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 Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | 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 |
Net Income | 74.87 | -41.65 | 50.26 | 56.57 | 77.7 |
Depreciation & Amortization | 7.88 | 7.68 | 8.09 | 8.11 | 8.05 |
Gain (Loss) on Sale of Assets | 0.51 | -13.61 | 0.01 | 0.02 | -0.44 |
Gain (Loss) on Sale of Investments | -7.36 | 101.95 | 7.04 | 4.99 | 5.42 |
Provision for Credit Losses | 11.63 | 6.15 | 13.68 | 13.31 | -8.34 |
Net Decrease (Increase) in Loans Originated / Sold - Operating | -0.35 | -0.29 | -0.25 | 6.88 | 1.05 |
Change in Other Net Operating Assets | -70.87 | 33.72 | -55.59 | 50.68 | -11.94 |
Other Operating Activities | 0.17 | -17.81 | -13.45 | -9.92 | 2.27 |
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% |
Investing Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | 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 |
Capital Expenditures | -5.55 | -4.97 | -2.99 | -8.37 | -9.4 |
Sale of Property, Plant and Equipment | 0.1 | - | - | - | - |
Cash Acquisitions | - | - | - | - | -1.42 |
Investment in Securities | 53.28 | -4.48 | 122.91 | 69.5 | -516 |
Divestitures | - | 27 | - | - | - |
Net Decrease (Increase) in Loans Originated / Sold - Investing | -189.55 | -25.75 | -420.23 | -376.25 | -90.06 |
Other Investing Activities | 1.69 | -0.03 | -9.78 | -10.04 | -16.55 |
Investing Cash Flow | -140.04 | -8.23 | -310.09 | -325.16 | -633.42 |
Financing Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | 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 |
Short-Term Debt Issued | 10 | - | 78 | 175 | 24.7 |
Long-Term Debt Issued | 80 | - | 50 | - | - |
Total Debt Issued | 90 | - | 128 | 175 | 24.7 |
Short-Term Debt Repaid | - | -86 | -98 | - | - |
Long-Term Debt Repaid | -10 | - | - | - | - |
Total Debt Repaid | -10 | -86 | -98 | - | - |
Net Debt Issued (Repaid) | 80 | -86 | 30 | 175 | 24.7 |
Issuance of Common Stock | - | 108.57 | - | - | - |
Repurchase of Common Stock | -11.42 | -0.43 | -0.57 | -15.34 | -9.24 |
Preferred Share Repurchases | - | -0.01 | - | - | -0.04 |
Common Dividends Paid | -24.72 | -18.52 | -18.29 | -17.59 | -16.99 |
Preferred Dividends Paid | -1.46 | -1.46 | -1.46 | -1.46 | -1.46 |
Total Dividends Paid | -26.17 | -19.97 | -19.75 | -19.05 | -18.45 |
Net Increase (Decrease) in Deposit Accounts | 101.62 | -108.18 | 283.49 | 102.33 | 548.72 |
Other Financing Activities | -1.36 | - | - | - | - |
Financing Cash Flow | 142.67 | -106.02 | 293.17 | 242.94 | 545.69 |
Net Cash Flow
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | 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 |
Net Cash Flow | 21.43 | -37.12 | -6.02 | 51.35 | -14.77 |
Free Cash Flow
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | 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 |
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 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 |