Financial Institutions, Inc. (FISI) — Financial statements
Income statement, balance sheet, and cash flow for Financial Institutions, Inc. — annual and quarterly history with growth and margin analysis.
| Metric (USD Millions) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
| Revenue & Gross Profit | ||||||
| Revenue | 378↑43.1% | 264↓20.6% | 333↑38.0% | 241↑13.7% | 212 | |
| Cost of Revenue | 145↓17.9% | 176↑30.2% | 135↑215.9% | 43↑934.9% | 4 | |
| Gross Profit | 233↑165.0% | 88↓55.4% | 197↓0.5% | 198↓4.6% | 208 | |
| Operating Expenses | ||||||
| R&D Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| General & Administrative Expenses | 88↑20.4% | 73↓6.8% | 79↑6.3% | 74↑13.4% | 65 | |
| Selling & Marketing Expenses | 0.00↓100.0% | 2↓18.3% | 2↓4.3% | 2↑18.1% | 2 | |
| SG&A Expenses | 88↑17.9% | 75↓7.0% | 81↑6.0% | 76↑13.5% | 67 | |
| Other Expenses | 54↓34.0% | 81↑51.5% | 54↑4.7% | 51↑17.3% | 44 | |
| Operating Expenses | 142↓9.1% | 156↑16.3% | 134↑5.5% | 127↑15.0% | 111 | |
| Total Costs & Expenses | 287↓13.8% | 332↑23.3% | 270↑58.4% | 170↑48.2% | 115 | |
| Operating Results | ||||||
| Operating Income | 91↑234.1% | -68↓208.1% | 63↓11.2% | 71↓27.0% | 97 | |
| Depreciation & Amortization | 0.00↓100.0% | 8↓5.1% | 8↓0.3% | 8↑0.8% | 8 | |
| EBITDA | 91↑251.1% | -60↓185.0% | 71↓10.0% | 79↓24.9% | 105 | |
| EBIT | 91↑234.1% | -68↓208.1% | 63↓11.2% | 71↓27.0% | 97 | |
| Interest & Other Income | ||||||
| Net Interest Income | 200↑22.2% | 164↓1.3% | 166↓1.0% | 167↑8.2% | 155 | |
| Interest Income | 333↑6.3% | 313↑9.5% | 286↑45.9% | 196↑17.3% | 167 | |
| Interest Expense | 133↓11.1% | 150↑24.3% | 120↑319.1% | 29↑130.3% | 12 | |
| Non-Operating Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Other Income / Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Income Before Tax | 91↑234.1% | -68↓208.1% | 63↓11.2% | 71↓27.0% | 97 | |
| Income Tax Expense | 16↑162.2% | -27↓307.2% | 13↓11.2% | 14↓26.3% | 20 | |
| Net Income & EPS | ||||||
| Net Income from Continuing Operations | 75↑279.8% | -42↓182.9% | 50↓11.2% | 57↓27.2% | 78 | |
| Net Income from Discontinued Operations | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Net Income | 75↑279.8% | -42↓182.9% | 50↓11.2% | 57↓27.2% | 78 | |
| Bottom-Line Net Income | 73↑270.3% | -43↓188.3% | 49↓11.4% | 55↓27.7% | 76 | |
| EPS (Basic) | 3.65↑232.7% | -2.75↓186.8% | 3.17↓11.5% | 3.58↓25.6% | 4.81 | |
| EPS (Diluted) | 3.61↑231.3% | -2.75↓187.3% | 3.15↓11.5% | 3.56↓25.5% | 4.78 | |
| Weighted Average Shares | 20↑28.2% | 16↑2.0% | 15↓0.1% | 15↓2.9% | 16 | |
| Weighted Average Diluted Shares | 20↑29.6% | 16↑1.3% | 15↑0.0% | 15↓2.9% | 16 | |
* All figures in Millions of USD, except per share data. Growth rates calculated Year-over-Year (YoY). Data source: SEC Filings.