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Financial Institutions, Inc.
Financial Institutions, Inc. Score & Ratio Trend
| Date | Score | P/E | P/B | D/E | Price |
|---|---|---|---|---|---|
| Oct 2026 | 20,453 | 9.6 | 1.19 | 0.53 | 3,695.07 |
| Oct 2026 | 20,476 | 9.6 | 1.18 | 0.53 | 3,667.82 |
| Oct 2026 | 20,391 | 9.8 | 1.20 | 0.53 | 3,729.12 |
| Oct 2026 | 20,386 | 9.8 | 1.20 | 0.53 | 3,723.24 |
| Oct 2026 | 20,402 | 9.7 | 1.20 | 0.53 | 3,715.85 |
| Oct 2026 | 20,302 | 9.9 | 1.22 | 0.53 | 3,787.91 |
| Oct 2026 | 20,315 | 9.9 | 1.22 | 0.53 | 3,769.10 |
| Oct 2026 | 20,204 | 10.1 | 1.25 | 0.53 | 3,840.76 |
Financial Institutions, Inc. Quarterly Results
| Line Item | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 |
|---|---|---|---|---|
| Revenue | 64,455,000.0 | 62,442,000.0 | 63,663,000.0 | 63,622,000.0 |
| Net Profit | 21,184,000.0 | 20,985,000.0 | 19,980,000.0 | 20,477,000.0 |
| EPS | 1.1 | 1.1 | 1.0 | 1.0 |
Financial Institutions, Inc. Revenue & Profit: Last 5 Years
| Line Item | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
| Revenue | 243,539,000.0 | 114,526,000.0 | 212,176,000.0 | 212,350,000.0 | — |
| Net Profit | 74,867,000.0 | -41,646,000.0 | 50,264,000.0 | 56,573,000.0 | — |
| EPS | 3.6 | -1.7 | 3.2 | 3.6 | — |
Financial Institutions, Inc. Balance Sheet
| Line Item | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
| Total Assets | 6,274,140,000.0 | 6,117,085,000.0 | 6,160,881,000.0 | 5,797,272,000.0 | — |
| Total Liabilities | 5,645,286,000.0 | 5,548,101,000.0 | 5,706,085,000.0 | 5,391,667,000.0 | — |
| Total Equity | 628,854,000.0 | 568,984,000.0 | 454,796,000.0 | 405,605,000.0 | — |
Owes vs Owns
Financial Institutions, Inc. owed $0.90 for every $1 it owned in Jun 2026, down from $0.93 in Dec 2022.
| Period | Jun 2026 | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 |
|---|---|---|---|---|---|
| Owes vs Owns | 0.90× | 0.90× | 0.91× | 0.93× | 0.93× |
Everything the company owes ÷ everything it owns. Below 1× it owns more than it owes; above 1× it owes more than it owns.
Financial Institutions, Inc. Assets & Liabilities Breakdown (USD millions)
What it owns — Dec 2025
Cash & short-term investments 1.7%Fixed assets (tangible) 1.1%Intangible assets 1.0%Long-term investments 17.0%Other assets 78.8%
How it's funded — Dec 2025
Short-term debt 1.7%Long-term debt 3.1%Other liabilities 84.8%Shareholders' equity 10.0%
| Line Item | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 |
|---|---|---|---|---|
| Assets | ||||
| Cash & short-term investments | 108.8 | 998.4 | 1,012.2 | 1,084.8 |
| Receivables | 25.1 | 23.7 | 24.5 | 19.4 |
| Inventory | 0.0 | 0.0 | 0.0 | 0.0 |
| Fixed assets (tangible) | 69.0 | 70.2 | 71.4 | 73.1 |
| Intangible assets | 60.3 | 60.8 | 72.5 | 73.4 |
| Long-term investments | 1,068.0 | 1,099.0 | 1,104.1 | 1,198.9 |
| Other assets | 4,943.0 | 3,865.0 | 3,876.2 | 3,347.6 |
| Liabilities & equity | ||||
| Short-term debt | 109.0 | 99.0 | 185.0 | 205.0 |
| Long-term debt | 193.7 | 124.8 | 124.5 | 74.2 |
| Payables | 21.4 | 25.9 | 19.4 | 6.0 |
| Other liabilities | 5,321.2 | 5,298.4 | 5,377.1 | 5,106.5 |
| Shareholders' equity | 628.9 | 569.0 | 454.8 | 405.6 |
| Net tangible assets | 568.5 | 508.2 | 382.3 | 332.2 |
Financial Institutions, Inc. Cash Flow
| Line Item | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
| Operating Activities | 18,802,000.0 | 77,127,000.0 | 10,894,000.0 | 133,573,000.0 | — |
| Investing Activities | -140,038,000.0 | -8,232,000.0 | -310,090,000.0 | -325,160,000.0 | — |
| Financing Activities | 142,666,000.0 | -106,016,000.0 | 293,172,000.0 | 242,941,000.0 | — |