Total Debt
$260.7M
Net Debt
-$805.9M
Financial Institutions, Inc. currently has $260.7M in total debt. Net debt is -$805.9M after cash offsets. This 'Net Cash' position indicates exceptional financial strength.
Financial Fundamentals
FISI • Quarterly Data • 5Y View
| Date | Total Debt ($B) | Cash & Inv. ($B) | Net Debt ($B) | Total Assets | Debt/Assets |
|---|---|---|---|---|---|
| 2026-06-30 | 0.26 | 1.07 | -0.81Net Cash | 5.76 | 4.5% |
| 2026-03-31 | 0.22 | 0.19 | 0.04 | 6.29 | 3.6% |
| 2025-12-31 | 0.33 | 0.11 | 0.23 | 6.27 | 5.3% |
| 2025-09-30 | 0.20 | 0.19 | 0.02 | 6.29 | 3.2% |
| 2025-06-30 | 0.25 | 0.09 | 0.16 | 6.14 | 4.0% |
| 2025-03-31 | 0.21 | 0.17 | 0.05 | 6.34 | 3.4% |
| 2024-12-31 | 0.26 | 0.09 | 0.17 | 6.12 | 4.2% |
| 2024-09-30 | 0.21 | 1.14 | -0.92Net Cash | 6.16 | 3.5% |
| 2024-06-30 | 0.36 | 1.02 | -0.66Net Cash | 6.13 | 5.9% |
| 2024-03-31 | 0.29 | 1.16 | -0.87Net Cash | 6.30 | 4.6% |
| 2023-12-31 | 0.34 | 1.01 | -0.67Net Cash | 6.16 | 5.6% |
| 2023-09-30 | 0.23 | 1.05 | -0.82Net Cash | 6.14 | 3.7% |
| 2023-06-30 | 0.50 | 1.09 | -0.59Net Cash | 6.14 | 8.1% |
| 2023-03-31 | 0.24 | 1.09 | -0.85Net Cash | 5.97 | 4.0% |
| 2022-12-31 | 0.31 | 1.08 | -0.77Net Cash | 5.80 | 5.4% |
| 2022-09-30 | 0.14 | 1.08 | -0.94Net Cash | 5.62 | 2.5% |
| 2022-06-30 | 0.18 | 1.17 | -0.98Net Cash | 5.57 | 3.3% |
| 2022-03-31 | 0.07 | 1.29 | -1.22Net Cash | 5.63 | 1.3% |
| 2021-12-31 | 0.10 | 1.26 | -1.15Net Cash | 5.52 | 1.9% |
| 2021-09-30 | 0.07 | 1.39 | -1.31Net Cash | 5.62 | 1.3% |
| 2021-06-30 | 0.07 | 1.11 | -1.04Net Cash | 5.30 | 1.4% |
| 2021-03-31 | 0.07 | 1.10 | -1.02Net Cash | 5.33 | 1.4% |
| 2020-12-31 | 0.08 | 0.72 | -0.64Net Cash | 4.91 | 1.6% |
| 2020-09-30 | 0.04 | 0.80 | -0.75Net Cash | 4.96 | 0.9% |
| 2020-06-30 | 0.14 | 0.59 | -0.44Net Cash | 4.68 | 3.1% |
| 2020-03-31 | 0.15 | 0.60 | -0.45Net Cash | 4.47 | 3.3% |
| 2019-12-31 | 0.31 | 0.53 | -0.22Net Cash | 4.38 | 7.2% |
| 2019-09-30 | 0.25 | 0.53 | -0.28Net Cash | 4.33 | 5.8% |
| 2019-06-30 | 0.35 | 0.52 | -0.17Net Cash | 4.31 | 8.1% |
| 2019-03-31 | 0.33 | 0.51 | -0.18Net Cash | 4.30 | 7.6% |
| 2018-12-31 | 0.51 | 0.55 | -0.04Net Cash | 4.31 | 11.8% |
| 2018-09-30 | 0.35 | 0.58 | -0.23Net Cash | 4.26 | 8.2% |
| 2018-06-30 | 0.51 | 0.58 | -0.07Net Cash | 4.19 | 12.2% |
| 2018-03-31 | 0.37 | 0.63 | -0.27Net Cash | 4.15 | 8.8% |
| 2017-12-31 | 0.49 | 0.62 | -0.14Net Cash | 4.11 | 11.8% |
| 2017-09-30 | 0.35 | 0.65 | -0.30Net Cash | 4.02 | 8.7% |
| 2017-06-30 | 0.39 | 0.63 | -0.24Net Cash | 3.89 | 9.9% |
| 2017-03-31 | 0.34 | 0.69 | -0.35Net Cash | 3.86 | 8.9% |
| 2016-12-31 | 0.37 | 0.61 | -0.24Net Cash | 3.71 | 10.0% |
| 2016-09-30 | 0.27 | 0.67 | -0.40Net Cash | 3.69 | 7.3% |
| 2016-06-30 | 0.38 | 0.69 | -0.31Net Cash | 3.59 | 10.5% |
| 2016-03-31 | 0.22 | 0.72 | -0.50Net Cash | 3.52 | 6.2% |
| 2015-12-31 | 0.33 | 0.60 | -0.27Net Cash | 3.38 | 9.8% |
| 2015-09-30 | 0.28 | 0.63 | -0.35Net Cash | 3.36 | 8.4% |
| 2015-06-30 | 0.39 | 0.83 | -0.44Net Cash | 3.36 | 11.6% |
| 2015-03-31 | 0.18 | 0.78 | -0.60Net Cash | 3.20 | 5.5% |
| 2014-12-31 | 0.33 | 0.68 | -0.35Net Cash | 3.09 | 10.8% |
| 2014-09-30 | 0.22 | 0.67 | -0.46Net Cash | 3.06 | 7.1% |
| 2014-06-30 | 0.25 | 0.67 | -0.41Net Cash | 2.99 | 8.5% |
| 2014-03-31 | 0.20 | 0.75 | -0.55Net Cash | 3.02 | 6.5% |
| 2013-12-31 | 0.34 | 0.67 | -0.33Net Cash | 2.93 | 11.5% |
| 2013-09-30 | 0.19 | 0.68 | -0.49Net Cash | 2.87 | 6.6% |
| 2013-06-30 | 0.19 | 0.86 | -0.67Net Cash | 2.78 | 7.0% |
| 2013-03-31 | 0.14 | 0.94 | -0.80Net Cash | 2.83 | 4.9% |
| 2012-12-31 | 0.18 | 0.88 | -0.70Net Cash | 2.76 | 6.5% |
| 2012-09-30 | 0.04 | 0.08 | -0.04Net Cash | 2.65 | 1.4% |
| 2012-06-30 | 0.20 | 0.06 | 0.14 | 2.62 | 7.7% |
| 2012-03-31 | 0.12 | 0.08 | 0.04 | 2.46 | 4.8% |
| 2011-12-31 | 0.15 | 0.69 | -0.53Net Cash | 2.34 | 6.5% |
| 2011-09-30 | 0.10 | 0.07 | 0.04 | 2.36 | 4.4% |
| 2011-06-30 | 0.16 | 0.05 | 0.11 | 2.28 | 7.0% |
| 2011-03-31 | 0.07 | 0.09 | -0.03Net Cash | 2.30 | 3.0% |
| 2010-12-31 | 0.10 | 0.04 | 0.06 | 2.21 | 4.7% |
| 2010-09-30 | 0.07 | 0.07 | -0.01Net Cash | 2.25 | 3.0% |
| 2010-06-30 | 0.09 | 0.04 | 0.05 | 2.14 | 4.4% |
| 2010-03-31 | 0.08 | 0.07 | 0.01 | 2.16 | 3.9% |
| 2009-12-31 | 0.11 | 0.04 | 0.06 | 2.06 | 5.2% |
| 2009-09-30 | 0.12 | 0.06 | 0.06 | 2.14 | 5.6% |
| 2009-06-30 | 0.08 | 0.04 | 0.04 | 2.00 | 4.0% |
| 2009-03-31 | 0.08 | 0.12 | -0.04Net Cash | 2.03 | 3.9% |
| 2008-12-31 | 0.07 | 0.03 | 0.04 | 1.92 | 3.7% |
| 2008-09-30 | 0.11 | 0.05 | 0.06 | 1.95 | 5.9% |
| 2008-06-30 | 0.09 | 0.06 | 0.03 | 1.90 | 4.7% |
| 2008-03-31 | 0.07 | 0.05 | 0.02 | 1.91 | 3.7% |
| 2007-12-31 | 0.07 | 0.05 | 0.02 | 1.86 | 3.7% |
| 2007-09-30 | 0.08 | 0.06 | 0.02 | 1.90 | 4.2% |
| 2007-06-30 | 0.08 | 0.04 | 0.03 | 1.90 | 4.0% |
| 2007-03-31 | 0.08 | 0.04 | 0.04 | 1.96 | 4.1% |
| 2006-12-31 | 0.09 | 0.05 | 0.04 | 1.91 | 4.6% |
| 2006-09-30 | 0.11 | 0.05 | 0.06 | 1.95 | 5.7% |
| 2006-06-30 | 0.12 | 0.05 | 0.07 | 1.92 | 6.0% |
| 2006-03-31 | 0.11 | 0.04 | 0.07 | 1.98 | 5.8% |
| 2005-12-31 | 0.12 | 0.05 | 0.07 | 2.02 | 5.7% |
| 2005-09-30 | 0.12 | 0.05 | 0.07 | 2.09 | 5.8% |
| 2005-06-30 | 0.13 | 0.05 | 0.08 | 2.11 | 6.2% |
| 2005-03-31 | 0.13 | 0.05 | 0.08 | 2.20 | 5.9% |
| 2004-12-31 | 0.13 | 0.05 | 0.09 | 2.16 | 6.1% |
| 2004-09-30 | 0.14 | 0.06 | 0.08 | 2.21 | 6.2% |
| 2004-06-30 | 0.13 | 0.05 | 0.08 | 2.18 | 6.1% |
| 2004-03-31 | 0.15 | 0.04 | 0.11 | 2.22 | 6.7% |
| 2003-12-31 | 0.15 | 0.05 | 0.11 | 2.17 | 7.1% |
| 2003-09-30 | 0.16 | 0.07 | 0.09 | 2.19 | 7.1% |
| 2003-06-30 | 0.16 | 0.06 | 0.09 | 2.19 | 7.2% |
| 2003-03-31 | 0.17 | 0.05 | 0.13 | 2.20 | 7.9% |
| 2002-12-31 | 0.20 | 0.05 | 0.15 | 2.11 | 9.3% |
| 2002-09-30 | 0.19 | 0.64 | -0.45Net Cash | 2.03 | 9.3% |
| 2002-06-30 | 0.19 | 0.04 | 0.14 | 1.98 | 9.4% |
| 2002-03-31 | 0.19 | 0.05 | 0.14 | 1.88 | 10.0% |
| 2001-12-31 | 0.19 | 0.05 | 0.14 | 1.79 | 10.6% |
| 2001-09-30 | 0.14 | 0.06 | 0.09 | 1.75 | 8.2% |
| 2001-06-30 | 0.17 | 0.04 | 0.13 | 1.72 | 9.9% |
| 2001-03-31 | 0.05 | 0.03 | 0.02 | 1.34 | 3.8% |
| 2000-12-31 | 0.06 | 0.03 | 0.03 | 1.29 | 4.8% |
| 2000-09-30 | 0.07 | 0.04 | 0.03 | 1.26 | 5.5% |
| 2000-06-30 | 0.08 | 0.03 | 0.05 | 1.20 | 6.5% |
| 2000-03-31 | 0.06 | 0.03 | 0.03 | 1.14 | 5.3% |
| 1999-12-31 | 0.06 | 0.05 | 0.01 | 1.14 | 5.0% |
| 1999-09-30 | 0.02 | 0.03 | -0.01Net Cash | 1.07 | 2.2% |
| 1999-06-30 | 0.03 | 0.02 | 0.01 | 1.03 | 3.1% |
| 1999-03-31 | 0.02 | 0.03 | -0.01Net Cash | 0.99 | 2.0% |