Financial Institutions Quarterly Cash Flow Statement
NASDAQ: FISIFinanceMajor BanksUSD
At close: Oct 9, 4:00 PM ET · Delayed 15 min
Financial Institutions free cash flow
In the quarter ended Jun 30, 2026, Financial Institutions generated $22.7 million of operating cash flow and spent $848,000 on capital expenditures. That left free cash flow of $21.8 million, a free-cash-flow margin of 33.9% of revenue. Financial Institutions returned $6.7 million to shareholders: $6.6 million in dividends and $65,000 in share repurchases, equal to 31% of free cash flow.
Free cash flow covered dividend payments 3.3 times.
Summary generated from market data by MetaCap's automated system. Methodology
Financial Institutions cash flow statement (quarterly)
| Quarter (USD) | Q2 20262026-06-30 | Q1 20262026-03-31 | Q4 20252025-12-31 | Q3 20252025-09-30 | Q2 20252025-06-30 | Q1 20252025-03-31 | Q4 20242024-12-31 | Q3 20242024-09-30 | Q2 20242024-06-30 | Q1 20242024-03-31 | Q4 20232023-12-31 | Q3 20232023-09-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | 21.18M | 20.98M | 19.98M | 20.48M | 17.53M | 16.88M | -82.81M | 13.47M | 25.63M | 2.07M | 9.78M | 14.02M |
| Net Income growth (YoY) | +20.83% | +24.33% | — | +52.06% | -31.59% | +715.36% | -946.74% | -3.97% | +78.31% | -82.88% | -19.09% | +1.21% |
| Depreciation & Amortization | 1.88M | 1.80M | 2.18M | 1.87M | 1.92M | 1.91M | 1.96M | 1.82M | 1.87M | 2.03M | 2.01M | 1.99M |
| Stock-Based Compensation | 1.27M | 903.00K | 861.00K | 756.00K | 954.00K | 506.00K | -199.00K | 494.00K | 746.00K | 569.00K | -255.00K | 721.00K |
| Change in Working Capital | -248.00K | -1.58M | -4.57M | -32.61M | -22.84M | -10.85M | 16.28M | -14.07M | 22.49M | 9.02M | -64.82M | 32.65M |
| Operating Cash Flow | 22.66M | 23.69M | 21.40M | -6.88M | -5.72M | 10.01M | 27.02M | 2.15M | 35.67M | 12.29M | -47.67M | 43.75M |
| Capital Expenditures | -848.00K | -650.00K | -2.12M | -1.01M | -1.60M | -816.00K | -403.00K | -2.45M | -951.00K | -1.17M | -1.25M | -507.00K |
| Investing Cash Flow | -31.81M | -55.79M | -62.27M | -49.37M | 118.89M | -147.29M | -134.95M | 79.82M | 73.06M | -26.16M | -26.95M | -4.02M |
| Dividends Paid | -6.64M | -6.60M | — | -6.60M | -6.59M | -6.38M | — | -5.00M | -4.99M | -4.98M | — | -4.97M |
| Share Repurchases | -65.00K | -6.13M | -10.90M | -34.00K | 0 | -481.00K | -4.00K | -26.00K | -3.00K | -393.00K | -8.00K | 0 |
| Debt Issued | — | — | — | — | — | — | 0 | 0 | 0 | 0 | 0 | 0 |
| Debt Repaid | 0 | -115.00M | 0 | 0 | -10.00M | 0 | 0 | 0 | — | — | — | — |
| Financing Cash Flow | 22.88M | 8.80M | -36.33M | 149.16M | -187.48M | 217.31M | -54.31M | 21.25M | -199.42M | 126.47M | 6.95M | -27.86M |
| Net Change in Cash | 13.72M | -23.30M | -77.19M | 92.91M | -74.32M | 80.03M | -162.25M | 103.22M | -90.69M | 112.60M | -67.67M | 11.86M |
| Free Cash Flow | 21.81M | 23.04M | 19.28M | -7.90M | -7.32M | 9.19M | 26.61M | -299.00K | 34.72M | 11.12M | -48.92M | 43.24M |
This table shows 12 quarterly periods of Financial Institutions's cash flow statement, from Q2 2026 back to Q3 2023, 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?