All three tenses have at least two readings, so the archetype blend applies as printed.
All nine metrics read as filed from the record.
What did they actually do?
Has it survived what it has been through?
1 warning event since 2017; the latest 2018-03-22.
From the record
Financial Institutions, Inc.'s filings since 2017 show 1 warning event: an auditor change (8-K item 4.01, the latest 2018-03-22) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+12.5% a year over 10 filed years; profitable in 9 of 10.
From the record
Financial Institutions, Inc.'s 10 filed years say what it did: revenue went from $115 million in fiscal 2016 to $333 million in fiscal 2025, up 12.5% a year; it rose in 8 of 9 years; the deepest fall was 4% from fiscal 2019 to fiscal 2020; net income was positive in 9 of 10 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
Share count grew 9.5% a year. 69% of cash flow returned. Insiders: 0 sales, 3 purchases.
From the record
Over the 3 fiscal years to 2025-12-31, Financial Institutions, Inc.'s diluted share count grew about 9.5% a year, and dividends and buybacks returned about 69% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 0 sales and 3 purchases of their own stock on the open market in the year to 2026-11-03, buying about $108 thousand (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
ROE 12%: 12¢ of profit per shareholder dollar. Leverage 90%: owes 90¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, Financial Institutions, Inc. earned about 12 cents of profit for every dollar of shareholders' money. Leverage: it owed about 90 cents per dollar of assets, and net share issuance: its share count grew 29.6% over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
bottom 45% of 79 in its family; net margin 22%.
From the record
Financial Institutions, Inc.'s standing among 79 graded names in its industry family: revenue of $333 million in fiscal 2025 ranks in the bottom 36% by size; a net margin of 22% ranks in the bottom 47%; revenue growth of 19.3% a year over the last 3 filed years ranks in the top 47% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
bottom 49% of 74 in its family for leadership; chief executive since 2013.
From the record
Financial Institutions, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Birmingham, Martin Kearney (President & CEO, as filed), filing under that title since 2013-08-12, 13.3 years (top 19% of its family); the 20 officers and directors filing in the last fifteen months have been on the record a median of 5.6 years (bottom 26%); 8 officer or director changes were reported on Form 8-K since 2023-11-13, against the 20 people in charge now (bottom 41%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they set up to do next?
How much room does it have to grow?
bottom 12% of 71 in its family for room to expand.
From the record
Financial Institutions, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $109 million against debt of $194 million leaves -1.4% of its assets as net cash, bottom 16% of its family; cash from operations less capital spending is 4% of revenue (bottom 7%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
bottom 47% of 79 in its family for growth drivers.
From the record
Financial Institutions, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 19.3% a year over the last three filed years against 12.5% over all 10, speeding up (top 39% of its family); the newest year grew 6.3% (top 37%); capital spending grew -12.8% a year (bottom 17%) (its annual reports). Financial Institutions, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
top 17% of 76 in its family for expectations against reality.
From the record
Financial Institutions, Inc.'s newest year against its own record: revenue of $333 million in fiscal 2025 came in 15.9% below the $396 million its prior three years' pace pointed to (top 47% of its family); net income of $73 million against a prior three-year average of $20 million (top 2%); a net margin of 22% against 10.5% before (top 3%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made