InsiderClue
Stocks · Financials · National Commercial Banks

FINANCIAL INSTITUTIONS INC

FISI Clue Score48
United States Fiscal year ends December CIK 0000862831
$38.45 -1.54% Close, 9 Oct 2026
Alert on the numbers Alert on insider trades
Price $38.45 +23.24% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
Net income
Fiscal year 2016Net income31.9EPS, diluted2.10Fiscal year 2017Net income33.5 +5.0%EPS, diluted2.13 +1.4%Fiscal year 2018Net income39.5 +17.9%EPS, diluted2.39 +12.2%Fiscal year 2019Net income48.9 +23.6%EPS, diluted2.96 +23.8%Fiscal year 2020Net income38.3 −21.6%EPS, diluted2.30 −22.3%Fiscal year 2021Net income77.7 +102.7%EPS, diluted4.78 +107.8%Fiscal year 2022Net income56.6 −27.2%EPS, diluted3.56 −25.5%Fiscal year 2023Net income50.3 −11.2%EPS, diluted3.15 −11.5%Fiscal year 2024Net income−41.6 −182.9%EPS, diluted−2.75 −187.3%Fiscal year 2025Net income74.9EPS, diluted3.61
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net income 31.9 33.5 39.5 48.9 38.3 77.7 56.6 50.3 −41.6 74.9
Growth +5.0% +17.9% +23.6% −21.6% +102.7% −27.2% −11.2% −182.9%
EPS, diluted 2.10 2.13 2.39 2.96 2.30 4.78 3.56 3.15 −2.75 3.61
Growth +1.4% +12.2% +23.8% −22.3% +107.8% −25.5% −11.5% −187.3%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow46.7Capital expenditure−7.6Free cash flow39.1Dividends paid−11.5Fiscal year 2017Operating cash flow46.3Capital expenditure−7.7Free cash flow38.5 −1.4%Buybacks−0.1Dividends paid−12.5Fiscal year 2018Operating cash flow65.1Capital expenditure−2.8Free cash flow62.3 +61.6%Buybacks−0.1Dividends paid−14.9Fiscal year 2019Operating cash flow57.7Capital expenditure−3.6Free cash flow54.1 −13.2%Buybacks−0.3Dividends paid−15.8Fiscal year 2020Operating cash flow43.5Capital expenditure−4.3Free cash flow39.2 −27.5%Buybacks−0.2Dividends paid−16.5Fiscal year 2021Operating cash flow73.0Capital expenditure−9.4Free cash flow63.6 +62.2%Buybacks−9.2Dividends paid−17.0Fiscal year 2022Operating cash flow133.6Capital expenditure−8.4Free cash flow125.2 +97.0%Buybacks−15.3Dividends paid−17.6Fiscal year 2023Operating cash flow10.9Capital expenditure−3.0Free cash flow7.9 −93.7%Buybacks−0.6Dividends paid−18.3Fiscal year 2024Operating cash flow77.1Capital expenditure−5.0Free cash flow72.2 +813.1%Buybacks−0.4Dividends paid−18.5Fiscal year 2025Operating cash flow18.8Capital expenditure−5.5Free cash flow13.3 −81.6%Buybacks−11.4Dividends paid−24.7
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 46.7 46.3 65.1 57.7 43.5 73.0 133.6 10.9 77.1 18.8
Capital expenditure −7.6 −7.7 −2.8 −3.6 −4.3 −9.4 −8.4 −3.0 −5.0 −5.5
Free cash flow 39.1 38.5 62.3 54.1 39.2 63.6 125.2 7.9 72.2 13.3
Growth −1.4% +61.6% −13.2% −27.5% +62.2% +97.0% −93.7% +813.1% −81.6%
Buybacks n/a −0.1 −0.1 −0.3 −0.2 −9.2 −15.3 −0.6 −0.4 −11.4
Dividends paid −11.5 −12.5 −14.9 −15.8 −16.5 −17.0 −17.6 −18.3 −18.5 −24.7

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Total debt39.1Shareholders’ equity320.1Debt to equity0.12Fiscal year 2017Total debt39.1Shareholders’ equity381.2Debt to equity0.10Fiscal year 2018Total debt39.2Shareholders’ equity396.3Debt to equity0.10Fiscal year 2019Total debt39.3Shareholders’ equity438.9Debt to equity0.09Fiscal year 2020Total debt73.6Shareholders’ equity468.4Debt to equity0.16Fiscal year 2021Total debt73.9Shareholders’ equity505.1Debt to equity0.15Fiscal year 2022Total debt74.2Shareholders’ equity405.6Debt to equity0.18Fiscal year 2023Cash124.4Total debt124.5Net cash (debt)−0.1Shareholders’ equity454.8Debt to equity0.27Fiscal year 2024Cash87.3Total debt124.8Net cash (debt)−37.5Shareholders’ equity569.0Debt to equity0.22Fiscal year 2025Cash108.8Total debt193.7Net cash (debt)−84.9Shareholders’ equity628.9Debt to equity0.31
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash n/a n/a n/a n/a n/a n/a n/a 124.4 87.3 108.8
Total debt 39.1 39.1 39.2 39.3 73.6 73.9 74.2 124.5 124.8 193.7
Net cash (debt) n/a n/a n/a n/a n/a n/a n/a −0.1 −37.5 −84.9
Shareholders’ equity 320.1 381.2 396.3 438.9 468.4 505.1 405.6 454.8 569.0 628.9
Debt to equity 0.12 0.10 0.10 0.09 0.16 0.15 0.18 0.27 0.22 0.31

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Cash flow

In millions of USD, except per-share figures; shares in millions. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Operations
46.7 46.3 65.1 57.7 43.5 73.0 133.6 10.9 77.1 18.8
Growth −0.9% +40.8% −11.4% −24.7% +67.9% +83.1% −91.8% +608.0% −75.6%
Investment
−7.6 −7.7 −2.8 −3.6 −4.3 −9.4 −8.4 −3.0 −5.0 −5.5
calc 39.1 38.5 62.3 54.1 39.2 63.6 125.2 7.9 72.2 13.3
Growth −1.4% +61.6% −13.2% −27.5% +62.2% +97.0% −93.7% +813.1% −81.6%
calc 2.70 2.55 3.90 3.37 2.44 3.99 8.09 0.51 4.60 0.65
−326.7 −372.6 −225.4 −24.7 −531.1 −633.4 −325.2 −310.1 −8.2 −140.0
Financing
291.1 354.3 163.8 −22.8 468.5 545.7 242.9 293.2 −106.0 142.7
−11.5 −12.5 −14.9 −15.8 −16.5 −17.0 −17.6 −18.3 −18.5 −24.7
n/a −0.1 −0.1 −0.3 −0.2 −9.2 −15.3 −0.6 −0.4 −11.4

Lines marked calc are worked out here from filed figures; point at one for how. Capital expenditure, dividends and buybacks are shown as money out, so negative.