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
Financial Institutions Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
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 |
Interest Income on Loans | 284.94 | 284.28 | 282.2 | 258.58 | 170.82 | 147.9 |
Interest Income on Investments | 48.77 | 48.71 | 31.03 | 27.55 | 25.29 | 19.31 |
Total Interest Income | 333.71 | 332.99 | 313.23 | 286.13 | 196.11 | 167.21 |
Interest Paid on Deposits | 115.11 | 124.3 | 140.01 | 107.36 | 22.99 | 8.12 |
Interest Paid on Borrowings | 9.25 | 8.71 | 9.63 | 13.06 | 5.74 | 4.36 |
Total Interest Expense | 124.36 | 133 | 149.64 | 120.42 | 28.74 | 12.48 |
Net Interest Income | 209.35 | 199.99 | 163.59 | 165.72 | 167.37 | 154.73 |
Net Interest Income Growth | 17.42% | 22.25% | -1.28% | -0.99% | 8.17% | 11.33% |
Gain (Loss) on Sale of Assets | -0.96 | -0.51 | 13.61 | -0.01 | -0.02 | 0.44 |
Gain (Loss) on Sale of Investments | -0.51 | -1.05 | -100.83 | -3.83 | -0.83 | -0.36 |
Gain (Loss) on Sale of Equity Investments | 0.76 | 1.4 | 2.38 | 1.78 | 1.29 | 2.08 |
Other Non-Interest Income | 41.16 | 40.02 | 33.3 | 45.1 | 38.71 | 36.22 |
Total Non-Interest Income | 45.59 | 44.96 | -46.68 | 48.24 | 46.27 | 46.91 |
Non-Interest Income Growth | - | - | - | 4.26% | -1.35% | 8.64% |
Revenues Before Loan Losses | 254.95 | 244.94 | 116.91 | 213.96 | 213.64 | 201.64 |
Provision for Loan Losses | 11.48 | 11.63 | 6.15 | 13.68 | 13.31 | -8.34 |
| 243.46 | 233.32 | 110.76 | 200.28 | 200.33 | 209.97 | |
Revenue Growth | 137.20% | 110.65% | -44.70% | -0.03% | -4.59% | 35.49% |
Salaries and Employee Benefits | 72.3 | 70.13 | 64.89 | 70.54 | 67.4 | 59.43 |
Occupancy Expenses | 11.97 | 11.89 | 10.82 | 11.31 | 11.81 | 11.14 |
Federal Deposit Insurance | 4.18 | 5.07 | 5.28 | 4.9 | 2.44 | 2.62 |
Amortization of Goodwill & Intangibles | 0.4 | 0.42 | 0.55 | 0.91 | 0.99 | 1.06 |
Selling, General & Administrative | 40.69 | 39.8 | 38.68 | 34 | 32.71 | 28.81 |
Other Non-Interest Expense | 13.78 | 14.27 | 35.29 | 15.23 | 12.08 | 9.29 |
Total Non-Interest Expense | 143.79 | 141.96 | 155.88 | 137.23 | 127.74 | 112.64 |
EBT Excluding Unusual Items | 99.67 | 91.35 | -45.13 | 63.05 | 72.59 | 97.33 |
Legal Settlements | - | - | -23.02 | - | - | - |
Pretax Income | 99.67 | 91.35 | -68.15 | 63.05 | 70.97 | 97.22 |
Income Tax Expense | 17.04 | 16.49 | -26.5 | 12.79 | 14.4 | 19.53 |
Net Income | 82.63 | 74.87 | -41.65 | 50.26 | 56.57 | 77.7 |
Preferred Dividends & Other Adjustments | 1.46 | 1.46 | 1.46 | 1.46 | 1.46 | 1.46 |
Net Income to Common | 81.17 | 73.41 | -43.11 | 48.81 | 55.11 | 76.24 |
Net Income Growth | - | - | - | -11.45% | -27.71% | 106.77% |
Basic Shares Outstanding | 20 | 20 | 16 | 15 | 15 | 16 |
Diluted Shares Outstanding | 20 | 20 | 16 | 15 | 15 | 16 |
Shares Change | 11.78% | 29.55% | 1.34% | 0.03% | -2.92% | -0.78% |
EPS (Basic) | 4.08 | 3.65 | -2.75 | 3.17 | 3.58 | 4.81 |
EPS (Diluted) | 4.03 | 3.61 | -2.75 | 3.15 | 3.56 | 4.78 |
EPS Growth | - | - | - | -11.52% | -25.52% | 107.83% |
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 |
Dividend Per Share | 1.260 | 1.240 | 1.200 | 1.200 | 1.160 | 1.080 |
Dividend Growth | 3.28% | 3.33% | 0% | 3.45% | 7.41% | 3.85% |
Effective Tax Rate | 17.10% | 18.05% | - | 20.28% | 20.29% | 20.08% |