FINANCIAL INSTITUTIONS INC financial data

Symbol
FISI on Nasdaq, FIISO, FIISP on OTC
Location
Warsaw, NY
Fiscal year end
31 December
Latest financial report
10-Q - Q3 2025 - 03 Nov 2025

Key Ratios

Label TTM Value / Value Unit Change %
Debt-to-equity 945% % -23%
Return On Equity -4.7% % -143%
Return On Assets -0.45% % -154%

Shares

Label TTM Value / Value Unit Change %
Entity Common Stock, Shares Outstanding 20,130,546 shares 30%
Entity Public Float $290,557,000 USD
Common Stock, Value, Issued $207,000 USD 29%
Weighted Average Number of Shares Outstanding, Basic 20,122,000 shares 30%
Weighted Average Number of Shares Outstanding, Diluted 20,336,000 shares 30%

Income Statement

Label TTM Value / Value Unit Change %
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest $47,911,000 USD -177%
Income Tax Expense (Benefit) $19,987,000 USD -280%
Net Income (Loss) Attributable to Parent $27,924,000 USD -155%
Earnings Per Share, Basic -2 USD/shares -183%
Earnings Per Share, Diluted -2 USD/shares -184%

Balance Sheet

Label TTM Value / Value Unit Change %
Cash and Cash Equivalents, at Carrying Value $185,945,000 USD
Property, Plant and Equipment, Net $39,198,000 USD -3.9%
Operating Lease, Right-of-Use Asset $29,660,000 USD -3.8%
Goodwill $58,100,000 USD -0.04%
Assets $6,288,052,000 USD 2.1%
Liabilities $5,666,332,000 USD 0.18%
Accumulated Other Comprehensive Income (Loss), Net of Tax $36,758,000 USD 64%
Retained Earnings (Accumulated Deficit) $423,762,000 USD -11%
Stockholders' Equity Attributable to Parent $621,720,000 USD 24%
Liabilities and Equity $6,288,052,000 USD 2.1%

Popular Metrics

Label TTM Value / Value Unit Change %
Net Cash Provided by (Used in) Operating Activities $10,005,000 USD -19%
Net Cash Provided by (Used in) Financing Activities $217,314,000 USD 72%
Net Cash Provided by (Used in) Investing Activities $147,288,000 USD -463%
Common Stock, Shares Authorized 50,000,000 shares 0%
Common Stock, Shares, Issued 20,699,556 shares 29%
Common Stock, Par or Stated Value Per Share 0.01 USD/shares 0%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect $80,031,000 USD -29%
Interest Paid, Excluding Capitalized Interest, Operating Activities $36,246,000 USD -21%
Deferred Tax Assets, Valuation Allowance $0 USD
Deferred Tax Assets, Gross $76,786,000 USD 16%
Operating Lease, Liability $32,149,000 USD -3.1%
Payments to Acquire Property, Plant, and Equipment $816,000 USD -30%
Comprehensive Income (Loss), Net of Tax, Attributable to Parent $37,347,000 USD -66%
Lessee, Operating Lease, Liability, to be Paid $46,683,000 USD -4.6%
Property, Plant and Equipment, Gross $104,960,000 USD 1.9%
Operating Lease, Weighted Average Discount Rate, Percent 0.04 pure 0%
Deferred Income Tax Expense (Benefit) $483,000 USD -87%
Lessee, Operating Lease, Liability, Undiscounted Excess Amount $14,534,000 USD -7.6%
Preferred Stock, Shares Issued 172,848 shares -0.04%
Preferred Stock, Shares Authorized 201,533 shares -4%
Operating Lease, Payments $3,003,000 USD -1.1%
Additional Paid in Capital $233,629,000 USD 87%
Preferred Stock, Shares Outstanding 172,848 shares -0.04%
Amortization of Intangible Assets $424,000 USD -36%
Interest Expense $145,610,000 USD 99%
Preferred Stock, Par or Stated Value Per Share 100 USD/shares 0%