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-K - Q4 2025 - 09 Mar 2026

Key Ratios

Label TTM Value / Value Unit Change %
Debt-to-equity 926% % -19%
Return On Equity 12% %
Return On Assets 1.2% %

Shares

Label TTM Value / Value Unit Change %
Entity Common Stock, Shares Outstanding 19,634,210 shares -2.4%
Entity Public Float $504,049,000 USD 73%
Common Stock, Value, Issued $207,000 USD 0%
Weighted Average Number of Shares Outstanding, Basic 20,099,000 shares 28%
Weighted Average Number of Shares Outstanding, Diluted 20,318,000 shares 30%

Income Statement

Label TTM Value / Value Unit Change %
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest $91,354,000 USD
Income Tax Expense (Benefit) $16,487,000 USD
Net Income (Loss) Attributable to Parent $74,867,000 USD
Earnings Per Share, Basic 3.65 USD/shares
Earnings Per Share, Diluted 3.61 USD/shares

Balance Sheet

Label TTM Value / Value Unit Change %
Cash and Cash Equivalents, at Carrying Value $108,751,000 USD 25%
Property, Plant and Equipment, Net $39,894,000 USD 0.07%
Operating Lease, Right-of-Use Asset $29,066,000 USD -4.3%
Goodwill $58,121,000 USD 0%
Assets $6,274,140,000 USD 2.6%
Liabilities $5,645,286,000 USD 1.8%
Accumulated Other Comprehensive Income (Loss), Net of Tax $33,030,000 USD 37%
Retained Earnings (Accumulated Deficit) $437,139,000 USD 12%
Stockholders' Equity Attributable to Parent $628,854,000 USD 11%
Liabilities and Equity $6,274,140,000 USD 2.6%

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 0%
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 $57,328,000 USD -25%
Operating Lease, Liability $31,575,000 USD -3.6%
Payments to Acquire Property, Plant, and Equipment $816,000 USD -30%
Comprehensive Income (Loss), Net of Tax, Attributable to Parent $94,441,000 USD 268%
Lessee, Operating Lease, Liability, to be Paid $50,607,000 USD 5.1%
Property, Plant and Equipment, Gross $104,665,000 USD -0.28%
Operating Lease, Weighted Average Discount Rate, Percent 0.0439 pure 12%
Deferred Income Tax Expense (Benefit) $483,000 USD -87%
Lessee, Operating Lease, Liability, Undiscounted Excess Amount $19,032,000 USD 24%
Preferred Stock, Shares Issued 172,848 shares 0%
Preferred Stock, Shares Authorized 201,533 shares 0%
Operating Lease, Payments $3,028,000 USD 0.26%
Additional Paid in Capital $234,398,000 USD 0.42%
Preferred Stock, Shares Outstanding 172,848 shares 0%
Amortization of Intangible Assets $415,000 USD -25%
Interest Expense $145,610,000 USD 99%
Preferred Stock, Par or Stated Value Per Share 100 USD/shares 0%