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Financial Institutions FISI Retained Earnings

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$314.62M+14.7%

Other financials

Income statement

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Revenue$64.3M+7.7%
Net income$21.2M+20.8%
EPS (diluted)$1.04+22.4%

Balance sheet

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Cash & equivalents$99.2M+6.6%
Total debt$260.7M+5.1%
Total equity$643.4M+6.9%
Total assets$6.3B+3.1%

Cash flow

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

Valuation

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Market cap$826.88M+65.3%
Enterprise value$988.4M+50.8%
P/E10×
P/S3.2×

Profitability

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Net margin32.4%
FCF margin33%-35.0pp

Returns & leverage

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Return on equity13.3%+10.0pp
Debt / equity0.4×0.0×

Where this comes from

Reported directly by Financial Institutions in its filing.

Tagged under the XBRL concept us-gaap:RetainedEarningsAccumulatedDeficit.

The source filing: Financial Institutions’s 10-Q, filed May 4, 2026.

Filed
May 4, 2026, 4:06 PM EDT
Fiscal quarter
Q1 FY2026
Calendar quarter
Q1 2026
Accession
0001193125-26-203962
(Dollars in thousands, except share and per share data)March 31, 2026December 31, 2025
Total preferred equity17,28517,285
Common stock, $0.01 par value; 50,000,000 shares authorized; 20,699,556 shares issued207207
Additional paid-in capital232,776234,398
Retained earnings451,479437,139
Accumulated other comprehensive loss(39,327)(33,030)
Treasury stock, at cost; 1,013,186 and 902,149 shares, respectively(30,750)(27,145)
Total shareholders’ equity631,670628,854
Total liabilities and shareholders’ equity$6,294,783$6,274,140

ITEM 1. Financial Statements

FAQ

What is Financial Institutions's retained earnings?
Financial Institutions (FISI) reported retained earnings of $451.48M in Q1 2026.
How has Financial Institutions's retained earnings changed year-over-year?
Financial Institutions's retained earnings increased by 13.2% year-over-year, from $398.96M to $451.48M.
What is the long-term trend for Financial Institutions's retained earnings?
Over 5 years (2020 to 2025), Financial Institutions's retained earnings has grown at a 6.1% compound annual growth rate (CAGR), from $324.85M to $437.14M.
What does retained earnings mean?
Cumulative net income earned since inception minus all dividends paid — the total profits reinvested in the business over its lifetime.

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