Financial Institutions, Inc. (FISI)

Financial Institutions Cash Flow Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	78.97	74.87	-41.65	50.26	56.57	77.7
Depreciation & Amortization	7.77	7.88	7.68	8.09	8.11	8.05
Provision for Credit Losses	10.94	11.63	6.15	13.68	13.31	-8.34
Stock-Based Compensation	3.47	3.08	1.61	1.67	2.55	1.74
Net Change in Loans Held-for-Sale	0.1	-0.35	-0.29	-0.25	6.88	1.05
Other Adjustments	-12.72	-7.43	69.91	-6.97	-4.53	4.69
Changes in Other Operating Activities	-61.6	-70.87	33.72	-55.59	50.68	-11.94
Operating Cash Flow	32.49	18.8	77.13	10.89	133.57	72.96
Operating Cash Flow Growth	-56.59%	-75.62%	607.98%	-91.84%	83.07%	67.90%
Net Change in Loans Held-for-Investment	-87.91	-189.55	-25.75	-420.23	-376.25	-90.06
Net Change in Securities and Investments	-155.74	53.28	-4.48	122.91	69.5	-516
Payments for Business Acquisitions	-	-	-	-	-	-1.42
Proceeds from Business Divestments	-	-	27	-	-	-
Capital Expenditures	-5.38	-5.55	-4.97	-2.99	-8.37	-9.4
Sale of Property, Plant & Equipment	-	0.1	-	-	-	3.51
Other Investing Activities	37.67	1.69	-0.03	-9.78	-10.04	-20.06
Investing Cash Flow	-48.54	-140.04	-8.23	-310.09	-325.16	-633.42
Net Change in Deposits	-35.03	101.62	-108.18	283.49	102.33	548.72
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	105	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	-125	-10	-	-	-	-
Net Long-Term Debt Issued (Repaid)	-125	70	-	50	-	-
Issuance of Common Stock	-	-	108.57	-	-	-
Repurchase of Common Stock	-17.07	-11.42	-0.43	-0.57	-15.34	-9.24
Net Common Stock Issued (Repurchased)	-17.07	-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	-19.79	-24.72	-18.52	-18.29	-17.59	-16.99
Preferred Share Dividends Paid	-19.79	-1.46	-1.46	-1.46	-1.46	-1.46
Other Financing Activities	-	-1.36	-	-	-	-
Financing Cash Flow	-65.85	142.67	-106.02	293.17	242.94	545.69
Net Cash Flow	-81.9	21.43	-37.12	-6.02	51.35	-14.77
Free Cash Flow	27.1	13.25	72.15	7.9	125.2	63.56
Free Cash Flow Growth	104.49%	-81.63%	813.10%	-93.69%	96.99%	62.18%
FCF Margin	11.32%	5.68%	65.14%	3.95%	62.50%	30.27%
Free Cash Flow Per Share	1.34	0.65	4.60	0.51	8.09	3.99
Levered Free Cash Flow	-106.69	74.87	-6.68	126.31	105.54	62.95
Unlevered Free Cash Flow	-59.21	-68.54	36.42	-50.49	50.42	-13.29

Updated May 4, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q