Financial Institutions FISI
$39.73 +$0.22 (+0.56%)
Market closed · Nov 6, 9:50 pm ET · Last extended-hours $39.73 0.00%
Open$39.50
Prev close$39.51
Day range$39.30 – $39.99
Volume106.2K
Market cap$775.57M
P/E (TTM)9.9
Dividend yield3.20%
Fundamentals
Latest reported quarter: Q3, ended Sep 2026
Revenue$65.02M+2.2% YoY
Net profit$19.99M-2.4% YoY
Diluted EPS$0.99+0.0% YoY
Free cash flow$21.81M+398.0% YoY
Operating cash flow$22.66M
Revenue, last 8 quarters
Net profit, last 8 quarters
Diluted EPS by quarter
Free cash flow by quarter
Annual revenue
Profitability & balance sheet
Net margin31.6%
Return on equity13.2%
Return on assets1.3%
Liabilities / assets90.5%
Cash & investments$102.88M
Total debt$167.00M
Net cash (debt)-$64.12M
Income statement
| Line item | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| Total Operating Revenue | $65.02M | $64.46M | $62.44M | $243.54M | $63.66M |
| Net Interest Income | $54.29M | $53.36M | $51.99M | $199.99M | $52.21M |
| -Interest Income | $85.00M | $83.08M | $81.56M | $332.99M | $84.65M |
| -Interest Expense | $30.71M | $29.72M | $29.57M | $133.00M | $32.44M |
| Non-Interest Income | $10.73M | $11.09M | $10.45M | $43.55M | $11.45M |
| -Total Premiums Earned | $2.93M | $2.88M | $2.77M | $11.38M | $2.79M |
| -Fees and Commissions | $6.72M | $6.63M | $6.15M | $24.58M | $6.38M |
| -Other Non-Interest Income | $1.24M | $1.20M | $1.77M | $5.88M | $1.43M |
| -Gain Loss on Sale of Assets | -$160,000.00 | $376,000.00 | -$241,000.00 | $1.72M | $859,000.00 |
| Credit Losses Provision | -$4.09M | -$3.23M | -$2.35M | -$11.79M | -$3.48M |
| Non-Interest Expense | $36.62M | $35.48M | $35.49M | $141.80M | $36.71M |
| Occupancy and Equipment | $4.16M | $3.94M | $3.87M | $15.49M | $4.10M |
| Professional Expense and Contract Services Expense | $1.48M | $1.26M | $1.35M | $6.52M | $1.69M |
| Selling and Admin Expenses | $21.17M | $20.74M | $20.11M | $79.69M | $20.79M |
| -Selling & Marketing Expense | $444,000.00 | $592,000.00 | $524,000.00 | $1.81M | $482,000.00 |
| -General & Admin Expense | $20.72M | $20.15M | $19.59M | $77.88M | $20.31M |
| Depreciation & Amortization & Depletion | $94,000.00 | $96,000.00 | $98,000.00 | $415,000.00 | $100,000.00 |
| -Depreciation & Amortization | $94,000.00 | $96,000.00 | $98,000.00 | $415,000.00 | $100,000.00 |
| Other Non-Interest Expenses | $9.72M | $9.44M | $10.06M | $39.69M | $10.03M |
| Other Income (Expense) | -$274,000.00 | -$140,000.00 | $224,000.00 | $1.40M | $525,000.00 |
| Income from Associates & Other Participating Interests | -$274,000.00 | -$140,000.00 | $224,000.00 | $1.40M | $457,000.00 |
| Pretax Profit | $24.05M | $25.60M | $24.83M | $91.35M | $24.00M |
| Tax | $4.06M | $4.42M | $3.85M | $16.49M | $4.02M |
| Net Profit | $19.99M | $21.18M | $20.99M | $74.87M | $19.98M |
| Profit from Continuing Operations | $19.99M | $21.18M | $20.99M | $74.87M | $19.98M |
| Net Income to Parent Company | $19.99M | $21.18M | $20.99M | $74.87M | $19.98M |
| Preferred Stock Dividends | $364,000.00 | $365,000.00 | $364,000.00 | $1.46M | $364,000.00 |
| Net Income to Common Stockholders | $19.63M | $20.82M | $20.62M | $73.41M | $19.62M |
| Basic EPS | $1.00 | $1.06 | $1.05 | $3.65 | $0.98 |
| Diluted EPS | $0.99 | $1.04 | $1.04 | $3.61 | $0.96 |
| Dividend Per Share | $0.32 | $0.32 | $0.32 | $1.24 | $0.31 |
| Special Income (Charges) | – | – | – | $0.00 | $68,000.00 |
Balance sheet
| Line item | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| Total Assets | $6.51B | $6.33B | $6.29B | $6.27B | $6.27B |
| Cash, Cash Equivalents & Federal Funds Sold | $102.88M | $99.17M | $85.45M | $108.75M | $108.75M |
| -Cash and Cash Equivalents | $102.88M | $99.17M | $85.45M | $108.75M | $108.75M |
| -Held to Maturity Securities | $76.52M | $79.30M | $82.07M | $84.71M | $84.71M |
| Net Loan | $1.91M | $4.71B | $4.58B | $4.61B | $4.61B |
| -Gross Loan | $1.91M | $4.76B | $4.63B | $4.66B | $4.66B |
| Goodwill and Other Intangible Assets | $60.06M | $60.15M | $60.25M | $60.34M | $60.34M |
| Other Assets | $6.34B | $52.74M | $57.97M | $59.41M | $59.41M |
| Total Liabilities | $5.89B | $5.69B | $5.66B | $5.65B | $5.65B |
| Short-Term Debt and Capital Lease Obligation | $167.00M | $182.00M | $114.00M | $109.00M | $109.00M |
| -Current Debt | $167.00M | $182.00M | $114.00M | $109.00M | $109.00M |
| Other Liabilities | $5.89B | $28.80M | $29.62M | $35.17M | $35.17M |
| Total Equity | $618.99M | $643.44M | $631.67M | $628.85M | $628.85M |
| Stockholders' Equity | $618.99M | $643.44M | $631.67M | $628.85M | $628.85M |
| Securities Investment | – | $1.05B | $1.14B | $1.07B | $1.07B |
| -Available for Sale Securities | – | $945.98M | $962.09M | $983.28M | $983.28M |
| -Short Term Investments | – | $19.98M | $99.79M | $0.00 | $0.00 |
| Derivative Assets | – | $29.18M | $27.75M | $29.12M | $29.12M |
| -Allowance for Loans and Lease Losses | – | $47.50M | $44.66M | $47.39M | $47.39M |
| Receivables | – | $25.46M | $25.49M | $25.10M | $25.10M |
| -Accounts Receivable | – | $25.46M | $25.49M | $25.10M | $25.10M |
| Net PPE | – | $67.38M | $67.90M | $68.96M | $68.96M |
| -Gross PPE | – | $67.38M | $67.90M | $133.73M | $133.73M |
| -Goodwill | – | $58.12M | $58.12M | $58.12M | $58.12M |
| -Other Intangible Assets | – | $2.03M | $2.12M | $2.22M | $2.22M |
| Bank-Owned Life Insurance | – | $182.01M | $179.16M | $176.39M | $176.39M |
| Federal Home Loan Bank Stock | – | $23.17M | $19.77M | $21.63M | $21.63M |
| Deferred Assets | – | $42.46M | $43.14M | $42.60M | $42.60M |
| Total Deposits | – | $5.30B | $5.34B | $5.21B | $5.21B |
| Derivative Product Liabilities | – | $51.68M | $50.57M | $48.10M | $48.10M |
| Payables | – | $18.99M | $20.40M | $21.44M | $21.44M |
| -Accounts Payable | – | $18.99M | $20.40M | $21.44M | $21.44M |
| Long Term Debt and Capital Lease Obligation | – | $110.57M | $110.64M | $225.23M | $225.23M |
| -Long Term Debt | – | $78.69M | $78.62M | $193.65M | $193.65M |
| -Long Term Capital Lease Obligation | – | $31.88M | $32.02M | $31.58M | $31.58M |
| Capital Stock | – | $17.49M | $17.49M | $17.49M | $17.49M |
| -Common Stock | – | $207,000.00 | $207,000.00 | $207,000.00 | $207,000.00 |
| -Preferred Stock | – | $17.29M | $17.29M | $17.29M | $17.29M |
| Additional Paid-In Capital | – | $233.46M | $232.78M | $234.40M | $234.40M |
| Retained Earnings | – | $466.00M | $451.48M | $437.14M | $437.14M |
| Less: Treasury Stock | – | $30.15M | $30.75M | $27.15M | $27.15M |
| Gains/Losses Not Affecting Retained Earnings | – | -$43.35M | -$39.33M | -$33.03M | -$33.03M |
| -Accumulated Depreciation | – | – | – | -$64.77M | -$64.77M |
Cash flow
| Line item | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| Operating Cash Flow | $22.66M | $23.69M | $18.80M | $21.40M | -$6.88M |
| Net cash flow from continuing operations | $22.66M | $23.69M | $18.80M | $21.40M | -$6.88M |
| Net Income from Continuing Operations | $21.18M | $20.99M | $74.87M | $19.98M | $20.48M |
| Gain/Loss from Continuing Operations | -$208,000.00 | $28,000.00 | -$1.16M | -$195,000.00 | -$707,000.00 |
| Depreciation & Depletion & Amortization | $1.88M | $1.80M | $7.88M | $2.18M | $1.87M |
| Deferred Tax | $2.07M | $1.63M | $11.55M | $5.77M | $4.93M |
| Other Non-Cash Items | -$4.17M | -$316,000.00 | -$11.73M | -$3.71M | -$2.46M |
| Change in Working Capital | -$248,000.00 | -$1.58M | -$70.87M | -$4.57M | -$32.61M |
| -Change in Other Current Assets | $295,000.00 | $2.89M | $13.01M | -$2.79M | -$54,000.00 |
| -Change in Other Current Liabilities | -$543,000.00 | -$4.47M | -$83.88M | -$1.78M | -$32.56M |
| Net cash flow from investing | -$31.81M | -$55.79M | -$140.04M | -$62.27M | -$49.37M |
| Net Cash Flow from Continuing Investing Activities | -$31.81M | -$55.79M | -$140.04M | -$62.27M | -$49.37M |
| Net PPE Purchase and Sale | -$848,000.00 | -$650,000.00 | -$5.55M | -$2.12M | -$1.02M |
| Net Investment Purchase and Sale | $95.72M | -$80.31M | $53.28M | $9.79M | $7.31M |
| Net Income from Loans | -$126.68M | $25.20M | -$189.55M | -$69.85M | -$56.48M |
| Net Other Investing Changes | -$7,000.00 | -$22,000.00 | $1.79M | -$87,000.00 | $819,000.00 |
| Financing Cash Flow | $22.88M | $8.80M | $142.67M | -$36.33M | $149.16M |
| Net Cash Flow from Continuing Financing Activities | $22.88M | $8.80M | $142.67M | -$36.33M | $149.16M |
| Increase/Decrease in Deposit | -$38.42M | $131.53M | $101.62M | -$151.46M | $201.80M |
| Net Issuance Payments of Debt | $68.00M | -$110.00M | $80.00M | $134.00M | -$46.00M |
| Net Common Stock Issuance | -$65,000.00 | -$6.13M | -$11.42M | -$10.90M | -$34,000.00 |
| Cash Dividends Paid | -$6.64M | -$6.60M | -$26.17M | -$6.60M | -$6.60M |
| Ending Cash Balance | $99.17M | $85.45M | $108.75M | $108.75M | $185.95M |
| Net Change in Cash | $13.72M | -$23.30M | $21.43M | -$77.19M | $92.91M |
| Beginning Cash Balance | $85.45M | $108.75M | $87.32M | $185.95M | $93.03M |
| Free Cash Flow | $21.81M | $23.04M | $13.25M | $19.28M | -$7.90M |
| Net Preferred Stock Issuance | – | – | $0.00 | – | – |
| Net Other Financing Activities | – | – | -$1.36M | – | – |
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