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Financial Institutions Inc
NASDAQ:FISI

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Financial Institutions Inc
NASDAQ:FISI
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Price: 34.24 USD -0.64% Market Closed
Market Cap: $689.3m
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Financials Section:
Income Statement Balance Sheet Cash Flow Statement

Cash Flow Statement

Operating Cash Flow
+
3Y
-84%
5Y
-33%
10Y
-24%
Investing Cash Flow
+
3Y
+25%
5Y
+52%
10Y
+37%
Financing Cash Flow
+
3Y
-
5Y
-77%
10Y
-53%

Cash Flow Statement
Financial Institutions Inc

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Cash Flow Statement
Currency: USD
Dec-2001 Mar-2002 Jun-2002 Sep-2002 Dec-2002 Mar-2003 Jun-2003 Sep-2003 Dec-2003 Mar-2004 Jun-2004 Sep-2004 Dec-2004 Mar-2005 Jun-2005 Sep-2005 Dec-2005 Mar-2006 Jun-2006 Sep-2006 Dec-2006 Mar-2007 Jun-2007 Sep-2007 Dec-2007 Mar-2008 Jun-2008 Sep-2008 Dec-2008 Mar-2009 Jun-2009 Sep-2009 Dec-2009 Mar-2010 Jun-2010 Sep-2010 Dec-2010 Mar-2011 Jun-2011 Sep-2011 Dec-2011 Mar-2012 Jun-2012 Sep-2012 Dec-2012 Mar-2013 Jun-2013 Sep-2013 Dec-2013 Mar-2014 Jun-2014 Sep-2014 Dec-2014 Mar-2015 Jun-2015 Sep-2015 Dec-2015 Mar-2016 Jun-2016 Sep-2016 Dec-2016 Mar-2017 Jun-2017 Sep-2017 Dec-2017 Mar-2018 Jun-2018 Sep-2018 Dec-2018 Mar-2019 Jun-2019 Sep-2019 Dec-2019 Mar-2020 Jun-2020 Sep-2020 Dec-2020 Mar-2021 Jun-2021 Sep-2021 Dec-2021 Mar-2022 Jun-2022 Sep-2022 Dec-2022 Mar-2023 Jun-2023 Sep-2023 Dec-2023 Mar-2024 Jun-2024 Sep-2024 Dec-2024 Mar-2025 Jun-2025 Sep-2025
Operating Cash Flow
Net Income
21
23
25
26
27
24
21
18
14
13
15
16
13
12
(5)
(2)
2
4
21
17
17
17
15
15
16
17
15
(19)
(26)
(27)
(26)
6
14
17
19
22
21
22
22
22
23
23
24
23
23
23
24
26
26
27
27
28
29
29
29
30
28
29
30
30
32
32
31
31
34
35
41
43
40
42
41
43
49
39
38
38
38
58
67
72
78
72
67
64
57
54
53
53
50
40
51
51
(42)
(27)
(35)
(28)
Depreciation & Amortization
6
7
6
6
6
6
7
8
5
4
3
2
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
3
3
3
4
4
4
4
4
4
4
4
4
4
4
4
5
5
5
6
5
6
6
6
6
6
6
6
6
6
6
7
7
7
8
8
8
8
8
8
8
8
8
8
8
8
8
8
8
8
8
8
8
8
8
8
8
8
8
8
Change in Deffered Taxes
(0)
0
0
0
(1)
(2)
(3)
(3)
(2)
(2)
1
1
(5)
(5)
2
3
8
9
(1)
(2)
0
(0)
2
1
1
1
(1)
(2)
(24)
(20)
(18)
(16)
8
5
3
3
3
3
3
3
7
6
8
8
6
8
7
5
2
0
(0)
0
2
3
1
2
2
1
1
1
(2)
(1)
(1)
(2)
12
9
7
10
(11)
(7)
(5)
(6)
0
(1)
(2)
(4)
(5)
(3)
(1)
(9)
5
4
2
11
(4)
(5)
(4)
(3)
(1)
2
2
0
(35)
(39)
(37)
(31)
Stock-Based Compensation
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
1
1
2
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
0
0
0
0
0
1
0
0
0
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
2
1
1
1
1
1
2
2
2
2
2
3
3
2
2
2
2
2
2
2
2
2
2
Other Non-Cash Items
0
1
0
0
0
0
0
(0)
3
3
3
3
1
2
4
(5)
(7)
(7)
(8)
0
0
0
(0)
1
1
1
5
39
69
69
68
36
8
9
7
5
5
5
6
8
8
8
8
6
(2)
(2)
(2)
(2)
5
5
4
4
(2)
(2)
(2)
(2)
5
5
5
4
4
4
6
6
6
6
4
4
6
6
6
5
3
4
4
5
5
6
6
7
7
8
10
10
9
9
7
1
5
5
(9)
(4)
13
11
23
21
Cash Taxes Paid
11
11
12
13
14
14
12
9
8
7
4
5
7
7
6
3
0
0
2
3
(2)
(2)
(2)
(2)
4
4
4
3
4
4
2
0
(1)
(1)
3
7
7
7
5
5
5
5
6
4
4
4
2
4
8
11
15
14
14
11
7
8
8
8
9
8
11
15
13
15
13
10
9
8
4
3
7
8
10
10
6
7
8
8
14
13
11
9
3
1
3
5
9
9
6
5
5
4
3
0
0
0
Cash Interest Paid
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
3
0
0
0
2
0
8
0
10
11
7
0
5
5
6
9
10
12
12
12
12
13
14
15
19
22
25
29
31
34
38
37
37
37
32
29
24
19
18
15
16
13
18
33
57
88
113
134
151
157
159
156
146
138
130
Change in Working Capital
(2)
(4)
(4)
(6)
3
13
9
12
21
13
14
25
29
30
46
42
38
30
25
16
9
10
3
(2)
1
0
1
6
(2)
(4)
(4)
(3)
(12)
(7)
(7)
(9)
3
6
7
4
(9)
(9)
(7)
(2)
7
6
5
3
1
10
(1)
4
1
(1)
1
(3)
3
1
2
4
7
(4)
4
3
(12)
0
(4)
(2)
24
16
15
5
(3)
(3)
(9)
(10)
(3)
(9)
(16)
(15)
(25)
5
36
59
64
30
4
16
(51)
(39)
(8)
(53)
133
122
74
54
Cash from Operating Activities
26
N/A
27
+4%
27
+3%
27
-3%
35
+30%
42
+22%
35
-18%
35
+1%
41
+17%
31
-25%
35
+15%
47
+33%
42
-11%
43
+4%
51
+18%
43
-15%
45
+5%
40
-11%
41
+3%
35
-14%
30
-14%
31
+3%
24
-24%
19
-20%
23
+21%
23
-1%
24
+6%
29
+20%
21
-25%
22
+3%
24
+10%
27
+11%
22
-17%
27
+19%
26
-3%
25
-5%
35
+44%
39
+11%
41
+5%
41
-1%
32
-22%
32
-1%
36
+14%
39
+9%
39
-2%
39
+0%
37
-4%
35
-5%
37
+6%
45
+22%
34
-25%
40
+19%
35
-13%
33
-8%
34
+5%
32
-5%
43
+33%
42
-2%
44
+3%
45
+4%
47
+3%
37
-21%
47
+26%
45
-4%
46
+4%
56
+21%
54
-4%
62
+14%
65
+6%
63
-3%
64
+1%
56
-13%
58
+4%
47
-19%
39
-17%
37
-5%
44
+18%
60
+37%
64
+8%
63
-2%
73
+16%
97
+33%
124
+28%
151
+22%
134
-11%
96
-28%
67
-31%
75
+12%
11
-85%
17
+52%
44
+166%
2
-95%
77
+3 262%
75
-3%
33
-55%
25
-27%
Investing Cash Flow
Capital Expenditures
(4)
(5)
(5)
(4)
(5)
(9)
(10)
(11)
(10)
(6)
(5)
(5)
(6)
(7)
(7)
(7)
(5)
(3)
(2)
(2)
(2)
(2)
(3)
(4)
(3)
(3)
(3)
(5)
(6)
(6)
(6)
(4)
(2)
(2)
(2)
(2)
(2)
(2)
(3)
(4)
(4)
(4)
(4)
(5)
(6)
(7)
(6)
(4)
(3)
(3)
(4)
(5)
(5)
(5)
(6)
(6)
(8)
(9)
(8)
(7)
(8)
(10)
(11)
(10)
(8)
(3)
(2)
(3)
(3)
(3)
(3)
(3)
(4)
(4)
(4)
(4)
(4)
(3)
(8)
(10)
(9)
(10)
(7)
(7)
(8)
(8)
(6)
(5)
(3)
(3)
(4)
(6)
(5)
(5)
(5)
(4)
Other Items
(207)
(267)
(241)
(246)
(245)
(212)
(67)
(69)
(53)
(38)
(108)
(80)
(46)
(7)
41
92
131
156
173
143
122
59
(8)
(23)
(9)
17
14
(72)
(92)
(140)
(123)
(212)
(170)
(185)
(190)
(97)
(167)
(117)
(148)
(113)
(101)
(181)
(183)
(12)
(93)
(93)
(56)
(230)
(239)
(225)
(192)
(188)
(148)
(102)
(370)
(330)
(298)
(344)
(198)
(266)
(319)
(309)
(307)
(363)
(365)
(339)
(309)
(234)
(223)
(175)
(69)
(19)
(21)
(53)
(325)
(442)
(527)
(693)
(539)
(661)
(624)
(511)
(446)
(276)
(317)
(403)
(500)
(438)
(307)
(168)
20
105
(3)
(125)
(78)
(209)
Cash from Investing Activities
(211)
N/A
(272)
-29%
(245)
+10%
(250)
-2%
(251)
0%
(221)
+12%
(76)
+65%
(80)
-4%
(64)
+20%
(44)
+31%
(113)
-156%
(86)
+24%
(52)
+39%
(14)
+74%
34
N/A
85
+151%
126
+49%
153
+21%
171
+12%
141
-18%
120
-15%
57
-53%
(12)
N/A
(26)
-127%
(12)
+54%
14
N/A
11
-24%
(77)
N/A
(98)
-28%
(146)
-50%
(129)
+12%
(215)
-67%
(172)
+20%
(187)
-9%
(191)
-2%
(99)
+48%
(169)
-70%
(120)
+29%
(150)
-26%
(116)
+23%
(105)
+10%
(185)
-76%
(187)
-1%
(17)
+91%
(99)
-473%
(100)
-1%
(62)
+38%
(234)
-277%
(242)
-3%
(227)
+6%
(196)
+14%
(193)
+1%
(154)
+20%
(108)
+30%
(376)
-249%
(336)
+11%
(306)
+9%
(353)
-15%
(206)
+42%
(273)
-32%
(327)
-20%
(320)
+2%
(317)
+1%
(373)
-18%
(373)
+0%
(342)
+8%
(311)
+9%
(237)
+24%
(225)
+5%
(178)
+21%
(73)
+59%
(22)
+69%
(25)
-10%
(57)
-131%
(329)
-476%
(446)
-36%
(531)
-19%
(696)
-31%
(547)
+21%
(671)
-23%
(633)
+6%
(521)
+18%
(454)
+13%
(283)
+38%
(325)
-15%
(411)
-26%
(505)
-23%
(443)
+12%
(310)
+30%
(172)
+45%
16
N/A
100
+525%
(8)
N/A
(129)
-1 471%
(84)
+35%
(213)
-155%
Financing Cash Flow
Net Issuance of Common Stock
0
(0)
0
0
(1)
0
1
(0)
(0)
0
(1)
1
1
1
2
2
1
1
(0)
0
0
(1)
(4)
(6)
(7)
(7)
(6)
(6)
33
34
36
37
0
(0)
(0)
0
0
6
3
3
3
(3)
(1)
(1)
(1)
(0)
(0)
(0)
0
0
0
0
1
1
1
1
0
1
1
1
1
1
17
30
39
39
22
9
0
0
(0)
(0)
(0)
(0)
(0)
(0)
(0)
(6)
(6)
(6)
(9)
(18)
(19)
(19)
(15)
(1)
(1)
(1)
(1)
(0)
(0)
(0)
108
108
108
108
Net Issuance of Debt
75
99
17
44
5
(13)
(29)
(34)
(42)
(26)
(26)
(19)
(22)
(20)
(2)
(16)
(17)
(15)
(15)
(9)
(28)
(35)
(40)
(32)
(19)
(9)
13
36
3
8
(10)
5
36
5
14
(53)
(3)
(15)
65
36
47
49
42
(65)
29
22
(7)
150
157
57
61
28
(2)
(21)
136
66
(2)
44
(12)
(11)
38
124
9
81
115
24
125
(3)
23
(40)
(164)
(97)
(194)
(178)
(203)
(206)
(235)
(75)
(70)
30
25
0
109
69
175
166
315
51
30
17
(172)
(15)
(86)
(78)
(111)
(10)
Cash Paid for Dividends
(7)
(5)
(7)
(7)
(8)
(8)
(8)
(9)
(9)
(9)
(9)
(9)
(9)
(9)
(9)
(8)
(7)
(6)
(5)
(5)
(5)
(5)
(6)
(6)
(6)
(7)
(7)
(7)
(8)
(8)
(8)
(8)
(8)
(8)
(8)
(8)
(8)
(8)
(7)
(8)
(8)
(8)
(8)
(9)
(9)
(9)
(10)
(11)
(11)
(12)
(12)
(12)
(12)
(12)
(12)
(13)
(13)
(13)
(13)
(13)
(13)
(13)
(13)
(14)
(14)
(15)
(15)
(16)
(16)
(17)
(17)
(17)
(17)
(18)
(18)
(18)
(18)
(18)
(18)
(18)
(19)
(19)
(19)
(19)
(19)
(19)
(20)
(20)
(20)
(20)
(20)
(20)
(20)
(21)
(23)
(25)
Other
140
160
210
202
214
239
174
134
111
52
23
34
0
(2)
(64)
(81)
(102)
(192)
(168)
(141)
(100)
(6)
0
(23)
(42)
(44)
(21)
44
57
109
105
137
110
113
122
149
140
120
50
37
49
97
134
61
44
56
32
82
58
124
126
125
131
171
205
214
279
254
202
310
265
210
275
218
215
210
130
204
157
129
210
100
189
278
522
779
722
928
665
609
549
287
161
(70)
102
138
214
411
283
255
98
(9)
(108)
(24)
23
51
Cash from Financing Activities
209
N/A
254
+22%
219
-14%
239
+9%
211
-12%
218
+3%
138
-36%
91
-34%
60
-34%
17
-72%
(12)
N/A
8
N/A
(29)
N/A
(30)
-2%
(74)
-149%
(104)
-41%
(125)
-21%
(212)
-69%
(188)
+11%
(156)
+17%
(133)
+15%
(48)
+64%
(49)
-2%
(67)
-38%
(74)
-10%
(67)
+10%
(21)
+68%
66
N/A
85
+28%
144
+70%
123
-15%
172
+40%
138
-20%
110
-20%
128
+16%
88
-31%
130
+47%
103
-21%
112
+9%
70
-38%
91
+31%
135
+48%
167
+23%
(13)
N/A
63
N/A
69
+9%
14
-80%
221
+1 481%
204
-8%
170
-17%
176
+3%
141
-20%
117
-17%
139
+19%
329
+138%
267
-19%
265
-1%
286
+8%
178
-38%
287
+61%
291
+2%
321
+10%
288
-10%
315
+10%
354
+12%
259
-27%
262
+1%
195
-26%
164
-16%
72
-56%
29
-60%
(14)
N/A
(23)
-68%
83
N/A
301
+263%
555
+84%
469
-16%
829
+77%
570
-31%
615
+8%
546
-11%
250
-54%
233
-7%
(38)
N/A
243
N/A
284
+17%
509
+79%
442
-13%
293
-34%
252
-14%
(94)
N/A
(45)
+52%
(106)
-135%
(15)
+86%
(3)
+79%
125
N/A
Change in Cash
Net Change in Cash
23
N/A
8
-66%
2
-81%
16
+940%
(5)
N/A
39
N/A
97
+149%
46
-52%
37
-20%
3
-92%
(90)
N/A
(32)
+65%
(40)
-26%
0
N/A
11
+10 900%
24
+118%
46
+91%
(19)
N/A
24
N/A
21
-13%
18
-14%
40
+127%
(37)
N/A
(75)
-104%
(63)
+16%
(30)
+52%
13
N/A
18
+38%
9
-53%
20
+133%
18
-8%
(17)
N/A
(12)
+26%
(51)
-317%
(38)
+25%
13
N/A
(4)
N/A
23
N/A
3
-88%
(6)
N/A
19
N/A
(18)
N/A
16
N/A
10
-40%
3
-71%
8
+171%
(11)
N/A
22
N/A
(1)
N/A
(12)
-1 657%
14
N/A
(12)
N/A
(2)
+86%
64
N/A
(12)
N/A
(36)
-195%
2
N/A
(25)
N/A
15
N/A
59
+293%
11
-81%
39
+249%
17
-56%
(13)
N/A
28
N/A
(27)
N/A
5
N/A
20
+324%
4
-82%
(43)
N/A
20
N/A
20
-2%
10
-48%
72
+609%
11
-85%
145
+1 270%
(19)
N/A
193
N/A
87
-55%
6
-93%
(15)
N/A
(174)
-1 086%
(97)
+45%
(170)
-76%
51
N/A
(31)
N/A
71
N/A
74
+4%
(6)
N/A
97
N/A
(34)
N/A
57
N/A
(37)
N/A
(70)
-88%
(53)
+23%
(63)
-19%

See Also

Summary
FISI intrinsic value, competitors valuation, and company profile.
DCF Valuation
FISI stock valuation using Discount Cash Flow valuation method.
Relative Valuation
FISI stock valuation using valuation multiples.
Wall Street Estimates
FISI price targets and financial estimates made by Wall st analysts.
Profitability Analysis
Detailed analysis of the company's profitability.
Solvency Analysis
Analysis of the financial position and solvency of the company.
Financials
Income Statement, Balance Sheet, Cash Flow Statement.
Discount Rate
FISI stock discount rate: cost of equity and WACC.
Summary
DCF Valuation
Relative Valuation
Wall Street Estimates
Profitability Analysis
Solvency Analysis
Financials
Discount Rate
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