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Financial Institutions Inc
NASDAQ:FISI

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Financial Institutions Inc
NASDAQ:FISI
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Price: 32.41 USD 1.22% Market Closed
Market Cap: $652.4m
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Financials Section:
Income Statement Balance Sheet Cash Flow Statement

Income Statement

Net Interest Income
+
3Y
+19%
5Y
+44%
10Y
+110%
Non Interest Income
+
3Y
-3%
5Y
+4%
10Y
+48%
Net Income
+
3Y
+33%
5Y
+99%
10Y
+173%

Income Statement
Financial Institutions Inc

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Income Statement
Currency: USD
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 Dec-2025
Revenue
Net Interest Income
69
72
75
76
77
77
76
76
75
75
75
75
75
73
71
68
65
63
61
60
58
57
57
58
59
61
63
65
68
69
70
72
74
76
78
79
79
80
81
82
83
84
87
89
90
92
91
92
92
93
93
94
94
94
95
95
97
99
101
103
105
107
110
113
115
118
121
123
125
127
129
130
131
133
136
139
144
147
150
155
156
160
165
167
170
170
169
166
164
163
162
164
170
178
189
200
Interest Income
117
118
118
118
118
117
114
112
109
107
106
106
106
106
105
104
103
103
103
103
104
104
105
105
105
103
101
99
97
96
95
95
95
96
97
97
96
96
96
95
95
95
96
98
99
99
99
99
99
100
100
101
101
102
104
106
108
110
113
115
118
121
125
130
135
141
146
153
159
165
168
169
169
166
163
161
161
162
164
167
168
173
182
196
218
243
267
286
301
308
312
313
316
320
326
333
Interest Expense
48
46
44
43
42
40
38
36
34
32
31
31
31
32
34
36
38
40
42
44
46
47
48
47
45
41
38
34
29
27
24
22
21
20
19
18
17
16
15
13
12
11
10
9
8
8
7
7
7
7
7
7
7
8
9
10
11
12
12
13
13
14
16
17
20
23
26
30
34
37
39
39
38
33
27
22
17
15
14
12
12
12
17
29
48
73
98
120
137
146
150
150
145
142
137
133
Non Interest Income
18
20
21
22
23
24
26
23
26
25
24
22
21
20
30
29
29
30
22
22
22
21
20
21
21
17
(19)
(49)
(49)
(45)
(11)
19
18
19
19
20
21
21
23
24
24
26
24
25
26
26
25
25
25
25
26
25
27
27
27
30
31
34
35
36
34
35
35
35
36
35
36
37
36
37
40
40
41
42
42
43
46
47
46
47
45
46
47
46
46
46
44
48
48
61
60
(47)
(47)
(61)
(58)
45
Revenue
87
N/A
92
+5%
96
+4%
98
+2%
100
+2%
101
+1%
102
+0%
98
-3%
101
+3%
100
-1%
99
-1%
98
-2%
97
-1%
94
-3%
100
+7%
97
-3%
94
-3%
93
-2%
83
-10%
81
-2%
80
-2%
78
-2%
78
-1%
79
+1%
80
+1%
78
-2%
45
-43%
17
-63%
19
+14%
24
+27%
59
+147%
91
+55%
92
+1%
95
+3%
97
+3%
98
+1%
100
+2%
100
+1%
104
+4%
106
+2%
107
+1%
110
+3%
111
+1%
113
+2%
116
+3%
117
+1%
117
0%
116
0%
117
+0%
117
+1%
119
+1%
119
+0%
121
+1%
121
+0%
122
+1%
126
+3%
128
+2%
132
+3%
136
+3%
139
+2%
139
+1%
142
+2%
144
+2%
147
+2%
151
+3%
153
+1%
157
+2%
159
+2%
162
+1%
165
+2%
169
+3%
170
+1%
172
+1%
175
+1%
178
+2%
182
+3%
190
+4%
194
+2%
196
+1%
202
+3%
202
+0%
207
+2%
212
+3%
214
+1%
216
+1%
216
+0%
213
-2%
214
+1%
212
-1%
224
+5%
222
-1%
117
-47%
123
+5%
118
-4%
131
+12%
245
+86%
Pre-Tax Income
Loan Loss Provision
(5)
(5)
(5)
(6)
(8)
(13)
(17)
(23)
(24)
(21)
(18)
(20)
(19)
(38)
(37)
(29)
(25)
(2)
0
2
2
1
0
(0)
(1)
(2)
(4)
(7)
(8)
(8)
(9)
(8)
(6)
(6)
(6)
(7)
(7)
(6)
(8)
(8)
(8)
(8)
(7)
(7)
(8)
(8)
(9)
(9)
(8)
(9)
(8)
(8)
(8)
(8)
(7)
(7)
(7)
(8)
(9)
(10)
(10)
(12)
(13)
(13)
(14)
(10)
(9)
(9)
(7)
(9)
(9)
(8)
0
0
0
0
2
7
7
8
4
(1)
(6)
(13)
(15)
(18)
(15)
(14)
(4)
(3)
(5)
(6)
(15)
(15)
(15)
(12)
Non Interest Expense
(47)
(50)
(52)
(53)
(57)
(58)
(60)
(57)
(61)
(60)
(61)
(62)
(62)
(65)
(66)
(66)
(64)
(62)
(61)
(60)
(58)
(58)
(58)
(57)
(58)
(58)
(57)
(58)
(59)
(61)
(63)
(63)
(61)
(60)
(60)
(61)
(62)
(62)
(64)
(64)
(64)
(66)
(70)
(71)
(73)
(74)
(70)
(69)
(69)
(69)
(70)
(72)
(74)
(76)
(77)
(79)
(82)
(84)
(86)
(85)
(84)
(86)
(88)
(91)
(94)
(93)
(96)
(101)
(102)
(103)
(104)
(103)
(119)
(125)
(131)
(136)
(121)
(118)
(115)
(113)
(116)
(122)
(126)
(129)
(133)
(134)
(136)
(137)
(158)
(157)
(155)
(179)
(159)
(161)
(165)
(142)
Pre-Tax Income
35
N/A
37
+5%
39
+6%
39
+0%
35
-10%
30
-14%
25
-17%
18
-27%
16
-14%
19
+18%
21
+11%
16
-22%
16
-3%
(9)
N/A
(3)
+65%
3
N/A
5
+59%
29
+523%
23
-20%
24
+2%
23
-1%
21
-12%
20
-4%
21
+7%
21
+0%
18
-14%
(16)
N/A
(48)
-190%
(48)
-2%
(46)
+5%
(13)
+71%
21
N/A
25
+20%
29
+16%
32
+11%
31
-4%
31
+2%
32
+3%
33
+1%
34
+5%
35
+2%
36
+4%
34
-6%
35
+3%
35
-1%
35
+1%
38
+9%
38
N/A
39
+3%
39
0%
40
+3%
39
-3%
38
-2%
38
-2%
38
+1%
39
+2%
40
+2%
40
+2%
41
+2%
44
+7%
45
+2%
44
-2%
44
-1%
44
0%
44
+1%
50
+14%
51
+3%
50
-4%
53
+6%
52
-2%
56
+8%
59
+7%
46
-22%
46
-2%
44
-4%
46
+5%
70
+54%
82
+17%
89
+8%
97
+9%
90
-8%
84
-7%
80
-4%
71
-12%
67
-5%
65
-4%
63
-3%
63
+1%
51
-20%
64
+26%
62
-2%
(68)
N/A
(49)
+28%
(58)
-17%
(48)
+18%
91
N/A
Net Income
Tax Provision
(12)
(12)
(13)
(12)
(11)
(9)
(7)
(4)
(3)
(4)
(5)
(3)
(3)
7
4
2
1
(8)
(6)
(6)
(6)
(5)
(5)
(5)
(5)
(3)
(3)
21
21
20
19
(6)
(8)
(9)
(10)
(9)
(10)
(10)
(11)
(11)
(12)
(12)
(11)
(11)
(11)
(11)
(12)
(12)
(12)
(12)
(13)
(10)
(9)
(9)
(8)
(11)
(10)
(11)
(11)
(12)
(13)
(13)
(12)
(13)
(12)
(12)
(11)
(10)
(11)
(11)
(12)
(11)
(8)
(7)
(6)
(7)
(12)
(15)
(17)
(20)
(18)
(16)
(16)
(14)
(14)
(12)
(10)
(13)
(10)
(12)
(11)
27
23
23
20
(16)
Income from Continuing Operations
23
25
26
27
24
21
18
14
13
15
16
13
13
(3)
1
5
6
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
25
26
27
27
28
29
29
28
30
28
29
30
30
32
32
31
31
31
32
38
40
40
42
41
43
49
38
38
38
38
58
67
72
78
72
67
64
57
54
52
53
50
40
52
51
(42)
(27)
(36)
(28)
75
Net Income (Common)
22
N/A
23
+7%
25
+7%
25
+2%
23
-10%
20
-13%
17
-14%
13
-24%
11
-13%
13
+17%
14
+8%
11
-24%
11
0%
(7)
N/A
(3)
+56%
1
N/A
2
+204%
19
+814%
16
-19%
16
+1%
16
-1%
14
-12%
14
+0%
15
+8%
15
+1%
13
-12%
(20)
N/A
(28)
-36%
(29)
-5%
(28)
+2%
3
N/A
11
+301%
13
+21%
16
+20%
18
+14%
18
-2%
17
-4%
18
+7%
18
+2%
20
+7%
22
+11%
23
+4%
21
-5%
22
+3%
22
0%
22
+1%
24
+9%
24
+0%
25
+4%
25
+1%
26
+4%
28
+6%
27
-1%
27
-2%
28
+4%
27
-5%
28
+3%
28
+2%
28
+1%
31
+7%
31
+1%
30
-3%
30
-1%
32
+8%
33
+4%
39
+18%
42
+6%
38
-8%
40
+6%
40
-2%
42
+6%
47
+13%
37
-22%
37
-1%
36
-2%
37
+2%
56
+53%
66
+16%
70
+7%
76
+8%
71
-7%
66
-6%
63
-5%
55
-12%
52
-5%
51
-2%
51
+0%
49
-5%
39
-21%
50
+28%
49
-1%
(43)
N/A
(28)
+34%
(36)
-27%
(29)
+20%
73
N/A
EPS (Diluted)
1.93
N/A
2.06
+7%
2.19
+6%
2.23
+2%
2.02
-9%
1.75
-13%
1.5
-14%
1.14
-24%
0.99
-13%
1.14
+15%
1.25
+10%
0.95
-24%
0.94
-1%
-0.6
N/A
-0.26
+57%
0.06
N/A
0.18
+200%
1.72
+856%
1.39
-19%
1.4
+1%
1.39
-1%
1.22
-12%
1.23
+1%
1.33
+8%
1.36
+2%
1.2
-12%
-1.9
N/A
-2.54
-34%
-2.69
-6%
-2.6
+3%
0.25
N/A
0.99
+296%
1.2
+21%
1.43
+19%
1.63
+14%
1.61
-1%
1.46
-9%
1.3
-11%
1.33
+2%
1.49
+12%
1.57
+5%
1.64
+4%
1.55
-5%
1.6
+3%
1.59
-1%
1.6
+1%
1.74
+9%
1.75
+1%
1.83
+5%
1.84
+1%
1.88
+2%
2
+6%
1.94
-3%
1.93
-1%
2
+4%
1.9
-5%
1.91
+1%
1.97
+3%
1.97
N/A
2.1
+7%
2.12
+1%
2.05
-3%
1.94
-5%
2.12
+9%
2.09
-1%
2.46
+18%
2.6
+6%
2.39
-8%
2.53
+6%
2.48
-2%
2.62
+6%
2.96
+13%
2.31
-22%
2.29
-1%
2.25
-2%
2.3
+2%
3.52
+53%
4.1
+16%
4.41
+8%
4.78
+8%
4.49
-6%
4.28
-5%
4.07
-5%
3.56
-13%
3.39
-5%
3.31
-2%
3.31
N/A
3.15
-5%
2.5
-21%
3.11
+24%
3.07
-1%
-2.75
N/A
-1.4
+49%
-1.78
-27%
-1.43
+20%
3.61
N/A

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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