Financial Institutions Inc (FISI) — Financial Flexibility Index
Financial Institutions Inc (FISI) has a Financial Flexibility Index of 0.01x as of December 2025. Free cash flow of $24.63 Million (operating CF $21.40 Million minus capex $3.23 Million) represents 0% of total liabilities ($4.50 Billion). Check Financial Institutions Inc (FISI) total reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Financial Institutions Inc Financial Flexibility Index (1998–2025)
Historical Financial Flexibility Index trend for Financial Institutions Inc across 28 annual periods. For the full cash flow conversion analysis, see Financial Institutions Inc (FISI) cash flow conversion.
Annual Financial Flexibility Index for Financial Institutions Inc (1998–2025)
Year-by-year free cash flow to debt coverage for Financial Institutions Inc. Explore FISI cash flow to debt ratio to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.00x | $18.80 Million | $18.80 Million | $5.65 Billion | ▼ -77.5% |
| 2024 | 0.01x | $82.10 Million | $77.13 Million | $5.55 Billion | ▲ +508.1% |
| 2023 | 0.00x | $13.89 Million | $10.89 Million | $5.71 Billion | ▼ -90.8% |
| 2022 | 0.03x | $141.94 Million | $133.57 Million | $5.39 Billion | ▲ +60.3% |
| 2021 | 0.02x | $82.36 Million | $72.96 Million | $5.02 Billion | ▲ +52.9% |
| 2020 | 0.01x | $47.72 Million | $43.45 Million | $4.44 Billion | ▼ -30.9% |
| 2019 | 0.02x | $61.35 Million | $57.71 Million | $3.95 Billion | ▼ -10.4% |
| 2018 | 0.02x | $67.98 Million | $65.14 Million | $3.92 Billion | ▲ +19.7% |
| 2017 | 0.01x | $54.02 Million | $46.28 Million | $3.72 Billion | ▼ -9.5% |
| 2016 | 0.02x | $54.31 Million | $46.69 Million | $3.39 Billion | ▼ -2.2% |
| 2015 | 0.02x | $50.58 Million | $43.09 Million | $3.09 Billion | ▲ +13.5% |
| 2014 | 0.01x | $40.56 Million | $35.23 Million | $2.81 Billion | ▼ -5.0% |
| 2013 | 0.02x | $40.61 Million | $37.20 Million | $2.67 Billion | ▼ -14.4% |
| 2012 | 0.02x | $44.54 Million | $38.70 Million | $2.51 Billion | ▲ +4.4% |
| 2011 | 0.02x | $35.70 Million | $32.02 Million | $2.10 Billion | ▼ -10.1% |
| 2010 | 0.02x | $37.87 Million | $35.43 Million | $2.00 Billion | ▲ +45.5% |
| 2009 | 0.01x | $24.23 Million | $22.27 Million | $1.86 Billion | ▼ -18.8% |
| 2008 | 0.02x | $27.62 Million | $21.29 Million | $1.73 Billion | ▲ +1.6% |
| 2007 | 0.02x | $26.18 Million | $22.77 Million | $1.66 Billion | ▼ -15.3% |
| 2006 | 0.02x | $32.07 Million | $30.20 Million | $1.73 Billion | ▼ -30.4% |
| 2005 | 0.03x | $49.42 Million | $44.57 Million | $1.85 Billion | ▲ +11.6% |
| 2004 | 0.02x | $47.18 Million | $41.23 Million | $1.97 Billion | ▼ -3.0% |
| 2003 | 0.02x | $49.12 Million | $38.68 Million | $1.99 Billion | ▲ +25.7% |
| 2002 | 0.02x | $37.81 Million | $32.56 Million | $1.93 Billion | ▼ -0.5% |
| 2001 | 0.02x | $32.45 Million | $28.09 Million | $1.65 Billion | ▼ -8.6% |
| 2000 | 0.02x | $24.98 Million | $21.79 Million | $1.16 Billion | ▲ +9.4% |
| 1999 | 0.02x | $20.10 Million | $19.20 Million | $1.02 Billion | ▼ -22.2% |
| 1998 | 0.03x | $22.30 Million | $18.60 Million | $879.59 Million | — |