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FINANCIAL INSTITUTIONS INC

FISI

$41.66 ▼ -0.27 (-0.66%) at close

19 Visible periods

36 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

FINANCIAL INSTITUTIONS INC shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $837.3M

Dividend Yield 2.98%

Revenue Growth 109.5% ↗

Op. Margin 37.3% ↗

ROIC None

FCF / Share None

Trailing P/E 11.4x

Price / Book 1.3x

FCF Yield —

Debt / Equity 0.48

info Valuation on last close. End-of-day price, Aug 7, 2026.

19-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$244.94M

↑ +109.5% —

Net Income Profit after all expenses

$74.87M

↑ +279.8% —

Operating Margin Operating profit as % of sales

37.3%

↑ +164.0% 92th

Long-Term Debt Long-term obligations

$193.65M

↑ +55.1% —

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Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Financial Health ↑

Dividend History

Dividend / share · sourced from SEC filings

$1.24 Latest / share

+3.3% YoY

+4.4% 12-yr CAGR

$0.77

FY 2014

$0.80

FY 2015

$0.81

FY 2016

$0.85

FY 2017

$0.96

FY 2018

$1.00

FY 2019

$1.04

FY 2020

$1.08

FY 2021

$1.16

FY 2022

$1.20

FY 2023

$1.20

FY 2024

$1.24

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2000 Feb 28, 2001 10-K ↗
Revenue Growth YoY (%)	109.5% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1725%)	-45.4% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-856%)	0.1% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-98%)	6.0% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	10.7% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+78%)	7.0% Fair → Fair Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+16%)	6.9% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+15%)	8.1% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+36%)	6.4% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+7%)	10.2% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+70%)	5.5% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-9%)	2.3% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-61%)	2.8% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-54%)	7.1% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+18%)	7.7% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+28%)	7.9% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+31%)	—	—	—
EPS Growth YoY (%)	N/M	N/M	-11.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-25.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	109.1% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-22.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	24.3% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	12.2% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	0.9% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	10.5% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-5.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	14.9% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	9.4% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	6.7% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	-7.4% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	63.6% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—	—
Net Income Growth YoY (%)	N/M	N/M	-11.2% Weak ↓ Weak Declining Year-over-year change in net income	-27.2% Weak ↓ Weak Declining Year-over-year change in net income	102.7% Excellent ↑ Excellent Improving Year-over-year change in net income	-21.6% Weak ↓ Weak Declining Year-over-year change in net income	23.6% Good ↑ Good Improving Year-over-year change in net income	17.9% Good ↑ Good Improving Year-over-year change in net income	5.0% Caution ↓ Caution Declining Year-over-year change in net income	12.7% Fair ↑ Fair Improving Year-over-year change in net income	-3.5% Weak ↓ Weak Declining Year-over-year change in net income	15.0% Fair ↑ Fair Improving Year-over-year change in net income	8.9% Fair ↓ Fair Declining Year-over-year change in net income	2.9% Caution ↓ Caution Declining Year-over-year change in net income	7.1% Fair Fair Year-over-year change in net income	47.4% Excellent Excellent Year-over-year change in net income	—	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	4.7% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	-16.6% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	5.5% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	7.9% Fair → Fair Stable Compound annual revenue growth over 3 years	8.2% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	7.3% Fair → Fair Stable Compound annual revenue growth over 3 years	7.1% Fair → Fair Stable Compound annual revenue growth over 3 years	8.2% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	7.3% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	5.9% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	3.5% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	4.0% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	5.8% Fair Fair Compound annual revenue growth over 3 years	7.6% Fair Fair Compound annual revenue growth over 3 years	—	—	—	—	—
Revenue CAGR 5Y (%)	6.1% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	-7.2% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	6.1% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	7.7% Fair → Fair Stable Compound annual revenue growth over 5 years	7.8% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	7.7% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	7.4% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	6.5% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	5.4% Fair → Fair Stable Compound annual revenue growth over 5 years	5.5% Fair → Fair Stable Compound annual revenue growth over 5 years	5.0% Fair Fair Compound annual revenue growth over 5 years	5.5% Fair Fair Compound annual revenue growth over 5 years	—	—	—	—	—	—	—
EPS CAGR 3Y (%)	0.6% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	—	11.3% Good → Good Stable Compound annual EPS growth over 3 years	6.4% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	26.3% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	2.6% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	12.1% Good ↑ Good Improving Compound annual EPS growth over 3 years	7.8% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	2.0% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	6.4% Fair → Fair Stable Compound annual EPS growth over 3 years	6.1% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	10.2% Good → Good Stable Compound annual EPS growth over 3 years	2.6% Caution Caution Compound annual EPS growth over 3 years	17.4% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2000 Feb 28, 2001 10-K ↗
Operating Margin (%) (%)	37.3% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+49%)	-58.3% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-333%)	29.5% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+18%)	33.2% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+33%)	48.2% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+93%)	25.1% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	34.9% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+40%)	31.1% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+24%)	29.5% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+18%)	31.9% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+28%)	30.9% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+24%)	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	18.0% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	38.9% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.3% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.3% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.1% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.2% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.8% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.2% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.9% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.7% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.1% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	30.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+39%)	-35.6% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-262%)	23.5% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+7%)	26.5% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+20%)	38.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+75%)	21.0% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	28.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+30%)	24.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+13%)	22.8% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	23.1% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	22.6% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	24.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+12%)	21.9% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	20.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-6%)	21.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	21.7% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	15.9% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-28%)	—	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2000 Feb 28, 2001 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak Weak Operating profit relative to total assets Optimal: > 10%	1.0% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—
Return on Common Equity (%) (%)	11.9% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	-7.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-161%)	11.1% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-8%)	13.9% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+16%)	15.4% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+28%)	8.2% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-32%)	11.1% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-7%)	10.0% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-17%)	8.8% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-27%)	10.0% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-17%)	9.6% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-20%)	10.5% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-12%)	10.0% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-17%)	9.2% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-23%)	9.6% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-20%)	10.0% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-16%)	—	—	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2000 Feb 28, 2001 10-K ↗
Debt to Equity (x)	0.48x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-60%)	0.39x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-67%)	0.68x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-43%)	0.69x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-43%)	0.21x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-83%)	0.17x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-86%)	0.72x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-40%)	1.28x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+7%)	1.27x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+6%)	1.16x Caution → Caution Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: At sector avg	1.13x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-6%)	1.20x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: At sector avg	1.32x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+10%)	0.71x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-41%)	0.64x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-47%)	0.49x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-59%)	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2000 Feb 28, 2001 10-K ↗
Revenue per Share (USD)	$12.19	$7.45	$13.92	$13.89	$12.73	$11.37	$10.66	$10.02	$9.79	$9.59	$8.92	$8.57	$8.47	$8.27	$8.10	—	—	—	—
Basic EPS, GAAP (USD)	$3.65	$-2.75	$3.17	$3.58	$4.81	$2.30	$2.97	$2.39	$2.13	$2.11	$1.91	$2.01	$1.75	$1.60	$1.50	$1.62	$0.99	—	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$1.24	$1.20	$1.20	$1.16	$1.08	$1.04	$1.00	$0.96	$0.85	$0.81	$0.80	$0.77	$0.74	$0.57	$0.47	$0.40	$0.40	—	—
Book Value per Share (USD)	$31.29	$36.28	$29.58	$26.37	$31.38	$29.09	$27.48	$24.91	$25.34	$22.17	$20.87	$20.12	$18.55	$18.54	$18.15	—	—	—	—
Tangible Book Value per Share (USD)	$28.40	$32.57	$25.22	$22.01	$27.21	$24.99	$23.35	$20.76	$20.96	$17.57	$16.58	$15.72	$15.02	$14.99	$15.29	—	—	—	—
Basic Weighted Avg Shares (shares)	20.10M	15.68M	15.38M	15.38M	15.84M	16.02M	15.97M	15.91M	15.04M	14.44M	14.08M	13.89M	13.74M	13.70M	13.07M	10,767	10,730	—	—
Dividend Payout Ratio (%)	34.0% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	-43.6% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	37.9% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	32.4% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	22.5% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	45.2% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	33.7% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	40.2% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	39.9% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	38.4% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	41.9% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	38.3% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	42.3% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	35.6% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	31.3% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	24.7% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	40.4% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2000 Feb 28, 2001 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$193.65M	$124.84M	$124.53M	$74.22M	$73.91M	$73.62M	$39.27M	$39.20M	$39.13M	$39.06M	$38.99M	$0.00	$0.00	—	—	$26.77M	—	—	$16.70M
Total Equity (USD)	$628.85M	$568.98M	$454.80M	$405.61M	$505.14M	$468.36M	$438.95M	$396.29M	$381.18M	$320.05M	$293.84M	$279.53M	$254.84M	$253.90M	$237.19M	$212.14M	—	—	—

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2000 Feb 28, 2001 10-K ↗
Sales/Revenue/Turnover (USD)	$244.94M	$116.91M	$213.96M	$213.64M	$201.64M	$182.16M	$170.29M	$159.34M	$147.34M	$138.45M	$125.65M	$119.12M	$116.43M	$113.29M	$105.79M	$98.24M	$91.06M	—	—
Depreciation Expense (USD)	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	$3.54M	$4.07M	—	—
Net Income, GAAP (USD)	$74.87M	$-41.65M	$50.26M	$56.57M	$77.70M	$38.33M	$48.86M	$39.53M	$33.53M	$31.93M	$28.34M	$29.36M	$25.53M	$23.45M	$22.80M	$21.29M	$14.44M	—	—
Operating Cash Flow (USD)	$18.80M	$77.13M	$10.89M	$133.57M	$72.96M	$43.45M	$57.71M	$65.14M	$46.28M	$46.69M	—	$35.23M	$37.20M	$38.70M	$32.02M	$35.43M	$22.27M	—	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2000 Feb 28, 2001 10-K ↗
Net Interest Margin (approx.) (%)	3.2%	2.7%	2.7%	2.9%	2.8%	2.8%	3.0%	2.8%	2.7%	2.8%	2.8%	3.0%	3.1%	3.2%	3.5%	3.6%	—	—	—
Efficiency Ratio (%) (%)	58.0%	153.0%	64.1%	60.6%	55.9%	60.0%	60.4%	63.3%	61.4%	61.2%	63.2%	60.7%	59.6%	63.0%	60.3%	62.0%	68.9%	—	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 19 years · 68 quarters

FINANCIAL INSTITUTIONS INC

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