FISINasdaqNational Commercial BanksFiscal year ends December 31Also trades as FIISO, FIISP

FINANCIAL INSTITUTIONS INC

Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 3, 2026

$39.19−0.12 (-0.31%)

Close on Oct 19, 2026

Market cap: $781.49M
P/E (TTM): 9.7
Dividend yield: 3.16%

FINANCIAL INSTITUTIONS INC income statement

Annual Quarterly TTM

Millions of USD, except per-share data. Shares in millions.

Line item	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31	FY 2020 2020-12-31	FY 2019 2019-12-31	FY 2018 2018-12-31	FY 2017 2017-12-31	FY 2016 2016-12-31	FY 2015 2015-12-31	FY 2014 2014-12-31	FY 2013 2013-12-31	FY 2012 2012-12-31	FY 2011 2011-12-31	FY 2010 2010-12-31	FY 2009 2009-12-31
Revenue	245	117	214	214	202	182	170	159	147	138	126	119	116	113	106	98	91
Advertising Expenses	1.81	1.57	1.93	2.01	1.70	2.61	3.58	3.58	2.17	2.10	1.99	0.97	0.90	0.93	1.26	1.12	0.95
Interest Expense	–	–	120	29	12	22	39	30	17	13	10	7.28	7.34	9.05	13	18	22
Merger & Restructuring Charges	–	0.04	0.11	1.62	0.11	1.49	–	–	–	–	–	–	–	–	–	–	–
Asset Impairment Charges	0	0	0	0	0	0	0	2.35	1.58	0	0.75	0	0	–	–	–	–
Gain (Loss) on Sale of Assets	0	14	0	0	–	–	–	–	–	–	–	–	–	–	–	–	–
Pretax Income	91	-68	63	71	97	46	59	50	43	44	39	39	38	35	34	31	21
Income Tax Expense	16	-27	13	14	20	7.39	11	10	9.95	12	11	9.63	12	11	11	9.35	6.14
Net Income incl. Noncontrolling Interests	75	-42	50	57	78	38	49	40	34	–	–	29	26	23	23	21	14
Net Income	75	-42	50	57	78	38	49	40	34	32	28	29	26	–	–	–	–
Preferred Dividends	1.46	1.46	1.46	1.46	1.46	1.46	1.46	1.46	1.46	1.46	1.46	1.46	1.47	–	–	–	–
Net Income to Common	73	-43	49	55	76	37	47	38	32	30	27	28	24	22	20	18	11
EPS (Basic)(per share)	3.65	-2.75	3.17	3.58	4.81	2.30	2.97	2.39	2.13	2.11	1.91	2.01	1.75	1.60	1.50	1.62	0.99
EPS (Diluted)(per share)	3.61	-2.75	3.15	3.56	4.78	2.30	2.96	2.39	2.13	2.10	1.90	2.00	1.75	1.60	1.49	1.61	0.99
Shares Outstanding (Basic, Weighted)(shares)	20	16	15	15	16	16	16	16	15	14	14	14	14	14	13	11	0.01
Shares Outstanding (Diluted, Weighted)(shares)	20	16	15	15	16	16	16	16	15	14	14	14	14	14	13	11	0.01
Dividend per Share(per share)	1.24	1.20	1.20	1.16	1.08	1.04	1.00	0.96	0.85	0.81	0.80	0.77	0.74	0.57	0.47	0.40	0.40
Total Interest Income	333	313	286	196	167	161	169	153	130	115	105	101	99	98	95	97	94
Net Interest Income	200	164	166	167	155	139	130	123	113	103	95	94	92	89	82	79	72
Non-Interest Income	45	-47	48	46	47	43	40	36	35	36	30	25	25	25	24	19	19
Provision for Credit Losses	12	6.15	14	13	–	27	8.04	8.93	13	9.64	7.38	7.79	9.08	7.13	7.78	6.69	7.70
Non-Interest Expense	142	179	137	129	113	109	103	101	91	85	79	72	69	71	64	61	63

Italic numbers are calculated by StockData (for example Q4 = full year − nine months). Per-share data and share counts are adjusted for stock splits. Hover a number for its source; click it to open the filing on SEC.gov. Click a row to chart it.

Ratios

Latest available, balances at Jun 30, 2026

Profitability, TTM

Gross margin: –
Operating margin: –
Net margin: 32.4%
Return on equity, FY2025: 12.5%

Financial strength

Current ratio: –
Debt to equity: –
Debt to assets: –
Cash to current liabilities: –

Valuation

P/E ratio: 9.7
Price to sales: 3.07
Price to book: 1.21
Dividend yield: 3.16%