Financial Institutions Inc (FISI) — Free Cash Flow Generation Index
Financial Institutions Inc (FISI) has a Free Cash Flow Generation Index of 0.85x as of December 2025. Free cash flow of $18.18 Million represents 1% of operating cash flow ($21.40 Million). See Financial Institutions Inc working capital to net assets to evaluate short-term liquidity relative to the company's equity base.
FCF Generation Index
Free Cash Flow
Operating Cash Flow
Capital Expenditures
Financial Institutions Inc Free Cash Flow Generation Index (1998–2025)
Historical FCF Generation Index trend for Financial Institutions Inc across 28 annual periods. Explore debt repayment capacity of Financial Institutions Inc to assess how comfortably operating cash covers total debt obligations.
Annual Free Cash Flow Generation for Financial Institutions Inc (1998–2025)
Year-by-year Free Cash Flow Generation Index for Financial Institutions Inc. For the full company profile including market capitalisation, see market value of Financial Institutions Inc.
| Year | FCG Index | Free Cash Flow (USD) | Operating CF | Capital Expenditures | YoY Change |
|---|---|---|---|---|---|
| 2025 | 1.00x | $18.80 Million | $18.80 Million | $0.00 | ▲ +6.9% |
| 2024 | 0.94x | $72.15 Million | $77.13 Million | $4.97 Million | ▲ +29.0% |
| 2023 | 0.73x | $7.90 Million | $10.89 Million | $2.99 Million | ▼ -22.6% |
| 2022 | 0.94x | $125.20 Million | $133.57 Million | $8.37 Million | ▲ +7.6% |
| 2021 | 0.87x | $63.56 Million | $72.96 Million | $9.40 Million | ▼ -3.4% |
| 2020 | 0.90x | $39.19 Million | $43.45 Million | $4.26 Million | ▼ -3.7% |
| 2019 | 0.94x | $54.07 Million | $57.71 Million | $3.64 Million | ▼ -2.0% |
| 2018 | 0.96x | $62.30 Million | $65.14 Million | $2.84 Million | ▲ +14.8% |
| 2017 | 0.83x | $38.54 Million | $46.28 Million | $7.74 Million | ▼ -0.5% |
| 2016 | 0.84x | $39.08 Million | $46.69 Million | $7.62 Million | ▲ +1.3% |
| 2015 | 0.83x | $35.60 Million | $43.09 Million | $7.49 Million | ▼ -2.7% |
| 2014 | 0.85x | $29.90 Million | $35.23 Million | $5.33 Million | ▼ -6.6% |
| 2013 | 0.91x | $33.79 Million | $37.20 Million | $3.41 Million | ▲ +7.0% |
| 2012 | 0.85x | $32.86 Million | $38.70 Million | $5.84 Million | ▼ -4.1% |
| 2011 | 0.89x | $28.34 Million | $32.02 Million | $3.68 Million | ▼ -4.9% |
| 2010 | 0.93x | $32.99 Million | $35.43 Million | $2.44 Million | ▲ +2.1% |
| 2009 | 0.91x | $20.31 Million | $22.27 Million | $1.96 Million | ▲ +29.8% |
| 2008 | 0.70x | $14.96 Million | $21.29 Million | $6.33 Million | ▼ -17.4% |
| 2007 | 0.85x | $19.36 Million | $22.77 Million | $3.41 Million | ▼ -9.3% |
| 2006 | 0.94x | $28.33 Million | $30.20 Million | $1.87 Million | ▲ +5.2% |
| 2005 | 0.89x | $39.73 Million | $44.57 Million | $4.84 Million | ▲ +4.2% |
| 2004 | 0.86x | $35.28 Million | $41.23 Million | $5.95 Million | ▲ +17.2% |
| 2003 | 0.73x | $28.24 Million | $38.68 Million | $10.44 Million | ▼ -13.0% |
| 2002 | 0.84x | $27.31 Million | $32.56 Million | $5.25 Million | ▼ -0.7% |
| 2001 | 0.84x | $23.73 Million | $28.09 Million | $4.36 Million | ▼ -1.0% |
| 2000 | 0.85x | $18.59 Million | $21.79 Million | $3.19 Million | ▼ -10.5% |
| 1999 | 0.95x | $18.31 Million | $19.20 Million | $896.00K | ▲ +19.0% |
| 1998 | 0.80x | $14.90 Million | $18.60 Million | $3.70 Million | — |