FINANCIAL INSTITUTIONS INC
Company Stats
- Market Cap
- $768.2M
- as of Sep 30, 2026
- Enterprise Value
- $962.1M
- Shares Outstanding
- 19.7M
- Free Float
- 80.8%
Income Statement
- Net Income
- $74.9M
Cash Flow
- Free Cash Flow
- $13.3M
- FCF Yield
- 1.7%
- Owner FCF Yield
- 1.3%
Balance Sheet
- Cash & Equivalents
- $108.8M
- Total Debt
- $302.7M
- Net Debt
- $193.9M
Returns & Capital
- Dividends Paid
- $24.7M
- Dividend Yield
- 3.2%
- Share Repurchases
- $11.4M
- Buyback Yield, 3Y Avg
- 0.5%
- SBC, 3Y Avg
- $2.1M
Cash Flow by Year
| Year | Revenue | FCF | Margin |
|---|---|---|---|
| FY2025 | — | $13.3M | — |
| FY2024 | — | $72.2M | — |
| FY2023 | — | $7.9M | — |
| FY2022 | — | $125.2M | — |
| FY2021 | — | $63.6M | — |
Annual filing data through FY ended December 31, 2025; shares and float as of October 8, 2026. Yields and enterprise value use the calculated market cap above, at its as-of date. Ratios are our calculations from reported figures.
Stronger demand supports expansion as pricing diverges