Financial Institutions Inc
FISI Nasdaq· National Commercial Banks
Last close · Oct 26, 2026
$40.81
KIRA · Stoqly’s AI analyst, in plain words
- Financial Institutions Inc had $245M of revenue in fiscal 2025, up 109.5% on the year before. Over five years, revenue changed +6.1% a year on average.
- Financial Institutions Inc made $74.9M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 6.2% a year.
- Financial Institutions Inc returned $36.1M to shareholders in fiscal 2025, 273% of free cash flow. The diluted share count rose 29.6%.
- It earned 12.5% on shareholders’ money. Running costs took 58.0% of revenue (the efficiency ratio; lower is better).
Market cap
$814M
P/E
10.1x
Revenue
$245M
Net income
$74.9M
Return on equity
12.5%
Efficiency ratio
58.0%
Financial Institutions Inc in 30 seconds · fiscal 2025
Are sales growing?
+109.5%
Yes. Sales grew 109.5% last year.
Does it make a profit?
30.6%
Yes. It keeps 30.6% of every sale as profit.
How lean are its costs?
58.0%
Average. Running costs take 58.0% of revenue.
How much does it earn on its capital?
12.5%
Good. It earns 12.5% a year on shareholders’ money.
How is the share priced?
10.1x
One share costs 10.1 times its yearly profit per share.
What Financial Institutions Inc does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 9, 2026
- Legal name
- FINANCIAL INSTITUTIONS INC
- CIK
- 0000862831
Financial Institutions Inc · FISI
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $202M | $214M | $214M | $117M | $245M |
| Revenue growth | 10.7% | 6.0% | 0.1% | −45.4% | 109.5% |
| Net interest income | $155M | $167M | $166M | $164M | $200M |
| Net income | $77.7M | $56.6M | $50.3M | −$41.6M | $74.9M |
| Net margin | 38.5% | 26.5% | 23.5% | −35.6% | 30.6% |
| Diluted EPS | $4.78 | $3.56 | $3.15 | −$2.75 | $3.61 |
| Cash | |||||
| Cash from operations | $73.0M | $134M | $10.9M | $77.1M | $18.8M |
| Capital expenditure | $9.4M | $8.4M | $3.0M | $5.0M | $5.5M |
| Free cash flow | $63.6M | $125M | $7.9M | $72.2M | $13.3M |
| FCF margin | 31.5% | 58.6% | 3.7% | 61.7% | 5.4% |
| Dividends paid | $17.0M | $17.6M | $18.3M | $18.5M | $24.7M |
| Share buybacks | $9.2M | $15.3M | $0.6M | $0.4M | $11.4M |
| Share count change | −0.8% | −2.9% | 0.0% | 1.3% | 29.6% |
| Debt and strength | |||||
| Cash and short-term investments | — | — | $124M | $87.3M | $109M |
| Debt incl. finance leases | $104M | $279M | $310M | $224M | $303M |
| Loans, net | $3.6B | $4.0B | $4.4B | — | — |
| Deposits | $4.8B | $4.9B | $5.2B | $5.1B | $5.2B |
| Shareholders' equity | $505M | $406M | $455M | $569M | $629M |
| Returns and quality | |||||
| Return on equity | 16.0% | 12.4% | 11.7% | −8.1% | 12.5% |
| Return on tangible equity | 17.7% | 16.6% | 12.8% | −8.5% | 12.9% |
| Efficiency ratio | 55.9% | 60.6% | 64.1% | 153.0% | 58.0% |
| Piotroski F-score | 4 | 5 | 2 | 3 | 4 |
Insiders bought, 12 months
$0.0M
2 insiders
Insiders sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Financial Institutions Inc · FISI
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $40.81 a share, the company is worth $814M: 10.1 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000862831). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.