Financial Institutions Inc (FISI) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 3, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 3, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the FISI SEC filings page.
Financial Institutions Inc (FISI) reported $254.9M in revenue over the twelve months to Jun 30, 2026, up 4.0% from the prior twelve months. 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).
The 2025 rebound restored reported profit, but weak cash conversion and rising leverage show a balance-sheet-funded banking model.
FY2025 net income reached$74.9M , yet operating cash flow was only$18.8M , leaving most reported earnings unmatched by operating cash. That contrasts with FY2024, when the company recorded a net loss of$41.6M alongside operating cash flow of$77.1M —evidence that reported profit and cash generation can move in opposite directions.
Return on equity recovered from
The balance sheet remains primarily liability-financed: liabilities were
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 Institutions 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.
Financial Institutions Inc earned a return on assets of 1.2% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from -0.7% the prior year. Earnings ranks banks on that return over three years, and Financial Institutions Inc scores 29/100 among other banks.
Financial Institutions Inc reported revenue of $244.9M in fiscal year 2025, against $116.9M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Financial Institutions Inc scores 46/100 among other banks.
Financial Institutions Inc funded 10.0% of its assets with shareholders' equity at the end of fiscal year 2025, holding $628.9M of equity against $6.3B of assets. Capital ranks banks on that cushion, and Financial Institutions Inc scores 30/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Financial Institutions Inc scores 11/100 on it among other banks.
Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. Financial Institutions Inc scores 40/100 on it among other banks.
Financial Institutions Inc reported net income of $74.9M in fiscal year 2025, against a loss of $41.6M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Financial Institutions Inc scores 19/100 among other banks.
Financial Institutions Inc passes 5 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, Financial Institutions 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 Institutions Inc generated $64.3M in revenue in Q2 2026. This represents an increase of 7.7% from the same quarter a year earlier. Against the prior quarter it is up 2.6%.
Financial Institutions Inc reported $21.2M in net income in Q2 2026. This represents an increase of 20.8% from the same quarter a year earlier. Against the prior quarter it is up 0.9%.
Financial Institutions Inc earned $1.04 per diluted share (EPS) in Q2 2026. This represents an increase of 22.4% from the same quarter a year earlier. It is unchanged from the prior quarter.
Not reported for Q2 2026.
Cash & Balance Sheet
Financial Institutions Inc generated $21.8M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 398.0% from the same quarter a year earlier. Against the prior quarter it is down 5.3%.
Financial Institutions Inc held $99.2M in cash against $78.7M in long-term debt as of Q2 2026.
Financial Institutions Inc paid $0.32 per share in dividends in Q2 2026. This represents an increase of 3.2% from the same quarter a year earlier. It is unchanged from the prior quarter.
Margins & Returns
Financial Institutions Inc's net profit margin was 32.9% in Q2 2026, showing the share of revenue converted to profit. This is up 3.6 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.5 percentage points.
Financial Institutions Inc's ROE was 3.3% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.4 percentage points from the same quarter a year earlier. It is unchanged from the prior quarter.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
Financial Institutions Inc spent $65K on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. Against the prior quarter it is down 98.9%.
Financial Institutions Inc invested $848K in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 46.9% from the same quarter a year earlier. Against the prior quarter it is up 30.5%.
Not reported for Q2 2026.
FISI Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $64.3M+7.7% | $62.7M+9.5% | $64.1M-17.9% | $63.8M+27.4% | $59.7M-8.4% | $57.2M+12.3% | $78.1M+41.4% | $50.1M-3.9% |
| SG&A Expenses | $19.2M+6.1% | $18.6M+10.1% | $19.3M+12.6% | $18.5M+16.6% | $18.1M+14.7% | $16.9M-2.5% | $17.2M-3.8% | $15.9M-12.6% |
| Interest Expense | $29.7M-11.9% | $29.6M-13.5% | $32.4M-11.1% | $32.6M-12.3% | $33.7M-10.2% | $34.2M-10.8% | $36.5M-0.5% | $37.2M+12.7% |
| Income Tax | $4.4M+11.5% | $3.8M+2.7% | $4.0M+112.4% | $4.8M+340.0% | $4.0M-12.3% | $3.7M+952.2% | -$32.5M-729.5% | $1.1M-55.7% |
| Net Income | $21.2M+20.8% | $21.0M+24.3% | $20.0M+124.1% | $20.5M+52.1% | $17.5M-31.6% | $16.9M+715.4% | -$82.8M-946.7% | $13.5M-4.0% |
| EPS (Basic) | $1.06+24.7% | $1.05+28.0% | $0.97+118.1% | $1.00+17.6% | $0.85-48.2% | $0.82+645.5% | -$5.35-977.0% | $0.85-4.5% |
| EPS (Diluted) | $1.04+22.4% | $1.04+28.4% | $0.96+118.0% | $0.99+17.9% | $0.85-47.5% | $0.81+636.4% | -$5.32-986.7% | $0.84-4.5% |
| Diluted Shares (Avg) | 20M-1.7% | 20M-1.8% | N/A | 20M+30.1% | 20M+30.5% | 20M+30.5% | N/A | 16M+1.1% |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.
FISI Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $6.3B+3.1% | $6.3B-0.7% | $6.3B+2.6% | $6.3B+2.1% | $6.1B+0.2% | $6.3B+0.7% | $6.1B-0.7% | $6.2B+0.3% |
| Cash & Equivalents | $99.2M+6.6% | $85.5M-48.9% | $108.8M+24.5% | $185.9M | $93.0M | $167.4M | $87.3M-29.8% | N/A |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | N/A |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | N/A |
| Goodwill | $58.1M0.0% | $58.1M0.0% | $58.1M0.0% | $58.1M0.0% | $58.1M0.0% | $58.1M-13.4% | $58.1M-13.3% | $58.1M-13.3% |
| Total Liabilities | $5.7B+2.7% | $5.7B-1.5% | $5.6B+1.8% | $5.7B+0.2% | $5.5B-2.2% | $5.8B-1.7% | $5.5B-2.8% | $5.7B-1.3% |
| Long-Term Debt | $78.7M-31.5% | $78.6M-37.1% | $193.7M+55.1% | $115.0M-7.8% | $115.0M-7.8% | $124.9M+0.2% | $124.8M+0.2% | $124.8M+0.2% |
| Total Equity | $643.4M+6.9% | $631.7M+7.1% | $628.9M+10.5% | $621.7M+24.3% | $601.7M+28.7% | $589.9M+32.3% | $569.0M+25.1% | $500.3M+22.4% |
| Retained Earnings | $466.0M+13.7% | $451.5M+13.2% | $437.1M+12.5% | $423.8M-11.3% | $409.9M-12.7% | $399.0M-11.1% | $388.7M-14.0% | $477.9M+6.9% |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-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. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $22.7M+495.8% | $23.7M+136.8% | $21.4M-20.8% | -$6.9M-420.5% | -$5.7M-116.0% | $10.0M-18.6% | $27.0M+156.7% | $2.1M-95.1% |
| Depreciation & Amortization | $1.9M-1.7% | $1.8M-5.7% | $2.2M+11.6% | $1.9M+2.7% | $1.9M+2.6% | $1.9M-5.8% | $2.0M-2.7% | $1.8M-8.3% |
| Stock-Based Compensation | $1.3M+33.1% | $903K+78.5% | N/A | $756K+53.0% | $954K+27.9% | $506K-11.1% | N/A | $494K-31.5% |
| Capital Expenditures | $848K-46.9% | $650K-20.3% | $2.1M+426.3% | $1.0M-58.5% | $1.6M+67.8% | $816K-30.5% | $403K-67.8% | $2.4M+382.4% |
| Free Cash Flow | $21.8M+398.0% | $23.0M+150.7% | $19.3M-27.5% | -$7.9M-2541.1% | -$7.3M-121.1% | $9.2M-17.3% | $26.6M+154.4% | -$299K-100.7% |
| Investing Cash Flow | -$31.8M-126.8% | -$55.8M+62.1% | -$62.3M+53.9% | -$49.4M-161.8% | $118.9M+62.7% | -$147.3M-462.9% | -$134.9M-400.8% | $79.8M+2084.2% |
| Financing Cash Flow | $22.9M+112.2% | $8.8M-96.0% | -$36.3M+33.1% | $149.2M+601.9% | -$187.5M+6.0% | $217.3M+71.8% | -$54.3M-881.8% | $21.3M+176.3% |
| Dividends Paid | $6.6M+0.9% | $6.6M+3.4% | $5.1M+45.1% | $6.6M+32.0% | $6.6M+32.1% | $6.4M+28.1% | $3.5M+0.6% | $5.0M+0.6% |
| Share Buybacks | $65K | $6.1M+1174.4% | $10.9M+272500.0% | $34K+30.8% | $0-100.0% | $481K+22.4% | $4K-50.0% | $26K |
FISI Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 32.9%+3.6pp | 33.5%+4.0pp | 31.2% | 32.1%+5.2pp | 29.3%-10.0pp | 29.5%+25.4pp | -106.0% | 26.9%0.0pp |
| Return on Equity | 3.3%+0.4pp | 3.3%+0.5pp | 3.2%+17.7pp | 3.3%+0.6pp | 2.9%-2.6pp | 2.9%+2.4pp | -14.6%-16.7pp | 2.7%-0.7pp |
| Return on Assets | 0.3%0.0pp | 0.3%+0.1pp | 0.3%+1.7pp | 0.3%+0.1pp | 0.3%-0.1pp | 0.3%+0.2pp | -1.4%-1.5pp | 0.2%0.0pp |
| Debt-to-Equity | 0.12-0.1x | 0.12-0.1x | 0.31+0.1x | 0.18-0.1x | 0.19-0.1x | 0.21-0.1x | 0.22-0.1x | 0.25-0.1x |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x |
| FCF Margin | 33.9%+46.2pp | 36.8%+20.7pp | 30.1%-4.0pp | -12.4%-11.8pp | -12.3%-65.5pp | 16.1%-5.8pp | 34.1%+122.6pp | -0.6%-83.5pp |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Net Margin.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| Financial Institutions Inc FISI | FY2025 | $244.9M | $74.9M | 30.6% | $787.9M | 29/100 |
| Guaranty Bancshares, Inc. GNTY | FY2024 | $118.6M | $31.5M | 26.6% | $553.2M | 37/100 |
| Bar Harbor Bankshares BHB | FY2025 | $168.9M | $36.9M | 21.9% | $661.4M | 47/100 |
| Peoples Financial Services Corp. PFIS | FY2025 | $187.7M | $59.2M | 31.5% | $693.6M | 37/100 |
| Shore Bancshares Inc SHBI | FY2025 | $225.1M | $59.5M | 26.4% | $767.6M | 34/100 |
Where Financial Institutions Inc Ranks
Frequently Asked Questions
What is Financial Institutions Inc's annual revenue?
Financial Institutions Inc (FISI) reported $244.9M in total revenue for fiscal year 2025. This represents a 109.5% 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 Institutions Inc's revenue growing?
Financial Institutions Inc (FISI) revenue grew by 109.5% year-over-year, from $116.9M to $244.9M in fiscal year 2025.
Is Financial Institutions Inc profitable?
Yes, Financial Institutions Inc (FISI) reported a net income of $74.9M in fiscal year 2025, with a net profit margin of 30.6%.
How much debt does Financial Institutions Inc have?
As of fiscal year 2025, Financial Institutions Inc (FISI) had $108.8M in cash and equivalents against $193.7M in long-term debt.
What is Financial Institutions Inc's net profit margin?
Financial Institutions Inc (FISI) had a net profit margin of 30.6% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Financial Institutions Inc pay dividends?
Yes, Financial Institutions Inc (FISI) paid $1.24 per share in dividends during fiscal year 2025.
What is Financial Institutions Inc's return on equity (ROE)?
Financial Institutions 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 Institutions Inc's free cash flow?
Financial Institutions 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 Institutions Inc's operating cash flow?
Financial Institutions Inc (FISI) generated $18.8M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Financial Institutions Inc's total assets?
Financial Institutions Inc (FISI) had $6.3B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Financial Institutions Inc's capital expenditures?
Financial Institutions Inc (FISI) invested $5.5M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Financial Institutions Inc's debt-to-equity ratio?
Financial Institutions 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 Institutions Inc's return on assets (ROA)?
Financial Institutions 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 Institutions Inc's P/E ratio?
Financial Institutions Inc (FISI) trades at 9.5x earnings, its market capitalization divided by net income of $82.6M net income, trailing 12 months to June 30, 2026. The market capitalization is $787.9M as of Oct 3, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Financial Institutions Inc's price-to-sales ratio?
Financial Institutions Inc (FISI) trades at 3.1x sales, its market capitalization divided by revenue of $254.9M revenue, trailing 12 months to June 30, 2026. The market capitalization is $787.9M as of Oct 3, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Financial Institutions Inc's Piotroski F-Score?
Financial Institutions Inc (FISI) has a Piotroski F-Score of 5 out of 7 computable signals; 2 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 Institutions Inc's earnings high quality?
Financial Institutions 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 Institutions Inc?
Financial Institutions Inc (FISI) scores 29 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.