Financial Institutions Inc (FISI)
Operating cash flow minus capital spending left $13.3M of free cash flow in fiscal 2025. At June 30, 2026 it held $99.2M in cash against $78.7M of debt. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on August 3, 2026.
Watch FISI in 60 secondsWhat Financial Institutions Inc does
Financial Institutions Inc is registered with the SEC under industry code SIC 6021 (National Commercial Banks). Its shares trade on NASDAQ under the ticker FISI.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | n/a | $74.9M | $3.61 | $13.3M |
| 2024 | n/a | -$41.6M | -$2.75 | $72.2M |
| 2023 | n/a | $50.3M | $3.15 | $7.9M |
| 2022 | n/a | $56.6M | $3.56 | $125.2M |
| 2021 | n/a | $77.7M | $4.78 | $63.6M |
| 2020 | n/a | $38.3M | $2.30 | $39.2M |
Full financial statements: income, balance sheet and cash flow
Dividends
Financial Institutions Inc declared $1.24 per share in fiscal 2025. At the current price that is a yield of 3.14%. It paid out $24.7M in cash dividends, 33% of its net income.
| Fiscal year | Per share | Paid out | Of profit |
|---|---|---|---|
| 2025 | $1.24 | $24.7M | 33% |
| 2024 | $1.20 | $18.5M | n/a |
| 2023 | $1.20 | $18.3M | 36% |
| 2022 | $1.16 | $17.6M | 31% |
| 2021 | $1.08 | $17M | 22% |
| 2020 | $1.04 | $16.5M | 43% |
Latest SEC filings
What Financial Institutions Inc has filed recently, newest first. Each links to the original document on SEC EDGAR.
- September 8, 2026
- August 26, 2026
- August 3, 2026
- July 28, 2026Passive stake changed SCHEDULE 13G/A
- July 23, 2026
- July 14, 2026Passive stake (5% or more) SCHEDULE 13G
- June 18, 2026
- May 21, 2026
- May 20, 2026
- May 15, 2026Passive stake changed SCHEDULE 13G/A
Insider trades
What the people running Financial Institutions Inc did with its shares, from the Form 4 filings they must send the SEC within two business days.
Insiders bought $24.8K worth of shares on the open market in the last 90 days and sold none.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| September 2, 2026 | Zupan MarkDirector | Bought | 608 | $24.8K |
| May 20, 2026 | Panzarella Angela JDirector | Received as pay | 1,282 | - |
| May 20, 2026 | Panzarella Angela JDirector | Received as pay | 925 | $32.5K |
| May 20, 2026 | Holliday Susan RDirector | Received as pay | 1,282 | - |
| May 20, 2026 | Dorn Andrew W JrDirector | Received as pay | 1,282 | - |
| May 20, 2026 | Zupan MarkDirector | Received as pay | 1,282 | - |
| May 20, 2026 | Latella Robert NDirector | Received as pay | 1,282 | - |
| May 20, 2026 | Glaser Robert MDirector | Received as pay | 1,282 | - |
| May 20, 2026 | VanGelder Kim EDirector | Received as pay | 1,282 | - |
| May 20, 2026 | Burlew Dawn HDirector | Received as pay | 1,282 | - |
| May 20, 2026 | Burlew Dawn HDirector | Received as pay | 313 | $11K |
| May 20, 2026 | Finch Steven C.Director | Received as pay | 1,282 | - |
| May 20, 2026 | Finch Steven C.Director | Received as pay | 391 | $13.7K |
| May 20, 2026 | Schrader Robert L.Director | Received as pay | 1,282 | - |
| May 20, 2026 | Harting Bruce WDirector | Received as pay | 1,282 | - |
Who owns FISI
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
| Holder | Of class | Filed |
|---|---|---|
| Lashley Richard J13D, may seek influence with 13 related filers | 8.9% | October 2, 2025 |
| Dimensional Fund Advisors LP13G, passive | 5.1% | July 14, 2026 |
Largest institutional holders
Insiders
19 insiders reported holding 432,867 shares in total, about $17.1M at the last price.
| Holder | Shares |
|---|---|
| Birmingham Martin KearneyPresident & CEO | 137,622 |
| Glaser Robert MDirector | 49,333 |
| Holliday Susan RDirector | 41,678 |
| Dorn Andrew W JrDirector | 39,066 |
| Latella Robert NDirector | 32,849 |
| VanGelder Kim EDirector | 30,356 |
| Burlew Dawn HDirector | 22,252 |
| Zupan MarkDirector | 15,909 |
| Burruano Samuel J JrChief Legal Officer | 15,238 |
| Plants William Jack IIChief Financial Officer | 8,013 |
Questions about FISI
What does Financial Institutions Inc do?
Financial Institutions Inc is registered with the SEC under industry code SIC 6021 (National Commercial Banks). Its shares trade on NASDAQ under the ticker FISI.
Is Financial Institutions Inc profitable?
Yes. Over the twelve months to June 30, 2026 it reported net income of $82.6M.
When did Financial Institutions Inc last report?
Its most recent periodic report is the quarterly report (10-Q) filed on August 3, 2026. It covers the period to June 30, 2026. Its newest filing of any kind is the executive or director change from September 8, 2026.
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Follow FISI: get an email when it filesWhere the numbers come from
Financial figures are the values Financial Institutions Inc tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.