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Financial Institutions FISI Weighted-Average Discount Rate

Weighted-Average Discount Rate at other companies

Center Bancorp logo
Center BancorpCNOB
6%0.0pp
Community Financial System logo
Community Financial SystemCBU
5%0.0pp
First Commonwealth Financial logo
First Commonwealth FinancialFCF
4.8%-0.5pp

Other financials

Income statement

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

Balance sheet

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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

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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$761.86M+54.0%
Enterprise value$901.05M+66.9%
P/E9.7×—
P/S3×—

Profitability

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Net margin31.5%—
FCF margin33%-35.0pp

Returns & leverage

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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:DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate.

The official record: Financial Institutions’s 10-K, filed March 9, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Financial Institutions's weighted-average discount rate?
Financial Institutions (FISI) reported weighted-average discount rate of 5.3% in Q4 2025.
How has Financial Institutions's weighted-average discount rate changed year-over-year?
Financial Institutions's weighted-average discount rate decreased by 2.2% year-over-year, from 5.5% to 5.3%.
What is the long-term trend for Financial Institutions's weighted-average discount rate?
Over 5 years (2020 to 2025), Financial Institutions's weighted-average discount rate has grown at a 18.1% compound annual growth rate (CAGR), from 2.3% to 5.3%.
What does weighted-average discount rate mean?
This represents the average interest rate used to calculate the present value of the company's lease liabilities. It reflects the company's incremental borrowing rate or the rate implicit in the leases. This metric is essential for understanding the cost of capital embedded in the company's off-balance-sheet financing arrangements.