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Financial Institutions Inc $FISI

Financials

Russell 2000 New York
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$39.95
+0.76 (+1.94%)
As of Oct 20, 2026, 5:13 PM EDT · cached
Price history
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Financial Institutions Inc (FISI) is trading up at $39.95 (+1.94%), as of the latest quote. It is a Russell 2000 constituent in the Financials sector.

Financial Institutions Inc revenue & net income history (FY2016–FY2025)

RevenueNet incomeNet margin (right axis, %)
$244.9M$101.6M−$41.6MFY2016 revenue: $138.4MFY2016 net income: $31.9M · Net margin 23.1%'16FY2017 revenue: $147.3MFY2017 net income: $33.5M · Net margin 22.8%'17FY2018 revenue: $159.3MFY2018 net income: $39.5M · Net margin 24.8%'18FY2019 revenue: $170.3MFY2019 net income: $48.9M · Net margin 28.7%'19FY2020 revenue: $182.2MFY2020 net income: $38.3M · Net margin 21.0%'20FY2021 revenue: $201.6MFY2021 net income: $77.7M · Net margin 38.5%'21FY2022 revenue: $213.6MFY2022 net income: $56.6M · Net margin 26.5%'22FY2023 revenue: $214.0MFY2023 net income: $50.3M · Net margin 23.5%'23FY2024 revenue: $116.9MFY2024 net income: −$41.6M · Net margin −35.6%'24FY2025 revenue: $244.9MFY2025 net income: $74.9M · Net margin 30.6%'25−17.0%0%25%50%75%100%FY2016 net margin: 23.1%FY2017 net margin: 22.8%FY2018 net margin: 24.8%FY2019 net margin: 28.7%FY2020 net margin: 21.0%FY2021 net margin: 38.5%FY2022 net margin: 26.5%FY2023 net margin: 23.5%FY2024 net margin: −35.6% (off the scale, which stops at −17.0%)FY2025 net margin: 30.6%
Financial Institutions Inc annual financial statements
FY2016Dec 2016FY2017Dec 2017FY2018Dec 2018FY2019Dec 2019FY2020Dec 2020FY2021Dec 2021FY2022Dec 2022FY2023Dec 2023FY2024Dec 2024FY2025Dec 2025
Income statement
Revenue$138.4M$147.3M$159.3M$170.3M$182.2M$201.6M$213.6M$214.0M$116.9M$244.9M
Growth (year over year)+10.2%+6.4%+8.1%+6.9%+7.0%+10.7%+6.0%+0.1%−45.4%+109.5%
Net income$31.9M$33.5M$39.5M$48.9M$38.3M$77.7M$56.6M$50.3M−$41.6M$74.9M
Net margin23.1%22.8%24.8%28.7%21.0%38.5%26.5%23.5%−35.6%30.6%
EPS (diluted)$2.10$2.13$2.39$2.96$2.30$4.78$3.56$3.15−$2.75$3.61
Balance sheet
Cash and equivalents$71.3M$99.2M$102.8M$112.9M$93.9M$79.1M$130.5M$124.4M$87.3M$108.8M
Total assets$3.71B$4.11B$4.31B$4.38B$4.91B$5.52B$5.80B$6.16B$6.12B$6.27B
Total liabilities$3.39B$3.72B$3.92B$3.95B$4.44B$5.02B$5.39B$5.71B$5.55B$5.65B
Long-term debt$39.1M$39.1M$39.2M$39.3M$73.6M$73.9M$74.2M$124.5M$124.8M$193.7M
Shareholders' equity$320.1M$381.2M$396.3M$438.9M$468.4M$505.1M$405.6M$454.8M$569.0M$628.9M
Cash flow
Operating cash flow$46.7M$46.3M$65.1M$57.7M$43.5M$73.0M$133.6M$10.9M$77.1M$18.8M
Capital expenditure$7.62M$7.74M$2.84M$3.64M$4.26M$9.40M$8.37M$2.99M$4.97M$5.55M
Free cash flow$39.1M$38.5M$62.3M$54.1M$39.2M$63.6M$125.2M$7.90M$72.2M$13.3M
Dividends paid$11.5M$12.5M$14.9M$15.8M$16.5M$17.0M$17.6M$18.3M$18.5M$24.7M
Share buybacks—$148.0K$113.0K$293.0K$209.0K$9.23M$15.3M$571.0K$426.0K$11.4M

From Financial Institutions Inc's 10-K and 10-Q filings with the SEC; its fiscal year ends in December. Each period shows the latest figure the company has reported for it, including restatements. Net margin is our own calculation from those reported figures (net income ÷ revenue); it is left blank where revenue is zero or missing. † Quarter derived from the company's year-to-date or full-year totals. Filings on SEC EDGAR →

About Financial Institutions Inc

Headquarters
Warsaw, New York From SEC filings, Oct 2026

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