Financial Institutions, Inc. (FISI)

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

Grade4.6

◀ Past 4.8● Present 4.4▶ Future 4.7

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Income statement, as filed

In thousands of US dollars (USD), as filed; per-share figures in US dollars; share counts in thousands. The fiscal year ends in December.

Income statement, by fiscal year, newest first
Fiscal year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Period ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019	Dec 31, 2018	Dec 31, 2017	Dec 31, 2016
Report filed	Mar 9, 2026	Mar 12, 2025	Mar 13, 2024	Mar 9, 2023	Mar 10, 2022	Mar 15, 2021	Mar 4, 2020	Mar 8, 2019	Mar 14, 2018	Mar 7, 2017
For lenders
Interest and dividend income	332,989	313,231	286,133	196,107	167,205	161,299	168,800	152,732	130,110	115,231
Interest expense on deposits and borrowings	133,003	149,642	120,418	28,735	·	·	·	·	·	·
Net interest income	199,986	163,589	165,715	167,372	154,730	138,985	129,912	122,864	112,615	102,690
Provision for credit losses	11,626	6,150	13,681	13,311	·	27,184	8,044	8,934	13,361	9,638
Net interest income after provision	188,360	157,439	152,034	154,061	163,066	111,801	121,868	113,930	99,254	93,052
Noninterest income	44,955	-46,681	48,244	46,271	46,906	43,176	40,381	36,478	34,730	35,760
Noninterest expense	141,961	178,906	137,225	129,362	112,750	109,254	102,828	100,876	90,513	84,671
Interest expense	·	·	120,418	28,735	12,475	22,314	38,888	29,868	17,495	12,541
Income before income taxes	91,354	-68,148	63,053	70,970	97,222	45,723	59,421	49,532	43,471	44,141
Income tax expense	16,487	-26,502	12,789	14,397	19,525	7,391	10,559	10,006	9,945	12,210
Net income including non-controlling interests	74,867	-41,646	50,264	56,573	77,697	38,332	48,862	39,526	33,526	·
Net income	74,867	-41,646	50,264	56,573	77,697	38,332	48,862	39,526	33,526	31,931
Preferred dividends	1,458	1,459	1,459	1,459	1,460	1,461	1,461	1,461	1,462	1,462
Net income to common shareholders	73,409	-43,105	48,805	55,114	76,237	36,871	47,401	38,065	32,064	30,469
Earnings per share, basic	3.65	-2.75	3.17	3.58	4.81	2.30	2.97	2.39	2.13	2.11
Earnings per share, diluted	3.61	-2.75	3.15	3.56	4.78	2.30	2.96	2.39	2.13	2.10
Weighted average shares, basic	20,099	15,683	15,376	15,384	15,841	16,022	15,972	15,910	15,044	14,436
Weighted average shares, diluted	20,318	15,683	15,475	15,471	15,937	16,063	16,031	15,956	15,085	14,491

As filed with the SEC, each figure from the newest report that carries it, and linked to it. Nothing here is computed.A dot is a line not tagged for that period. ^r restated by the company in a later report; ^b a share figure put on the newest basis or filed in the wrong unit. Hover a figure for its filing and note.

What each line is, and the XBRL concept behind it

Interest and dividend income what its loans and securities earnedus-gaap:InterestAndDividendIncomeOperating

Interest expense on deposits and borrowings what it paid for the money it lendsus-gaap:InterestExpenseOperating

Net interest income interest earned less interest paidus-gaap:InterestIncomeExpenseNet

Provision for credit losses set aside for loans that may not be repaidus-gaap:ProvisionForLoanLeaseAndOtherLosses

Net interest income after provision interest income left after the provisionus-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss

Noninterest income fees and other income that is not interestus-gaap:NoninterestIncome

Noninterest expense salaries, buildings and the other costs of running the bankus-gaap:NoninterestExpense

Interest expense what its borrowing costus-gaap:InterestExpense

Income before income taxes profit before taxus-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest

Income tax expense tax charged on the period's profitus-gaap:IncomeTaxExpenseBenefit

Net income including non-controlling interests the whole group's profit, minority holders' share includedus-gaap:ProfitLoss

Net income the profit or loss that belongs to the company's shareholdersus-gaap:NetIncomeLoss

Preferred dividends paid to preferred holders before common shareholdersus-gaap:PreferredStockDividendsIncomeStatementImpact

Net income to common shareholders what is left for common shareholdersus-gaap:NetIncomeLossAvailableToCommonStockholdersBasic

Earnings per share, basic net income per share outstandingus-gaap:EarningsPerShareBasic

Earnings per share, diluted net income per share, counting every share that could be issuedus-gaap:EarningsPerShareDiluted

Weighted average shares, basic the average count of shares outstandingus-gaap:WeightedAverageNumberOfSharesOutstandingBasic

Weighted average shares, diluted the average count with every share that could be issuedus-gaap:WeightedAverageNumberOfDilutedSharesOutstanding

SI Assistanton FISI · research, not advice