FISI
FINANCIAL INSTITUTIONS INCCompany Information
- Company Name
- FINANCIAL INSTITUTIONS INC
- CIK
- CIK0000862831
- Category
- Accelerated filer
- Ticker: Exchange
- FISI: Nasdaq, FIISO: OTC, FIISP: OTC
- Fiscal Year End
- December 31
- Owner Organization
- 02 Finance
- SIC
- 6021
- SIC Description
- National Commercial Banks
- Ticker
- FISI
SEC filing data through
Insider Sentiment
- Last purchase
- 2026-09-02
- Last sale
- —
- Shares purchased (TTM)
- 1,268
- Shares sold (TTM)
- 0
Institutional Sentiment
- As of
- 2026-06-30
- Institutional shares owned
- 15,021,649
- Shares outstanding
- 20,699,556
- Ownership
- 72.57%
Earnings Market Reaction
- Filing date
- 2026-08-03
- Price on filing date
- —
- 1-month reaction
- -3.83%
- 3-month reaction
- Pending
Balance Sheet
Values in millions ($)| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Trend |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash And Due From Banks | 60 | 56 | 57 | 89 | 72 | 74 | 55 | 250 | 146 | 237 | 71 | 192 | ||||||
| Interest Bearing Deposits In Banks | 40 | 29 | 52 | 97 | 21 | 93 | 32 | - | - | - | 53 | - | ||||||
| Cash And Cash Equivalents At Carrying Value | 99 | 85 | 109 | 186 | 93 | 167 | 87 | - | - | - | 124 | - | ||||||
| Available For Sale Securities Debt Securities | 910 | 1,004 | 922 | 924 | 916 | 927 | 911 | 887 | 872 | 924 | 888 | 854 | ||||||
| Loans Receivable Held For Sale Net Not Part Of Disposal Group | 3 | 1 | 3 | 2 | 2 | 0 | 2 | 2 | 2 | 1 | 1 | 2 | ||||||
| Loans And Leases Receivable Net Reported Amount | - | - | - | - | - | - | - | - | - | 4,399 | 4,411 | 4,382 | ||||||
| Notes Receivable Net | 4,705 | 4,583 | 4,610 | 4,543 | 4,489 | 4,504 | 4,431 | 4,358 | 4,418 | - | 4,411 | - | ||||||
| Bank Owned Life Insurance | 182 | 179 | 176 | 174 | 172 | 243 | 167 | 165 | 164 | 163 | 161 | 142 | ||||||
| Property Plant And Equipment Net | 38 | 38 | 40 | 39 | 40 | 39 | 40 | 41 | 40 | 40 | 40 | 40 | ||||||
| Intangible Assets Net Including Goodwill | - | - | - | 60 | 61 | 61 | 61 | 61 | 61 | 72 | 73 | 73 | ||||||
| Goodwill | 58 | 58 | 58 | - | - | - | 58 | - | - | - | - | - | ||||||
| Other Intangible Assets Net | 2 | 2 | 2 | - | - | - | 3 | - | - | - | - | - | ||||||
| Other Assets | 258 | 262 | 268 | 272 | 280 | 286 | 302 | 271 | 301 | 320 | 314 | 301 | ||||||
| Assets | 6,335 | 6,295 | 6,274 | 6,288 | 6,144 | 6,340 | 6,117 | 6,156 | 6,132 | 6,299 | 6,161 | 6,140 | ||||||
Deposits | ||||||||||||||||||
| Noninterest Bearing Deposit Liabilities | 951 | 953 | 963 | 959 | 940 | 945 | 950 | 979 | 939 | 973 | 1,011 | 1,035 | ||||||
| Interest Bearing Deposit Liabilities | 712 | 745 | 672 | 776 | 705 | 773 | 705 | 794 | 712 | 799 | 713 | 828 | ||||||
| Deposits Savings Deposits | 1,964 | 1,984 | 1,885 | 1,956 | 1,898 | 2,033 | 1,904 | 2,027 | 2,007 | 2,065 | 2,084 | 1,944 | ||||||
| Time Deposits | 1,672 | 1,656 | 1,687 | 1,666 | 1,613 | 1,621 | 1,545 | 1,507 | 1,475 | 1,561 | 1,405 | 1,509 | ||||||
| Deposits | 5,299 | 5,338 | 5,206 | 5,358 | 5,156 | 5,373 | 5,105 | 5,307 | 5,133 | 5,397 | 5,213 | 5,316 | ||||||
| Short Term Borrowings | 182 | 114 | 109 | 55 | 101 | 55 | 99 | 55 | 202 | 133 | 185 | 70 | ||||||
| Long Term Debt | 79 | 79 | 194 | 115 | 115 | 125 | 125 | 125 | 125 | 125 | 125 | 124 | ||||||
| Other Liabilities | 131 | 133 | 136 | 139 | 170 | 198 | 220 | 170 | 204 | 198 | 184 | 221 | ||||||
| Liabilities | 5,692 | 5,663 | 5,645 | 5,666 | 5,542 | 5,751 | 5,548 | 5,656 | 5,664 | 5,853 | 5,706 | 5,731 | ||||||
Stockholders Equity | ||||||||||||||||||
| Preferred Stock Value | 17 | 17 | 17 | 17 | 17 | 17 | 17 | 17 | 17 | 17 | 17 | 17 | ||||||
| Common Stock Value | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||||||
| Additional Paid In Capital | 233 | 233 | 234 | 234 | 233 | 232 | 233 | 125 | 125 | 125 | 126 | 126 | ||||||
| Retained Earnings Accumulated Deficit | 466 | 451 | 437 | 424 | 410 | 399 | 389 | 478 | 469 | 449 | 452 | 447 | ||||||
| Accumulated Other Comprehensive Income Loss Net Of Tax | -43 | -39 | -33 | -37 | -42 | -42 | -53 | -102 | -126 | -126 | -120 | -161 | ||||||
| Treasury Stock Value | -30 | -31 | -27 | -16 | -16 | -17 | -18 | -18 | -18 | -19 | -20 | -20 | ||||||
| Stockholders Equity | 643 | 632 | 629 | 622 | 602 | 590 | 569 | 500 | 468 | 446 | 455 | 409 | ||||||
| Liabilities And Stockholders Equity | 6,335 | 6,295 | 6,274 | 6,288 | 6,144 | 6,340 | 6,117 | 6,156 | 6,132 | 6,299 | 6,161 | 6,140 | ||||||
| Available For Sale Debt Securities Amortized Cost Basis | 960 | 1,048 | 958 | 962 | 963 | 974 | 973 | 1,012 | 1,031 | 1,084 | 1,038 | 1,061 | ||||||
| Debt Securities Held To Maturity Allowance For Credit Loss | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||||||
| Held To Maturity Securities Fair Value | 71 | 73 | 76 | 78 | 82 | 103 | 105 | 113 | 116 | 131 | 137 | 137 | ||||||
| Loans And Leases Receivable Allowance | - | - | - | - | - | - | - | - | - | 43 | 51 | 50 | ||||||
| Financing Receivable Allowance For Credit Losses | 47 | 45 | 47 | 47 | 47 | 49 | 48 | 45 | 44 | 43 | 51 | 50 | ||||||
| Unamortized Debt Issuance Expense | 1 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | ||||||
| Preferred Stock Par Or Stated Value Per Share | - | - | 100.00 | - | - | - | 100.00 | - | - | - | 100.00 | - | ||||||
| Preferred Stock Shares Authorized | - | - | 0 | - | - | - | 0 | - | - | - | 0 | - | ||||||
| Preferred Stock Shares Issued | - | - | 0 | - | - | - | 0 | - | - | - | 0 | - | ||||||
| Preferred Stock Dividend Rate Percentage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||||||
| Common Stock Par Or Stated Value Per Share | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | ||||||
| Common Stock Shares Authorized | 50 | 50 | 50 | 50 | 50 | 50 | 50 | 50 | 50 | 50 | 50 | 50 | ||||||
| Common Stock Shares Issued | 21 | 21 | 21 | 21 | 21 | 21 | 21 | 16 | 16 | 16 | 16 | 16 | ||||||
| Treasury Stock Common Shares | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | ||||||
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Recent filings
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
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Start 7-day free trialFINANCIAL INSTITUTIONS INC (FISI) — SEC Financial Statements & Analysis
FINANCIAL INSTITUTIONS INC (FISI) is a national commercial banks company, incorporated in NY. FINANCIAL INSTITUTIONS INC trades on Nasdaq, OTC as: FISI, FIISO, FIISP. FINANCIAL INSTITUTIONS INC (FISI)'s most recent SEC filing is a Form 10-Q for the period ended 2026-06-30, filed with the SEC on 2026-08-03. Based on that filing, FINANCIAL INSTITUTIONS INC carries a market cap of $800.37M, a P/E ratio of 9.91x, a P/B ratio of 1.24x, a P/S ratio of 2.40x, an enterprise value of $961.89M, and an EV/EBITDA multiple of 8.56x. On profitability, it posts a gross margin of 62.74%, an operating margin of 29.87%, a net margin of 24.21%, a Return on Equity (ROE) of 12.98%, and a Return on Invested Capital (ROIC) of 11.24%. Per share, it reports EPS of $3.90, diluted EPS of $3.61, free cash flow per share of $2.72, and a dividend per share of $0.96. Over the trailing year, it posted revenue growth of 4.30% year-over-year, net income growth of -336.23% year-over-year, and EPS growth of -336.23% year-over-year. On the balance sheet, it maintains an interest coverage ratio of 15.47x, free cash flow of $56.24M (TTM), and net debt of $161.52M. Figures sourced from SEC EDGAR.
- Market Cap
- $800.37M
- P/E TTM
- 9.91x
- EPS TTM
- $3.90
- P/B TTM
- 1.24x
- ROE TTM
- 12.98%
- Free Cash Flow TTM
- $56.24M
- Net Revenue TTM Growth 1Y
- 4.30%
Data as of 2026-06-30 · Source: SEC EDGAR
Frequently Asked Questions
What industry is FINANCIAL INSTITUTIONS INC in?
FINANCIAL INSTITUTIONS INC (FISI) operates in the National Commercial Banks industry.
What exchange does FISI trade on?
FINANCIAL INSTITUTIONS INC (FISI) trades on the Nasdaq, OTC.
Where is FINANCIAL INSTITUTIONS INC incorporated?
FINANCIAL INSTITUTIONS INC is incorporated in NY.
When was FINANCIAL INSTITUTIONS INC (FISI)'s most recent SEC filing?
FINANCIAL INSTITUTIONS INC (FISI)'s most recent SEC filing is a Form 10-Q for the period ended 2026-06-30, filed with the SEC on 2026-08-03.
What is FISI's market cap?
FINANCIAL INSTITUTIONS INC (FISI) has a market capitalization of $800.37M as of 2026-06-30.
What is FISI's P/E ratio?
FINANCIAL INSTITUTIONS INC (FISI)'s trailing twelve month P/E ratio is 9.91x as of 2026-06-30.
What is FISI's EPS (earnings per share)?
FINANCIAL INSTITUTIONS INC (FISI)'s trailing twelve month EPS is $3.90 as of 2026-06-30.
What is FISI's ROE (return on equity)?
FINANCIAL INSTITUTIONS INC (FISI)'s trailing twelve month Return on Equity (ROE) is 12.98% as of 2026-06-30.
What is FISI's ROIC (return on invested capital)?
FINANCIAL INSTITUTIONS INC (FISI)'s trailing twelve month Return on Invested Capital (ROIC) is 11.24% as of 2026-06-30.
What is FISI's EV/EBITDA?
FINANCIAL INSTITUTIONS INC (FISI)'s trailing twelve month EV/EBITDA is 8.56x as of 2026-06-30.