Financial Institutions Inc (FISI) — Cash Flow Quality Index
Financial Institutions Inc (FISI) has a Cash Flow Quality Index of 1.07x as of December 2025. Operating cash flow of $21.40 Million exceeds net income of $19.98 Million, indicating high earnings quality where cash backs reported profits. Explore how well can Financial Institutions Inc service its debt to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Financial Institutions Inc Cash Flow Quality Index (1998–2025)
Historical Cash Flow Quality Index for Financial Institutions Inc across 26 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see Financial Institutions Inc cash conversion from operations.
Annual Cash Flow Quality Index for Financial Institutions Inc (1998–2025)
Year-by-year earnings quality comparison for Financial Institutions Inc.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 0.25x | $18.80 Million | $74.87 Million | ▲ +15.9% |
| 2023 | 0.22x | $10.89 Million | $50.26 Million | ▼ -90.8% |
| 2022 | 2.36x | $133.57 Million | $56.57 Million | ▲ +151.4% |
| 2021 | 0.94x | $72.96 Million | $77.70 Million | ▼ -17.2% |
| 2020 | 1.13x | $43.45 Million | $38.33 Million | ▼ -4.0% |
| 2019 | 1.18x | $57.71 Million | $48.86 Million | ▼ -28.3% |
| 2018 | 1.65x | $65.14 Million | $39.53 Million | ▲ +19.4% |
| 2017 | 1.38x | $46.28 Million | $33.53 Million | ▼ -5.6% |
| 2016 | 1.46x | $46.69 Million | $31.93 Million | ▼ -3.8% |
| 2015 | 1.52x | $43.09 Million | $28.34 Million | ▲ +26.7% |
| 2014 | 1.20x | $35.23 Million | $29.36 Million | ▼ -17.6% |
| 2013 | 1.46x | $37.20 Million | $25.53 Million | ▼ -11.7% |
| 2012 | 1.65x | $38.70 Million | $23.45 Million | ▲ +17.5% |
| 2011 | 1.40x | $32.02 Million | $22.80 Million | ▼ -15.6% |
| 2010 | 1.66x | $35.43 Million | $21.29 Million | ▲ +7.9% |
| 2009 | 1.54x | $22.27 Million | $14.44 Million | ▲ +11.1% |
| 2007 | 1.39x | $22.77 Million | $16.41 Million | ▼ -20.2% |
| 2006 | 1.74x | $30.20 Million | $17.36 Million | ▼ -91.5% |
| 2005 | 20.58x | $44.57 Million | $2.17 Million | ▲ +523.5% |
| 2004 | 3.30x | $41.23 Million | $12.49 Million | ▲ +21.6% |
| 2003 | 2.71x | $38.68 Million | $14.25 Million | ▲ +120.6% |
| 2002 | 1.23x | $32.56 Million | $26.46 Million | ▼ -7.1% |
| 2001 | 1.32x | $28.09 Million | $21.21 Million | ▲ +10.0% |
| 2000 | 1.20x | $21.79 Million | $18.10 Million | ▲ +0.0% |
| 1999 | 1.20x | $19.20 Million | $15.96 Million | ▼ -12.0% |
| 1998 | 1.37x | $18.60 Million | $13.60 Million | — |