Financial Institutions Inc (FISI) - Net Assets
Based on the latest financial reports, Financial Institutions Inc (FISI) has net assets worth $1.18 Billion USD as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($5.68 Billion) and total liabilities ($4.50 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check FISI goodwill-adjusted equity ratio to evaluate the tangible quality of the company's equity base.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $1.18 Billion |
| % of Total Assets | 20.7% |
| Annual Growth Rate | 7.18% |
| 5-Year Change | N/A |
| 10-Year Change | 96.48% |
| Growth Volatility | 147.09 |
Financial Institutions Inc - Net Assets Trend (1998–2025)
This chart illustrates how Financial Institutions Inc's net assets have evolved over time, based on quarterly financial data. See how many days can Financial Institutions Inc fund operations to measure how many days the company can operate on defensive assets alone.
Annual Net Assets for Financial Institutions Inc (1998–2025)
The table below shows the annual net assets of Financial Institutions Inc from 1998 to 2025. For live valuation and market cap data, see how much is Financial Institutions Inc worth.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $628.85 Million | +10.52% |
| 2024-12-31 | $568.98 Million | +25.11% |
| 2023-12-31 | $454.80 Million | +12.13% |
| 2022-12-31 | $405.61 Million | +3090.97% |
| 2021-12-31 | $-13.56 Million | -737.27% |
| 2020-12-31 | $2.13 Million | +114.66% |
| 2019-12-31 | $-14.51 Million | -103.66% |
| 2018-12-31 | $396.29 Million | +3.97% |
| 2017-12-31 | $381.18 Million | +19.10% |
| 2016-12-31 | $320.05 Million | +8.92% |
| 2015-12-31 | $293.84 Million | +5.12% |
| 2014-12-31 | $279.53 Million | +9.69% |
| 2013-12-31 | $254.84 Million | +0.37% |
| 2012-12-31 | $253.90 Million | +7.04% |
| 2011-12-31 | $237.19 Million | +11.81% |
| 2010-12-31 | $212.14 Million | +6.98% |
| 2009-12-31 | $198.29 Million | +4.20% |
| 2008-12-31 | $190.30 Million | -2.57% |
| 2007-12-31 | $195.32 Million | +7.09% |
| 2006-12-31 | $182.39 Million | +6.19% |
| 2005-12-31 | $171.76 Million | -6.80% |
| 2004-12-31 | $184.29 Million | +0.65% |
| 2003-12-31 | $183.10 Million | +2.70% |
| 2002-12-31 | $178.29 Million | +19.51% |
| 2001-12-31 | $149.19 Million | +13.35% |
| 2000-12-31 | $131.62 Million | +11.98% |
| 1999-12-31 | $117.54 Million | +21.68% |
| 1998-12-31 | $96.60 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Financial Institutions Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 481.3% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $437.14 Million | 69.51% |
| Common Stock | $207.00K | 0.03% |
| Other Comprehensive Income | $-33.03 Million | -5.25% |
| Other Components | $224.54 Million | 35.71% |
| Total Equity | $628.85 Million | 100.00% |
Financial Institutions Inc Competitors by Market Cap
The table below lists competitors of Financial Institutions Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
NETGEAR Inc
NASDAQ:NTGR
|
$618.66 Million |
|
Jenkem Technology Co Ltd
SHG:688356
|
$618.68 Million |
|
Kangping Technology (Suzhou) Co. Ltd.
SHE:300907
|
$618.95 Million |
|
Harbin Dongan Auto Engine Co Ltd
SHG:600178
|
$619.12 Million |
|
Bohai Ferry Co Ltd
SHG:603167
|
$618.54 Million |
|
Beta Bionics, Inc. Common Stock
NASDAQ:BBNX
|
$618.52 Million |
|
Consultatio SA
BA:CTIO
|
$618.43 Million |
|
Nuveen Dynamic Municipal Opportunities Fund
NYSE:NDMO
|
$618.37 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Financial Institutions Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 568,984,000 to 628,854,000, a change of 59,870,000 (10.5%).
- Net income of 74,867,000 contributed positively to equity growth.
- Other comprehensive income increased equity by 19,574,000.
- Other factors decreased equity by 34,571,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $74.87 Million | +11.91% |
| Other Comprehensive Income | $19.57 Million | +3.11% |
| Other Changes | $-34.57 Million | -5.5% |
| Total Change | $- | 10.52% |
Book Value vs Market Value Analysis
This analysis compares Financial Institutions Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.21x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 3.84x to 1.21x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1998-12-31 | $9.74 | $37.36 | x |
| 1999-12-31 | $11.22 | $37.36 | x |
| 2000-12-31 | $11.97 | $37.36 | x |
| 2001-12-31 | $13.39 | $37.36 | x |
| 2002-12-31 | $15.93 | $37.36 | x |
| 2003-12-31 | $16.23 | $37.36 | x |
| 2004-12-31 | $16.40 | $37.36 | x |
| 2005-12-31 | $15.36 | $37.36 | x |
| 2006-12-31 | $16.05 | $37.36 | x |
| 2007-12-31 | $17.46 | $37.36 | x |
| 2008-12-31 | $17.59 | $37.36 | x |
| 2009-12-31 | $18.41 | $37.36 | x |
| 2010-12-31 | $19.56 | $37.36 | x |
| 2011-12-31 | $18.03 | $37.36 | x |
| 2012-12-31 | $18.46 | $37.36 | x |
| 2013-12-31 | $18.49 | $37.36 | x |
| 2014-12-31 | $20.04 | $37.36 | x |
| 2015-12-31 | $20.79 | $37.36 | x |
| 2016-12-31 | $22.09 | $37.36 | x |
| 2017-12-31 | $25.27 | $37.36 | x |
| 2018-12-31 | $24.84 | $37.36 | x |
| 2019-12-31 | $-0.91 | $37.36 | x |
| 2020-12-31 | $0.13 | $37.36 | x |
| 2021-12-31 | $-0.85 | $37.36 | x |
| 2022-12-31 | $26.22 | $37.36 | x |
| 2023-12-31 | $29.39 | $37.36 | x |
| 2024-12-31 | $36.28 | $37.36 | x |
| 2025-12-31 | $30.95 | $37.36 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Financial Institutions Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 11.91%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 19.81%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 9.98x
- Recent ROE (11.91%) is below the historical average (72.02%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1998 | 14.08% | 17.15% | 0.08x | 10.11x | $3.94 Million |
| 1999 | 13.58% | 18.39% | 0.08x | 9.67x | $4.20 Million |
| 2000 | 13.75% | 17.10% | 0.08x | 9.80x | $4.94 Million |
| 2001 | 14.22% | 16.29% | 0.07x | 12.03x | $6.29 Million |
| 2002 | 14.84% | 18.81% | 0.07x | 11.81x | $8.63 Million |
| 2003 | 7.78% | 10.63% | 0.06x | 11.87x | $-4.06 Million |
| 2004 | 6.78% | 9.74% | 0.06x | 11.70x | $-5.94 Million |
| 2005 | 1.26% | 1.63% | 0.07x | 11.77x | $-15.01 Million |
| 2006 | 9.52% | 13.89% | 0.07x | 10.46x | $-876.80K |
| 2007 | 8.40% | 13.03% | 0.07x | 9.51x | $-3.12 Million |
| 2008 | -13.75% | -22.10% | 0.06x | 10.07x | $-45.19 Million |
| 2009 | 7.28% | 12.24% | 0.06x | 10.40x | $-5.39 Million |
| 2010 | 10.03% | 18.36% | 0.05x | 10.44x | $72.60K |
| 2011 | 9.61% | 19.15% | 0.05x | 9.85x | $-920.40K |
| 2012 | 9.24% | 19.29% | 0.04x | 10.89x | $-1.94 Million |
| 2013 | 10.02% | 20.77% | 0.04x | 11.49x | $46.10K |
| 2014 | 10.50% | 23.00% | 0.04x | 11.05x | $1.40 Million |
| 2015 | 9.64% | 20.95% | 0.04x | 11.51x | $-1.05 Million |
| 2016 | 9.98% | 21.19% | 0.04x | 11.59x | $-74.40K |
| 2017 | 8.80% | 20.35% | 0.04x | 10.77x | $-4.59 Million |
| 2018 | 9.97% | 21.02% | 0.04x | 10.88x | $-103.30K |
| 2019 | 0.00% | 23.40% | 0.05x | 0.00x | $50.31 Million |
| 2020 | 1801.32% | 18.76% | 0.05x | 2089.32x | $38.12 Million |
| 2021 | 0.00% | 36.64% | 0.04x | 0.00x | $79.05 Million |
| 2022 | 13.95% | 23.47% | 0.04x | 14.29x | $16.01 Million |
| 2023 | 11.05% | 104.19% | 0.01x | 13.55x | $4.78 Million |
| 2024 | -7.32% | -15.76% | 0.04x | 10.75x | $-98.54 Million |
| 2025 | 11.91% | 19.81% | 0.06x | 9.98x | $11.98 Million |
Industry Comparison
This section compares Financial Institutions Inc's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $545,762,800
- Average return on equity (ROE) among peers: 9.48%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Financial Institutions Inc (FISI) | $1.18 Billion | 14.08% | 3.83x | $618.61 Million |
| Ameris Bancorp (ABCB) | $68.20 Million | 10.85% | 9.15x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $80.66 Million | 12.52% | 9.24x | $5.85 Billion |
| ACNB Corporation (ACNB) | $62.69 Million | 13.30% | 9.05x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $80.78 Million | 3.82% | 9.53x | $137.20 Million |
| Alerus Financial Corp (ALRS) | $168.78 Million | 8.32% | 11.15x | $736.27 Million |
| Amalgamated Bank (AMAL) | $585.36 Million | 15.03% | 12.62x | $1.27 Billion |
| Amerant Bancorp Inc. (AMTB) | $1.00 Billion | 3.23% | 8.67x | $979.96 Million |
| Arrow Financial Corporation (AROW) | $371.19 Million | 13.43% | 9.85x | $622.98 Million |
| Associated Banc-Corp (ASB) | $2.94 Billion | 6.41% | 8.44x | $5.45 Billion |
| AmeriServ Financial Inc (ASRV) | $97.98 Million | 7.93% | 10.85x | $62.43 Million |
About Financial Institutions Inc
Financial Institutions, Inc., through its subsidiaries, provides banking and financial services to consumer, commercial, and municipal customers in New York. The company provides checking and savings account programs, including money market accounts, certificates of deposit, sweep investments, and individual retirement and other qualified plan accounts, as well as NOW accounts. It also offers com… Read more