FISIFinancial Institutions, Inc.

$626M

Q4 2021 Earnings

Financial Services Banks - Regional

Income Statement

Revenue

$55M+8.3% YoY

Gross Profit

$53M96.9% margin

Operating Income

$24M43.2% margin

Net Income

$20M35.6% margin

EPS (Diluted)

$1.21

QoQ Revenue Growth

+4.8%

Cash Flow

Operating Cash Flow

$33M

Free Cash Flow

$32M

Stock-Based Comp.

$427,000

Balance Sheet

Total Assets

$5.5B

Total Liabilities

$5.0B

Stockholders' Equity

$505M

Cash & Equivalents

$79M

Year-over-Year Comparison

Metric	Current	Year Ago	Change
Revenue	$55M	$51M	+8.3%
Gross Profit	$53M	$41M	+29.0%
Operating Income	$24M	$15M	+53.9%
Net Income	$20M	$14M	+42.1%

FISI Q4 2021 Earnings — Financial Institutions, Inc. Revenue & Financial Results | Market Cap Arena