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Financial Institutions (FISI) Financials

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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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 27 30 32 38 47 37 76 55 49 -43 73
Consolidated Net Income / (Loss)		 28 32 34 40 49 38 78 57 50 -42 75
Net Income / (Loss) Continuing Operations		 28 32 34 40 49 38 78 57 50 -42 75
Total Pre-Tax Income 		39 44 43 50 59 46 97 71 63 -68 91
Total Revenue		 126 138 147 159 170 182 202 214 214 117 245
Net Interest Income / (Expense)		 95 103 113 123 130 139 155 167 166 164 200
Total Interest Income		 105 115 130 153 169 161 167 196 286 313 333
Loans and Leases Interest Income		 84 92 106 131 150 144 148 171 259 282 284
Investment Securities Interest Income		 22 23 24 22 19 18 19 25 28 31 49
Total Interest Expense		 10 13 17 30 39 22 12 29 120 150 133
Deposits Interest Expense		 7.31 8.46 11 19 28 18 8.12 23 107 140 124
Short-Term Borrowings Interest Expense		 1.08 1.61 3.93 8.34 7.92 1.60 0.12 1.50 6.89 3.37 1.90
Long-Term Debt Interest Expense		 1.75 2.47 2.47 2.47 2.47 2.89 4.24 4.24 6.17 6.27 6.81
Total Non-Interest Income		 30 36 35 36 40 43 47 46 48 -47 45
Trust Fees by Commissions		 2.19 5.21 6.10 8.12 9.19 9.54 12 11 11 11 12
Service Charges on Deposit Accounts		 5.17 5.40 5.27 4.93 4.57 4.40 5.75 6.36 6.71 2.14 0.01
Other Service Charges		 17 18 18 19 20 17 19 19 19 18 19
Net Realized & Unrealized Capital Gains on Investments		 2.26 3.25 1.80 1.69 4.80 11 5.73 2.30 -1.92 -86 1.72
Investment Banking Income		 0.90 0.30 0.11 1.20 0.35 0.10 2.08 1.29 1.78 2.38 1.40
Other Non-Interest Income		 2.67 3.98 2.98 1.79 1.76 1.90 2.95 5.54 12 5.49 11
Provision for Credit Losses		 7.38 9.64 13 8.93 8.04 27 -8.34 13 14 6.15 12
Total Non-Interest Expense		 79 85 91 101 103 109 113 129 137 179 142
Salaries and Employee Benefits		 42 45 49 55 56 59 61 70 72 66 73
Net Occupancy & Equipment Expense		 18 19 21 22 24 25 28 33 35 37 39
Marketing Expense		 1.99 2.10 2.17 3.58 3.58 2.61 1.70 2.01 1.93 1.57 1.81
Property & Liability Insurance Claims		 1.72 1.74 1.82 1.98 1.01 2.24 2.62 2.44 4.90 5.28 5.07
Other Operating Expenses		 13 15 14 15 17 17 18 20 23 68 23
Amortization Expense		 0.94 1.25 1.17 1.26 1.25 1.13 1.06 0.99 0.91 0.55 0.42
Income Tax Expense		 11 12 9.95 10 11 7.39 20 14 13 -27 16
Preferred Stock Dividends Declared		 1.46 1.46 1.46 1.46 1.46 1.46 1.46 1.46 1.46 1.46 1.46
Basic Earnings per Share		 $1.91 $2.11 $2.13 $2.39 $2.97 $2.30 $4.81 $3.58 $3.17 ($2.75) $3.65
Weighted Average Basic Shares Outstanding		 14.08M 14.44M 15.04M 15.91M 15.97M 16.02M 15.84M 15.38M 15.38M 15.68M 20.10M
Diluted Earnings per Share		 $1.90 $2.10 $2.13 $2.39 $2.96 $2.30 $4.78 $3.56 $3.15 ($2.75) $3.61
Weighted Average Diluted Shares Outstanding		 14.14M 14.49M 15.09M 15.96M 16.03M 16.06M 15.94M 15.47M 15.48M 15.68M 20.32M
Weighted Average Basic & Diluted Shares Outstanding		 14.10M 14.40M 15.10M 15.90M 16.00M 15.82M 15.53M 15.38M 15.41M 20.08M 19.63M
Cash Dividends to Common per Share		 $0.80 $0.81 $0.85 $0.96 $1.00 $1.04 $1.08 $1.16 $1.20 $1.20 $1.24

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 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
Net Income / (Loss) Attributable to Common Shareholders		 9.42 1.71 25 13 -83 17 17 20 20 21 21
Consolidated Net Income / (Loss)		 9.78 2.07 26 13 -83 17 18 20 20 21 21
Net Income / (Loss) Continuing Operations		 9.78 2.07 26 13 -83 17 18 20 20 21 21
Total Pre-Tax Income 		15 2.43 30 15 -115 21 21 25 24 25 26
Total Revenue		 55 51 65 50 -49 57 60 64 64 63 64
Net Interest Income / (Expense)		 40 40 41 41 42 47 49 52 52 52 53
Total Interest Income		 77 78 79 78 78 81 83 84 85 82 83
Loans and Leases Interest Income		 69 70 71 71 70 69 71 72 72 69 71
Investment Securities Interest Income		 7.39 8.08 8.11 6.69 8.14 12 12 12 12 12 12
Total Interest Expense		 37 38 38 37 36 34 34 33 32 30 30
Deposits Interest Expense		 35 35 35 35 35 32 32 30 30 27 28
Short-Term Borrowings Interest Expense		 0.29 1.53 0.96 0.86 0.02 0.49 0.39 0.67 0.36 0.64 0.82
Long-Term Debt Interest Expense		 1.57 1.56 1.56 1.57 1.57 1.56 1.56 1.59 2.10 1.70 1.37
Total Non-Interest Income		 15 11 24 9.44 -91 10 11 12 12 11 11
Trust Fees by Commissions		 2.67 2.58 2.78 2.80 2.56 2.74 2.89 3.02 3.07 3.06 3.29
Other Service Charges		 4.95 4.67 4.65 4.44 4.71 4.59 4.49 4.92 4.73 4.86 4.55
Net Realized & Unrealized Capital Gains on Investments		 -3.67 -0.13 14 0.40 -101 -0.15 -0.03 1.04 0.86 -0.24 0.38
Investment Banking Income		 0.67 0.34 0.80 0.40 0.84 0.42 0.31 0.22 0.46 0.22 -0.14
Other Non-Interest Income		 9.13 1.30 1.36 1.40 1.43 2.78 2.97 2.85 2.79 2.77 2.88
Provision for Credit Losses		 5.27 -5.46 2.04 3.10 6.46 2.93 2.56 2.73 3.40 2.24 3.11
Total Non-Interest Expense		 35 54 33 32 59 34 36 36 37 36 36
Salaries and Employee Benefits		 18 17 16 16 17 17 18 19 19 19 19
Net Occupancy & Equipment Expense		 9.30 9.14 8.79 8.72 10 9.08 9.86 9.60 10 10 9.45
Marketing Expense		 0.37 0.30 0.44 0.37 0.47 0.34 0.50 0.49 0.48 0.52 0.59
Property & Liability Insurance Claims		 1.32 1.30 1.35 1.09 1.55 1.47 1.39 1.23 0.98 0.99 0.99
Other Operating Expenses		 5.81 26 6.58 6.29 30 5.79 5.76 5.93 5.86 5.31 5.31
Amortization Expense		 0.22 0.22 0.11 0.11 0.11 0.11 0.11 0.10 0.10 0.10 0.10
Income Tax Expense		 5.16 0.36 4.52 1.08 -32 3.75 3.96 4.76 4.02 3.85 4.42
Preferred Stock Dividends Declared		 0.37 0.37 0.36 0.37 0.37 0.37 0.36 0.37 0.36 0.36 0.37
Basic Earnings per Share		 $0.61 $0.11 $1.64 $0.85 ($5.35) $0.82 $0.85 $1.00 $0.98 $1.05 $1.06
Weighted Average Basic Shares Outstanding		 15.38M 15.45M 15.47M 15.47M 15.68M 20.11M 20.13M 20.13M 20.10M 19.69M 19.71M
Diluted Earnings per Share		 $0.60 $0.11 $1.62 $0.84 ($5.32) $0.81 $0.85 $0.99 $0.96 $1.04 $1.04
Weighted Average Diluted Shares Outstanding		 15.48M 15.45M 15.47M 15.47M 15.68M 20.11M 20.13M 20.13M 20.32M 19.69M 19.71M
Weighted Average Basic & Diluted Shares Outstanding		 15.41M 15.45M 15.47M 15.47M 20.08M 20.11M 20.13M 20.13M 19.63M 19.69M 19.71M
Cash Dividends to Common per Share		 $0.30 $0.30 $0.30 $0.30 $0.30 $0.31 $0.31 $0.31 $0.31 $0.32 $0.32

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 1.97 11 28 3.56 10 -19 -15 51 -6.02 -37 21
Net Cash From Operating Activities		 43 47 46 65 58 43 73 134 11 77 19
Net Cash From Continuing Operating Activities		 43 47 46 65 8.85 43 73 134 11 77 19
Net Income / (Loss) Continuing Operations		 28 32 34 40 0.00 38 78 57 50 -42 75
Consolidated Net Income / (Loss)		 28 32 34 40 - 38 78 57 50 -42 75
Provision For Loan Losses		 7.38 9.64 13 8.93 8.04 27 -8.34 13 14 29 12
Depreciation Expense		 5.43 5.96 6.18 6.48 8.21 7.89 8.05 8.11 8.09 7.68 7.88
Amortization Expense		 3.15 3.19 3.30 2.46 2.07 3.47 5.49 4.97 3.47 1.90 -6.43
Non-Cash Adjustments to Reconcile Net Income		 -1.04 -6.31 10 -8.70 -3.19 -6.51 2.00 -0.09 -9.02 46 1.73
Changes in Operating Assets and Liabilities, net		 -0.17 2.28 -20 16 -6.29 -27 -12 51 -56 34 -71
Net Cash From Investing Activities		 -306 -327 -373 -225 -25 -531 -633 -325 -310 -8.23 -140
Net Cash From Continuing Investing Activities		 -306 -327 -373 -225 -25 -531 -633 -325 -310 -8.23 -140
Purchase of Property, Leasehold Improvements and Equipment		 -7.49 -7.62 -7.74 -2.84 -3.64 -4.26 -9.40 -8.37 -2.99 -4.97 -5.55
Purchase of Investment Securities		 -516 -603 -564 -439 -386 -825 -914 -526 -475 -932 -518
Sale and/or Maturity of Investments		 218 284 199 217 365 298 290 209 221 928 455
Other Investing Activities, net		 - - - 0.00 - - - - -54 -0.03 -72
Net Cash From Financing Activities		 265 291 354 164 -23 469 546 243 293 -106 143
Net Cash From Continuing Financing Activities		 265 291 354 164 -23 469 546 243 293 -106 143
Net Change in Deposits		 280 265 215 157 189 723 549 102 283 -108 102
Issuance of Debt		 40 38 115 23 0.00 35 0.00 0.00 128 0.00 80
Issuance of Common Equity		 - - 38 - - - - 0.00 0.00 109 0.00
Repayment of Debt		 -43 - - 0.00 -194 -271 25 175 -98 -86 -1.36
Repurchase of Preferred Equity		 - - -0.01 -0.00 0.00 0.00 -0.04 0.00 0.00 -0.01 0.00
Repurchase of Common Equity		 -0.20 - -0.15 -0.11 -0.29 -0.21 -9.24 -15 -0.57 -0.43 -11
Payment of Dividends		 -13 -13 -14 -16 -17 -18 -18 -19 -20 -20 -26

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 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
Net Change in Cash & Equivalents		 -68 113 -91 103 -162 80 -74 93 -77 -23 14
Net Cash From Operating Activities		 -48 12 36 2.15 27 10 -5.73 -6.88 21 24 23
Net Cash From Continuing Operating Activities		 -48 12 36 2.17 27 10 -5.73 -6.88 21 24 23
Net Income / (Loss) Continuing Operations		 9.78 2.07 26 13 -83 17 18 20 20 21 21
Consolidated Net Income / (Loss)		 9.78 2.07 26 13 -83 17 18 20 20 21 21
Provision For Loan Losses		 5.27 -5.46 2.04 3.10 29 2.93 2.56 2.73 3.40 2.24 3.11
Depreciation Expense		 2.01 2.03 1.87 1.83 1.96 1.91 1.92 1.87 2.18 1.80 1.88
Amortization Expense		 6.15 0.72 0.74 0.56 -0.12 -0.96 -1.27 -1.87 -2.32 -2.00 -2.23
Non-Cash Adjustments to Reconcile Net Income		 -5.95 3.91 -17 -2.71 62 0.11 -3.62 2.52 2.73 2.24 -1.04
Changes in Operating Assets and Liabilities, net		 -65 9.02 22 -14 16 -11 -23 -33 -4.57 -1.58 -0.25
Net Cash From Investing Activities		 -27 -26 73 80 -135 -147 119 -49 -62 -56 -32
Net Cash From Continuing Investing Activities		 -27 -26 73 80 -135 -147 119 -49 -62 -56 -32
Purchase of Property, Leasehold Improvements and Equipment		 -1.25 -1.17 -0.95 -2.45 -0.40 -0.82 -1.60 -1.02 -2.12 -0.65 -0.85
Purchase of Investment Securities		 -142 -48 -81 50 -852 -167 -65 -101 -186 -129 -242
Sale and/or Maturity of Investments		 116 23 155 32 718 20 186 52 198 73 211
Net Cash From Financing Activities		 6.95 126 -199 21 -54 217 -187 149 -36 8.80 23
Net Cash From Continuing Financing Activities		 6.95 126 -199 21 -54 217 -187 149 -36 8.80 23
Net Change in Deposits		 -103 184 -263 173 -202 268 -217 202 -151 132 -38
Issuance of Debt		 - - - - - -44 - -46 124 5.00 68
Repurchase of Common Equity		 -0.01 -0.39 -0.00 -0.03 -0.00 -0.48 - -0.03 -11 -6.13 -0.07
Payment of Dividends		 -4.98 -4.98 -4.99 -5.00 -5.01 -6.38 -6.59 -6.60 -6.60 -6.60 -6.64

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 3,381 3,710 4,105 4,312 4,384 4,912 5,521 5,797 6,161 6,117 6,274
Cash and Due from Banks		 60 71 99 103 113 94 79 130 71 55 57
Interest Bearing Deposits at Other Banks		 - - - - - - - - 53 32 52
Trading Account Securities		 1,030 1,083 1,044 895 422 632 1,185 955 889 913 926
Loans and Leases, Net of Allowance		 1.43 1.05 0.00 0.00 0.00 0.00 3,640 4,005 4,411 4,431 4,610
Premises and Equipment, Net		 39 42 45 43 41 41 40 42 40 40 40
Goodwill		 - - - - - - - - - 58 58
Intangible Assets		 67 76 75 76 75 74 74 73 73 2.64 2.22
Other Assets		 2,183 2,437 2,842 142 542 529 503 591 624 585 529
Total Liabilities & Shareholders' Equity		 3,381 3,710 4,105 4,312 4,384 4,912 5,521 5,797 6,161 6,117 6,274
Total Liabilities		 3,087 3,390 3,724 3,915 3,945 4,444 5,016 5,392 5,706 5,548 5,645
Non-Interest Bearing Deposits		 642 677 718 755 708 1,019 1,108 1,139 1,011 950 963
Interest Bearing Deposits		 2,089 2,318 2,492 2,611 2,848 3,260 3,720 3,790 4,202 4,154 4,244
Short-Term Debt		 293 332 446 470 276 5.30 30 205 185 99 109
Long-Term Debt		 39 39 39 39 39 74 74 74 125 125 194
Other Long-Term Liabilities		 25 25 29 40 75 87 85 183 184 220 136
Total Equity & Noncontrolling Interests		 294 320 381 396 439 468 505 406 455 569 629
Total Preferred & Common Equity		 294 320 381 396 439 468 505 406 455 569 629
Preferred Stock		 17 17 17 17 17 17 17 17 17 17 17
Total Common Equity		 277 303 364 379 422 451 488 388 438 552 612
Common Stock		 73 82 121 123 125 125 126 127 126 234 235
Retained Earnings		 219 238 257 280 313 325 384 421 452 389 437
Treasury Stock		 -3.92 -2.92 -2.53 -2.49 -1.98 -1.22 -9.22 -22 -20 -18 -27
Accumulated Other Comprehensive Income / (Loss)		 -11 -14 -12 -21 -15 2.13 -13 -137 -120 -53 -33

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 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026
Period end date 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026 6/30/2026
Total Assets		 5,967 6,141 6,140 6,299 6,132 6,156 6,340 6,144 6,288 6,295 6,335
Cash and Due from Banks		 140 180 192 237 146 250 74 72 89 56 60
Interest Bearing Deposits at Other Banks		 - - - - - - 93 21 97 29 40
Trading Account Securities		 946 1,073 856 924 874 889 927 919 926 1,005 913
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 4,418 4,358 4,504 4,489 4,543 4,583 4,705
Premises and Equipment, Net		 42 41 40 40 40 41 39 40 39 38 38
Goodwill		 - - - - - - - - - 58 58
Intangible Assets		 73 73 73 72 61 61 61 61 60 2.12 2.03
Other Assets		 390 427 598 626 594 557 641 543 533 523 519
Total Liabilities & Shareholders' Equity		 5,967 6,141 6,140 6,299 6,132 6,156 6,340 6,144 6,288 6,295 6,335
Total Liabilities		 5,544 5,715 5,731 5,853 5,664 5,656 5,751 5,542 5,666 5,663 5,692
Non-Interest Bearing Deposits		 1,067 1,023 1,035 973 939 979 945 940 959 953 951
Interest Bearing Deposits		 4,074 4,012 4,281 4,424 4,194 4,328 4,428 4,216 4,398 4,384 4,349
Short-Term Debt		 116 374 70 133 202 55 55 101 55 114 182
Long-Term Debt		 124 124 124 125 125 125 125 115 115 79 79
Other Long-Term Liabilities		 163 182 221 198 204 170 198 170 139 133 131
Total Equity & Noncontrolling Interests		 440 426 409 446 468 500 590 602 622 632 643
Total Preferred & Common Equity		 423 426 409 446 468 500 590 602 622 632 643
Preferred Stock		 35 17 17 17 17 17 17 17 17 17 17
Total Common Equity		 406 409 391 428 450 483 573 584 604 614 626
Common Stock		 126 126 126 125 125 125 233 233 234 233 234
Retained Earnings		 428 438 447 449 469 478 399 410 424 451 466
Treasury Stock		 -21 -20 -20 -19 -18 -18 -17 -16 -16 -31 -30
Accumulated Other Comprehensive Income / (Loss)		 -127 -134 -161 -126 -126 -102 -42 -42 -37 -39 -43

Annual Metrics And Ratios for Financial Institutions

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

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 14,189,535.00 14,527,719.00 15,626,294.00 15,924,959.00 15,998,339.00 16,038,220.00 15,837,725.00 - - - 20,130,546.00
DEI Adjusted Shares Outstanding		 14,189,535.00 14,527,719.00 15,626,294.00 15,924,959.00 15,998,339.00 16,038,220.00 15,837,725.00 - - - 20,130,546.00
DEI Earnings Per Adjusted Shares Outstanding		 2.00 2.20 2.15 2.48 3.05 2.39 4.91 - - - 3.72
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 5.48% 10.19% 6.42% 8.14% 6.87% 6.97% 10.69% 5.95% 0.15% -45.36% 109.52%
EBITDA Growth		 1.39% 12.30% -0.65% 10.42% 19.22% -18.10% 94.02% -24.12% -11.23% -178.51% 258.44%
EBIT Growth		 -0.27% 13.54% -1.52% 13.94% 19.96% -23.05% 112.63% -27.00% -11.16% -208.08% 234.05%
NOPAT Growth		 -3.47% 12.68% 5.00% 17.90% 23.62% -21.55% 102.69% -27.19% -11.15% -194.91% 256.94%
Net Income Growth		 -3.47% 12.68% 5.00% 17.90% 23.62% -21.55% 102.69% -27.19% -11.15% -182.85% 279.77%
EPS Growth		 -5.00% 10.53% 1.43% 12.21% 23.85% -22.30% 107.83% -25.52% -11.52% -187.30% 231.27%
Operating Cash Flow Growth		 22.31% 8.37% -0.89% 40.75% -11.40% -24.70% 67.90% 83.07% -91.84% 607.98% -75.62%
Free Cash Flow Firm Growth		 142.59% -295.65% -334.71% 100.73% 19,162.46% 22.30% -93.49% -220.53% -52.27% -160.63% 16.26%
Invested Capital Growth		 1.89% 10.33% 25.47% 4.44% -16.72% -27.39% 11.29% 12.44% 11.61% 3.73% 17.49%
Revenue Q/Q Growth		 3.22% 1.91% 2.03% 1.68% 0.87% 2.64% 2.56% 0.73% 0.55% -47.24% 86.38%
EBITDA Q/Q Growth		 1.71% 6.26% -0.11% -3.61% 6.72% 4.37% 8.68% -10.57% 8.05% -175.15% 308.64%
EBIT Q/Q Growth		 2.05% 7.17% -0.23% -3.78% 6.70% 4.74% 9.39% -11.67% 0.76% -209.82% 290.67%
NOPAT Q/Q Growth		 -4.34% 6.89% 7.59% -8.28% 12.99% 1.84% 8.09% -11.74% -4.39% -193.64% 323.23%
Net Income Q/Q Growth		 -4.34% 6.89% 7.59% -8.28% 12.99% 1.84% 8.09% -11.74% -4.39% -181.75% 368.11%
EPS Q/Q Growth		 -4.52% 6.60% 5.97% -9.13% 12.98% 2.22% 8.39% -11.22% -4.83% -186.75% 235.21%
Operating Cash Flow Q/Q Growth		 32.87% 2.94% 3.57% 5.62% 4.00% 17.94% 16.51% -11.50% -85.42% 3,058.35% -22.99%
Free Cash Flow Firm Q/Q Growth		 131.91% -422.18% -59.53% -94.66% 101.12% 11.26% 221.36% -120.26% -118.09% -193.17% 56.04%
Invested Capital Q/Q Growth		 8.71% 15.97% 21.03% 22.37% 10.31% 9.26% 7.26% 27.48% 26.72% 16.57% 17.66%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 37.77% 38.49% 35.93% 36.69% 40.93% 31.34% 54.93% 39.34% 34.87% -50.10% 37.89%
EBIT Margin		 30.94% 31.88% 29.50% 31.09% 34.89% 25.10% 48.22% 33.22% 29.47% -58.29% 37.30%
Profit (Net Income) Margin		 22.55% 23.06% 22.75% 24.81% 28.69% 21.04% 38.53% 26.48% 23.49% -35.62% 30.57%
Tax Burden Percent		 72.89% 72.34% 77.12% 79.80% 82.23% 83.84% 79.92% 79.71% 79.72% 61.11% 81.95%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 27.11% 27.66% 22.88% 20.20% 17.77% 16.16% 20.08% 20.29% 20.28% 0.00% 18.05%
Return on Invested Capital (ROIC)		 4.57% 4.85% 4.31% 4.46% 5.89% 5.89% 13.44% 8.74% 6.94% -6.13% 8.68%
ROIC Less NNEP Spread (ROIC-NNEP)		 4.57% 4.85% 4.31% 4.46% 5.89% 5.89% 13.44% 8.74% 6.94% -3.86% 8.68%
Return on Net Nonoperating Assets (RNNOA)		 5.31% 5.55% 5.26% 5.71% 5.81% 2.56% 2.52% 3.68% 4.75% -2.01% 3.82%
Return on Equity (ROE)		 9.88% 10.40% 9.56% 10.17% 11.70% 8.45% 15.96% 12.42% 11.68% -8.14% 12.50%
Cash Return on Invested Capital (CROIC)		 2.70% -4.98% -18.29% 0.12% 24.13% 37.63% 2.76% -2.97% -4.04% -9.79% -7.40%
Operating Return on Assets (OROA)		 1.20% 1.24% 1.11% 1.18% 1.37% 0.98% 1.86% 1.25% 1.05% -1.11% 1.47%
Return on Assets (ROA)		 0.88% 0.90% 0.86% 0.94% 1.12% 0.82% 1.49% 1.00% 0.84% -0.68% 1.21%
Return on Common Equity (ROCE)		 9.29% 9.82% 9.09% 9.71% 11.21% 8.13% 15.39% 11.95% 11.21% -7.86% 12.14%
Return on Equity Simple (ROE_SIMPLE)		 9.64% 9.98% 8.80% 9.97% 11.13% 8.18% 15.38% 13.95% 11.05% -7.32% 11.91%
Net Operating Profit after Tax (NOPAT)		 28 32 34 40 49 38 78 57 50 -48 75
NOPAT Margin		 22.55% 23.06% 22.75% 24.81% 28.69% 21.04% 38.53% 26.48% 23.49% -40.80% 30.57%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% -2.27% 0.00%
SG&A Expenses to Revenue		 49.78% 47.88% 48.92% 50.64% 49.00% 47.89% 45.17% 48.86% 50.81% 89.60% 46.22%
Operating Expenses to Revenue		 63.19% 61.16% 61.43% 63.31% 60.38% 59.98% 55.92% 60.55% 64.14% 153.03% 57.96%
Earnings before Interest and Taxes (EBIT)		 39 44 43 50 59 46 97 71 63 -68 91
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 47 53 53 58 70 57 111 84 75 -59 93
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.01 1.19 0.99 0.83 0.97 0.67 0.90 0.85 0.71 0.77 1.02
Price to Tangible Book Value (P/TBV)		 1.33 1.58 1.25 1.04 1.18 0.80 1.06 1.05 0.85 0.86 1.13
Price to Revenue (P/Rev)		 2.23 2.60 2.46 1.97 2.39 1.66 2.17 1.55 1.45 3.61 2.53
Price to Earnings (P/E)		 10.41 11.81 11.28 8.25 8.60 8.20 5.74 6.01 6.35 0.00 8.46
Dividend Yield		 4.06% 3.27% 3.67% 4.87% 3.92% 5.51% 3.91% 5.37% 5.96% 4.40% 4.02%
Earnings Yield		 9.61% 8.47% 8.86% 12.11% 11.62% 12.19% 17.44% 16.64% 15.74% 0.00% 11.82%
Enterprise Value to Invested Capital (EV/IC)		 0.91 0.98 0.88 0.81 0.83 0.56 0.79 0.73 0.67 0.73 0.89
Enterprise Value to Revenue (EV/Rev)		 4.53 4.89 5.19 4.63 3.68 1.67 2.38 2.33 2.40 4.93 3.40
Enterprise Value to EBITDA (EV/EBITDA)		 11.99 12.69 14.45 12.61 8.99 5.34 4.33 5.92 6.87 0.00 8.97
Enterprise Value to EBIT (EV/EBIT)		 14.64 15.32 17.60 14.89 10.55 6.67 4.93 7.01 8.13 0.00 9.11
Enterprise Value to NOPAT (EV/NOPAT)		 20.08 21.18 22.82 18.66 12.83 7.95 6.17 8.79 10.20 0.00 11.11
Enterprise Value to Operating Cash Flow (EV/OCF)		 13.20 14.49 16.54 11.32 10.86 7.02 6.57 3.72 47.05 7.47 44.25
Enterprise Value to Free Cash Flow (EV/FCFF)		 33.99 0.00 0.00 709.81 3.13 1.25 30.09 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.13 1.16 1.27 1.28 0.72 0.17 0.21 0.69 0.68 0.39 0.48
Long-Term Debt to Equity		 0.13 0.12 0.10 0.10 0.09 0.16 0.15 0.18 0.27 0.22 0.31
Financial Leverage		 1.16 1.14 1.22 1.28 0.99 0.43 0.19 0.42 0.68 0.52 0.44
Leverage Ratio		 11.29 11.55 11.15 10.83 10.41 10.25 10.72 12.43 13.90 11.99 10.34
Compound Leverage Factor		 11.29 11.55 11.15 10.83 10.41 10.25 10.72 12.43 13.90 11.99 10.34
Debt to Total Capital		 53.06% 53.66% 56.01% 56.21% 41.76% 14.42% 17.06% 40.77% 40.50% 28.23% 32.49%
Short-Term Debt to Total Capital		 46.83% 48.00% 51.49% 51.88% 36.55% 0.97% 4.93% 29.93% 24.20% 12.49% 11.70%
Long-Term Debt to Total Capital		 6.23% 5.66% 4.52% 4.33% 5.21% 13.45% 12.14% 10.84% 16.29% 15.75% 20.79%
Preferred Equity to Total Capital		 2.77% 2.51% 2.00% 1.91% 2.30% 3.17% 2.84% 2.53% 2.26% 2.18% 1.86%
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% 0.00%
Common Equity to Total Capital		 44.17% 43.83% 41.99% 41.87% 55.94% 82.41% 80.10% 56.70% 57.24% 69.59% 65.65%
Debt to EBITDA		 7.00 6.95 9.17 8.70 4.52 1.38 0.94 3.32 4.15 -3.82 3.26
Net Debt to EBITDA		 5.73 5.62 7.29 6.94 2.90 -0.26 0.22 1.77 2.48 -2.33 2.09
Long-Term Debt to EBITDA		 0.82 0.73 0.74 0.67 0.56 1.29 0.67 0.88 1.67 -2.13 2.09
Debt to NOPAT		 11.72 11.61 14.48 12.87 6.44 2.06 1.34 4.94 6.16 -4.69 4.04
Net Debt to NOPAT		 9.60 9.37 11.52 10.27 4.13 -0.39 0.32 2.63 3.68 -2.86 2.59
Long-Term Debt to NOPAT		 1.38 1.22 1.17 0.99 0.80 1.92 0.95 1.31 2.48 -2.62 2.59
Noncontrolling Interest Sharing Ratio		 6.05% 5.65% 4.94% 4.46% 4.15% 3.82% 3.56% 3.80% 4.02% 3.38% 2.89%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 17 -33 -142 1.04 200 245 16 -19 -29 -76 -64
Operating Cash Flow to CapEx		 575.06% 612.86% 597.92% 2,292.01% 1,585.88% 1,019.11% 775.94% 1,596.04% 364.10% 1,550.60% 338.90%
Free Cash Flow to Firm to Interest Expense		 1.65 -2.61 -8.14 0.03 5.15 10.97 1.28 -0.67 -0.24 -0.51 -0.48
Operating Cash Flow to Interest Expense		 4.25 3.72 2.65 2.18 1.48 1.95 5.85 4.65 0.09 0.52 0.14
Operating Cash Flow Less CapEx to Interest Expense		 3.51 3.12 2.20 2.09 1.39 1.76 5.09 4.36 0.07 0.48 0.10
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.02 0.04
Fixed Asset Turnover		 3.31 3.38 3.36 3.62 4.04 4.44 5.00 5.20 5.23 2.93 6.14
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 626 691 867 905 754 547 609 685 764 793 932
Invested Capital Turnover		 0.20 0.21 0.19 0.18 0.21 0.28 0.35 0.33 0.30 0.15 0.28
Increase / (Decrease) in Invested Capital		 12 65 176 38 -151 -206 62 76 80 28 139
Enterprise Value (EV)		 569 676 765 737 627 305 479 497 513 576 832
Market Capitalization		 280 360 362 314 408 302 437 331 310 422 621
Book Value per Share		 $19.49 $20.84 $23.28 $23.80 $26.35 $28.12 $30.80 $25.32 $28.40 $35.65 $30.38
Tangible Book Value per Share		 $14.77 $15.63 $18.50 $19.01 $21.67 $23.52 $26.11 $20.53 $23.70 $31.73 $27.38
Total Capital		 626 691 867 905 754 547 609 685 764 793 932
Total Debt		 332 371 485 509 315 79 104 279 310 224 303
Total Long-Term Debt		 39 39 39 39 39 74 74 74 125 125 194
Net Debt		 272 299 386 406 202 -15 25 149 185 137 194
Capital Expenditures (CapEx)		 7.49 7.62 7.74 2.84 3.64 4.26 9.40 8.37 2.99 4.97 5.55
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 -6.06 0.00
Net Nonoperating Obligations (NNO)		 332 371 485 509 315 79 104 279 310 224 303
Total Depreciation and Amortization (D&A)		 8.58 9.15 9.48 8.93 10 11 14 13 12 9.57 1.45
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.91 $2.11 $2.13 $2.39 $2.97 $2.30 $4.81 $3.58 $3.17 ($2.75) $3.65
Adjusted Weighted Average Basic Shares Outstanding		 14.08M 14.44M 15.04M 15.91M 15.97M 16.02M 15.84M 15.38M 15.38M 15.68M 20.10M
Adjusted Diluted Earnings per Share		 $1.90 $2.10 $2.13 $2.39 $2.96 $2.30 $4.78 $3.56 $3.15 ($2.75) $3.61
Adjusted Weighted Average Diluted Shares Outstanding		 14.14M 14.49M 15.09M 15.96M 16.03M 16.06M 15.94M 15.47M 15.48M 15.68M 20.32M
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 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 14.49M 14.53M 15.90M 15.93M 16.00M 15.82M 15.53M 15.38M 15.41M 20.08M 19.63M
Normalized Net Operating Profit after Tax (NOPAT)		 29 32 35 41 49 40 78 58 50 -48 75
Normalized NOPAT Margin		 22.99% 23.06% 23.58% 25.98% 28.69% 21.73% 38.58% 27.08% 23.53% -40.78% 30.57%
Pre Tax Income Margin		 30.94% 31.88% 29.50% 31.09% 34.89% 25.10% 48.22% 33.22% 29.47% -58.29% 37.30%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 3.84 3.52 2.48 1.66 1.53 2.05 7.79 2.47 0.52 -0.46 0.69
NOPAT to Interest Expense		 2.80 2.55 1.92 1.32 1.26 1.72 6.23 1.97 0.42 -0.32 0.56
EBIT Less CapEx to Interest Expense		 3.10 2.91 2.04 1.56 1.43 1.86 7.04 2.18 0.50 -0.49 0.65
NOPAT Less CapEx to Interest Expense		 2.06 1.94 1.47 1.23 1.16 1.53 5.47 1.68 0.39 -0.35 0.52
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 44.89% 40.54% 41.63% 41.51% 35.32% 46.85% 23.75% 33.68% 39.28% -47.96% 34.96%
Augmented Payout Ratio		 45.60% 40.54% 42.07% 41.80% 35.92% 47.39% 35.63% 60.79% 40.42% -48.98% 50.21%

Quarterly Metrics And Ratios for Financial Institutions

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

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
DEI Shares Outstanding		 - - - - - 20,077,893.00 20,109,712.00 20,129,633.00 20,130,546.00 19,634,210.00 19,686,370.00
DEI Adjusted Shares Outstanding		 - - - - - 20,077,893.00 20,109,712.00 20,129,633.00 20,130,546.00 19,634,210.00 19,686,370.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - 0.84 0.87 1.02 0.99 1.07 1.08
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 2.16% -3.33% 21.20% -3.91% -189.41% 12.27% -8.39% 27.38% 229.79% 9.49% 7.66%
EBITDA Growth		 31.69% -70.97% 66.05% 21.12% -591.15% 317.17% -32.41% 49.67% 121.03% 14.18% 14.10%
EBIT Growth		 3.31% -83.68% 79.54% -11.63% -871.75% 750.12% -28.70% 73.48% 120.82% 20.40% 19.11%
NOPAT Growth		 -19.09% -82.88% 78.31% -3.97% -925.03% 715.36% -31.59% 52.06% 124.76% 24.33% 20.83%
Net Income Growth		 -19.09% -82.88% 78.31% -3.97% -946.74% 715.36% -31.59% 52.06% 124.13% 24.33% 20.83%
EPS Growth		 -21.05% -85.53% 78.02% -4.55% -986.67% 636.36% -47.53% 17.86% 118.05% 28.40% 22.35%
Operating Cash Flow Growth		 -395.26% 87.29% 332.25% -95.09% 156.67% -18.59% -116.05% -420.54% -20.77% 136.76% 495.83%
Free Cash Flow Firm Growth		 -9.48% 70.70% 151.67% -22.16% -56.60% -30.07% -103.69% -43.59% -8.71% 32.57% -1,037.64%
Invested Capital Growth		 11.61% 6.07% -14.05% 12.76% 3.73% 9.46% 2.93% 16.41% 17.49% 7.07% 10.58%
Revenue Q/Q Growth		 5.93% -7.73% 27.90% -23.14% -198.57% 215.86% 4.37% 6.87% 0.43% -2.27% 2.63%
EBITDA Q/Q Growth		 65.21% -77.61% 533.36% -48.30% -769.94% 119.02% 2.62% 14.47% -5.86% 3.25% 2.55%
EBIT Q/Q Growth		 -9.27% -83.76% 1,142.62% -51.74% -892.33% 117.89% 4.22% 17.41% -4.92% 3.48% 3.10%
NOPAT Q/Q Growth		 -30.25% -78.83% 1,138.12% -47.46% -699.20% 120.92% 3.87% 16.80% -2.43% 5.03% 0.95%
Net Income Q/Q Growth		 -30.25% -78.83% 1,138.12% -47.46% -714.96% 120.38% 3.87% 16.80% -2.43% 5.03% 0.95%
EPS Q/Q Growth		 -31.82% -81.67% 1,372.73% -48.15% -733.33% 115.23% 4.94% 16.47% -3.03% 8.33% 0.00%
Operating Cash Flow Q/Q Growth		 -208.96% 125.78% 190.27% -93.98% 1,158.31% -62.97% -157.22% -20.21% 411.01% 10.67% -4.34%
Free Cash Flow Firm Q/Q Growth		 -34.19% 45.28% 507.65% -140.81% -72.02% 54.55% 88.43% -1,487.18% -30.25% 71.81% -95.22%
Invested Capital Q/Q Growth		 26.72% -7.98% 12.94% -14.38% 16.57% -2.90% 6.21% -3.17% 17.66% -11.51% 9.69%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 41.80% 10.14% 50.23% 33.78% 0.00% 37.69% 37.06% 39.69% 37.21% 39.31% 39.27%
EBIT Margin		 27.03% 4.76% 46.23% 29.03% 0.00% 36.03% 35.98% 39.53% 37.43% 39.63% 39.81%
Profit (Net Income) Margin		 17.70% 4.06% 39.30% 26.87% 0.00% 29.49% 29.35% 32.07% 31.16% 33.49% 32.94%
Tax Burden Percent		 65.48% 85.33% 85.02% 92.56% 71.84% 81.84% 81.56% 81.14% 83.26% 84.51% 82.74%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 34.52% 14.67% 14.98% 7.44% 0.00% 18.16% 18.44% 18.86% 16.74% 15.49% 17.26%
Return on Invested Capital (ROIC)		 5.23% 1.26% 10.23% 9.28% 0.00% 4.93% 4.29% 5.73% 8.85% 10.52% 9.75%
ROIC Less NNEP Spread (ROIC-NNEP)		 5.23% 1.26% 10.23% 9.28% 0.00% 4.93% 4.29% 5.73% 8.85% 10.52% 9.75%
Return on Net Nonoperating Assets (RNNOA)		 3.58% 0.68% 9.44% 3.82% 0.00% 2.08% 2.17% 1.79% 3.89% 3.21% 3.73%
Return on Equity (ROE)		 8.80% 1.95% 19.67% 13.10% 0.00% 7.01% 6.46% 7.51% 12.74% 13.73% 13.49%
Cash Return on Invested Capital (CROIC)		 -4.04% 0.00% 21.11% -4.05% -9.79% -13.78% -7.98% -19.72% -7.40% 3.08% -0.45%
Operating Return on Assets (OROA)		 0.97% 0.16% 1.68% 1.05% 0.00% 0.70% 0.69% 0.83% 1.48% 1.57% 1.63%
Return on Assets (ROA)		 0.63% 0.14% 1.43% 0.97% 0.00% 0.57% 0.56% 0.68% 1.23% 1.33% 1.35%
Return on Common Equity (ROCE)		 8.45% 1.83% 18.91% 12.60% 0.00% 6.78% 6.25% 7.28% 12.38% 13.34% 13.11%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 9.03% 11.01% 10.18% 0.00% -4.55% -5.81% -4.49% 0.00% 12.50% 12.84%
Net Operating Profit after Tax (NOPAT)		 9.78 2.07 26 13 -81 17 18 20 20 21 21
NOPAT Margin		 17.70% 4.06% 39.30% 26.87% 0.00% 29.49% 29.35% 32.07% 31.16% 33.49% 32.94%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.80% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 49.79% 52.52% 38.31% 49.83% 0.00% 45.98% 47.58% 44.82% 46.54% 46.60% 45.42%
Operating Expenses to Revenue		 63.43% 105.94% 50.64% 64.78% 0.00% 58.85% 59.73% 56.19% 57.27% 56.80% 55.36%
Earnings before Interest and Taxes (EBIT)		 15 2.43 30 15 -115 21 21 25 24 25 26
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 23 5.17 33 17 -113 22 22 25 24 25 25
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.71 0.67 0.66 0.82 0.77 0.84 0.88 0.91 1.02 1.01 1.23
Price to Tangible Book Value (P/TBV)		 0.85 0.80 0.77 0.93 0.86 0.94 0.99 1.01 1.13 1.12 1.36
Price to Revenue (P/Rev)		 1.45 1.34 1.33 1.78 3.61 3.90 4.39 4.17 2.53 2.49 3.01
Price to Earnings (P/E)		 6.35 7.35 5.96 7.96 0.00 0.00 0.00 0.00 8.46 8.03 9.45
Dividend Yield		 5.96% 6.49% 6.21% 4.71% 4.40% 5.06% 4.75% 4.52% 4.02% 3.94% 3.23%
Earnings Yield		 15.74% 13.61% 16.77% 12.56% 0.00% 0.00% 0.00% 0.00% 11.82% 12.45% 10.58%
Enterprise Value to Invested Capital (EV/IC)		 0.67 0.46 0.62 0.50 0.73 0.66 0.80 0.69 0.89 0.91 1.05
Enterprise Value to Revenue (EV/Rev)		 2.40 1.52 2.22 1.54 4.93 4.14 5.58 4.18 3.40 2.98 3.71
Enterprise Value to EBITDA (EV/EBITDA)		 6.87 5.21 6.61 4.38 0.00 0.00 0.00 0.00 8.97 7.79 9.56
Enterprise Value to EBIT (EV/EBIT)		 8.13 6.38 7.75 5.50 0.00 0.00 0.00 0.00 9.11 7.82 9.49
Enterprise Value to NOPAT (EV/NOPAT)		 10.20 8.02 9.63 6.70 0.00 0.00 0.00 0.00 11.11 9.46 11.45
Enterprise Value to Operating Cash Flow (EV/OCF)		 47.05 19.42 11.26 139.87 7.47 6.81 19.63 22.48 44.25 23.00 15.54
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 14,036.87 2.73 0.00 0.00 0.00 0.00 0.00 0.00 30.46 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.68 0.58 0.70 0.36 0.39 0.31 0.36 0.27 0.48 0.30 0.41
Long-Term Debt to Equity		 0.27 0.28 0.27 0.25 0.22 0.21 0.19 0.19 0.31 0.12 0.12
Financial Leverage		 0.68 0.54 0.92 0.41 0.52 0.42 0.51 0.31 0.44 0.31 0.38
Leverage Ratio		 13.90 13.85 13.74 13.53 11.99 12.20 11.48 11.09 10.34 10.34 10.02
Compound Leverage Factor		 13.90 13.85 13.74 13.53 11.99 12.20 11.48 11.09 10.34 10.34 10.02
Debt to Total Capital		 40.50% 36.63% 41.13% 26.43% 28.23% 23.37% 26.41% 21.47% 32.49% 23.37% 28.83%
Short-Term Debt to Total Capital		 24.20% 18.91% 25.43% 8.09% 12.49% 7.14% 12.35% 6.95% 11.70% 13.83% 20.13%
Long-Term Debt to Total Capital		 16.29% 17.72% 15.70% 18.34% 15.75% 16.23% 14.06% 14.53% 20.79% 9.54% 8.70%
Preferred Equity to Total Capital		 2.26% 2.46% 2.18% 2.54% 2.18% 2.25% 2.11% 2.18% 1.86% 2.10% 1.91%
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% 0.00%
Common Equity to Total Capital		 57.24% 60.92% 56.70% 71.03% 69.59% 74.38% 71.47% 76.34% 65.65% 74.54% 69.25%
Debt to EBITDA		 4.15 4.16 4.36 2.31 -3.82 -4.27 -4.09 -3.82 3.26 2.01 2.63
Net Debt to EBITDA		 2.48 0.33 2.40 -0.90 -2.33 -0.30 -2.33 0.36 2.09 1.12 1.63
Long-Term Debt to EBITDA		 1.67 2.01 1.66 1.60 -2.13 -2.96 -2.18 -2.59 2.09 0.82 0.80
Debt to NOPAT		 6.16 6.40 6.34 3.53 -4.69 -5.15 -5.26 -5.07 4.04 2.44 3.16
Net Debt to NOPAT		 3.68 0.51 3.50 -1.37 -2.86 -0.36 -3.00 0.48 2.59 1.36 1.95
Long-Term Debt to NOPAT		 2.48 3.10 2.42 2.45 -2.62 -3.57 -2.80 -3.43 2.59 1.00 0.95
Noncontrolling Interest Sharing Ratio		 4.02% 5.86% 3.87% 3.80% 0.00% 3.34% 3.23% 3.08% 2.89% 2.83% 2.78%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -70 -38 156 -63 -109 -50 -5.74 -91 -119 -33 -65
Operating Cash Flow to CapEx		 -3,804.39% 1,046.85% 3,751.21% 87.78% 6,703.72% 1,226.10% -358.71% -678.03% 1,009.15% 3,644.31% 2,672.29%
Free Cash Flow to Firm to Interest Expense		 -1.90 -1.00 4.14 -1.70 -2.99 -1.45 -0.17 -2.79 -3.66 -1.13 -2.20
Operating Cash Flow to Interest Expense		 -1.30 0.32 0.95 0.06 0.74 0.29 -0.17 -0.21 0.66 0.80 0.76
Operating Cash Flow Less CapEx to Interest Expense		 -1.33 0.29 0.92 -0.01 0.73 0.27 -0.22 -0.24 0.59 0.78 0.73
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.03 0.04 0.04 0.02 0.02 0.02 0.02 0.04 0.04 0.04
Fixed Asset Turnover		 5.23 5.21 5.58 5.49 2.93 3.11 2.97 3.29 6.14 6.43 6.56
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 764 703 794 680 793 770 818 792 932 824 904
Invested Capital Turnover		 0.30 0.31 0.26 0.35 0.15 0.17 0.15 0.18 0.28 0.31 0.30
Increase / (Decrease) in Invested Capital		 80 40 -130 77 28 67 23 112 139 54 87
Enterprise Value (EV)		 513 323 496 342 576 510 657 549 832 747 946
Market Capitalization		 310 285 298 394 422 480 516 548 621 623 767
Book Value per Share		 $28.40 $27.81 $29.16 $31.22 $35.65 $28.52 $29.06 $30.03 $30.38 $31.29 $31.81
Tangible Book Value per Share		 $23.70 $23.11 $25.21 $27.29 $31.73 $25.50 $26.05 $27.02 $27.38 $28.22 $28.75
Total Capital		 764 703 794 680 793 770 818 792 932 824 904
Total Debt		 310 258 327 180 224 180 216 170 303 193 261
Total Long-Term Debt		 125 125 125 125 125 125 115 115 194 79 79
Net Debt		 185 21 180 -70 137 13 123 -16 194 107 162
Capital Expenditures (CapEx)		 1.25 1.17 0.95 2.45 0.40 0.82 1.60 1.02 2.12 0.65 0.85
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 2.12 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 310 258 327 180 224 180 216 170 303 193 261
Total Depreciation and Amortization (D&A)		 8.16 2.75 2.61 2.38 1.84 0.95 0.64 0.10 -0.14 -0.20 -0.34
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.61 $0.11 $1.64 $0.85 ($5.35) $0.82 $0.85 $1.00 $0.98 $1.05 $1.06
Adjusted Weighted Average Basic Shares Outstanding		 15.38M 15.45M 15.47M 15.47M 15.68M 20.11M 20.13M 20.13M 20.10M 19.69M 19.71M
Adjusted Diluted Earnings per Share		 $0.60 $0.11 $1.62 $0.84 ($5.32) $0.81 $0.85 $0.99 $0.96 $1.04 $1.04
Adjusted Weighted Average Diluted Shares Outstanding		 15.48M 15.45M 15.47M 15.47M 15.68M 20.11M 20.13M 20.13M 20.32M 19.69M 19.71M
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 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 15.41M 15.45M 15.47M 15.47M 20.08M 20.11M 20.13M 20.13M 19.63M 19.69M 19.71M
Normalized Net Operating Profit after Tax (NOPAT)		 9.90 2.07 26 13 -81 17 18 20 20 21 21
Normalized NOPAT Margin		 17.92% 4.06% 39.30% 26.87% 0.00% 29.49% 29.35% 32.07% 31.16% 33.49% 32.94%
Pre Tax Income Margin		 27.03% 4.76% 46.23% 29.03% 0.00% 36.03% 35.98% 39.53% 37.43% 39.63% 39.81%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.41 0.06 0.80 0.39 -3.16 0.60 0.64 0.77 0.74 0.84 0.86
NOPAT to Interest Expense		 0.27 0.05 0.68 0.36 -2.21 0.49 0.52 0.63 0.62 0.71 0.71
EBIT Less CapEx to Interest Expense		 0.37 0.03 0.78 0.33 -3.17 0.58 0.59 0.74 0.67 0.82 0.83
NOPAT Less CapEx to Interest Expense		 0.23 0.02 0.66 0.30 -2.22 0.47 0.47 0.60 0.55 0.69 0.68
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 39.28% 49.49% 38.69% 39.17% -47.96% -79.65% -65.77% -88.01% 34.96% 33.42% 32.01%
Augmented Payout Ratio		 40.42% 50.49% 39.47% 40.01% -48.98% -81.56% -67.23% -89.87% 50.21% 55.03% 52.75%

Financials Breakdown Chart

Key Financial Trends

Financial Institutions Inc. (NASDAQ:FISI) continues to show improving profitability and balance-sheet growth, although cash flows and investment results remain volatile. The latest quarter provides a favorable comparison with the restated second quarter of 2025, with stronger net interest income, loan growth and earnings. However, the company remains exposed to deposit movements, funding costs, credit provisions and swings in investment gains and losses.

  • Profitability improved meaningfully. Q2 2026 net income rose to $21.2 million from $17.5 million in Q2 2025, an increase of approximately 21%. Net income has also recovered substantially from the $82.8 million loss recorded in Q4 2024.
  • Net interest income is trending higher. Q2 2026 net interest income reached $53.4 million, up from $49.1 million a year earlier and $40.1 million in Q1 2024. This reflects the company’s larger loan base and improved spread performance compared with 2023 and early 2024.
  • Loan balances continue to expand. Net loans and leases increased to $4.71 billion in Q2 2026 from $4.42 billion in Q2 2025 and $4.36 billion in Q3 2024. The data shows continued growth in the core lending business, though earlier periods used a loans-held-for-sale classification, limiting direct comparisons.
  • Revenue growth has become more consistent. Total revenue increased approximately 8% year over year to $64.3 million in Q2 2026. Non-interest income also rose to $11.0 million from $10.6 million, supported by higher trust fees and other service charges.
  • Operating cash flow remains positive in 2026. Net cash from operating activities was $22.7 million in Q2 2026 and $23.7 million in Q1. This is a significant improvement from negative operating cash flow in Q2 and Q3 2025, although operating cash flow was also positive in several 2023 and 2024 quarters.
  • Capital and book value have strengthened. Total equity increased to $643.4 million in Q2 2026 from $467.7 million in Q2 2024, while total assets rose to $6.33 billion from $6.13 billion over the same period. Retained earnings have increased steadily, reaching $466.0 million in Q2 2026.
  • The common dividend has grown gradually. The quarterly common dividend increased from $0.29 per share in late 2022 to $0.32 in Q2 2026. The latest dividend represented roughly 31% of diluted earnings per share, leaving a reasonable portion of earnings available to support capital growth.
  • Cash balances are being actively managed. Cash and due from banks increased to $59.6 million in Q2 2026 from $56.3 million in Q1, but remain below the $146.3 million reported in Q2 2024 and the $249.6 million reported in Q3 2024. Liquidity should be evaluated alongside the company’s securities portfolio and deposit stability rather than cash alone.
  • Investment securities remain a major source of balance-sheet movement. Trading account securities declined to $913.0 million in Q2 2026 from $1.00 billion in Q1, while investment purchases and maturities were both substantial. This suggests active portfolio repositioning and could affect future interest income, liquidity and reported gains or losses.
  • Credit-loss provisions are rising again. The provision for credit losses increased to $3.1 million in Q2 2026 from $2.6 million in Q2 2025 and $2.2 million in Q1 2026. Although the provision remains well below the $6.5 million reported in Q4 2022, continued loan growth means investors should monitor whether credit costs accelerate.

FISI’s latest results point to a healthier earnings profile than the company displayed during the 2024 disruption. Net interest income, loans, assets and equity have generally moved higher since 2023, while quarterly diluted EPS improved from $0.76 in Q4 2022 to $1.04 in Q2 2026. The recovery is encouraging, but the sharp $100.6 million investment loss in Q4 2024 and the subsequent $14.4 million investment gain in Q2 2025 demonstrate that non-interest results can materially distort quarterly performance.

Funding trends remain an important watch point. Interest-bearing deposits were $4.35 billion in Q2 2026, slightly below Q1 but above Q2 2025, while short-term debt rose to $182.0 million from $114.0 million in Q1. Q2 financing cash flow was positive largely because of $68.0 million in debt issuance, even as deposits declined by $38.4 million. Investors should therefore watch deposit retention, borrowing needs and deposit interest expense, which was still $27.5 million in the latest quarter.

Overall, the financial statements show positive operating momentum with moderate balance-sheet and earnings risks. The most important factors for shareholders are whether loan growth can continue without a sharp rise in credit losses, whether funding costs remain manageable, and whether investment portfolio volatility stays contained.

08/31/26 02:23 PM ETAI Generated. May Contain Errors.

Financial Institutions Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Financial Institutions' fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

Over the last 10 years, Financial Institutions' net income changed from $28.34 million in 2015 to $74.87 million in 2025, a change of 164.2%. See where experts think Financial Institutions is headed by visiting Financial Institutions' forecast page.

Over the last 10 years, Financial Institutions' total revenue changed from $125.65 million in 2015 to $244.94 million in 2025, a change of 94.9%.

Financial Institutions' total liabilities were at $5.65 billion at the end of 2025, a 1.8% increase from 2024, and a 82.9% increase since 2015.

In the past 10 years, Financial Institutions' cash and equivalents has ranged from $54.96 million in 2024 to $130.47 million in 2022, and is currently $57.14 million as of their latest financial filing in 2025.

Over the last 10 years, Financial Institutions' book value per share changed from 19.49 in 2015 to 30.38 in 2025, a change of 55.9%.


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Financial statements for NASDAQ:FISI last updated on 8/3/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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