Financial Institutions, Inc. (FISI)

Financial Institutions Financials Overview

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

Revenue & Profits

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Revenue Revenue Growth	243.46	233.32	110.76	200.28	200.33	209.97
Revenue Growth	137.20%	110.65%	-44.70%	-0.03%	-4.59%	35.49%
Net Income Net Income Growth	81.17	73.41	-43.11	48.81	55.11	76.24
Earnings Per Share EPS Growth	4.03	3.61	-2.75	3.15	3.56	4.78
EPS Growth	-	-	-	-11.52%	-25.52%	107.83%

Revenue by Segment

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Banking Banking Growth	237.28	226.78	89.66	188.17	188.82	198.64
Unallocated Interest Expense Unallocated Interest Expense Growth	-5.64	-4.78	-4.24	-4.24	-4.24	-
Unallocated Investment Advisory Income Unallocated Investment Advisory Income Growth	12.24	11.55	10.28	10.12	10.33	-
Unallocated Other Fees and Income Unallocated Other Fees and Income Growth	-0.42	-0.24	-0.72	-0.46	-0.89	-
Unallocated Gain on Sale of Assets of Subsidiary Unallocated Gain on Sale of Assets of Subsidiary Growth	-	-	13.66	-	-	-
Unallocated Insurance Income Unallocated Insurance Income Growth	-	-	2.13	6.69	6.31	-
Total Total Growth	243.46	233.32	110.76	200.28	200.33	209.97

Cash & Debt

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Investments Cash & Investments Growth	128.36	137.87	133.45	167.95	185.02	95.44
Total Debt Total Debt Growth	320	361.06	298.02	380.84	360.2	142.32
Net Cash (Debt) Net Cash Growth	-191.64	-223.19	-164.56	-212.89	-175.18	-46.88
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share Net Cash Per Share Growth	-9.52	-10.98	-10.49	-13.76	-11.32	-2.94

Cash Flow & CapEx

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Operating Cash Flow Operating Cash Flow Growth	60.87	18.8	77.13	10.89	133.57	72.96
Capital Expenditures CapEx Growth	-4.63	-5.55	-4.97	-2.99	-8.37	-9.4
Free Cash Flow Free Cash Flow Growth	56.24	13.25	72.15	7.9	125.2	63.56
Free Cash Flow Growth	99.55%	-81.63%	813.10%	-93.69%	96.99%	62.18%

Margins

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Profit Margin	33.34%	31.46%	-38.92%	24.37%	27.51%	36.31%
FCF Margin	23.10%	5.68%	65.14%	3.95%	62.50%	30.27%

Dividends

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 3, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Dividend Per Share Dividend Per Share Growth	1.280	1.240	1.200	1.200	1.160	1.080
Dividend Per Share Growth	3.25%	3.33%	0%	3.45%	7.41%	3.85%
Dividend Yield	3.13%	4.06%	4.69%	6.35%	5.73%	4.27%

Valuation

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 3, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
PE Ratio	10.14	8.55	-	6.72	6.78	6.61
Forward PE	9.76	8.25	8.92	7.16	7.17	9.46
P/FCF Ratio	14.31	47.34	7.37	41.52	2.98	7.92
PS Ratio	3.31	2.69	4.80	1.64	1.87	2.40

Data Source: S&P Global Market Intelligence Last updated: May 4, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Sep 3, 2026

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