Financial Institutions, Inc. (FISI)

Financial Institutions Cash Flow Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	-34.94	-41.65	50.26	56.57	77.7	38.33
Depreciation & Amortization	7.61	7.68	8.09	8.11	8.05	7.89
Gain (Loss) on Sale of Assets	-0.16	-13.66	-	-	-0.44	0.06
Gain (Loss) on Sale of Investments	98.26	101.95	7.04	4.99	5.42	1.88
Total Asset Writedown	0.04	0.04	0.01	0.02	-	-
Provision for Credit Losses	15.06	6.15	13.68	13.31	-8.34	27.18
Net Decrease (Increase) in Loans Originated / Sold - Operating	0.41	-0.29	-0.25	6.88	1.05	3.78
Change in Other Net Operating Assets	-31.52	33.69	-55.7	50.68	-11.94	-26.92
Other Operating Activities	-22.44	-17.81	-13.45	-9.92	2.27	-6.43
Operating Cash Flow	33.44	77.13	10.89	133.57	72.96	43.46
Operating Cash Flow Growth	-24.07%	607.98%	-91.84%	83.07%	67.90%	-24.70%
Capital Expenditures	-5.26	-4.97	-2.99	-8.37	-9.4	-4.26
Cash Acquisitions	-	-	-	-	-1.42	-
Investment in Securities	6.1	-4.48	122.91	69.5	-516	-106.34
Divestitures	-	27	-	-	-	-
Net Decrease (Increase) in Loans Originated / Sold - Investing	-85.4	-25.75	-420.23	-376.25	-90.06	-390.93
Other Investing Activities	1.04	-0.03	-9.78	-10.04	-16.55	-29.53
Investing Cash Flow	-83.53	-8.23	-310.09	-325.16	-633.42	-531.07
Short-Term Debt Issued	-	-	-	175	24.7	-
Long-Term Debt Issued	-	-	50	-	-	35
Total Debt Issued	-15	-	50	175	24.7	35
Short-Term Debt Repaid	-	-86	-20	-	-	-270.2
Total Debt Repaid	-96	-86	-20	-	-	-270.2
Net Debt Issued (Repaid)	-111	-86	30	175	24.7	-235.2
Issuance of Common Stock	108.57	108.57	-	-	-	-
Repurchase of Common Stock	-0.51	-0.43	-0.57	-15.34	-9.24	-0.21
Preferred Share Repurchases	-0.01	-0.01	-	-	-0.04	-
Common Dividends Paid	-18.52	-18.52	-18.29	-17.59	-16.99	-16.5
Preferred Dividends Paid	-1.46	-1.46	-1.46	-1.46	-1.46	-1.46
Total Dividends Paid	-22.98	-19.97	-19.75	-19.05	-18.45	-17.96
Net Increase (Decrease) in Deposit Accounts	22.69	-108.18	283.49	102.33	548.72	722.69
Other Financing Activities	-	-	-	-	-	-0.78
Financing Cash Flow	-3.23	-106.02	293.17	242.94	545.69	468.55
Net Cash Flow	-53.31	-37.12	-6.02	51.35	-14.77	-19.07
Free Cash Flow	28.18	72.15	7.9	125.2	63.56	39.19
Free Cash Flow Growth	-29.82%	813.10%	-93.69%	96.99%	62.18%	-27.52%
Free Cash Flow Margin	27.46%	65.14%	3.95%	62.50%	30.27%	25.29%
Free Cash Flow Per Share	1.56	4.60	0.51	8.09	3.99	2.44
Cash Interest Paid	137.9	156.09	133.85	32.57	14.71	28.88
Cash Income Tax Paid	0.39	3.49	6.3	3.4	10.83	7.46

Updated May 5, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q