State Ledger
Company profile

FINANCIAL INSTITUTIONS INC CIK 862831

Tickers
FIISO (OTC) · FIISP (OTC) · FISI (Nasdaq)
Industry
National Commercial Banks
Headquarters
Warsaw, NY 14569
Fiscal year end
2025 (FY)
Market Data
Close
$38.42
Change
-$0.64
Change %
-1.64%
Volume
2,041

FISI · trading date Oct 9, 2026 · previous close $39.06 · source: Alpaca (IEX feed, not consolidated full-market data).

Key Financials
Revenue
—
Net income
$74.87M
Total assets
$6.27B
Total liabilities
$5.65B
Stockholders' equity
$628.85M
Cash & equivalents
$108.75M
Operating income
—
Operating cash flow
$18.80M
Capital expenditures
$5.55M

Fiscal year 2025, via 10-K filed 2026-03-09. A dash means this figure wasn't reported in the source filing under a field State Ledger recognizes - not that the value is zero.

Financial Performance
Operating margin
—
Net margin
—
Free cash flow
$13.25M
Free cash flow margin
—
Liabilities / assets
90.0%
Equity / assets
10.0%
CapEx / revenue
—
Operating cash flow / net income
0.25×

Derived from the fiscal year 2025 figures above. These metrics are mathematical calculations and do not represent a rating or assessment of the company.

Financial History
Fiscal yearRevenueNet incomeAssetsLiabilitiesEquity
2025 — $74.87M $6.27B $5.65B $628.85M
2024 — -$41.65M $6.12B $5.55B $568.98M
2023 — $50.26M $6.16B $5.71B $454.80M
2022 — $56.57M $5.80B $5.39B $405.61M
2021 — $77.70M $5.52B $5.02B $505.14M
Company Details
SIC code
6021
State of incorporation
NY
Active filer
Yes
Most recent SEC filing
Form 8-K
2026-09-08
Financials filed via
Form 10-K
filed 2026-03-09

"Most recent SEC filing" may differ from the filing used for the financial figures above.

Location
Warsaw, NY 14569
220 LIBERTY STREET
Data & Methodology

SEC EDGAR submissions API (identity, collected Sep 19, 2026, 15:11 UTC) and SEC XBRL Company Facts API (financials, collected Sep 26, 2026, 15:41 UTC) · figures as originally filed, not restated · a dash always means a value wasn't reported, never a real zero.

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