Financial Institutions Inc (FISI) — Working Capital to Net Assets Ratio
Financial Institutions Inc (FISI) has a Working Capital to Net Assets ratio of 83.2% as of December 2025. Working capital of $977.94 Million (current assets of $1.07 Billion minus current liabilities of $92.82 Million) is measured against net assets of $1.18 Billion. A higher ratio indicates strong short-term liquidity financed by the equity base. See Financial Institutions Inc leverage flexibility ratio to measure the company's free cash flow as a share of total liabilities.
WC/NA Ratio
Working Capital
Current Assets
Current Liabilities
Financial Institutions Inc Working Capital to Net Assets (1998–2025)
This chart shows how Financial Institutions Inc's Working Capital to Net Assets ratio has evolved across 28 annual periods from 1998 to 2025. As of December 2025, the ratio stands at 83.2%, reflecting working capital of $977.94 Million against net assets of $1.18 Billion USD. See defensive interval ratio of Financial Institutions Inc to measure how many days the company can operate on defensive assets alone.
Annual Working Capital to Net Assets for Financial Institutions Inc (1998–2025)
The table below presents the year-by-year Working Capital to Net Assets ratio for Financial Institutions Inc from 1998 to 2025, covering 28 annual filings. Each row shows current assets, current liabilities, working capital, net assets, the ratio, and the change in percentage points compared to the prior year. For live market cap and the full company profile, see Financial Institutions Inc (FISI) market capitalisation.
| Year | WC/NA Ratio | Working Capital (USD) | Net Assets | Current Assets | Current Liabilities | Change (pp) |
|---|---|---|---|---|---|---|
| 2025 | 0.0% | $-249.00K | $628.85 Million | $108.75 Million | $109.00 Million | ▲ +899.5 pp |
| 2024 | -899.6% | $-5.12 Billion | $568.98 Million | $111.08 Million | $5.23 Billion | ▲ +63.6 pp |
| 2023 | -963.2% | $-4.38 Billion | $454.80 Million | $1.04 Billion | $5.42 Billion | ▲ +31.9 pp |
| 2022 | -995.1% | $-4.04 Billion | $405.61 Million | $1.10 Billion | $5.14 Billion | ▲ +8695.2 pp |
| 2021 | -9690.3% | $1.31 Billion | $-13.56 Million | $1.31 Billion | $538.00K | ▼ -43366.8 pp |
| 2020 | 33676.6% | $716.64 Million | $2.13 Million | $721.94 Million | $5.30 Million | ▲ +35436.1 pp |
| 2019 | -1759.6% | $255.36 Million | $-14.51 Million | $530.86 Million | $275.50 Million | ▼ -2473.9 pp |
| 2018 | 714.4% | $2.83 Billion | $396.29 Million | $3.30 Billion | $469.50 Million | ▲ +59.1 pp |
| 2017 | 655.3% | $2.50 Billion | $381.18 Million | $2.94 Billion | $446.20 Million | ▼ -25.1 pp |
| 2016 | 680.4% | $2.18 Billion | $320.05 Million | $2.51 Billion | $331.50 Million | ▲ +16.3 pp |
| 2015 | 664.1% | $1.95 Billion | $293.84 Million | $2.24 Billion | $293.10 Million | ▲ +1417.0 pp |
| 2014 | -752.9% | $-2.10 Billion | $279.53 Million | $680.64 Million | $2.79 Billion | ▲ +27.2 pp |
| 2013 | -780.1% | $-1.99 Billion | $254.84 Million | $669.00 Million | $2.66 Billion | ▼ -166.7 pp |
| 2012 | -613.4% | $-1.56 Billion | $253.90 Million | $884.14 Million | $2.44 Billion | ▼ -24.3 pp |
| 2011 | -589.1% | $-1.40 Billion | $237.19 Million | $685.01 Million | $2.08 Billion | ▲ +316.4 pp |
| 2010 | -905.5% | $-1.92 Billion | $212.14 Million | $39.06 Million | $1.96 Billion | ▼ -18.2 pp |
| 2009 | -887.3% | $-1.76 Billion | $198.29 Million | $42.96 Million | $1.80 Billion | ▼ -34.9 pp |
| 2008 | -852.4% | $-1.62 Billion | $190.30 Million | $34.53 Million | $1.66 Billion | ▼ -55.6 pp |
| 2007 | -796.9% | $-1.56 Billion | $195.32 Million | $45.16 Million | $1.60 Billion | ▲ +81.9 pp |
| 2006 | -878.8% | $-1.60 Billion | $182.39 Million | $47.17 Million | $1.65 Billion | ▲ +113.9 pp |
| 2005 | -992.7% | $-1.71 Billion | $171.76 Million | $47.26 Million | $1.75 Billion | ▼ -11.0 pp |
| 2004 | -981.8% | $-1.81 Billion | $184.29 Million | $45.25 Million | $1.85 Billion | ▲ +14.0 pp |
| 2003 | -995.8% | $-1.82 Billion | $183.10 Million | $45.63 Million | $1.87 Billion | ▼ -15.8 pp |
| 2002 | -980.0% | $-1.75 Billion | $178.29 Million | $48.43 Million | $1.80 Billion | ▲ +15.6 pp |
| 2001 | -995.6% | $-1.49 Billion | $149.19 Million | $52.17 Million | $1.54 Billion | ▼ -163.0 pp |
| 2000 | -832.6% | $-1.10 Billion | $131.62 Million | $29.23 Million | $1.13 Billion | ▼ -27.8 pp |
| 1999 | -804.8% | $-945.96 Million | $117.54 Million | $49.67 Million | $995.63 Million | ▲ +36.8 pp |
| 1998 | -841.6% | $-813.00 Million | $96.60 Million | $42.80 Million | $855.80 Million | — |