FISI Q3 2020 Earnings — Financial Institutions, Inc. Revenue & Financial Results | Market Cap Arena

FISIFinancial Institutions, Inc.

$608M

Q3 2020 Earnings

Financial Services Banks - Regional

Income Statement

Revenue

$52M-4.9% YoY

Gross Profit

$44M84.2% margin

Operating Income

$15M29.2% margin

Net Income

$12M23.6% margin

EPS (Diluted)

$0.74

QoQ Revenue Growth

+4.7%

Cash Flow

Operating Cash Flow

$10M

Free Cash Flow

$10M

Stock-Based Comp.

$289,000

Balance Sheet

Total Assets

$5.0B

Total Liabilities

$4.5B

Stockholders' Equity

$456M

Cash & Equivalents

$282M

Year-over-Year Comparison

Metric	Current	Year Ago	Change
Revenue	$52M	$55M	-4.9%
Gross Profit	$44M	$43M	+2.1%
Operating Income	$15M	$17M	-11.1%
Net Income	$12M	$13M	-4.4%