3M-81.6% | $72.2M+813.1% | $7.9M-93.7% | $125.2M+97.0% | $63.6M+62.2% | $39.2M-27.5% | $54.1M-13.2% | $62.3M+61.6% | $38.5M-1.4% | $39.1M+9.8% | $35.6M+19.1% | $29.9M-11.5% | $33.8M+2.8% | $32.9M+15.9% | $28.3M |
| Investing Cash Flow | -$199.2M | -$140.0M-1601.1% | -$8.2M+97.3% | -$310.1M+4.6% | -$325.2M+48.7% | -$633.4M-19.3% | -$531.1M-2047.2% | -$24.7M+89.0% | -$225.4M+39.5% | -$372.6M-14.1% | -$326.7M-6.8% | -$305.9M-99.3% | -$153.5M+36.6% | -$242.2M-144.5% | -$99.1M+5.5% | -$104.9M |
| Financing Cash Flow | $144.5M | $142.7M+234.6% | -$106.0M-136.2% | $293.2M+20.7% | $242.9M-55.5% | $545.7M+16.5% | $468.5M+2156.4% | -$22.8M-113.9% | $163.8M-53.8% | $354.3M+21.7% | $291.1M+10.0% | $264.8M+126.8% | $116.7M-42.9% | $204.3M+223.1% | $63.2M-30.8% | $91.4M |
| Dividends Paid | $25.0M | $24.7M+33.5% | $18.5M+1.3% | $18.3M+3.9% | $17.6M+3.5% | $17.0M+3.0% | $16.5M+4.4% | $15.8M+5.7% | $14.9M+19.6% | $12.5M+8.8% | $11.5M+2.0% | $11.3M+7.0% | $10.5M+7.9% | $9.8M+31.9% | $7.4M+35.7% | $5.4M |
| Share Buybacks | $17.1M | $11.4M+2580.5% | $426K-25.4% | $571K-96.3% | $15.3M+66.1% | $9.2M+4318.7% | $209K-28.7% | $293K+159.3% | $113K-23.6% | $148K | N/A | $202K+4.1% | $194K-15.3% | $229K-58.9% | $557K+159.1% | $215K |
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
FISI Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 22.5%+35.8pp | -13.3%-30.9pp | 17.6%-11.3pp | 28.8%-17.6pp | 46.5%+22.7pp | 23.8%-5.2pp | 28.9%+3.1pp | 25.9%+0.1pp | 25.8%-1.9pp | 27.7%+0.8pp | 26.9%-2.2pp | 29.0%+3.2pp | 25.8%+1.8pp | 24.0%+0.1pp | 24.0% |
| 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%-2.9pp | 11.1%+1.2pp | 10.0%+1.2pp | 8.8%-1.2pp | 10.0%+0.3pp | 9.6%-0.9pp | 10.5%+0.5pp | 10.0%+0.8pp | 9.2%-0.4pp | 9.6% |
| 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%-0.3pp | 1.1%+0.2pp | 0.9%+0.1pp | 0.8%0.0pp | 0.9%0.0pp | 0.8%-0.1pp | 0.9%+0.1pp | 0.9%0.0pp | 0.9%-0.1pp | 1.0% |
| Debt-to-Equity | 0.31+0.1x | 0.22-0.1x | 0.27+0.1x | 0.180.0x | 0.150.0x | 0.16+0.1x | 0.090.0x | 0.100.0x | 0.100.0x | 0.120.0x | 0.13+0.1x | 0.000.0x | 0.00-9.9x | 9.89+1.0x | 8.85 |
| FCF Margin | 4.0%-19.1pp | 23.0%+20.3pp | 2.8%-61.1pp | 63.8%+25.8pp | 38.0%+13.7pp | 24.3%-7.7pp | 32.0%-8.8pp | 40.8%+11.2pp | 29.6%-4.3pp | 33.9%+0.2pp | 33.8%+4.2pp | 29.6%-4.6pp | 34.2%+0.5pp | 33.7%+3.9pp | 29.8% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Similar Companies
Where Financial Instns Inc Ranks
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.
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 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 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 18 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.