Financial Institutions, Inc.
FISI · NASDAQ
12/31/2024 | 12/31/2023 | 12/31/2022 | 12/31/2021 | |
|---|---|---|---|---|
| Revenue | $264,168 | $332,594 | $241,085 | $212,030 |
| % Growth | -20.6% | 38% | 13.7% | – |
| Cost of Goods Sold | $176,133 | $135,300 | $42,835 | $4,139 |
| Gross Profit | $88,035 | $197,294 | $198,250 | $207,891 |
| % Margin | 33.3% | 59.3% | 82.2% | 98% |
| R&D Expenses | $0 | $0 | $0 | $0 |
| G&A Expenses | $73,345 | $78,664 | $74,016 | $65,286 |
| SG&A Expenses | $74,918 | $80,590 | $76,029 | $66,990 |
| Sales & Mktg Exp. | $1,573 | $1,926 | $2,013 | $1,704 |
| Other Operating Expenses | $81,265 | $53,651 | $51,251 | $43,679 |
| Operating Expenses | $156,183 | $134,241 | $127,280 | $110,669 |
| Operating Income | -$68,148 | $63,053 | $70,970 | $97,222 |
| % Margin | -25.8% | 19% | 29.4% | 45.9% |
| Other Income/Exp. Net | $0 | $0 | $0 | $0 |
| Pre-Tax Income | -$68,148 | $63,053 | $70,970 | $97,222 |
| Tax Expense | -$26,502 | $12,789 | $14,397 | $19,525 |
| Net Income | -$41,646 | $50,264 | $56,573 | $77,697 |
| % Margin | -15.8% | 15.1% | 23.5% | 36.6% |
| EPS | -2.75 | 3.17 | 3.58 | 4.81 |
| % Growth | -186.8% | -11.5% | -25.6% | – |
| EPS Diluted | -2.75 | 3.15 | 3.56 | 4.78 |
| Weighted Avg Shares Out | 15,683 | 15,376 | 15,384 | 15,841 |
| Weighted Avg Shares Out Dil | 15,683 | 15,475 | 15,471 | 15,937 |
| Supplemental Information | – | – | – | – |
| Interest Income | $313,231 | $286,133 | $196,107 | $167,205 |
| Interest Expense | $149,642 | $120,418 | $28,735 | $12,475 |
| Depreciation & Amortization | $7,675 | $8,091 | $8,112 | $8,049 |
| EBITDA | -$60,473 | $71,144 | $79,082 | $105,271 |
| % Margin | -22.9% | 21.4% | 32.8% | 49.6% |