Financial Institutions, Inc. (FISI)

Nasdaq: FISI · National Commercial Banks · Warsaw, NY · filing with the SEC since 1999

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Grade4.6

◀ Past 4.8● Present 4.4▶ Future 4.7

Overview Business Financials Grade Forecast Sentiment Ownership People Filings Patents Chart

The companyfiscal 2025, as filed

Revenue$333M+6.3%

Net income$73.4M+270.3%

Earnings per share$3.61+231.3%

Operating cash flow$18.8M-75.6%

Cash$109M+24.5%

Debt$194M+55.1%

Shareholders’ equity$629M+10.5%

Shares, diluted20.3M+29.6%

Return on equity11.7%

The recordfrom its filings

Filings in 202667

Newest filingNov 9 · 10-Q

Annual reportMar 9, 2026

Quarterly reportNov 9, 2026

Next report due10-K by Mar 16

Insider sales, 12 months$0.00

Insider buys, 12 months$100,000

Patents grantedn/a

Filer categoryAccelerated filer

Trailing twelve months to Sep 2026Revenue $334MNet income $80.7MCash from operations $101Mthe four newest filed quarters added

Left: the newest annual report, with the change on the year before. Right: counted from the company's own filings with the SEC.

Revenue and net income by fiscal yearRevenueNet income

16171819202122232425

As filed, in USD. Nothing here is a forecast.

News

Nov 9, 2026 · SEC EDGAR · Form 10-Q

Quarterly report

Open the filing on sec.gov

Nov 3, 2026 · SEC EDGAR · Form 4

Insider trade report

Open the filing on sec.gov

Oct 29, 2026 · SEC EDGAR · Form 8-K

Results released

Open the filing on sec.gov

Sep 28, 2026 · SEC EDGAR · Form 4

Insider trade report

Open the filing on sec.gov

Sep 8, 2026 · SEC EDGAR · Form 8-K

Current report

Open the filing on sec.gov

Sep 3, 2026 · SEC EDGAR · Form 4

Insider trade report

Open the filing on sec.gov

Aug 26, 2026 · SEC EDGAR · Form 8-K

Current report

Open the filing on sec.gov

Aug 3, 2026 · SEC EDGAR · Form 10-Q

Quarterly report

Open the filing on sec.gov

Jul 28, 2026 · SEC EDGAR · Form SCHEDULE 13G/A

Large holder update, amended

Open the filing on sec.gov

Jul 23, 2026 · SEC EDGAR · Form 8-K

Current report

Open the filing on sec.gov

An outside story is shown by its headline, its source and its link only. The SI reads the page when you ask it to break one down.

SI brieffrom the record

Core business

Financial Institutions, Inc. is classed by the SEC under National Commercial Banks (industry code 6021), based in Warsaw, NY.

Newest on the record

Quarterly report on Nov 9. Before it, insider trade report on Nov 3.

What is due next

The 10-K for the period to Dec 31, 2026, due by Mar 16, 2027.

About FISI

Financial Institutions, Inc. is classed by the SEC under National Commercial Banks (industry code 6021), based in Warsaw, NY. In its latest annual figures on file, for the fiscal year ended 2025-12-31, it reported revenue of $333 million and a profit of $73 million (its filed statements).

IndustryNational Commercial Banks

HeadquartersWarsaw, NY

Business modelLending business

ExchangeNasdaq, OTC, OTC

Filing since1999

Fiscal year endsDec 31

SEC number (CIK)862831

Peers on fileSHBI, WABC, SMBK, CHCO

Who runs it

Financial performance

In fiscal 2025 Financial Institutions’s revenue was $333.0 million, up 6.3% from $313.2 million the year before. Net income was $73.41 million.

Annual report, filed Mar 9, 2026.

Financial statements

The grade

Financial Institutions grades 4.6 of 10 against its own industry, the 83 companies in National Commercial Banks. All nine metrics are read as filed.

◀ Past4.8

● Present4.4

▶ Future4.7

How the grade is made

Forecast

Every forecast is registered before the outcome, with the rule that settles it. A miss stays on the page.

Company forecasts

SI Assistanton FISI · research, not advice