| Annual · values | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | — | — | — | — | — | — | — | — | — | — | — | — |
| Operating Margin | — | — | — | — | — | — | — | — | — | — | — | — |
| EBITDA Margin | — | — | — | — | — | — | — | — | — | — | — | — |
| Net Margin | — | — | — | — | — | — | — | — | — | — | — | — |
| Current Ratio | — | — | — | — | — | — | — | — | — | — | — | — |
| Quick Ratio | — | — | — | — | — | — | — | — | — | — | — | — |
| Debt / Equity | 0.48 | 0.39 | 0.68 | 0.69 | 0.21 | 0.17 | 0.72 | 1.28 | 1.27 | 1.16 | 1.13 | 1.20 |
| ROE | 11.91% | -7.32% | 11.05% | 13.95% | 15.38% | 8.18% | 11.13% | 9.97% | 8.80% | 9.98% | 9.64% | 10.50% |
| ROA | 1.19% | -0.68% | 0.82% | 0.98% | 1.41% | 0.78% | 1.11% | 0.92% | 0.82% | 0.86% | 0.84% | 0.95% |
| Asset Turnover | — | — | — | — | — | — | — | — | — | — | — | — |
| Book Value / Share | 30.95 | 36.28 | 29.39 | 26.22 | 31.70 | 29.16 | 27.38 | 24.84 | 25.27 | 22.09 | 20.79 | 20.04 |
Financial Institutions Inc. is a regional banking company that focuses on delivering a range of financial services primarily to individuals, businesses, and municipalities in its areas of operation. As a bank holding company, it operates through its subsidiaries, offering traditional banking products such as deposits, loans, and credit services. The company is distinguished for its commitment to community-focused banking, which emphasizes local economic development and personalized service. Financial Institutions Inc. also provides wealth management services, encompassing trust and investment advisory functions, catering to a diverse clientele looking to manage and grow their financial assets. Serving principally in local markets, the company plays a crucial role in fostering economic stability and growth by extending credit and financial expertise to local enterprises and residents. Its performance directly impacts regional economic wellbeing, making it a key player in the local financial market dynamics.