← FINANCIAL INSTITUTIONS INC FISI
Market Price
$41.79
Market Cap
$825.06M
P/E Ratio
11.58
Revenue (FY 2025)
↓-99.5% YoY
$11.00K
3-Yr CAGR: -88.0%
Net Income
↑279.8% YoY
$74.87M
Net Margin: 680,609.1%
Free Cash Flow
↓-81.6% YoY
$13.25M
FCF Yield: 1.61%
EPS (Diluted)
↑231.3% YoY
$3.61
Basic: $3.65
Return on Equity
Efficiency
11.9%
ROA: 1.2%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (FISI)
All monetary values in millions ($M)
⚠️ YoY Data Quality Alert
- FY 2017: Revenue YoY (-2.4%) is identical to Gross Profit YoY (-2.4%). Verify the underlying Revenue and Gross Profit values for FY 2017 and FY 2016.
- FY 2018: Revenue YoY (-6.4%) is identical to Gross Profit YoY (-6.4%). Verify the underlying Revenue and Gross Profit values for FY 2018 and FY 2017.
- FY 2019: Revenue YoY (-7.3%) is identical to Gross Profit YoY (-7.3%). Verify the underlying Revenue and Gross Profit values for FY 2019 and FY 2018.
- FY 2020: Revenue YoY (-3.7%) is identical to Gross Profit YoY (-3.7%). Verify the underlying Revenue and Gross Profit values for FY 2020 and FY 2019.
- FY 2021: Revenue YoY (+30.6%) is identical to Gross Profit YoY (+30.6%). Verify the underlying Revenue and Gross Profit values for FY 2021 and FY 2020.
- FY 2022: Revenue YoY (+10.7%) is identical to Gross Profit YoY (+10.7%). Verify the underlying Revenue and Gross Profit values for FY 2022 and FY 2021.
- FY 2023: Revenue YoY (+5.4%) is identical to Gross Profit YoY (+5.4%). Verify the underlying Revenue and Gross Profit values for FY 2023 and FY 2022.
- FY 2024: Revenue YoY (-68.0%) is identical to Gross Profit YoY (-68.0%). Verify the underlying Revenue and Gross Profit values for FY 2024 and FY 2023.
- FY 2025: Revenue YoY (-99.5%) is identical to Gross Profit YoY (-99.5%). Verify the underlying Revenue and Gross Profit values for FY 2025 and FY 2024.
| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2016 | $5.4M | — | $5.4M | $31.9M | — | $2.10 | — | $46.7M | $39.1M | — |
| FY 2017 | $5.3M | -2.4% | $5.3M | $33.5M | +5.0% | $2.13 | +1.4% | $46.3M | $38.5M | -1.4% |
| FY 2018 | $4.9M | -6.4% | $4.9M | $39.5M | +17.9% | $2.39 | +12.2% | $65.1M | $62.3M | +61.6% |
| FY 2019 | $4.6M | -7.3% | $4.6M | $48.9M | +23.6% | $2.96 | +23.8% | $57.7M | $54.1M | -13.2% |
| FY 2020 | $4.4M | -3.7% | $4.4M | $38.3M | -21.6% | $2.30 | -22.3% | $43.5M | $39.2M | -27.5% |
| FY 2021 | $5.8M | +30.6% | $5.8M | $77.7M | +102.7% | $4.78 | +107.8% | $73.0M | $63.6M | +62.2% |
| FY 2022 | $6.4M | +10.7% | $6.4M | $56.6M | -27.2% | $3.56 | -25.5% | $133.6M | $125.2M | +97.0% |
| FY 2023 | $6.7M | +5.4% | $6.7M | $50.3M | -11.2% | $3.15 | -11.5% | $10.9M | $7.9M | -93.7% |
| FY 2024 | $2.1M | -68.0% | $2.1M | $-41.6M | -182.9% | $-2.75 | -187.3% | $77.1M | $72.2M | +813.1% |
| FY 2025 | $0.0M | -99.5% | $0.0M | $74.9M | +279.8% | $3.61 | +231.3% | $18.8M | $13.3M | -81.6% |
Valuation
Market Price
$41.79
Market Cap
$825.06M
Enterprise Value
$909.96M
P/E Ratio
11.58
P/B Ratio
1.31
FCF Yield
1.61%
Dividend Yield
2.97%
Shares Outstanding
Profitability & Margins
Gross Margin
0.01%
Operating Margin
830,490.91%
Net Margin
680,609.09%
Return on Equity (ROE)
11.91%
Return on Assets (ROA)
1.19%
Asset Turnover
0.00x
Revenue 3-Yr CAGR
-88.00%
Financial Health & Liquidity
Current Ratio
N/A
Cash Ratio
N/A
Debt / Equity
0.308
Debt / Assets
0.031
Cash & Equivalents
$108.75M
Total Debt
$193.65M
Book Value / Share
$31.94
Cash Flow Efficiency
Operating Cash Flow
$18.80M
Capital Expenditures (CapEx)
$5.55M
Free Cash Flow
$13.25M
OCF / Revenue
170,927.27%
FCF / Revenue
120,490.91%
FCF 3-Yr CAGR
-52.69%
Per Share Metrics
EPS (Diluted)
$3.61
EPS (Basic)
$3.65
Dividends / Share
$1.24
Book Value / Share
$31.94
EPS YoY Growth
231.27%
Balance Sheet (FY 2025)
Total Assets
$6.27B
Total Liabilities
$5.65B
Stockholders' Equity
$628.85M
Current Assets
N/A
Current Liabilities
N/A