Financial Institutions, Inc. (FISI)
NASDAQ: FISI · Real-Time Price · USD
40.84
+0.80 (2.00%)
Sep 2, 2026, 4:00 PM EDT - Market closed
[Name] Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 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 |
Net Income | 82.63 | 74.87 | -41.65 | 50.26 | 56.57 | 77.7 |
Depreciation & Amortization | 7.74 | 7.88 | 7.68 | 8.09 | 8.11 | 8.05 |
Gain (Loss) on Sale of Assets | 0.96 | 0.51 | -13.61 | 0.01 | 0.02 | -0.44 |
Gain (Loss) on Sale of Investments | -9.68 | -7.36 | 101.95 | 7.04 | 4.99 | 5.42 |
Provision for Credit Losses | 11.48 | 11.63 | 6.15 | 13.68 | 13.31 | -8.34 |
Net Decrease (Increase) in Loans Originated / Sold - Operating | 0.64 | -0.35 | -0.29 | -0.25 | 6.88 | 1.05 |
Change in Other Net Operating Assets | -39.01 | -70.87 | 33.72 | -55.59 | 50.68 | -11.94 |
Other Operating Activities | 3.11 | 0.17 | -17.81 | -13.45 | -9.92 | 2.27 |
Operating Cash Flow | 60.87 | 18.8 | 77.13 | 10.89 | 133.57 | 72.96 |
Operating Cash Flow Growth | 82.01% | -75.62% | 607.98% | -91.84% | 83.07% | 67.90% |
Investing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 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 |
Capital Expenditures | -4.63 | -5.55 | -4.97 | -2.99 | -8.37 | -9.4 |
Sale of Property, Plant and Equipment | 0.1 | 0.1 | - | - | - | - |
Cash Acquisitions | - | - | - | - | - | -1.42 |
Investment in Securities | 32.5 | 53.28 | -4.48 | 122.91 | 69.5 | -516 |
Divestitures | - | - | 27 | - | - | - |
Net Decrease (Increase) in Loans Originated / Sold - Investing | -227.81 | -189.55 | -25.75 | -420.23 | -376.25 | -90.06 |
Other Investing Activities | 0.61 | 1.69 | -0.03 | -9.78 | -10.04 | -16.55 |
Investing Cash Flow | -199.24 | -140.04 | -8.23 | -310.09 | -325.16 | -633.42 |
Financing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 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 |
Short-Term Debt Issued | - | 10 | - | 78 | 175 | 24.7 |
Long-Term Debt Issued | - | 80 | - | 50 | - | - |
Total Debt Issued | 161 | 90 | - | 128 | 175 | 24.7 |
Short-Term Debt Repaid | - | - | -86 | -98 | - | - |
Long-Term Debt Repaid | - | -10 | - | - | - | - |
Total Debt Repaid | -115 | -10 | -86 | -98 | - | - |
Net Debt Issued (Repaid) | 46 | 80 | -86 | 30 | 175 | 24.7 |
Issuance of Common Stock | - | - | 108.57 | - | - | - |
Repurchase of Common Stock | -17.13 | -11.42 | -0.43 | -0.57 | -15.34 | -9.24 |
Preferred Share Repurchases | - | - | -0.01 | - | - | -0.04 |
Common Dividends Paid | -24.72 | -24.72 | -18.52 | -18.29 | -17.59 | -16.99 |
Preferred Dividends Paid | -1.46 | -1.46 | -1.46 | -1.46 | -1.46 | -1.46 |
Total Dividends Paid | -26.45 | -26.17 | -19.97 | -19.75 | -19.05 | -18.45 |
Net Increase (Decrease) in Deposit Accounts | 143.45 | 101.62 | -108.18 | 283.49 | 102.33 | 548.72 |
Other Financing Activities | -1.36 | -1.36 | - | - | - | - |
Financing Cash Flow | 144.51 | 142.67 | -106.02 | 293.17 | 242.94 | 545.69 |
Net Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 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 |
Net Cash Flow | 6.14 | 21.43 | -37.12 | -6.02 | 51.35 | -14.77 |
Free Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 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 |
Free Cash Flow | 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% |
Free Cash Flow Margin | 23.10% | 5.68% | 65.14% | 3.95% | 62.50% | 30.27% |
Free Cash Flow Per Share | 2.79 | 0.65 | 4.60 | 0.51 | 8.09 | 3.99 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 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 Interest Paid | 117.41 | 128.58 | 156.09 | 133.85 | 32.57 | 14.71 |
Cash Income Tax Paid | - | -0.02 | 3.49 | 6.3 | 3.4 | 10.83 |