FINANCIAL INSTITUTIONS INC
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SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $74.9M | −$41.6M | $50.3M | $56.6M | $77.7M | $38.3M |
| Total assets | $6.27B | $6.12B | $6.16B | $5.80B | $5.52B | $4.91B |
| Total liabilities | $5.65B | $5.55B | $5.71B | $5.39B | $5.02B | $4.44B |
| Equity | $628.9M | $569.0M | $454.8M | $405.6M | $505.1M | $468.4M |
| EPS (diluted) | $3.61 | $-2.75 | $3.15 | $3.56 | $4.78 | $2.30 |
| Shares out. | 20.1M | 15.4M | 15.4M | 15.5M | 15.8M | 16.0M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- —
- Return on equity
- 11.9%
- Return on assets
- 1.2%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 90.0%
- Debt / equity
- 8.98×
- Book value / share
- $31.32
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- —
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- 0.9%clean
- Piotroski F-Score
- 4/6mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 warning● 2 good- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Wellington Management Group LlpPassive (13G)May 15, 2026
- Vanguard Group IncPassive (13G)Mar 26, 2026
- Pl Capital Advisors, LlcActivist (13D)Oct 2, 2025
- Dimensional Fund Advisors LpPassive (13G)Jul 15, 2025
- Blackrock, Inc.Passive (13G)Feb 5, 2025
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Holliday Susan RDirector | May 20, 2026 | Grant | 1,282 | $0.00 |
| Dorn Andrew W JrDirector | May 20, 2026 | Grant | 1,282 | $0.00 |
| Vangelder Kim EDirector | May 20, 2026 | Grant | 1,282 | $0.00 |
| Harting Bruce WDirector | May 20, 2026 | Grant | 1,282 | $0.00 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 571,278 | 6.8 | +0.6% |
| Apr 30, 2026 | 568,160 | 5.5 | +2.6% |
| Apr 15, 2026 | 553,536 | 4.7 | -1.7% |
| Mar 31, 2026 | 563,041 | 4.1 | +4.9% |
| Mar 13, 2026 | 536,799 | 4.2 | +32.8% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Shareholder voteMay 21, 2026
- Regulation FD disclosureMay 20, 2026
- Results of operations · Regulation FD disclosureApr 23, 2026
- Director / officer changeMar 10, 2026
- Regulation FD disclosureFeb 12, 2026
- Results of operations · Regulation FD disclosureJan 29, 2026
- Entered a material agreement · New financial obligation · Regulation FD disclosure · Other material eventDec 11, 2025
- Regulation FD disclosureNov 17, 2025
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.