Financial Institutions Inc
FIISO- Exchange
- OTC
- Industry
- National Commercial Banks
- SEC CIK
- 0000862831
In the last 90 days, Financial Institutions Inc insiders filed 2 open-market purchases and 0 sales; no institution reported holding it in 13F filings for Q2 2026; no superinvestor holds it.
- Currency
- USD
- Source
- SEC XBRL data (10-K, 10-Q, 20-F, 40-F)
- Updated
- Nov 10, 2026, 1:12 AM ET
Revenue flow, FY2025
Where the revenue went in FY2025, from the income statement below. Green is profit; orange is costs, expenses and taxes. Percentages are shares of revenue; hover over a band or a bar for the exact amount.
Income statement
Each column is one fiscal year, newest first.
| Line item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Period end | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 | Dec 31, 2022 | Dec 31, 2021 |
| Filing | 10-K | 10-K | 10-K | 10-K | 10-K |
| Reported | Jan 29, 2026 | Jan 30, 2025 | Jan 25, 2024 | – | Jan 31, 2022 |
| Revenue | $333.0M | $313.2M | $286.1M | $196.1M | $167.2M |
| Interest expense | – | – | $120.4M | $28.7M | $12.5M |
| Income tax | $16.5M | -$26.5M | $12.8M | $14.4M | $19.5M |
| Net income | $74.9M | -$41.6M | $50.3M | $56.6M | $77.7M |
| EPS, basic | $3.65 | $-2.75 | $3.17 | $3.58 | $4.81 |
| EPS, diluted | $3.61 | $-2.75 | $3.15 | $3.56 | $4.78 |
| Weighted shares, basic | 20.1M | 15.7M | 15.4M | 15.4M | 15.8M |
| Weighted shares, diluted | 20.3M | 15.7M | 15.5M | 15.5M | 15.9M |
| Margins and growth | |||||
| Net margin | 22.5% | -13.3% | 17.6% | 28.8% | 46.5% |
| Revenue growth, year over year | +6.3% | +9.5% | +45.9% | +17.3% | +3.7% |
| Net income growth, year over year | – | −182.9% | −11.2% | −27.2% | +102.7% |
Balance sheet
Each column is one fiscal year, newest first.
| Line item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Period end | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 | Dec 31, 2022 | Dec 31, 2021 |
| Filing | 10-K | 10-K | 10-K | 10-K | 10-K |
| Reported | Jan 29, 2026 | Jan 30, 2025 | Jan 25, 2024 | – | Jan 31, 2022 |
| Cash and equivalents | $108.8M | $87.3M | – | – | – |
| Property, plant and equipment | $39.9M | $39.9M | $39.9M | $42.0M | $40.1M |
| Goodwill | $58.1M | $58.1M | $67.1M | $67.1M | $67.1M |
| Intangible assets | $2.22M | $2.64M | $5.43M | $6.34M | $7.33M |
| Total assets | $6.27B | $6.12B | $6.16B | $5.80B | $5.52B |
| Short-term debt | $109.0M | $99.0M | $185.0M | $205.0M | $30.0M |
| Long-term debt | $193.7M | $124.8M | $124.5M | $74.2M | $73.9M |
| Total liabilities | $5.65B | $5.55B | $5.71B | $5.39B | $5.02B |
| Shareholders' equity | $628.9M | $569.0M | $454.8M | $405.6M | $505.1M |
Cash flow statement
Each column is one fiscal year, newest first. Free cash flow is operating cash flow minus capital expenditures.
| Line item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Period end | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 | Dec 31, 2022 | Dec 31, 2021 |
| Filing | 10-K | 10-K | 10-K | 10-K | 10-K |
| Reported | Jan 29, 2026 | Jan 30, 2025 | Jan 25, 2024 | – | Jan 31, 2022 |
| Operating cash flow | $18.8M | $77.1M | $10.9M | $133.6M | $73.0M |
| Capital expenditures | $5.55M | $4.97M | $2.99M | $8.37M | $9.40M |
| Free cash flow | $13.3M | $72.2M | $7.90M | $125.2M | $63.6M |
| Depreciation and amortization | $7.88M | $7.67M | $8.09M | $8.11M | $8.05M |
| Stock-based compensation | $3.08M | $1.61M | $1.67M | $2.55M | $1.74M |
| Dividends paid | $24.7M | $18.5M | $18.3M | $17.6M | $17.0M |
| Share buybacks | $11.4M | $426.0K | $571.0K | $15.3M | $9.23M |
| Investing cash flow | -$140.0M | -$8.23M | -$310.1M | -$325.2M | -$633.4M |
| Financing cash flow | $142.7M | -$106.0M | $293.2M | $242.9M | $545.7M |
| Net change in cash | $21.4M | -$37.1M | -$6.02M | $51.4M | -$14.8M |
| Ratio | |||||
| Stock-based compensation, % of revenue | 0.9% | 0.5% | 0.6% | 1.3% | 1.0% |
Shares outstanding
Common shares outstanding as stated on the cover of each 10-K and 10-Q. The date is the cover date, not the period end; a rising count means dilution.
| Cover date | Shares outstanding | Change in a year | Filing |
|---|---|---|---|
| Nov 2, 2026 | 19.6M | −2.6% | SEC |
| Jul 28, 2026 | 19.7M | −2.1% | SEC |
| Apr 28, 2026 | 19.7M | −2.1% | SEC |
| Feb 27, 2026 | 19.6M | −2.2% | SEC |
| Oct 30, 2025 | 20.1M | +30.1% | SEC |
| Jul 31, 2025 | 20.1M | +30.1% | SEC |
| Apr 30, 2025 | 20.1M | +30.2% | SEC |
| Feb 28, 2025 | 20.1M | +30.3% | SEC |
Notes and known gaps
How these numbers are put together, and what they can't tell you.
- Numbers come from the XBRL data in each period's original 10-K, 10-Q, 20-F or 40-F, or its amendment. They are shown as filed: later filings don't restate earlier periods here.
- Reported is the filing date of the first 8-K with Item 2.02 (results of operations) after the period ended, no later than the 10-Q or 10-K and within 120 days. Companies that release results only in the 10-Q, and foreign companies, which use Form 6-K, have none.
Known gaps
- Foreign companies that file Form 20-F or 40-F have annual statements only: their quarterly results are furnished on Form 6-K, which has no XBRL data.
- EPS and share counts are as reported at the time, not adjusted for later stock splits.
- For ADRs, EPS is per ordinary share, not per ADS (one TSMC ADS is five ordinary shares).
- For banks, revenue may be interest income only, depending on how the bank tags its filings; cost of revenue and gross profit are usually blank.
- Companies with several share classes, such as Berkshire Hathaway, may have no EPS and no cover share count.
- Depreciation and amortization is missing for some companies that report it under their own XBRL tags.