FINANCIAL INSTITUTIONS INC
Financial highlights
| Metric | FY 12/31/25 | FY 12/31/24 | FY 12/31/23 | FY 12/31/22 | FY 12/31/21 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Interest expense | — | — | $120.4M | $28.7M | $12.5M |
| Pretax income | $91.4M | -$68.1M | $63.1M | $71.0M | $97.2M |
| Income tax expense | $16.5M | -$26.5M | $12.8M | $14.4M | $19.5M |
| Net income | $74.9M | -$41.6M | $50.3M | $56.6M | $77.7M |
| Balance Sheet | |||||
| Cash and equivalents | $108.8M | $87.3M | $124.4M | — | — |
| Total assets | $6.3B | $6.1B | $6.2B | $5.8B | $5.5B |
| Total liabilities | $5.6B | $5.5B | $5.7B | $5.4B | $5.0B |
| Total debt | $302.7M | $223.8M | $309.5M | $279.2M | $103.9M |
| Stockholders' equity | $628.9M | $569.0M | $454.8M | $405.6M | $505.1M |
| Cash Flow Statement | |||||
| Cash from operations | $18.8M | $77.1M | $10.9M | $133.6M | $73.0M |
| Depreciation and amortization | $7.9M | $7.7M | $8.1M | $8.1M | $8.0M |
| Stock-based compensation | $3.1M | $1.6M | $1.7M | $2.6M | $1.7M |
| Capital expenditure | $5.5M | $5.0M | $3.0M | $8.4M | $9.4M |
| Free cash flow | $13.3M | $72.2M | $7.9M | $125.2M | $63.6M |
| Dividends paid | $24.7M | $18.5M | $18.3M | $17.6M | $17.0M |
| Share repurchases | $11.4M | $426,000 | $571,000 | $15.3M | $9.2M |
| Impairments | $0 | $0 | $0 | $0 | $0 |
Shares outstanding 19.7M · Free float 85.4%
Annual filing data through FY ended December 31, 2025; float as of July 11, 2026.