Financial Institutions, Inc. (FISI) quarterly balance sheet — complete assets, liabilities & equity history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Cash & Short Term Investments | 185.24M | 108.75M | 185.94M | 93.03M | 167.35M | 87.33M | 1.14B | 1.02B | 1.16B | 1.01B | 1.05B | 1.09B | 1.09B | 1.08B | 1.08B | 1.17B | 1.29B | 1.26B | 1.39B | 1.11B |
| Cash & Due from Banks | 85.45M | 108.75M | 185.94M | 93.03M | 167.35M | 87.32M | 249.57M | 146.35M | 237.04M | 124.44M | 192.11M | 180.25M | 139.97M | 130.47M | 118.58M | 109.7M | 170.4M | 79.11M | 288.43M | 206.39M |
| Short Term Investments | 99.79M | 0 | 0 | 0 | 3K | 8K | 886.82M | 871.63M | 923.76M | 887.73M | 854.22M | 912.12M | 945.44M | 954.37M | 965.53M | 1.06B | 1.12B | 1.18B | 1.1B | 902.85M |
| Total Investments | 5.76B | 5.71B | 5.65B | 5.6B | 5.65B | 5.58B | 5.48B | 5.55B | 5.58B | 5.56B | 5.52B | 5.42B | 5.32B | 5.26B | 4.99B | 4.99B | 5.11B | 5.1B | 5B | 4.71B |
| Investments Growth % | 1.84% | 2.37% | 3.12% | 0.88% | 1.2% | 0.33% | -0.74% | 2.35% | 4.94% | 5.72% | 10.68% | 8.68% | 4.15% | 3.05% | -0.18% | 5.87% | 10.6% | 13.37% | 15.31% | 11.5% |
| Long-Term Investments | 5.66B | 5.71B | 5.65B | 5.6B | 5.65B | 5.58B | 4.59B | 4.68B | 4.66B | 4.67B | 4.67B | 4.51B | 4.38B | 4.3B | 4.02B | 3.93B | 3.99B | 3.92B | 3.9B | 3.81B |
| Accounts Receivables | 25.49M | 25.1M | 25.74M | 24.93M | 24.78M | 23.75M | 23.7M | 24.49M | 24.91M | 24.48M | 23.54M | 0 | 0 | 19.37M | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill & Intangibles | 60.24M | 60.34M | 60.44M | 60.55M | 60.65M | 60.76M | 60.87M | 60.98M | 72.29M | 72.5M | 72.72M | 72.95M | 73.18M | 73.41M | 73.65M | 73.9M | 74.15M | 74.4M | 74.66M | 74.26M |
| Goodwill | 58.12M | 58.12M | 58.12M | 58.12M | 58.12M | 58.12M | 58.12M | 58.12M | 67.07M | 67.07M | 67.07M | 67.07M | 67.07M | 67.07M | 67.07M | 67.07M | 67.07M | 67.07M | 67.07M | 66.67M |
| Intangible Assets | 2.12M | 2.22M | 2.32M | 2.42M | 2.53M | 2.64M | 2.75M | 2.86M | 5.22M | 5.43M | 5.65M | 5.88M | 6.11M | 6.34M | 6.58M | 6.83M | 7.08M | 7.33M | 7.59M | 7.59M |
| PP&E (Net) | 67.9M | 68.96M | 68.86M | 69.46M | 69.63M | 70.23M | 71.62M | 70.8M | 71.18M | 71.43M | 71.84M | 40.68M | 41.61M | 73.11M | 40.91M | 40.46M | 61.81M | 62.18M | 63.06M | 43.57M |
| Other Assets | 256.89M | 257.44M | 246.99M | 242.15M | 309.82M | 235.59M | 229.63M | 232.61M | 261.25M | 259.22M | 196.46M | 426.63M | 390.25M | 188.43M | 403.45M | 356.35M | 158.66M | 138.44M | 150.3M | 259.45M |
| Total Current Assets | 210.73M | 133.85M | 211.68M | 117.96M | 192.13M | 111.08M | 1.16B | 1.04B | 1.19B | 1.04B | 1.07B | 1.09B | 1.09B | 1.1B | 1.08B | 1.17B | 1.35B | 1.31B | 1.44B | 1.11B |
| Total Non-Current Assets | 6.08B | 6.14B | 6.08B | 6.03B | 6.15B | 6.01B | 5B | 5.09B | 5.11B | 5.12B | 5.07B | 5.05B | 4.88B | 4.69B | 4.54B | 4.4B | 4.28B | 4.21B | 4.19B | 4.19B |
| Total Assets | 6.29B | 6.27B | 6.29B | 6.14B | 6.34B | 6.12B | 6.16B | 6.13B | 6.3B | 6.16B | 6.14B | 6.14B | 5.97B | 5.8B | 5.62B | 5.57B | 5.63B | 5.52B | 5.62B | 5.3B |
| Asset Growth % | -0.72% | 2.57% | 2.14% | 0.2% | 0.67% | -0.71% | 0.26% | -0.16% | 5.56% | 6.27% | 9.17% | 10.29% | 5.98% | 5.01% | 0.02% | 5.16% | 5.66% | 12.39% | 13.39% | 13.12% |
| Return on Assets (ROA) | 0.33% | 0.32% | 0.33% | 0.28% | 0.27% | -1.35% | 0.22% | 0.41% | 0.03% | 0.16% | 0.23% | 0.24% | 0.21% | 0.21% | 0.25% | 0.28% | 0.27% | 0.35% | 0.31% | 0.38% |
| Accounts Payable | 20.4M | 21.44M | 19.76M | 23.69M | 27.92M | 25.86M | 27.45M | 27.44M | 27.22M | 19.41M | 18.14M | 0 | 0 | 5.98M | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 224.64M | 334.23M | 202.15M | 248.15M | 212.55M | 256.61M | 212.96M | 360.29M | 291.29M | 343.32M | 228.58M | 498.38M | 240.3M | 312.45M | 143.14M | 183.07M | 73.99M | 103.91M | 73.83M | 73.76M |
| Net Debt | 139.19M | 225.48M | 16.2M | 155.12M | 45.2M | 169.28M | -36.61M | 213.94M | 54.25M | 218.88M | 36.47M | 318.13M | 100.33M | 181.99M | 24.56M | 73.36M | -96.42M | 24.8M | -214.59M | -132.63M |
| Long-Term Debt | 78.62M | 193.65M | 115M | 114.96M | 124.92M | 124.84M | 124.77M | 124.69M | 124.61M | 124.53M | 124.45M | 124.38M | 124.3M | 74.22M | 74.14M | 74.07M | 73.99M | 73.91M | 73.83M | 73.76M |
| Short-Term Debt | 114M | 109M | 55M | 101M | 55M | 99M | 55M | 202M | 133M | 185M | 70M | 374M | 116M | 205M | 69M | 109M | 0 | 30M | 0 | 0 |
| Other Liabilities | 80.19M | 83.27M | 86.62M | 114.24M | 137.19M | 160.91M | 108.96M | 143.05M | 137.59M | 130.44M | 168.74M | 182.19M | 162.56M | 143.81M | 182.14M | 138.81M | 106.73M | 84.64M | 80.38M | 75M |
| Total Current Liabilities | 5.47B | 5.34B | 5.43B | 5.28B | 5.46B | 5.23B | 5.39B | 5.36B | 5.56B | 5.42B | 5.4B | 5.41B | 5.26B | 5.14B | 4.97B | 4.93B | 5B | 4.86B | 4.97B | 4.66B |
| Total Non-Current Liabilities | 190.83M | 308.5M | 233.77M | 261.4M | 294.74M | 318.51M | 266.92M | 301.34M | 295.88M | 288.76M | 327.32M | 306.56M | 286.86M | 251.26M | 256.28M | 212.88M | 180.72M | 158.55M | 154.22M | 148.75M |
| Total Liabilities | 5.66B | 5.65B | 5.67B | 5.54B | 5.75B | 5.55B | 5.66B | 5.66B | 5.85B | 5.71B | 5.73B | 5.72B | 5.54B | 5.39B | 5.23B | 5.14B | 5.18B | 5.02B | 5.13B | 4.81B |
| Total Equity | 631.67M | 628.85M | 621.72M | 601.67M | 589.93M | 568.98M | 500.34M | 467.67M | 445.73M | 454.8M | 408.72M | 425.87M | 422.82M | 405.61M | 394.05M | 425.8M | 446.85M | 505.14M | 494.01M | 487.13M |
| Equity Growth % | 7.08% | 10.52% | 24.26% | 28.65% | 32.35% | 25.11% | 22.42% | 9.81% | 5.42% | 12.13% | 3.72% | 0.02% | -5.38% | -19.7% | -20.24% | -12.59% | -4.17% | 7.85% | 8.25% | 8.72% |
| Equity / Assets (Capital Ratio) | 10.03% | 10.02% | 9.89% | 9.79% | 9.3% | 9.3% | 8.13% | 7.63% | 7.08% | 7.38% | 6.66% | 6.93% | 7.09% | 7% | 7.01% | 7.65% | 7.94% | 9.15% | 8.79% | 9.2% |
| Return on Equity (ROE) | 3.33% | 3.2% | 3.35% | 2.94% | 2.91% | -15.49% | 2.78% | 5.61% | 0.46% | 2.27% | 3.36% | 3.39% | 2.92% | 3.02% | 3.38% | 3.59% | 3.15% | 3.93% | 3.5% | 4.24% |
| Book Value per Share | 31.71 | 30.95 | 30.57 | 29.66 | 29.08 | 34.66 | 32.00 | 30.06 | 28.68 | 29.32 | 26.43 | 27.63 | 27.39 | 26.32 | 25.60 | 27.68 | 28.46 | 31.71 | 31.00 | 30.61 |
| Tangible BV per Share | 28.68 | 27.98 | 27.60 | 26.68 | 26.09 | 30.96 | 28.11 | 26.14 | 24.03 | 24.65 | 21.73 | 22.90 | 22.65 | 21.55 | 20.81 | 22.87 | 23.74 | 27.04 | 26.31 | 25.95 |
| Common Stock | 207K | 207K | 207K | 207K | 207K | 207K | 161K | 161K | 161K | 161K | 161K | 161K | 161K | 161K | 161K | 161K | 161K | 161K | 161K | 161K |
| Additional Paid-in Capital | 232.78M | 234.4M | 233.63M | 232.97M | 232.46M | 233.42M | 125.11M | 124.7M | 124.63M | 125.84M | 126.18M | 125.46M | 125.48M | 126.64M | 126.23M | 125.57M | 125.88M | 126.11M | 125.78M | 125.25M |
| Retained Earnings | 451.48M | 437.14M | 423.76M | 409.89M | 398.96M | 388.67M | 477.86M | 469.4M | 448.77M | 451.69M | 446.89M | 437.85M | 428.45M | 421.34M | 414.06M | 405.02M | 394.18M | 384.01M | 369.02M | 356.49M |
| Accumulated OCI | -39.33M | -33.03M | -36.76M | -42.21M | -41.99M | -52.6M | -102.03M | -125.77M | -126.26M | -119.94M | -161.39M | -134.47M | -127.37M | -137.49M | -141.18M | -99.72M | -67.09M | -13.21M | -12.12M | -5.93M |
| Treasury Stock | -30.75M | -27.14M | -16.41M | -16.47M | -16.98M | -17.99M | -18.05M | -18.11M | -18.85M | -20.24M | -20.42M | -20.42M | -21.19M | -22.34M | -22.51M | -22.51M | -23.57M | -9.22M | -6.13M | -6.13M |
| Preferred Stock | 17.29M | 17.29M | 17.29M | 17.29M | 17.29M | 17.29M | 17.29M | 17.29M | 17.29M | 17.29M | 17.29M | 17.29M | 17.29M | 17.29M | 17.29M | 17.29M | 17.29M | 17.29M | 17.29M | 17.29M |