Financial Institutions Cash Flow Statement
NASDAQ: FISIFinanceMajor BanksUSD
At close: Oct 9, 4:00 PM ET · Delayed 15 min
Financial Institutions free cash flow
In fiscal 2025, Financial Institutions generated $18.8 million of operating cash flow and spent $5.5 million on capital expenditures. That left free cash flow of $13.3 million, a free-cash-flow margin of 5.4% of revenue. Free cash flow was down 81.6% from the prior year's $72.2 million.
Financial Institutions returned $36.1 million to shareholders: $24.7 million in dividends and $11.4 million in share repurchases, equal to 273% of free cash flow. Free cash flow covered dividend payments 0.5 times.
Summary generated from market data by MetaCap's automated system. Methodology
Financial Institutions cash flow statement (annual)
| Fiscal year (USD) | FY 20252025-12-31 | FY 20242024-12-31 | FY 20232023-12-31 | FY 20222022-12-31 | FY 20212021-12-31 | FY 20202020-12-31 | FY 20192019-12-31 | FY 20182018-12-31 | FY 20172017-12-31 | FY 20162016-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | 74.87M | -41.65M | 50.26M | 56.57M | 77.70M | 38.33M | 48.86M | 39.53M | 33.53M | 31.93M |
| Net Income growth (YoY) | — | -182.85% | -11.15% | -27.19% | +102.69% | -21.55% | +23.62% | +17.90% | +5.00% | +12.68% |
| Depreciation & Amortization | 7.88M | 7.67M | 8.09M | 8.11M | 8.05M | 7.89M | 8.21M | 6.48M | 6.18M | 5.96M |
| Stock-Based Compensation | 3.08M | 1.61M | 1.67M | 2.55M | 1.74M | 1.33M | 1.41M | 1.30M | 1.17M | 845.00K |
| Change in Working Capital | -70.87M | 33.72M | -55.59M | 50.68M | -11.94M | -26.92M | -6.29M | 16.44M | -20.49M | 2.28M |
| Operating Cash Flow | 18.80M | 77.13M | 10.89M | 133.57M | 72.96M | 43.45M | 57.71M | 65.14M | 46.28M | 46.69M |
| Capital Expenditures | -5.55M | -4.97M | -2.99M | -8.37M | -9.40M | -4.26M | -3.64M | -2.84M | -7.74M | -7.62M |
| Investing Cash Flow | -140.04M | -8.23M | -310.09M | -325.16M | -633.42M | -531.07M | -24.73M | -225.41M | -372.61M | -326.68M |
| Dividends Paid | -24.72M | -18.52M | -18.29M | -17.59M | -16.99M | -16.50M | -15.80M | -14.95M | -12.50M | -11.48M |
| Share Repurchases | -11.42M | -426.00K | -571.00K | -15.34M | -9.23M | -209.00K | -293.00K | -113.00K | -148.00K | — |
| Debt Issued | 80.00M | 0 | 50.00M | 0 | 0 | 35.00M | — | — | — | — |
| Debt Repaid | -10.00M | 0 | 0 | — | — | — | — | — | — | — |
| Financing Cash Flow | 142.67M | -106.02M | 293.17M | 242.94M | 545.69M | 468.55M | -22.79M | 163.83M | 354.25M | 291.14M |
| Net Change in Cash | 21.43M | -37.12M | -6.02M | 51.35M | -14.77M | -19.07M | 10.19M | 3.56M | 27.92M | 11.16M |
| Free Cash Flow | 13.25M | 72.15M | 7.90M | 125.20M | 63.56M | 39.19M | 54.07M | 62.30M | 38.54M | 39.08M |
This table shows 10 annual periods of Financial Institutions's cash flow statement, from FY 2025 back to FY 2016, across 14 line items including net income, depreciation & amortization, stock-based compensation. Values in USD; B = billions, M = millions. Fiscal periods follow FISI's reporting calendar. What is a cash flow statement?