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 FISI long-term asset investment ratio to see how much of total assets are deployed in long-term investments.
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. Check FISI goodwill-adjusted equity ratio to evaluate the tangible quality of the company's equity base.
Annual Cash Flow Quality Index for Financial Institutions Inc (1998–2025)
Year-by-year earnings quality comparison for Financial Institutions Inc. For live market cap and the full company financial profile, see FISI company net worth.
| 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 | — |