Financial Institutions Inc (FISI) — Tangible Net Worth Ratio
Financial Institutions Inc (FISI) has a Tangible Net Worth Ratio of 99.8% as of December 2025. This metric is calculated by deducting intangible assets ($2.22 Million) from net assets ($1.18 Billion) and expressing it as a percentage of total net assets. A higher ratio means that more of the company's equity is backed by tangible, balance-sheet-verifiable assets rather than goodwill, patents, or brand value. See how liquid is Financial Institutions Inc's working capital to evaluate short-term liquidity relative to the company's equity base.
Tangible NW Ratio
Net Assets (Equity)
Intangible Assets
Total Assets
Financial Institutions Inc Tangible Net Worth Ratio (1998–2025)
This chart shows how Financial Institutions Inc's Tangible Net Worth Ratio has changed across 26 annual periods from 1998 to 2025. As of December 2025, the ratio stands at 99.8%, reflecting net assets of $1.18 Billion with intangible assets of $2.22 Million USD. See defensive interval ratio of Financial Institutions Inc to measure how many days the company can operate on defensive assets alone.
Annual Tangible Net Worth Ratio for Financial Institutions Inc (1998–2025)
The table below presents the year-by-year Tangible Net Worth Ratio for Financial Institutions Inc from 1998 to 2025, covering 26 annual filings. Each row shows net assets, intangible assets, total assets, the tangible net worth ratio, and the change in percentage points versus the prior year. For the full company profile including market capitalisation, see FISI company net worth.
| Year | Tangible NW Ratio | Net Assets (USD) | Intangible Assets | Total Assets | Change (pp) |
|---|---|---|---|---|---|
| 2025 | 99.6% | $628.85 Million | $2.22 Million | $6.27 Billion | ▲ +0.1 pp |
| 2024 | 99.5% | $568.98 Million | $2.64 Million | $6.12 Billion | ▲ +0.7 pp |
| 2023 | 98.8% | $454.80 Million | $5.43 Million | $6.16 Billion | ▲ +0.4 pp |
| 2022 | 98.4% | $405.61 Million | $6.34 Million | $5.80 Billion | ▲ +361.5 pp |
| 2020 | -263.1% | $2.13 Million | $7.73 Million | $4.45 Billion | ▼ -360.6 pp |
| 2018 | 97.4% | $396.29 Million | $10.11 Million | $4.31 Billion | ▼ -0.2 pp |
| 2017 | 97.7% | $381.18 Million | $8.86 Million | $4.11 Billion | ▲ +0.6 pp |
| 2016 | 97.1% | $320.05 Million | $9.22 Million | $3.71 Billion | ▼ -0.7 pp |
| 2015 | 97.8% | $293.84 Million | $6.54 Million | $3.38 Billion | ▲ +0.5 pp |
| 2014 | 97.3% | $279.53 Million | $7.49 Million | $3.09 Billion | ▼ -2.1 pp |
| 2013 | 99.4% | $254.84 Million | $1.47 Million | $2.93 Billion | ▲ +0.2 pp |
| 2012 | 99.3% | $253.90 Million | $1.85 Million | $2.76 Billion | ▲ +15.0 pp |
| 2011 | 84.2% | $237.19 Million | $37.37 Million | $2.34 Billion | ▲ +1.9 pp |
| 2010 | 82.4% | $212.14 Million | $37.37 Million | $2.21 Billion | ▲ +1.2 pp |
| 2009 | 81.2% | $198.29 Million | $37.37 Million | $2.06 Billion | ▲ +0.9 pp |
| 2008 | 80.2% | $190.30 Million | $37.65 Million | $1.92 Billion | ▼ -0.4 pp |
| 2007 | 80.6% | $195.32 Million | $37.96 Million | $1.86 Billion | ▲ +1.5 pp |
| 2006 | 79.0% | $182.39 Million | $38.26 Million | $1.91 Billion | ▲ +1.5 pp |
| 2005 | 77.5% | $171.76 Million | $38.68 Million | $2.02 Billion | ▲ +1.0 pp |
| 2004 | 76.5% | $184.29 Million | $43.29 Million | $2.16 Billion | ▼ -1.3 pp |
| 2003 | 77.8% | $183.10 Million | $40.62 Million | $2.17 Billion | ▲ +2.8 pp |
| 2002 | 75.0% | $178.29 Million | $44.55 Million | $2.11 Billion | ▲ +1.3 pp |
| 2001 | 73.7% | $149.19 Million | $39.17 Million | $1.79 Billion | ▼ -24.4 pp |
| 2000 | 98.2% | $131.62 Million | $2.38 Million | $1.29 Billion | ▼ -1.8 pp |
| 1999 | 100.0% | $117.54 Million | $0.00 | $1.14 Billion | ▲ +0.0 pp |
| 1998 | 100.0% | $96.60 Million | $0.00 | $976.18 Million | — |