FISIFinancial Institutions, Inc.

$608M

Q3 2021 Earnings

Financial Services Banks - Regional

Income Statement

Revenue

$53M+1.1% YoY

Gross Profit

$50M95.4% margin

Operating Income

$22M41.3% margin

Net Income

$17M32.6% margin

EPS (Diluted)

$1.05

QoQ Revenue Growth

+3.4%

Cash Flow

Operating Cash Flow

$9M

Free Cash Flow

$6M

Stock-Based Comp.

$538,000

Balance Sheet

Total Assets

$5.6B

Total Liabilities

$5.1B

Stockholders' Equity

$494M

Cash & Equivalents

$288M

Year-over-Year Comparison

Metric	Current	Year Ago	Change
Revenue	$53M	$52M	+1.1%
Gross Profit	$50M	$44M	+14.6%
Operating Income	$22M	$15M	+42.8%
Net Income	$17M	$12M	+39.9%

FISI Q3 2021 Earnings — Financial Institutions, Inc. Revenue & Financial Results | Market Cap Arena