Financial Institutions, Inc. financials
Source: EDGAR filings · Built 2026-06-02T03:02:19Z
Key metrics by reporting period
Up to six most-recent periods side-by-side. Rows are the curated key lines — revenue, margins, cash, debt, equity, cash-flow totals, plus the derived and valuation metrics we compute on top. For every tag a filer reported in one period, use the single-filing drilldown below.
Derived Metrics
| Concept | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Free Cash Flow | 13.25M | 72.15M | 7.90M | 125.20M | 63.56M | 39.19M |
| Net Debt | 225.48M | 169.28M | 218.88M | — | — | — |
| Return on Equity (ROE) | 11.91% | -7.32% | 11.05% | 13.95% | 15.38% | 8.18% |
| Return on Assets (ROA) | 1.19% | -0.68% | 0.82% | 0.98% | 1.41% | 0.78% |
| Debt-to-Equity | 0.53× | 0.45× | 0.75× | 0.77× | 0.25× | 0.21× |
| Effective Tax Rate | 18.05% | 38.89% | 20.28% | 20.29% | 20.08% | 16.16% |
| Cash Conversion Ratio | 0.25× | -1.85× | 0.22× | 2.36× | 0.94× | 1.13× |
| Accruals Ratio | 0.01× | -0.02× | 0.01× | -0.01× | 0.00× | -0.00× |
| CapEx Coverage | 3.39× | 15.51× | 3.64× | 15.96× | 7.76× | 10.19× |
| Free Cash Flow Per Share | $0.65 | $4.60 | $0.51 | $8.09 | $3.99 | $2.44 |
Valuation Metrics
| Concept | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| P/E Trailing (Diluted) | 8.63× | — | 6.76× | 6.84× | 6.65× | 9.78× |
| P/FCF | 47.78× | 5.93× | 41.72× | 3.01× | 7.97× | 9.22× |
| FCF Yield | 2.09% | 16.86% | 2.40% | 33.22% | 12.54% | 10.84% |
| P/B | 1.05× | 1.02× | 0.78× | 1.01× | 1.05× | 0.80× |
Income Statement
| Concept | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Income Tax Expense (Benefit) | 16.49M | -26.50M | 12.79M | 14.40M | 19.52M | 7.39M |
| Net Income (Loss) Attributable to Parent | 74.87M | -41.65M | 50.26M | 56.57M | 77.70M | 38.33M |
| Earnings Per Share, Basic | $3.65 | $-2.75 | $3.17 | $3.58 | $4.81 | $2.30 |
| Weighted Average Number of Shares Outstanding, Basic | 20.10M | 15.68M | 15.38M | 15.38M | 15.84M | 16.02M |
| Earnings Per Share, Diluted | $3.61 | $-2.75 | $3.15 | $3.56 | $4.78 | $2.30 |
| Weighted Average Number of Shares Outstanding, Diluted | 20.32M | 15.68M | 15.47M | 15.47M | 15.94M | 16.06M |
Balance Sheet
| Concept | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash and Cash Equivalents, at Carrying Value | 108.75M | 87.32M | 124.44M | — | — | — |
| Assets | 6.27B | 6.12B | 6.16B | 5.80B | 5.52B | 4.91B |
| Long-term Debt | 193.65M | 124.84M | 124.53M | 74.22M | 73.91M | 73.62M |
| Liabilities | 5.65B | 5.55B | 5.71B | 5.39B | 5.02B | 4.44B |
| Stockholders' Equity Attributable to Parent | 628.85M | 568.98M | 454.80M | 405.61M | 505.14M | 468.36M |
| Common Stock, Shares, Outstanding | — | — | — | — | 16.10M | 16.10M |
Cash Flow Statement
| Concept | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Net Cash Provided by (Used in) Operating Activities | 18.80M | 77.13M | 10.89M | 133.57M | 72.96M | 43.45M |
| Payments to Acquire Property, Plant, and Equipment | 5.55M | 4.97M | 2.99M | 8.37M | 9.40M | 4.26M |
| Net Cash Provided by (Used in) Investing Activities | -140.04M | -8.23M | -310.09M | -325.16M | -633.42M | -531.07M |
| Payments for Repurchase of Common Stock | 11.42M | 426.00K | 571.00K | 15.34M | 9.23M | 209.00K |
| Net Cash Provided by (Used in) Financing Activities | 142.67M | -106.02M | 293.17M | 242.94M | 545.69M | 468.55M |
Derived Metrics
| Concept | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|---|---|
| Free Cash Flow | 23.04M | 19.28M | -6.03M | 1.87M | 9.19M | 26.61M |
| Net Debt | 139.19M | 225.48M | 16.20M | 155.12M | 45.20M | 169.28M |
| Return on Equity (ROE) | 3.32% | 3.18% | 3.29% | 2.91% | 2.86% | -14.55% |
| Return on Assets (ROA) | 0.33% | 0.32% | 0.33% | 0.29% | 0.27% | -1.35% |
| Debt-to-Equity | 0.36× | 0.53× | 0.33× | 0.41× | 0.36× | 0.45× |
| Effective Tax Rate | 15.49% | 16.74% | 18.86% | 18.44% | 18.16% | 28.16% |
| Cash Conversion Ratio | 1.13× | 1.07× | -0.13× | 0.24× | 0.59× | -0.33× |
| Accruals Ratio | -0.00× | -0.00× | 0.00× | 0.00× | 0.00× | -0.02× |
| CapEx Coverage | 36.44× | 10.09× | -0.76× | 1.77× | 12.26× | 67.04× |
| Free Cash Flow Per Share | $1.16 | $0.95 | $-0.30 | $0.09 | $0.45 | $1.70 |
Valuation Metrics
| Concept | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|---|---|
| P/E Trailing (Diluted) | 8.26× | 8.63× | — | — | — | — |
| P/B | 1.07× | 1.05× | 0.93× | 0.91× | 0.90× | 1.02× |
Income Statement
| Concept | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|---|---|
| Income Tax Expense (Benefit) | 3.85M | 4.02M | 4.76M | 3.96M | 3.75M | -32.46M |
| Net Income (Loss) Attributable to Parent | 20.98M | 19.98M | 20.48M | 17.53M | 16.88M | -82.81M |
| Earnings Per Share, Basic | $1.05 | $0.97 | $1.00 | $0.85 | $0.82 | $-5.35 |
| Weighted Average Number of Shares Outstanding, Basic | 19.64M | 20.10M | 20.12M | 20.11M | 20.07M | 15.68M |
| Earnings Per Share, Diluted | $1.04 | $0.96 | $0.99 | $0.85 | $0.81 | $-5.32 |
| Weighted Average Number of Shares Outstanding, Diluted | 19.92M | 20.32M | 20.34M | 20.29M | 20.29M | 15.68M |
Balance Sheet
| Concept | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|---|---|
| Cash and Cash Equivalents, at Carrying Value | 85.45M | 108.75M | 185.94M | 93.03M | 167.35M | 87.32M |
| Assets | 6.29B | 6.27B | 6.29B | 6.14B | 6.34B | 6.12B |
| Long-term Debt | 78.62M | 193.65M | 115.00M | 114.96M | 124.92M | 124.84M |
| Liabilities | 5.66B | 5.65B | 5.67B | 5.54B | 5.75B | 5.55B |
| Stockholders' Equity Attributable to Parent | 631.67M | 628.85M | 621.72M | 601.67M | 589.93M | 568.98M |
Cash Flow Statement
| Concept | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|---|---|
| Net Cash Provided by (Used in) Operating Activities | 23.69M | 21.40M | -2.60M | 4.28M | 10.01M | 27.02M |
| Payments to Acquire Property, Plant, and Equipment | 650.00K | 2.12M | 3.43M | 2.41M | 816.00K | 403.00K |
| Net Cash Provided by (Used in) Investing Activities | -55.79M | -62.27M | -77.77M | -28.40M | -147.29M | -134.95M |
| Payments for Repurchase of Common Stock | 6.13M | 10.90M | 515.00K | 481.00K | 481.00K | 4.00K |
| Payments of Dividends | 6.60M | — | 19.57M | 12.97M | 6.38M | — |
| Net Cash Provided by (Used in) Financing Activities | 8.80M | -36.33M | 178.99M | 29.83M | 217.31M | -54.31M |
Raw XBRL tagging for a single filing
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Methodology
All facts on this page come straight from SEC EDGAR XBRL
company-facts filings (FISI CIK 0000862831),
grouped by financial statement using FASB's base
us-gaap presentation taxonomy. Filers may re-parent
concepts onto different statements in their own extension
taxonomy, so a handful of rows can show up under a different
statement than on the actual 10-K / 10-Q; custom concepts and
any we couldn't map fall into Other. Hover a
cell to see the fully-qualified concept name and the filer's
description.
For the full methodology — statement grouping, the Other bucket, derived metrics, and fact tooltips — see the methodology reference for the statement grouping, the "Other" bucket, derived metrics, and fact tooltips.