Financial Institutions, Inc. (FISI)

Financial Institutions Cash Flow 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 Income	74.87	-41.65	50.26	56.57	77.7
Depreciation & Amortization	7.88	7.68	8.09	8.11	8.05
Provision for Credit Losses	11.63	6.15	13.68	13.31	-8.34
Stock-Based Compensation	3.08	1.61	1.67	2.55	1.74
Net Change in Loans Held-for-Sale	-0.35	-0.29	-0.25	6.88	1.05
Other Adjustments	-7.43	69.91	-6.97	-4.53	4.69
Changes in Other Operating Activities	-70.87	33.72	-55.59	50.68	-11.94
Operating Cash Flow	18.8	77.13	10.89	133.57	72.96
Operating Cash Flow Growth	-75.62%	607.98%	-91.84%	83.07%	67.90%
Net Change in Loans Held-for-Investment	-189.55	-25.75	-420.23	-376.25	-90.06
Net Change in Securities and Investments	53.28	-4.48	122.91	69.5	-516
Payments for Business Acquisitions	-	-	-	-	-1.42
Proceeds from Business Divestments	-	27	-	-	-
Capital Expenditures	-5.55	-4.97	-2.99	-8.37	-9.4
Sale of Property, Plant & Equipment	0.1	-	-	-	3.51
Other Investing Activities	1.69	-0.03	-9.78	-10.04	-20.06
Investing Cash Flow	-140.04	-8.23	-310.09	-325.16	-633.42
Net Change in Deposits	101.62	-108.18	283.49	102.33	548.72
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	10	-86	-98	175	24.7
Short-Term Debt Issued	-	-	78	-	-
Net Short-Term Debt Issued (Repaid)	-	-	78	-	-
Long-Term Debt Issued	80	-	50	-	-
Long-Term Debt Repaid	-10	-	-	-	-
Net Long-Term Debt Issued (Repaid)	70	-	50	-	-
Issuance of Common Stock	-	108.57	-	-	-
Repurchase of Common Stock	-11.42	-0.43	-0.57	-15.34	-9.24
Net Common Stock Issued (Repurchased)	-11.42	108.15	-0.57	-15.34	-9.24
Repurchase of Preferred Stock	-	-0.01	-	-	-0.04
Net Preferred Stock Issued (Repurchased)	-	-0.01	-	-	-0.04
Common Dividends Paid	-24.72	-18.52	-18.29	-17.59	-16.99
Preferred Share Dividends Paid	-1.46	-1.46	-1.46	-1.46	-1.46
Other Financing Activities	-1.36	-	-	-	-
Financing Cash Flow	142.67	-106.02	293.17	242.94	545.69
Net Cash Flow	21.43	-37.12	-6.02	51.35	-14.77
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%
FCF Margin	5.68%	65.14%	3.95%	62.50%	30.27%
Free Cash Flow Per Share	0.65	4.60	0.51	8.09	3.99
Levered Free Cash Flow	74.87	-6.68	126.31	105.54	62.95
Unlevered Free Cash Flow	-68.54	36.42	-50.49	50.42	-13.29

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

SEC Filings: 10-K · 10-Q