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Financial Institutions (FISI) Financials

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$27.17 +0.24 (+0.89%)
As of 05/15/2025 04:00 PM Eastern
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Annual Income Statements for Financial Institutions

Annual Income Statements for Financial Institutions

This table shows Financial Institutions' income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Net Income / (Loss) Attributable to Common Shareholders		 -43 49 55
Consolidated Net Income / (Loss)		 -42 50 57
Net Income / (Loss) Continuing Operations		 -42 50 57
Total Pre-Tax Income 		-68 63 71
Total Revenue		 117 214 214
Net Interest Income / (Expense)		 164 166 167
Total Interest Income		 313 286 196
Loans and Leases Interest Income		 282 259 171
Investment Securities Interest Income		 31 28 25
Total Interest Expense		 150 120 29
Deposits Interest Expense		 140 107 23
Short-Term Borrowings Interest Expense		 3.37 6.89 1.50
Long-Term Debt Interest Expense		 6.27 6.17 4.24
Total Non-Interest Income		 -47 48 46
Trust Fees by Commissions		 11 11 11
Service Charges on Deposit Accounts		 2.14 6.71 6.36
Other Service Charges		 18 19 19
Net Realized & Unrealized Capital Gains on Investments		 -86 -1.92 2.30
Investment Banking Income		 2.38 1.78 1.29
Other Non-Interest Income		 5.49 12 5.54
Provision for Credit Losses		 6.15 14 13
Total Non-Interest Expense		 179 137 129
Salaries and Employee Benefits		 66 72 70
Net Occupancy & Equipment Expense		 37 35 33
Marketing Expense		 1.57 1.93 2.01
Property & Liability Insurance Claims		 5.28 4.90 2.44
Other Operating Expenses		 68 23 20
Amortization Expense		 0.55 0.91 0.99
Restructuring Charge		 0.04 0.11 1.62
Income Tax Expense		 -27 13 14
Preferred Stock Dividends Declared		 1.46 1.46 1.46
Basic Earnings per Share		 ($2.75) $3.17 $3.58
Weighted Average Basic Shares Outstanding		 15.68M 15.38M 15.38M
Diluted Earnings per Share		 ($2.75) $3.15 $3.56
Weighted Average Diluted Shares Outstanding		 15.68M 15.48M 15.47M
Weighted Average Basic & Diluted Shares Outstanding		 20.08M 15.41M 15.38M
Cash Dividends to Common per Share		 $1.20 $1.20 $1.16

Quarterly Income Statements for Financial Institutions

This table shows Financial Institutions' income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Income / (Loss) Attributable to Common Shareholders		 -83 13 25 1.71 9.42 14 14 12 12 13
Consolidated Net Income / (Loss)		 -83 13 26 2.07 9.78 14 14 12 12 14
Net Income / (Loss) Continuing Operations		 -83 13 26 2.07 9.78 14 14 12 12 14
Total Pre-Tax Income 		-115 15 30 2.43 15 16 17 15 14 19
Total Revenue		 -49 50 65 51 55 52 54 53 54 56
Net Interest Income / (Expense)		 42 41 41 40 40 42 42 42 43 43
Total Interest Income		 78 78 79 78 77 75 71 64 58 51
Loans and Leases Interest Income		 70 71 71 70 69 68 64 57 51 44
Investment Securities Interest Income		 8.14 6.69 8.11 8.08 7.39 6.43 7.06 6.67 6.56 6.27
Total Interest Expense		 36 37 38 38 37 33 29 22 15 7.61
Deposits Interest Expense		 35 35 35 35 35 29 24 19 13 5.88
Short-Term Borrowings Interest Expense		 0.02 0.86 0.96 1.53 0.29 2.24 3.16 1.20 0.55 0.67
Long-Term Debt Interest Expense		 1.57 1.57 1.56 1.56 1.57 1.57 1.57 1.46 1.06 1.06
Total Non-Interest Income		 -91 9.44 24 11 15 10 11 11 11 13
Trust Fees by Commissions		 2.56 2.80 2.78 2.58 2.67 2.54 2.82 2.92 2.82 2.72
Service Charges on Deposit Accounts		 0.00 0.00 0.00 2.13 1.62 1.68 1.33 2.09 1.46 1.57
Other Service Charges		 4.71 4.44 4.65 4.67 4.95 4.85 4.59 4.22 4.86 5.33
Net Realized & Unrealized Capital Gains on Investments		 -101 0.40 14 -0.13 -3.67 0.00 1.31 0.45 0.73 0.00
Investment Banking Income		 0.84 0.40 0.80 0.34 0.67 0.39 0.47 0.25 0.19 0.07
Other Non-Interest Income		 1.43 1.40 1.36 1.30 9.13 1.03 0.95 0.99 0.88 2.97
Provision for Credit Losses		 6.46 3.10 2.04 -5.46 5.27 0.97 3.23 4.21 6.12 4.31
Total Non-Interest Expense		 59 32 33 54 35 35 34 34 34 33
Salaries and Employee Benefits		 17 16 16 17 18 18 18 18 18 18
Net Occupancy & Equipment Expense		 10 8.72 8.79 9.14 9.30 8.90 8.29 8.42 8.22 8.20
Marketing Expense		 0.47 0.37 0.44 0.30 0.37 0.74 0.50 0.31 0.58 0.65
Property & Liability Insurance Claims		 1.55 1.09 1.35 1.30 1.32 1.23 1.24 1.12 0.66 0.65
Other Operating Expenses		 30 6.29 6.58 26 5.81 5.53 5.79 5.44 5.37 5.13
Amortization Expense		 0.11 0.11 0.11 0.22 0.22 0.23 0.23 0.23 0.24 0.24
Restructuring Charge		 0.04 0.00 0.00 0.00 0.19 -0.06 -0.02 0.00 - 0.00
Income Tax Expense		 -32 1.08 4.52 0.36 5.16 2.44 2.42 2.78 2.37 4.73
Preferred Stock Dividends Declared		 0.37 0.37 0.36 0.37 0.37 0.37 0.36 0.37 0.36 0.37
Basic Earnings per Share		 ($5.35) $0.85 $1.64 $0.11 $0.61 $0.89 $0.91 $0.76 $0.76 $0.88
Weighted Average Basic Shares Outstanding		 15.68M 15.47M 15.47M 15.45M 15.38M 15.40M 15.40M 15.38M 15.38M 15.34M
Diluted Earnings per Share		 ($5.32) $0.84 $1.62 $0.11 $0.60 $0.88 $0.91 $0.76 $0.76 $0.88
Weighted Average Diluted Shares Outstanding		 15.68M 15.47M 15.47M 15.45M 15.48M 15.40M 15.40M 15.38M 15.47M 15.34M
Weighted Average Basic & Diluted Shares Outstanding		 20.08M 15.47M 15.47M 15.45M 15.41M 15.40M 15.40M 15.38M 15.38M 15.34M
Cash Dividends to Common per Share		 $0.30 $0.30 $0.30 $0.30 $0.30 $0.30 $0.30 $0.30 $0.29 $0.29

Annual Cash Flow Statements for Financial Institutions

This table details how cash moves in and out of Financial Institutions' business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Net Change in Cash & Equivalents		 -37 -6.02 51
Net Cash From Operating Activities		 77 11 134
Net Cash From Continuing Operating Activities		 77 11 134
Net Income / (Loss) Continuing Operations		 -42 50 57
Consolidated Net Income / (Loss)		 -42 50 57
Provision For Loan Losses		 29 14 13
Depreciation Expense		 7.68 8.09 8.11
Amortization Expense		 1.90 3.47 4.97
Non-Cash Adjustments to Reconcile Net Income		 46 -8.90 -0.09
Changes in Operating Assets and Liabilities, net		 34 -56 51
Net Cash From Investing Activities		 -8.23 -310 -325
Net Cash From Continuing Investing Activities		 -8.23 -310 -325
Purchase of Property, Leasehold Improvements and Equipment		 -4.97 -2.99 -8.37
Purchase of Investment Securities		 -932 -529 -526
Sale and/or Maturity of Investments		 928 221 209
Net Cash From Financing Activities		 -106 293 243
Net Cash From Continuing Financing Activities		 -106 293 243
Net Change in Deposits		 -108 283 102
Issuance of Debt		 0.00 50 0.00
Issuance of Common Equity		 109 0.00 0.00
Repayment of Debt		 -86 -20 175
Repurchase of Preferred Equity		 -0.01 0.00 0.00
Repurchase of Common Equity		 -0.43 -0.57 -15
Payment of Dividends		 -20 -20 -19

Quarterly Cash Flow Statements for Financial Institutions

This table details how cash moves in and out of Financial Institutions' business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Change in Cash & Equivalents		 -162 103 -91 113 -68 12 40 9.51 12 8.88
Net Cash From Operating Activities		 27 2.15 36 12 -48 44 8.25 6.56 16 36
Net Cash From Continuing Operating Activities		 27 2.17 36 12 -48 44 8.29 6.56 16 36
Net Income / (Loss) Continuing Operations		 -83 13 26 2.07 9.78 14 14 12 12 14
Consolidated Net Income / (Loss)		 -83 13 26 2.07 9.78 14 14 12 12 14
Provision For Loan Losses		 29 3.10 2.04 -5.46 5.27 0.97 3.23 4.21 6.12 4.31
Depreciation Expense		 1.96 1.83 1.87 2.03 2.01 1.99 2.02 2.07 2.07 1.82
Amortization Expense		 -0.12 0.56 0.74 0.72 6.15 -4.47 0.91 0.88 1.00 1.23
Non-Cash Adjustments to Reconcile Net Income		 62 -2.71 -17 3.91 -5.95 -1.44 -1.33 -0.20 -1.37 -0.98
Changes in Operating Assets and Liabilities, net		 16 -14 22 9.02 -65 33 -11 -12 -3.79 15
Net Cash From Investing Activities		 -135 80 73 -26 -27 -4.02 -115 -165 -160 -67
Net Cash From Continuing Investing Activities		 -135 80 73 -26 -27 -4.02 -115 -165 -195 -31
Purchase of Property, Leasehold Improvements and Equipment		 -0.40 -2.45 -0.95 -1.17 -1.25 -0.51 -0.38 -0.85 -2.73 -1.64
Purchase of Investment Securities		 -852 50 -81 -48 -142 -35 -155 -196 -224 -96
Sale and/or Maturity of Investments		 718 32 155 23 116 32 41 32 31 67
Net Cash From Financing Activities		 -54 21 -199 126 6.95 -28 147 168 155 40
Net Cash From Continuing Financing Activities		 -54 21 -199 126 6.95 -28 147 168 312 -116
Net Change in Deposits		 -202 173 -263 184 -103 281 -106 212 180 -71
Repayment of Debt		 44 -147 69 -52 115 -304 258 -89 136 -40
Repurchase of Common Equity		 -0.00 -0.03 -0.00 -0.39 -0.01 - -0.00 -0.56 -0.01 -
Payment of Dividends		 -5.01 -5.00 -4.99 -4.98 -4.98 -4.97 -4.98 -4.81 -4.81 -4.81

Annual Balance Sheets for Financial Institutions

This table presents Financial Institutions' assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Total Assets		 6,117 6,161 5,797
Cash and Due from Banks		 55 71 130
Interest Bearing Deposits at Other Banks		 32 53 -
Trading Account Securities		 913 889 955
Loans and Leases, Net of Allowance		 4,431 4,411 4,005
Premises and Equipment, Net		 40 40 42
Intangible Assets		 61 73 73
Other Assets		 585 624 591
Total Liabilities & Shareholders' Equity		 6,117 6,161 5,797
Total Liabilities		 5,548 5,706 5,392
Non-Interest Bearing Deposits		 950 1,011 1,139
Interest Bearing Deposits		 4,154 4,202 3,790
Short-Term Debt		 99 185 205
Long-Term Debt		 125 125 74
Other Long-Term Liabilities		 220 184 183
Commitments & Contingencies		 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 569 455 406
Total Preferred & Common Equity		 569 455 406
Preferred Stock		 17 17 17
Total Common Equity		 552 438 388
Common Stock		 234 126 127
Retained Earnings		 389 452 421
Treasury Stock		 -18 -20 -22
Accumulated Other Comprehensive Income / (Loss)		 -53 -120 -137

Quarterly Balance Sheets for Financial Institutions

This table presents Financial Institutions' assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2024 Q2 2024 Q1 2024 Q3 2023 Q2 2023 Q1 2023 Q3 2022
Period end date 9/30/2024 6/30/2024 3/31/2024 9/30/2023 6/30/2023 3/31/2023 9/30/2022
Total Assets		 6,156 6,132 6,299 6,140 6,141 5,967 5,624
Cash and Due from Banks		 250 146 237 192 180 140 119
Trading Account Securities		 889 874 924 856 1,073 946 968
Loans and Leases, Net of Allowance		 4,358 4,418 0.00 0.00 0.00 0.00 0.00
Premises and Equipment, Net		 41 40 40 40 41 42 41
Intangible Assets		 61 61 72 73 73 73 74
Other Assets		 557 594 626 598 427 390 601
Total Liabilities & Shareholders' Equity		 6,156 6,132 6,299 6,140 6,141 5,967 5,624
Total Liabilities		 5,656 5,664 5,853 5,731 5,715 5,544 5,230
Non-Interest Bearing Deposits		 979 939 973 1,035 1,023 1,067 1,135
Interest Bearing Deposits		 4,328 4,194 4,424 4,281 4,012 4,074 3,770
Short-Term Debt		 55 202 133 70 374 116 69
Long-Term Debt		 125 125 125 124 124 124 74
Other Long-Term Liabilities		 170 204 198 221 182 163 182
Total Equity & Noncontrolling Interests		 500 468 446 409 426 440 394
Total Preferred & Common Equity		 500 468 446 409 426 423 394
Preferred Stock		 17 17 17 17 17 35 17
Total Common Equity		 483 450 428 391 409 406 377
Common Stock		 125 125 125 126 126 126 126
Retained Earnings		 478 469 449 447 438 428 414
Treasury Stock		 -18 -18 -19 -20 -20 -21 -23
Accumulated Other Comprehensive Income / (Loss)		 -102 -126 -126 -161 -134 -127 -141

Annual Metrics And Ratios for Financial Institutions

This table displays calculated financial ratios and metrics derived from Financial Institutions' official financial filings.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Growth Metrics		 - - -
Revenue Growth		 -45.36% 0.15% 5.95%
EBITDA Growth		 -178.51% -11.23% -24.12%
EBIT Growth		 -208.08% -11.16% -27.00%
NOPAT Growth		 -194.91% -11.15% -27.19%
Net Income Growth		 -182.85% -11.15% -27.19%
EPS Growth		 -187.30% -11.52% -25.52%
Operating Cash Flow Growth		 607.98% -91.84% 83.07%
Free Cash Flow Firm Growth		 -160.63% -52.27% -220.53%
Invested Capital Growth		 3.73% 11.61% 12.44%
Revenue Q/Q Growth		 -47.24% 0.55% 0.73%
EBITDA Q/Q Growth		 -175.15% 8.05% -10.57%
EBIT Q/Q Growth		 -209.82% 0.76% -11.67%
NOPAT Q/Q Growth		 -193.64% -4.39% -11.74%
Net Income Q/Q Growth		 -181.75% -4.39% -11.74%
EPS Q/Q Growth		 -186.75% -4.83% -11.22%
Operating Cash Flow Q/Q Growth		 3,058.35% -85.42% -11.50%
Free Cash Flow Firm Q/Q Growth		 -193.17% -118.09% -120.26%
Invested Capital Q/Q Growth		 16.57% 26.72% 27.48%
Profitability Metrics		 - - -
EBITDA Margin		 -50.10% 34.87% 39.34%
EBIT Margin		 -58.29% 29.47% 33.22%
Profit (Net Income) Margin		 -35.62% 23.49% 26.48%
Tax Burden Percent		 61.11% 79.72% 79.71%
Interest Burden Percent		 100.00% 100.00% 100.00%
Effective Tax Rate		 0.00% 20.28% 20.29%
Return on Invested Capital (ROIC)		 -6.13% 6.94% 8.74%
ROIC Less NNEP Spread (ROIC-NNEP)		 -3.86% 6.94% 8.74%
Return on Net Nonoperating Assets (RNNOA)		 -2.01% 4.75% 3.68%
Return on Equity (ROE)		 -8.14% 11.68% 12.42%
Cash Return on Invested Capital (CROIC)		 -9.79% -4.04% -2.97%
Operating Return on Assets (OROA)		 -1.11% 1.05% 1.25%
Return on Assets (ROA)		 -0.68% 0.84% 1.00%
Return on Common Equity (ROCE)		 -7.86% 11.21% 11.95%
Return on Equity Simple (ROE_SIMPLE)		 -7.32% 11.05% 13.95%
Net Operating Profit after Tax (NOPAT)		 -48 50 57
NOPAT Margin		 -40.80% 23.49% 26.48%
Net Nonoperating Expense Percent (NNEP)		 -2.27% 0.00% 0.00%
SG&A Expenses to Revenue		 89.60% 50.81% 48.86%
Operating Expenses to Revenue		 153.03% 64.14% 60.55%
Earnings before Interest and Taxes (EBIT)		 -68 63 71
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 -59 75 84
Valuation Ratios		 - - -
Price to Book Value (P/BV)		 0.77 0.71 0.85
Price to Tangible Book Value (P/TBV)		 0.86 0.85 1.05
Price to Revenue (P/Rev)		 3.61 1.45 1.55
Price to Earnings (P/E)		 0.00 6.35 6.01
Dividend Yield		 4.40% 5.96% 5.37%
Earnings Yield		 0.00% 15.74% 16.64%
Enterprise Value to Invested Capital (EV/IC)		 0.73 0.67 0.73
Enterprise Value to Revenue (EV/Rev)		 4.93 2.40 2.33
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 6.87 5.92
Enterprise Value to EBIT (EV/EBIT)		 0.00 8.13 7.01
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 10.20 8.79
Enterprise Value to Operating Cash Flow (EV/OCF)		 7.47 47.05 3.72
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00
Leverage & Solvency		 - - -
Debt to Equity		 0.39 0.68 0.69
Long-Term Debt to Equity		 0.22 0.27 0.18
Financial Leverage		 0.52 0.68 0.42
Leverage Ratio		 11.99 13.90 12.43
Compound Leverage Factor		 11.99 13.90 12.43
Debt to Total Capital		 28.23% 40.50% 40.77%
Short-Term Debt to Total Capital		 12.49% 24.20% 29.93%
Long-Term Debt to Total Capital		 15.75% 16.29% 10.84%
Preferred Equity to Total Capital		 2.18% 2.26% 2.53%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00%
Common Equity to Total Capital		 69.59% 57.24% 56.70%
Debt to EBITDA		 -3.82 4.15 3.32
Net Debt to EBITDA		 -2.33 2.48 1.77
Long-Term Debt to EBITDA		 -2.13 1.67 0.88
Debt to NOPAT		 -4.69 6.16 4.94
Net Debt to NOPAT		 -2.86 3.68 2.63
Long-Term Debt to NOPAT		 -2.62 2.48 1.31
Noncontrolling Interest Sharing Ratio		 3.38% 4.02% 3.80%
Liquidity Ratios		 - - -
Cash Flow Metrics		 - - -
Free Cash Flow to Firm (FCFF)		 -76 -29 -19
Operating Cash Flow to CapEx		 1,550.60% 364.10% 1,596.04%
Free Cash Flow to Firm to Interest Expense		 -0.51 -0.24 -0.67
Operating Cash Flow to Interest Expense		 0.52 0.09 4.65
Operating Cash Flow Less CapEx to Interest Expense		 0.48 0.07 4.36
Efficiency Ratios		 - - -
Asset Turnover		 0.02 0.04 0.04
Fixed Asset Turnover		 2.93 5.23 5.20
Capital & Investment Metrics		 - - -
Invested Capital		 793 764 685
Invested Capital Turnover		 0.15 0.30 0.33
Increase / (Decrease) in Invested Capital		 28 80 76
Enterprise Value (EV)		 576 513 497
Market Capitalization		 422 310 331
Book Value per Share		 $35.65 $28.40 $25.32
Tangible Book Value per Share		 $31.73 $23.70 $20.53
Total Capital		 793 764 685
Total Debt		 224 310 279
Total Long-Term Debt		 125 125 74
Net Debt		 137 185 149
Capital Expenditures (CapEx)		 4.97 2.99 8.37
Net Nonoperating Expense (NNE)		 -6.06 0.00 0.00
Net Nonoperating Obligations (NNO)		 224 310 279
Total Depreciation and Amortization (D&A)		 9.57 12 13
Earnings Adjustments		 - - -
Adjusted Basic Earnings per Share		 ($2.75) $3.17 $3.58
Adjusted Weighted Average Basic Shares Outstanding		 15.68M 15.38M 15.38M
Adjusted Diluted Earnings per Share		 ($2.75) $3.15 $3.56
Adjusted Weighted Average Diluted Shares Outstanding		 15.68M 15.48M 15.47M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 20.08M 15.41M 15.38M
Normalized Net Operating Profit after Tax (NOPAT)		 -48 50 58
Normalized NOPAT Margin		 -40.78% 23.53% 27.08%
Pre Tax Income Margin		 -58.29% 29.47% 33.22%
Debt Service Ratios		 - - -
EBIT to Interest Expense		 -0.46 0.52 2.47
NOPAT to Interest Expense		 -0.32 0.42 1.97
EBIT Less CapEx to Interest Expense		 -0.49 0.50 2.18
NOPAT Less CapEx to Interest Expense		 -0.35 0.39 1.68
Payout Ratios		 - - -
Dividend Payout Ratio		 -47.96% 39.28% 33.68%
Augmented Payout Ratio		 -48.98% 40.42% 60.79%

Quarterly Metrics And Ratios for Financial Institutions

This table displays calculated financial ratios and metrics derived from Financial Institutions' official financial filings.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 -189.41% -3.91% 21.20% -3.33% 2.16% -6.38% 1.60% 3.65% 2.94% 10.65%
EBITDA Growth		 -591.15% 21.12% 66.05% -70.97% 31.69% -35.37% -14.62% -18.24% -36.16% -14.36%
EBIT Growth		 -871.75% -11.63% 79.54% -83.68% 3.31% -11.39% -13.92% -19.33% -39.35% -14.49%
NOPAT Growth		 -925.03% -3.97% 78.31% -82.88% -19.09% 1.21% -8.15% -19.32% -38.36% -19.34%
Net Income Growth		 -946.74% -3.97% 78.31% -82.88% -19.09% 1.21% -8.15% -19.32% -38.36% -19.34%
EPS Growth		 -986.67% -4.55% 78.02% -85.53% -21.05% 0.00% -8.08% -18.28% -37.19% -16.19%
Operating Cash Flow Growth		 156.67% -95.09% 332.25% 87.29% -395.26% 22.74% -78.04% -85.15% -51.80% 318.46%
Free Cash Flow Firm Growth		 -56.60% -22.16% 151.67% 70.70% -9.48% -216.73% -830.82% -481.69% -51.08% 189.46%
Invested Capital Growth		 3.73% 12.76% -14.05% 6.07% 11.61% 12.28% 51.80% 27.32% 12.44% -5.40%
Revenue Q/Q Growth		 -198.57% -23.14% 27.90% -7.73% 5.93% -3.05% 2.02% -2.49% -2.93% 5.22%
EBITDA Q/Q Growth		 -769.94% -48.30% 533.36% -77.61% 65.21% -29.12% 10.72% 1.59% -18.92% -6.37%
EBIT Q/Q Growth		 -892.33% -51.74% 1,142.62% -83.76% -9.27% -1.96% 12.96% 2.81% -22.18% -4.76%
NOPAT Q/Q Growth		 -699.20% -47.46% 1,138.12% -78.83% -30.25% -2.44% 18.89% 0.01% -12.75% -11.46%
Net Income Q/Q Growth		 -714.96% -47.46% 1,138.12% -78.83% -30.25% -2.44% 18.89% 0.01% -12.75% -11.46%
EPS Q/Q Growth		 -733.33% -48.15% 1,372.73% -81.67% -31.82% -3.30% 19.74% 0.00% -13.64% -11.11%
Operating Cash Flow Q/Q Growth		 1,158.31% -93.98% 190.27% 125.78% -208.96% 430.09% 25.77% -59.36% -54.70% -5.18%
Free Cash Flow Firm Q/Q Growth		 -72.02% -140.81% 507.65% 45.28% -34.19% 82.74% -131.19% -104.44% -243.09% 237.64%
Invested Capital Q/Q Growth		 16.57% -14.38% 12.94% -7.98% 26.72% -34.74% 39.38% -3.17% 27.48% -11.77%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 0.00% 33.78% 50.23% 10.14% 41.80% 26.80% 36.66% 33.78% 32.42% 38.82%
EBIT Margin		 0.00% 29.03% 46.23% 4.76% 27.03% 31.56% 31.21% 28.18% 26.73% 33.34%
Profit (Net Income) Margin		 0.00% 26.87% 39.30% 4.06% 17.70% 26.88% 26.71% 22.92% 22.35% 24.86%
Tax Burden Percent		 71.84% 92.56% 85.02% 85.33% 65.48% 85.18% 85.60% 81.33% 83.61% 74.57%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 0.00% 7.44% 14.98% 14.67% 34.52% 14.82% 14.40% 18.67% 16.39% 25.43%
Return on Invested Capital (ROIC)		 0.00% 9.28% 10.23% 1.26% 5.23% 10.03% 7.54% 8.34% 7.38% 9.54%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% 9.28% 10.23% 1.26% 5.23% 10.03% 7.54% 8.34% 7.38% 9.54%
Return on Net Nonoperating Assets (RNNOA)		 0.00% 3.82% 9.44% 0.68% 3.58% 4.22% 6.03% 2.79% 3.10% 2.33%
Return on Equity (ROE)		 0.00% 13.10% 19.67% 1.95% 8.80% 14.25% 13.57% 11.14% 10.49% 11.88%
Cash Return on Invested Capital (CROIC)		 -9.79% -4.05% 21.11% 0.00% -4.04% -2.35% -34.31% -14.97% -2.97% 17.15%
Operating Return on Assets (OROA)		 0.00% 1.05% 1.68% 0.16% 0.97% 1.14% 1.15% 1.05% 1.01% 1.26%
Return on Assets (ROA)		 0.00% 0.97% 1.43% 0.14% 0.63% 0.97% 0.99% 0.85% 0.84% 0.94%
Return on Common Equity (ROCE)		 0.00% 12.60% 18.91% 1.83% 8.45% 13.64% 13.02% 10.49% 10.09% 11.41%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 10.18% 11.01% 9.03% 0.00% 12.86% 12.31% 12.70% 0.00% 16.27%
Net Operating Profit after Tax (NOPAT)		 -81 13 26 2.07 9.78 14 14 12 12 14
NOPAT Margin		 0.00% 26.87% 39.30% 4.06% 17.70% 26.88% 26.71% 22.92% 22.35% 24.86%
Net Nonoperating Expense Percent (NNEP)		 0.80% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 0.00% 49.83% 38.31% 52.52% 49.79% 53.30% 49.33% 50.95% 49.73% 48.10%
Operating Expenses to Revenue		 0.00% 64.78% 50.64% 105.94% 63.43% 66.59% 62.79% 63.83% 61.96% 58.91%
Earnings before Interest and Taxes (EBIT)		 -115 15 30 2.43 15 16 17 15 14 19
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 -113 17 33 5.17 23 14 20 18 18 22
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 0.77 0.82 0.66 0.67 0.71 0.62 0.55 0.67 0.85 0.88
Price to Tangible Book Value (P/TBV)		 0.86 0.93 0.77 0.80 0.85 0.77 0.67 0.82 1.05 1.09
Price to Revenue (P/Rev)		 3.61 1.78 1.33 1.34 1.45 1.15 1.05 1.27 1.55 1.56
Price to Earnings (P/E)		 0.00 7.96 5.96 7.35 6.35 4.77 4.45 5.22 6.01 5.28
Dividend Yield		 4.40% 4.71% 6.21% 6.49% 5.96% 7.52% 8.01% 6.60% 5.37% 5.29%
Earnings Yield		 0.00% 12.56% 16.77% 13.61% 15.74% 20.96% 22.49% 19.15% 16.64% 18.94%
Enterprise Value to Invested Capital (EV/IC)		 0.73 0.50 0.62 0.46 0.67 0.44 0.61 0.61 0.73 0.69
Enterprise Value to Revenue (EV/Rev)		 4.93 1.54 2.22 1.52 2.40 1.24 2.60 1.89 2.33 1.76
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 4.38 6.61 5.21 6.87 3.82 7.33 5.09 5.92 3.96
Enterprise Value to EBIT (EV/EBIT)		 0.00 5.50 7.75 6.38 8.13 4.21 8.69 6.05 7.01 4.64
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 6.70 9.63 8.02 10.20 5.01 10.72 7.59 8.79 5.81
Enterprise Value to Operating Cash Flow (EV/OCF)		 7.47 139.87 11.26 19.42 47.05 3.53 8.44 4.25 3.72 2.47
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 2.73 14,036.87 0.00 0.00 0.00 0.00 0.00 3.93
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.39 0.36 0.70 0.58 0.68 0.48 1.17 0.55 0.69 0.36
Long-Term Debt to Equity		 0.22 0.25 0.27 0.28 0.27 0.30 0.29 0.28 0.18 0.19
Financial Leverage		 0.52 0.41 0.92 0.54 0.68 0.42 0.80 0.33 0.42 0.24
Leverage Ratio		 11.99 13.53 13.74 13.85 13.90 14.66 13.75 13.08 12.43 12.67
Compound Leverage Factor		 11.99 13.53 13.74 13.85 13.90 14.66 13.75 13.08 12.43 12.67
Debt to Total Capital		 28.23% 26.43% 41.13% 36.63% 40.50% 32.24% 53.92% 35.32% 40.77% 26.65%
Short-Term Debt to Total Capital		 12.49% 8.09% 25.43% 18.91% 24.20% 11.61% 40.47% 17.05% 29.93% 12.84%
Long-Term Debt to Total Capital		 15.75% 18.34% 15.70% 17.72% 16.29% 20.63% 13.46% 18.27% 10.84% 13.80%
Preferred Equity to Total Capital		 2.18% 2.54% 2.18% 2.46% 2.26% 2.87% 1.87% 5.08% 2.53% 3.22%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 69.59% 71.03% 56.70% 60.92% 57.24% 64.89% 44.21% 59.60% 56.70% 70.13%
Debt to EBITDA		 -3.82 2.31 4.36 4.16 4.15 2.82 6.50 3.00 3.32 1.52
Net Debt to EBITDA		 -2.33 -0.90 2.40 0.33 2.48 0.03 4.15 1.25 1.77 0.26
Long-Term Debt to EBITDA		 -2.13 1.60 1.66 2.01 1.67 1.80 1.62 1.55 0.88 0.79
Debt to NOPAT		 -4.69 3.53 6.34 6.40 6.16 3.70 9.51 4.48 4.94 2.23
Net Debt to NOPAT		 -2.86 -1.37 3.50 0.51 3.68 0.04 6.07 1.87 2.63 0.38
Long-Term Debt to NOPAT		 -2.62 2.45 2.42 3.10 2.48 2.37 2.37 2.32 1.31 1.16
Noncontrolling Interest Sharing Ratio		 0.00% 3.80% 3.87% 5.86% 4.02% 4.31% 4.06% 5.85% 3.80% 3.89%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -109 -63 156 -38 -70 -52 -301 -130 -64 45
Operating Cash Flow to CapEx		 6,703.72% 87.78% 3,751.21% 1,046.85% -3,804.39% 8,628.80% 2,149.22% 773.82% 591.83% 2,170.77%
Free Cash Flow to Firm to Interest Expense		 -2.99 -1.70 4.14 -1.00 -1.90 -1.57 -10.46 -5.93 -4.35 5.85
Operating Cash Flow to Interest Expense		 0.74 0.06 0.95 0.32 -1.30 1.32 0.29 0.30 1.10 4.69
Operating Cash Flow Less CapEx to Interest Expense		 0.73 -0.01 0.92 0.29 -1.33 1.31 0.27 0.26 0.92 4.47
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.02 0.04 0.04 0.03 0.04 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 2.93 5.49 5.58 5.21 5.23 5.26 5.33 5.27 5.20 5.20
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 793 680 794 703 764 603 924 663 685 537
Invested Capital Turnover		 0.15 0.35 0.26 0.31 0.30 0.37 0.28 0.36 0.33 0.38
Increase / (Decrease) in Invested Capital		 28 77 -130 40 80 66 315 142 76 -31
Enterprise Value (EV)		 576 342 496 323 513 263 562 408 497 373
Market Capitalization		 422 394 298 285 310 244 226 273 331 331
Book Value per Share		 $35.65 $31.22 $29.16 $27.81 $28.40 $25.41 $26.57 $26.38 $25.32 $24.57
Tangible Book Value per Share		 $31.73 $27.29 $25.21 $23.11 $23.70 $20.69 $21.83 $21.62 $20.53 $19.77
Total Capital		 793 680 794 703 764 603 924 680 685 537
Total Debt		 224 180 327 258 310 194 498 240 279 143
Total Long-Term Debt		 125 125 125 125 125 124 124 124 74 74
Net Debt		 137 -70 180 21 185 2.34 318 100 149 25
Capital Expenditures (CapEx)		 0.40 2.45 0.95 1.17 1.25 0.51 0.38 0.85 2.73 1.64
Net Nonoperating Expense (NNE)		 2.12 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 224 180 327 258 310 194 498 223 279 143
Total Depreciation and Amortization (D&A)		 1.84 2.38 2.61 2.75 8.16 -2.48 2.93 2.95 3.08 3.05
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 ($5.35) $0.85 $1.64 $0.11 $0.61 $0.89 $0.91 $0.00 $0.76 $0.88
Adjusted Weighted Average Basic Shares Outstanding		 15.68M 15.47M 15.47M 15.45M 15.38M 15.40M 15.40M 0.00 15.38M 15.34M
Adjusted Diluted Earnings per Share		 ($5.32) $0.84 $1.62 $0.11 $0.60 $0.88 $0.91 $0.00 $0.76 $0.88
Adjusted Weighted Average Diluted Shares Outstanding		 15.68M 15.47M 15.47M 15.45M 15.48M 15.40M 15.40M 0.00 15.47M 15.34M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 20.08M 15.47M 15.47M 15.45M 15.41M 15.40M 15.40M 0.00 15.38M 15.34M
Normalized Net Operating Profit after Tax (NOPAT)		 -81 13 26 2.07 9.90 14 14 12 12 14
Normalized NOPAT Margin		 0.00% 26.87% 39.30% 4.06% 17.92% 26.79% 26.68% 22.92% 22.35% 24.86%
Pre Tax Income Margin		 0.00% 29.03% 46.23% 4.76% 27.03% 31.56% 31.21% 28.18% 26.73% 33.34%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 -3.16 0.39 0.80 0.06 0.41 0.50 0.58 0.68 0.99 2.44
NOPAT to Interest Expense		 -2.21 0.36 0.68 0.05 0.27 0.42 0.50 0.55 0.82 1.82
EBIT Less CapEx to Interest Expense		 -3.17 0.33 0.78 0.03 0.37 0.48 0.57 0.64 0.80 2.23
NOPAT Less CapEx to Interest Expense		 -2.22 0.30 0.66 0.02 0.23 0.41 0.49 0.51 0.64 1.61
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 -47.96% 39.17% 38.69% 49.49% 39.28% 37.23% 37.03% 35.84% 33.68% 29.46%
Augmented Payout Ratio		 -48.98% 40.01% 39.47% 50.49% 40.42% 38.32% 38.13% 37.47% 60.79% 58.47%

Frequently Asked Questions About Financial Institutions' Financials

When does Financial Institutions's fiscal year end?

According to the most recent income statement we have on file, Financial Institutions' financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has Financial Institutions' net income changed over the last 2 years?

Financial Institutions' net income appears to be on a downward trend, with a most recent value of -$41.65 million in 2024, falling from $56.57 million in 2022. The previous period was $50.26 million in 2023. View Financial Institutions' forecast to see where analysts expect Financial Institutions to go next.

How has Financial Institutions revenue changed over the last 2 years?

Over the last 2 years, Financial Institutions' total revenue changed from $213.64 million in 2022 to $116.91 million in 2024, a change of -45.3%.

How much debt does Financial Institutions have?

Financial Institutions' total liabilities were at $5.55 billion at the end of 2024, a 2.8% decrease from 2023, and a 2.9% increase since 2022.

How much cash does Financial Institutions have?

In the past 2 years, Financial Institutions' cash and equivalents has ranged from $54.96 million in 2024 to $130.47 million in 2022, and is currently $54.96 million as of their latest financial filing in 2024.

How has Financial Institutions' book value per share changed over the last 2 years?

Over the last 2 years, Financial Institutions' book value per share changed from 25.32 in 2022 to 35.65 in 2024, a change of 40.8%.


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This page (NASDAQ:FISI) was last updated on 5/16/2025 by MarketBeat.com Staff
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