Financial Institutions, Inc. (FISI)
NASDAQ: FISI · Real-Time Price · USD
39.66
-0.78 (-1.93%)
Nov 5, 2026, 12:53 PM EST - Market open
Financial Institutions Balance Sheet
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Assets
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash & Equivalents | 102.88 | 108.75 | 87.32 | 124.44 | 130.47 | 79.11 |
Investment Securities | 76.52 | 145.29 | 142.58 | 175.43 | 190.63 | 194.2 |
Trading Asset Securities | - | 29.12 | 46.13 | 43.51 | 54.56 | 16.33 |
Mortgage-Backed Securities | 958.24 | 922.7 | 956.39 | 928.71 | 1,008 | 1,257 |
Total Investments | 1,035 | 1,097 | 1,145 | 1,148 | 1,253 | 1,467 |
Gross Loans | 4,856 | 4,662 | 4,483 | 4,466 | 4,054 | 3,683 |
Allowance for Loan Losses | -48.01 | -47.39 | -48.04 | -51.08 | -45.41 | -39.68 |
Other Adjustments to Gross Loans | - | -4.48 | -3.39 | -4.02 | -3.97 | -3.77 |
Net Loans | 4,808 | 4,610 | 4,431 | 4,411 | 4,005 | 3,640 |
Property, Plant & Equipment | - | 68.96 | 70.24 | 71.43 | 73.11 | 62.18 |
Goodwill | - | 58.12 | 58.12 | 67.07 | 67.07 | 67.07 |
Other Intangible Assets | 60.06 | 2.22 | 2.64 | 5.43 | 6.34 | 7.33 |
Loans Held for Sale | 1.91 | 3.37 | 2.28 | 1.37 | 0.55 | 6.2 |
Accrued Interest Receivable | - | 25.1 | 23.75 | 24.48 | 19.37 | 15.5 |
Other Current Assets | - | - | - | - | - | 7.2 |
Long-Term Deferred Tax Assets | - | 42.6 | 60.89 | 48.73 | 53.43 | 6.23 |
Other Long-Term Assets | 499.5 | 235.8 | 217.33 | 241.82 | 169.05 | 158.46 |
Total Assets | 6,507 | 6,274 | 6,117 | 6,161 | 5,797 | 5,521 |
Liabilities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Interest Bearing Deposits | 4,500 | 3,849 | 3,826 | 3,900 | 3,532 | 3,537 |
Institutional Deposits | - | 394.2 | 328.4 | 302.6 | 258.7 | 182.3 |
Non-Interest Bearing Deposits | 974.63 | 962.72 | 950.35 | 1,011 | 1,139 | 1,108 |
Total Deposits | 5,475 | 5,206 | 5,105 | 5,213 | 4,929 | 4,827 |
Short-Term Borrowings | 167 | 135.83 | 140.41 | 222.52 | 252.75 | 44.54 |
Current Portion of Leases | - | 6.05 | - | - | - | - |
Accrued Interest Payable | - | 21.44 | 25.86 | 19.41 | 5.98 | - |
Other Current Liabilities | - | 21.27 | 45.96 | 40.35 | 54.3 | - |
Long-Term Debt | 78.77 | 143.65 | 74.84 | 74.53 | 74.22 | 73.91 |
Federal Home Loan Bank Debt, Long-Term | - | 50 | 50 | 50 | - | - |
Long-Term Leases | - | 25.53 | 32.76 | 33.79 | 33.23 | 23.87 |
Pension & Post-Retirement Benefits | - | - | - | - | - | 0.03 |
Other Long-Term Liabilities | 167.22 | 35.17 | 73.54 | 52.57 | 41.76 | 46.2 |
Total Liabilities | 5,888 | 5,645 | 5,548 | 5,706 | 5,392 | 5,016 |
Shareholders' Equity
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Preferred Stock, Non-Redeemable | 17.28 | 17.29 | 17.29 | 17.29 | 17.29 | 17.29 |
Total Preferred Equity | 17.28 | 17.29 | 17.29 | 17.29 | 17.29 | 17.29 |
Common Stock | 676.12 | 0.21 | 0.21 | 0.16 | 0.16 | 0.16 |
Additional Paid-In Capital | - | 234.4 | 233.42 | 125.84 | 126.64 | 126.11 |
Retained Earnings | - | 437.14 | 388.67 | 451.69 | 421.34 | 384.01 |
Treasury Stock | - | -27.15 | -17.99 | -20.24 | -22.34 | -9.22 |
Comprehensive Income & Other | -74.41 | -33.03 | -52.6 | -119.94 | -137.49 | -13.21 |
Total Common Equity | 601.71 | 611.57 | 551.7 | 437.5 | 388.31 | 487.85 |
Shareholders' Equity | 618.99 | 628.85 | 568.98 | 454.8 | 405.61 | 505.14 |
Total Liabilities & Equity | 6,507 | 6,274 | 6,117 | 6,161 | 5,797 | 5,521 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Total Debt | 245.77 | 361.06 | 298.02 | 380.84 | 360.2 | 142.32 |
Net Cash (Debt) | -142.89 | -223.19 | -164.56 | -212.89 | -175.18 | -46.88 |
Net Cash Growth | - | - | - | - | - | - |
Net Cash Per Share | -7.13 | -10.98 | -10.49 | -13.76 | -11.32 | -2.94 |
Filing Date Shares Outstanding | 19.52 | 19.63 | 20.08 | 15.41 | 15.38 | 15.53 |
Total Common Shares Outstanding | 19.52 | 19.8 | 20.08 | 15.41 | 15.34 | 15.75 |
Book Value Per Share | 30.82 | 30.89 | 27.48 | 28.40 | 25.31 | 30.98 |
Tangible Book Value | 541.66 | 551.23 | 490.94 | 365 | 314.9 | 413.45 |
Tangible Book Value Per Share | 27.75 | 27.84 | 24.45 | 23.69 | 20.53 | 26.26 |