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Financial Institutions Inc (FISI) Annual Income Statement

Annual · GAAP · USD millions
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The income statement data below highlights shifts in Financial Institutions Inc's operating performance over recent quarters.
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Annual Report, GAAP in USD millions
ITEM 		(Dec 31 2025)
2025 		(Dec 31 2024) (Dec 31 2023) (Dec 31 2022) (Dec 31 2021)
Revenues
Interest and Fee Income, Loans and Leases284.28
Interest and Dividend Income, Securities, Operating46.69
Other Income2.02
Total Interest Income332.99
Interest Expense, Deposits124.30
Interest Expense, Short-term Borrowing1.90
Total Interest Expense133.00
Net Interest Income199.99
Provision for loan losses11.63
Total Net Interest Income188.36
Brokerage Commissions Revenue11.72
Other Non-interest Income5.88
Gain (Loss) on Disposition of Assets and Other Investments-0.51
Loss / Gain on Investment0.74
Other Non-Interest Income26.20
Total Non-interest Income44.96
Total Revenues233.32
Costs & Expenses
Salaries & employee benefits, SGA1.81
Restructuring, Accretion & impairment charges0.00
Unusual Expense /-Income0.00
Depreciation & Amortization0.42
Communications, Occupancy and Information Technology15.49
Professional Fees6.52
Supplies and Postage Expense2.10
Federal Deposit Insurance Corporation Premium Expense5.07
Other Noninterest Expense14.50
Other loss /-income95.90
Total Operating Expenses141.96
Total Costs & Expenses268.16
Income & Taxes
Income /-loss before income taxes91.35
Income taxes expenses/-benefit16.49
Income after income taxes74.87
Net income/-loss of other equity0.00
Income /-loss after income taxes74.87
Net Income/-loss74.87
Preferred dividends1.46
Income/-loss to shareholder73.41
Earnings Per Share
Basic EPS (excl. extra items)3.65
Basic Net EPS3.65
Basic shares outstanding (Mill. of Units)20.10
Diluted Net EPS3.61
Diluted average shares (Mill. of Units)20.32
Dividend per share1.24
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About Financial Institutions Inc Annual Income Statement

What this statement shows

This page presents issuer-reported income statement data, detailing revenue, operating costs, expenses, and earnings as disclosed in SEC 10-K filings and standardized by CSIMarket. The income statement reflects operating performance over a reporting period rather than financial position at a single date.

Revenue and expense treatment

Revenue and expense items are aligned to support period-to-period comparability. Operating and non-operating items, interest, and income taxes are classified based on issuer disclosures and XBRL tagging.

Source & verification

  • Source: SEC 10-K filings
  • Filed with the SEC: March 9, 2026
  • Original filing: fisi-20251231.htm

Income statement figures represent operating results for each reporting period and may be revised in subsequent filings.