The Tip Desk

FINANCIAL INSTITUTIONS INC

Financial highlights

Amounts in millions
MetricFY 12/31/25FY 12/31/24FY 12/31/23FY 12/31/22FY 12/31/21
Income Statement
Net income$74.9-$41.6$50.3$56.6$77.7
Balance Sheet
Total debt$302.7$223.8$309.5$279.2$103.9
Cash Flow Statement
Free cash flow$13.3$72.2$7.9$125.2$63.6
Dividends$24.7$18.5$18.3$17.6$17.0
Share repurchases$11.4$0.4$0.6$15.3$9.2

Shares outstanding 19.7M · Free float 80.8%

Annual filing data through FY ended December 31, 2025; float as of October 8, 2026.

Earnings

Other Coverage