Financial Institutions, Inc. (FISI)

Financial Institutions Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	199.99	163.59	165.72	167.37	154.73
Net Interest Income Growth	22.25%	-1.28%	-0.99%	8.17%	11.33%
Non-Interest Income	44.96	-46.68	48.24	46.27	46.91
Non-Interest Income Growth	-	-	4.26%	-1.35%	8.64%
Revenues Before Loan Losses	244.94	116.91	213.96	213.64	201.64
Provision for Credit Losses	11.63	6.15	13.68	13.31	-8.34
Revenue	233.32	110.76	200.28	200.33	209.97
Revenue Growth (YoY)	110.65%	-44.70%	-0.03%	-4.59%	35.49%
Compensation Expenses	72.81	66.13	71.89	69.63	60.89
Selling, General & Admin	49	48.26	43.97	42.29	38.49
Other Non-Interest Expenses	20.15	64.52	21.37	17.44	13.37
Total Non-Interest Expense	141.96	178.91	137.23	129.36	112.75
Pretax Income	91.35	-68.15	63.05	70.97	97.22
Provision for Income Taxes	16.49	-26.5	12.79	14.4	19.53
Net Income	73.41	-43.11	48.81	55.11	76.24
Net Income Attributable to Preferred Dividends	1.46	1.46	1.46	1.46	1.46
Net Income to Common	73.41	-43.11	48.81	55.11	76.24
Net Income Growth	-	-	-11.45%	-27.71%	106.77%
Shares Outstanding (Basic)	20	16	15	15	16
Shares Outstanding (Diluted)	20	16	15	15	16
Shares Change (YoY)	29.55%	1.34%	0.03%	-2.92%	-0.78%
EPS (Basic)	3.65	-2.75	3.17	3.58	4.81
EPS (Diluted)	3.61	-2.75	3.15	3.56	4.78
EPS Growth	-	-	-11.52%	-25.52%	107.83%
Free Cash Flow	13.25	72.15	7.9	125.2	63.56
Free Cash Flow Growth	-81.63%	813.10%	-93.69%	96.99%	62.18%
Free Cash Flow Per Share	0.65	4.60	0.51	8.09	3.99
Dividends Per Share	1.240	1.200	1.200	1.160	1.080
Dividend Growth	3.33%	-	3.45%	7.41%	3.85%
Profit Margin	32.09%	-37.60%	25.10%	28.24%	37.00%
FCF Margin	5.68%	65.14%	3.95%	62.50%	30.27%
EBITDA	7.88	7.68	8.09	8.11	8.05
EBITDA Margin	3.38%	6.93%	4.04%	4.05%	3.83%
Effective Tax Rate	18.05%	38.89%	20.28%	20.29%	20.08%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q