stockportfolio.pro
Financial Institutions, Inc. (FISI)
Financial Services · Banks - Regional · NasdaqGS
Financial Institutions, Inc. revenue & earnings — last 10 fiscal years
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $0 | $0 | $0 | $0 | $0 | $0 | $212.35M | $212.18M | $114.53M | $243.54M |
| Gross profit | — | — | — | — | — | — | — | — | — | — |
| Net income | $31.93M | $33.53M | $39.53M | $48.86M | $38.33M | $77.70M | $56.57M | $50.26M | $-41.65M | $74.87M |
| Net margin | — | — | — | — | — | — | 26.6% | 23.7% | -36.4% | 30.7% |
Source: Financial Institutions, Inc. SEC filings (10-K). 17 years of history available in the interactive view.
What growth is priced into FISI stock?
At today's market cap of $737.65M, Financial Institutions, Inc. is priced for free-cash-flow growth of about 21.7% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $13.25M from the FY ending 2025-12-31). For comparison, free cash flow actually grew -19.5%/yr over the last five fiscal years, computed from its SEC filings. This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 17 years of Financial Institutions, Inc. financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
Open the interactive view — freeOr start a 7-day free trial to track FISI in your portfolio →
Financial Institutions, Inc. financial history by metric
About Financial Institutions, Inc.
Financial Institutions, Inc., through its subsidiaries, provides banking and financial services to consumer, commercial, and municipal customers in New York. The company provides checking and savings account programs, including money market accounts, certificates of deposit, sweep investments, and individual retirement and other qualified plan accounts, as well as NOW accounts. It also offers commercial loan products including term loans and lines of credit; short and medium-term commercial loans for working capital, business expansion, and purchase of equipment; commercial business loans; commercial mortgage loans; one-to-four family residential mortgage loans; home improvement loans, closed-end home equity loans, and home equity lines of credit; and consumer loans, such as automobile, secured installment, and other secured and unsecured personal loans, as well as recreational vehicle, boat, personal loans, and deposit account collateralized loans. In addition, it offers investment advisory, wealth management, investment consulting, and retirement plan services, as well as operates a real estate investment trust that holds residential mortgages and commercial real estate loans. Financial Institutions, Inc. was founded in 1817 and is headquartered in Warsaw, New York.
Financial Institutions, Inc. — frequently asked questions
What is Financial Institutions, Inc.'s revenue?
Financial Institutions, Inc. (FISI) reported revenue of $243.54M for fiscal year 2025, up 112.6% from the prior year, according to its SEC filings.
Is Financial Institutions, Inc. profitable?
Yes. FISI earned net income of $74.87M in fiscal 2025, a net margin of 30.7%.
What is FISI's P/E ratio?
Financial Institutions, Inc. trades at a price-to-earnings ratio of about 9.8 based on the latest data in our nightly-refreshed cache.
How much debt does Financial Institutions, Inc. have?
As of fiscal year 2025, FISI carried roughly $302.65M in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is Financial Institutions, Inc.'s market cap?
Financial Institutions, Inc. (FISI) has a market capitalization of about $737.65M, based on the latest data in our nightly-refreshed cache.
When does Financial Institutions, Inc.'s fiscal year end?
FISI's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into FISI stock?
At today's market cap of $737.65M, Financial Institutions, Inc. is priced for free-cash-flow growth of about 21.7% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $13.25M from the FY ending 2025-12-31). For comparison, free cash flow actually grew -19.5%/yr over the last five fiscal years, computed from its SEC filings.
Where does this data come from?
All figures are computed from Financial Institutions, Inc.'s official SEC filings (10-K and 10-Q), covering 17 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.