Skip to content

Financial Institutions FISI Bank Owned Life Insurance Income

Bank Owned Life Insurance Income at other companies

SMB
SmartFinancialSMBK
$913K+2.8%
Community Financial System logo
Community Financial SystemCBU
$991K+78.2%
Customers Bancorp logo
Customers BancorpCUBI
$3.08M-33.8%
NBT
NBT BancorpNBTB
$2.66M-21.7%
CTB
Community Trust BancorpCTBI

Other financials

Income statement

See full
Revenue$62.7M+9.5%
Net income$21.0M+24.3%
EPS (diluted)$1.04+28.4%

Balance sheet

See full
Cash & equivalents$85.5M-48.9%
Total debt$224.6M+5.7%
Total equity$631.7M+7.1%
Total assets$6.3B-0.7%

Cash flow

See full
Operating cash flow$23.7M+137%
CapEx$650.0K-20.3%
Free cash flow$23.0M+151%

Valuation

See full
Market cap$761.27M+53.9%
Enterprise value$900.46M+66.8%
P/E9.6×
P/S

Profitability

See full
Net margin31.5%
FCF margin33%-35.0pp

Returns & leverage

See full
Return on equity12.9%+10.1pp
Debt / equity0.4×0.0×

Where this comes from

Reported directly by Financial Institutions in its filing.

Tagged under the XBRL concept us-gaap:BankOwnedLifeInsuranceIncome.

The official record: Financial Institutions’s 10-Q, filed May 4, 2026, on SEC EDGAR. View the filing →

Ask your AI about Financial Institutions's bank owned life insurance income.

Connect your AI assistant and compare it to peers, right in your chat.

Connect your AI
Harbor at dusk
Claude

Questions, answered.

What is Financial Institutions's bank owned life insurance income?
Financial Institutions (FISI) reported bank owned life insurance income of $2.77M in Q1 2026.
How has Financial Institutions's bank owned life insurance income changed year-over-year?
Financial Institutions's bank owned life insurance income decreased by 0.2% year-over-year, from $2.78M to $2.77M.
What is the long-term trend for Financial Institutions's bank owned life insurance income?
Over 4 years (2021 to 2025), Financial Institutions's bank owned life insurance income has grown at a 40.2% compound annual growth rate (CAGR), from $2.95M to $11.38M.
What does bank owned life insurance income mean?
This represents the earnings generated from bank-owned life insurance (BOLI) policies, typically reflecting the increase in the cash surrender value of the policies. BOLI is often used by financial institutions as a tax-advantaged method to offset the costs of employee benefit programs. It serves as a stable, non-interest income stream that contributes to the bank's overall profitability.