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    Banks - Regional
Financial Institutions, Inc. 8.48% SRB1 PFD B

Financial Institutions, Inc. 8.48% SRB1 PFD B

FIISO
Financial Institutions, Inc. 8.48% SRB1 PFD BUS flagOther OTC
115.65
USD
- -
- -
2.28BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Basic EPS, GAAP
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Tangible Book Value per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Basic Weighted Avg Shares
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Sales/Revenue/Turnover
116
120
125
138
147
158
170
182
200
212
212
115
244
249
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
4
5
5
6
6
6
8
8
8
8
8
8
8
8
Net Income, GAAP
26
29
28
32
34
40
49
38
78
57
50
-42
75
79
Effective Tax Rate (%)
32.65
24.69
27.11
27.66
22.88
20.2
17.77
16.16
20.08
20.29
20.28
- -
18.05
17.36
Profit Margin (%)
22.09
24.39
22.64
23.11
22.77
24.99
28.75
21.05
38.94
26.64
23.69
-36.36
30.74
31.7
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
- -
- -
39
39
39
39
39
74
74
107
158
158
225
111
Total Equity
255
280
294
320
381
396
439
468
505
406
455
569
629
632
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
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Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
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Return on Common Equity (%)
13.42
14.31
12.72
13.34
12.95
14.17
15.97
11.55
21.5
13.68
11.18
-10.25
17.77
18.22

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
55
109
114
LT Borrowings
115
194
79
LT Finance Leases
32
32
32
Preferred Equity and Hybrid Capital
17
17
17
Shares Outstanding
20
20
20
Market Capitalization
- -
- -
- -

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
186
109
185
Accounts Receivable, Net
26
25
25
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
20
21
20
ST Debt
55
109
114
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
8.54%
7.18%
10.52%
Free Cash Flow
82.63%
159.39%
-81.63%
Net Income, GAAP
-36.06%
-79.65%
-279.77%
Sales/Revenue/Turnover
12.15%
16.51%
112.65%
Total Cash Common Dividend
8.57%
9.04%
33.49%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
51
64
50
-50
115
2025
57
59
64
64
244
2026
62
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -

Company Description

APIChatGPT
CEO
Martin Kearney Birmingham
Full Time Employees
631
Sector
Financial Services
Industry
Banks - Regional
Address
1800 Continental Blvd Warsaw NY United States of America 90266
IPO Date
Feb 18, 2014
CIK
0000862831
Website
financialinstitutionsinc.q4ir.com
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Business
Financial Institutions, Inc. (Nasdaq: FISI) operates as a financial holding company headquartered in Warsaw, New York, and founded in 1931, offering banking, wealth management, and related financial services primarily to consumer, commercial, municipal, healthcare, not-for-profit, and business customers in Western and Central New York, with a commercial loan production office serving the Mid-Atlantic region including Baltimore and Washington, D.C. Through its principal subsidiary Five Star Bank, the company provides retail banking products including checking and savings accounts, money market accounts, certificates of deposit, NOW accounts, individual retirement accounts, sweep investments, residential mortgages, home equity loans, and consumer loans; commercial banking services encompassing term loans, lines of credit, short- and medium-term working capital loans, business expansion loans, commercial real estate mortgages, and municipal lending; and a Mid-Atlantic loan production office. Its Courier Capital, LLC subsidiary delivers customized investment management, financial planning, consulting, retirement plan services, and investment advisory to individuals, families, businesses, institutions, foundations, and non-profits, following the 2023 merger with HNP Capital, LLC that expanded retirement and institutional capabilities; the company previously offered insurance through SDN Insurance Agency, LLC before selling its assets to NFP Property & Casualty Services, Inc. Recent developments include the September 2024 announcement to wind down Banking-as-a-Service operations representing under 1% of loans and 2% of deposits as of June 2024 to refocus on core banking and wealth franchises; a new share repurchase authorization in September 2025 for up to 1,006,379 common shares or 5% of outstanding shares following a Q4 2024 public equity offering; December 2023 executive leadership realignment and 3.4% headcount reduction to streamline operations and enhance strategy execution; sustained loan growth to $4.59 billion as of September 30, 2025 with commercial loans up 8.3% year-over-year; and net interest margin expansion to 3.49% in Q2 2025 amid investment portfolio restructuring and deposit cost management, supporting assets of approximately $6.3 billion.