Financial Institutions, Inc.
FISI · NASDAQ
9/30/2025 | 6/30/2025 | 3/31/2025 | 12/31/2024 | |
|---|---|---|---|---|
| Revenue | $96,255 | $93,177 | $91,009 | -$13,754 |
| % Growth | 3.3% | 2.4% | 761.7% | – |
| Cost of Goods Sold | $35,509 | $36,540 | $36,821 | $43,301 |
| Gross Profit | $60,746 | $56,637 | $54,188 | -$57,055 |
| % Margin | 63.1% | 60.8% | 59.5% | 414.8% |
| R&D Expenses | $0 | $0 | $0 | $0 |
| G&A Expenses | $19,749 | $19,462 | $18,365 | $20,645 |
| SG&A Expenses | $20,240 | $19,957 | $18,707 | $21,110 |
| Sales & Mktg Exp. | $491 | $495 | $342 | $465 |
| Other Operating Expenses | $15,268 | $15,185 | $14,857 | $37,103 |
| Operating Expenses | $35,508 | $35,142 | $33,564 | $58,213 |
| Operating Income | $25,238 | $21,495 | $20,624 | -$115,268 |
| % Margin | 26.2% | 23.1% | 22.7% | 838.1% |
| Other Income/Exp. Net | $0 | $0 | $0 | $0 |
| Pre-Tax Income | $25,238 | $21,495 | $20,624 | -$115,268 |
| Tax Expense | $4,761 | $3,963 | $3,746 | -$32,457 |
| Net Income | $20,477 | $17,532 | $16,878 | -$82,811 |
| % Margin | 21.3% | 18.8% | 18.5% | 602.1% |
| EPS | 1 | 0.85 | 0.82 | -5.07 |
| % Growth | 17.6% | 3.7% | 116.2% | – |
| EPS Diluted | 0.99 | 0.85 | 0.81 | -5.07 |
| Weighted Avg Shares Out | 20,122 | 20,073 | 20,073 | 16,415 |
| Weighted Avg Shares Out Dil | 20,336 | 20,285 | 20,285 | 16,415 |
| Supplemental Information | – | – | – | – |
| Interest Income | $84,422 | $82,867 | $81,051 | $78,119 |
| Interest Expense | $32,633 | $33,745 | $34,187 | $36,486 |
| Depreciation & Amortization | $1,874 | $1,915 | $1,910 | $1,956 |
| EBITDA | $27,112 | $23,410 | $22,534 | -$113,312 |
| % Margin | 28.2% | 25.1% | 24.8% | 823.8% |