Financial Institutions, Inc.
FISI Financial Banks Regional
In the quarter to June 2026, revenue was flat, EPS grew 24.7%, free cash flow grew 398.0% and total debt fell 31.5%, each against the same quarter a year earlier. Dividend growth for ten consecutive years; insiders bought in the last twelve months.
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A Balance Sheet is a financial statement that provides a snapshot of a company's assets, liabilities, and shareholders' equity at a specific point in time. It follows the formula: Assets = Liabilities + Shareholders' Equity. Key components include current and non-current assets, current and long-term liabilities, and equity. The Balance Sheet helps businesses and investors evaluate financial stability, liquidity, and capital structure. It's essential for assessing the company's ability to meet its obligations and fund future operations.
| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
Cash and Short Term Investments |
71.28 | 99.20 | 102.76 | 112.95 | 93.88 | 79.11 | 130.47 | 124.44 | 87.32 | 108.75 |
Total current assets |
2,381.55 | 2,802.26 | 3,158.31 | 3,307.68 | 3,640.90 | 3,725.07 | 4,136.05 | 4,536.87 | 4,520.76 | 4,722.60 |
Property, Plant, Equpment (Net) |
42.40 | 45.19 | 42.84 | 41.42 | 40.61 | 40.11 | 41.99 | 39.90 | 39.87 | 39.89 |
Long-Term Investments |
1,083.26 | 1,041.44 | 892.26 | 776.92 | 900.03 | 1,384.10 | 1,143.35 | 1,035.89 | 1,027.11 | 1,007.18 |
Goodwill and Intangible Assets (Total) |
75.64 | 74.70 | 76.17 | 74.92 | 73.79 | 74.40 | 73.41 | 72.50 | 60.76 | 60.34 |
Long-term assets (Other) |
127.48 | 141.62 | 142.12 | 183.24 | 256.98 | 297.10 | 402.47 | 475.72 | 468.59 | 444.13 |
Total non-current assets |
1,328.79 | 1,302.95 | 1,153.39 | 1,076.50 | 1,271.41 | 1,795.71 | 1,661.22 | 1,624.01 | 1,596.32 | 1,551.54 |
Total Assets |
3,710.34 | 4,105.21 | 4,311.70 | 4,384.18 | 4,912.31 | 5,520.78 | 5,797.27 | 6,160.88 | 6,117.09 | 6,274.14 |
Notes Payable |
331.50 | 446.20 | 469.50 | 275.50 | 5.30 | 30.00 | 205.00 | 185.00 | 99.00 | 109.00 |
Accounts Payable |
2,995.22 | 3,210.17 | 3,366.91 | 3,555.68 | 4,278.37 | 4,827.09 | 4,929.42 | 5,212.91 | 5,104.73 | 5,206.35 |
Total current liabilities |
3,326.72 | 3,656.37 | 3,836.41 | 3,831.18 | 4,283.67 | 4,857.09 | 5,134.42 | 5,397.91 | 5,203.73 | 5,315.35 |
Long Term Debt (Total) |
39.06 | 39.13 | 39.20 | 39.27 | 73.62 | 73.91 | 74.22 | 124.53 | 124.84 | 193.65 |
Non-current Liabilities (Other) |
24.50 | 28.53 | 39.80 | 74.78 | 86.65 | 84.64 | 183.02 | 183.64 | 219.53 | 136.29 |
Total non-current liabilities |
63.56 | 67.66 | 79.00 | 114.06 | 160.28 | 158.55 | 257.24 | 308.17 | 344.37 | 329.94 |
Total liabilities |
3,390.29 | 3,724.03 | 3,915.41 | 3,945.23 | 4,443.94 | 5,015.64 | 5,391.67 | 5,706.09 | 5,548.10 | 5,645.29 |
Additional Paid In Capital |
81.76 | 121.06 | 122.70 | 124.58 | 125.12 | 126.11 | 126.64 | 125.84 | 233.42 | 234.40 |
Preferred Stock (Total) |
17.34 | 17.33 | 17.33 | 17.33 | 17.33 | 17.29 | 17.29 | 17.29 | 17.29 | 17.29 |
Common Stock (Net) |
0.15 | 0.16 | 0.16 | 0.16 | 0.16 | 0.16 | 0.16 | 0.16 | 0.21 | 0.21 |
Retained Earnings |
237.69 | 257.08 | 279.87 | 313.36 | 324.85 | 384.01 | 421.34 | 451.69 | 388.67 | 437.14 |
Treasury Stock |
2.92 | 2.53 | 2.49 | 1.98 | 1.22 | 9.22 | 22.34 | 20.24 | 17.99 | 27.15 |
Common Equity (Total) |
302.71 | 363.85 | 378.97 | 421.62 | 451.04 | 487.85 | 388.31 | 437.50 | 551.70 | 611.57 |
Shareholders Equity (Total) |
320.05 | 381.18 | 396.29 | 438.95 | 468.36 | 505.14 | 405.61 | 454.80 | 568.98 | 628.85 |
Shareholders Equity and Liabilities (Total) |
3,710.34 | 4,105.21 | 4,311.70 | 4,384.18 | 4,912.31 | 5,520.78 | 5,797.27 | 6,160.88 | 6,117.09 | 6,274.14 |
Shares (Common) |
14.54 | 15.93 | 15.93 | 16.00 | 16.04 | 15.75 | 15.34 | 15.41 | 20.08 | 19.80 |
Shares (Preferred) |
0.17 | 0.17 | 0.17 | 0.17 | 0.17 | 0.17 | 0.17 | 0.17 | 0.17 | 0.17 |
Shareholders Equity (Tangible) |
244.41 | 306.47 | 320.12 | 364.02 | 394.57 | 430.74 | 332.19 | 382.29 | 508.23 | 568.51 |
Net Debt |
(32.22) | (60.06) | (63.55) | (73.67) | (20.25) | (5.20) | (56.24) | 0.09 | 37.52 | 84.90 |
Total Debt |
39.06 | 39.13 | 39.20 | 39.27 | 73.62 | 73.91 | 74.22 | 124.53 | 124.84 | 193.65 |