13 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →
| FY | Revenue | Net income | Gross M | Op M | ROE | ROA | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|---|---|
| 2025 | — | $75M | — | — | 11.9% | 1.2% | $13M | $303M | $109M |
| 2024 | — | -$42M | — | — | -7.3% | -0.7% | $72M | $224M | $87M |
| 2023 | — | $50M | — | — | 11.1% | 0.8% | $8M | $310M | $124M |
| 2022 | — | $57M | — | — | 13.9% | 1.0% | $125M | $279M | — |
| 2021 | — | $78M | — | — | 15.4% | 1.4% | $64M | $104M | — |
| 2020 | — | $38M | — | — | 8.2% | 0.8% | $39M | $79M | — |
| 2019 | — | $49M | — | — | 11.1% | 1.1% | $54M | $315M | — |
| 2018 | — | $40M | — | — | 10.0% | 0.9% | $62M | $509M | — |
| 2017 | — | $34M | — | — | 8.8% | 0.8% | $39M | $485M | — |
| 2016 | — | $32M | — | — | 10.0% | 0.9% | $39M | $371M | — |
| 2015 | — | $28M | — | — | 9.6% | 0.8% | $36M | $332M | — |
| 2014 | — | $29M | — | — | 10.5% | 1.0% | $30M | $335M | $58M |
| 2013 | — | $26M | — | — | 10.0% | 0.9% | $34M | $337M | $60M |
| Quarter | Revenue | Net income | Gross M | Op M | ROE | ROA | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|---|---|
| Jun '26 | — | $21M | — | — | 3.3% | 0.3% | $22M | $261M | $99M |
| Mar '26 | — | $21M | — | — | 3.3% | 0.3% | $23M | $193M | $85M |
| Dec '25 | — | $20M | — | — | 3.2% | 0.3% | $19M | $303M | $109M |
| Sep '25 | — | $20M | — | — | 3.3% | 0.3% | -$8M | $170M | $186M |
| Jun '25 | — | $18M | — | — | 2.9% | 0.3% | -$7M | $216M | $93M |
| Mar '25 | — | $17M | — | — | 2.9% | 0.3% | $9M | $180M | $167M |
| Dec '24 | — | -$83M | — | — | -14.6% | -1.4% | $27M | $224M | $87M |
| Sep '24 | — | $13M | — | — | 2.7% | 0.2% | -$299000 | $180M | — |
| Jun '24 | — | $26M | — | — | 5.5% | 0.4% | $35M | $327M | — |
| Mar '24 | — | $2M | — | — | 0.5% | 0.0% | $11M | $258M | — |
| Dec '23 | — | $10M | — | — | 2.2% | 0.2% | -$49M | $310M | $124M |
| Sep '23 | — | $14M | — | — | 3.4% | 0.2% | $43M | $194M | — |
| Jun '23 | — | $14M | — | — | 3.4% | 0.2% | $8M | $498M | — |
| Mar '23 | — | $12M | — | — | 2.9% | 0.2% | $6M | $240M | — |
| Dec '22 | — | $12M | — | — | 3.0% | 0.2% | $13M | $279M | — |
| Sep '22 | — | $14M | — | — | 3.5% | 0.2% | $34M | $143M | — |
| Jun '22 | — | $16M | — | — | 3.7% | 0.3% | $35M | $183M | — |
| Mar '22 | — | $15M | — | — | 3.4% | 0.3% | $43M | $74M | — |
| Dec '21 | — | $20M | — | — | 3.9% | 0.4% | $32M | $104M | — |
| Sep '21 | — | $17M | — | — | 3.5% | 0.3% | $6M | $74M | — |
How the market has priced FISI against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.
See the revenue and net-income charts above for Financial Institutions Inc's multi-year trend.
As of FY2025, Financial Institutions Inc reported $303M of total debt against $109M of cash.
In FY2025, gross margin was —, operating margin —, and net margin —.
As of Sep '26, Financial Institutions Inc traded at a price-to-earnings ratio of about 10.8× (market cap ÷ latest annual net income). The valuation charts above show how its P/E and dividend yield have moved with the share price. These are computed facts, not advice.
All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.
Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.