FISI

NASDAQ · Banking

Financial Institutions Inc

Small-Cap Stocks Bank & Financial Stocks Best Dividend Stocks Highest Dividend Yield Monthly Dividend Payers

$39.37

-1.51 (-3.69%)

As of Nov 7, 1:59 AM ET ·

Financial Highlights (FY 2026)

Revenue

270.53M

Net Income

72.19M

Gross Margin

—

Profit Margin

26.5%

Rev Growth

+5.1%

D/E Ratio

0.23

Revenue & Net Income

Margin Trends

	FY 2026	FY 2025	FY 2024	FY 2023
Gross Margin	—	—	30.3%	30.3%
Operating Margin	33.2%	29.9%	34.5%	36.3%
Profit Margin	26.5%	25.2%	27.9%	24.9%

Income Statement

	FY 2026	FY 2025	FY 2024	FY 2023
Revenue	270.53M	257.33M	287.46M	265.50M
Gross Profit	—	—	87.08M	80.43M
Operating Income	89.87M	76.93M	99.25M	96.35M
Net Income	72.19M	61.80M	80.12M	66.22M
Gross Margin	—	—	30.3%	30.3%
Operating Margin	33.2%	29.9%	34.5%	36.3%
Profit Margin	26.5%	25.2%	27.9%	24.9%
Rev Growth	+5.1%	+5.1%	-3.8%	-2.3%

Balance Sheet

	FY 2026	FY 2025	FY 2024	FY 2023
Total Debt	71.70M	71.70M	185.11M	164.43M
Total Equity	313.93M	313.93M	391.80M	448.48M
D/E Ratio	0.23	0.23	0.47	0.37

Cash Flow

	FY 2026	FY 2025	FY 2024	FY 2023
EBITDA	106.36M	96.11M	140.88M	143.96M
Free Cash Flow	—	—	90.86M	49.74M