FISIFinancial Institutions, Inc.

$608M

Q2 2018 Earnings

Financial Services Banks - Regional

Income Statement

Revenue

$45M+11.5% YoY

Gross Profit

$38M84.9% margin

Operating Income

$15M33.4% margin

Net Income

$12M26.9% margin

EPS (Diluted)

$0.74

QoQ Revenue Growth

+3.4%

Cash Flow

Operating Cash Flow

$13M

Free Cash Flow

$12M

Stock-Based Comp.

$457,000

Balance Sheet

Total Assets

$4.2B

Total Liabilities

$3.8B

Stockholders' Equity

$387M

Cash & Equivalents

$89M

Year-over-Year Comparison

Metric	Current	Year Ago	Change
Revenue	$45M	$41M	+11.5%
Gross Profit	$38M	$33M	+17.3%
Operating Income	$15M	$9M	+68.7%
Net Income	$12M	$6M	+94.8%

FISI Q2 2018 Earnings — Financial Institutions, Inc. Revenue & Financial Results | Market Cap Arena