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Financial Institutions Inc (FISI)
NASDAQ:FISI
US Market

Financial Institutions (FISI) Ratios

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Financial Institutions Ratios

FISI's free cash flow for Q4 2025 was $0.63. For the 2025 fiscal year, FISI's free cash flow was decreased by $ and operating cash flow was $0.25. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
1.17 1.00 0.02 0.19 0.21
Quick Ratio
1.17 1.00 0.02 0.19 0.21
Cash Ratio
1.17 1.00 0.02 0.02 0.03
Solvency Ratio
0.01 0.01 >-0.01 0.01 0.01
Operating Cash Flow Ratio
0.20 0.17 0.01 <0.01 0.03
Short-Term Operating Cash Flow Coverage
0.17 0.17 0.78 0.06 0.65
Net Current Asset Value
$ -5.54B$ -5.54B$ -5.44B$ -4.67B$ -4.29B
Leverage Ratios
Debt-to-Assets Ratio
0.03 0.03 0.04 0.06 0.05
Debt-to-Equity Ratio
0.31 0.31 0.45 0.75 0.77
Debt-to-Capital Ratio
0.24 0.24 0.31 0.43 0.44
Long-Term Debt-to-Capital Ratio
0.24 0.24 0.18 0.21 0.15
Financial Leverage Ratio
9.98 9.98 10.75 13.55 14.29
Debt Service Coverage Ratio
0.33 0.31 -0.14 0.19 0.28
Interest Coverage Ratio
0.69 0.69 -0.46 0.52 2.47
Debt to Market Cap
0.50 0.49 0.52 0.95 0.75
Interest Debt Per Share
16.25 16.25 25.90 30.16 22.18
Net Debt to EBITDA
0.87 0.93 -2.80 3.08 2.30
Profitability Margins
Gross Profit Margin
61.61%61.73%33.33%59.32%82.23%
EBIT Margin
24.23%24.17%-25.80%18.96%29.44%
EBITDA Margin
25.74%24.17%-22.89%21.39%32.80%
Operating Profit Margin
24.23%24.17%-25.80%18.96%29.44%
Pretax Profit Margin
24.23%24.17%-25.80%18.96%29.44%
Net Profit Margin
19.86%19.81%-15.76%15.11%23.47%
Continuous Operations Profit Margin
19.86%19.81%-15.76%15.11%23.47%
Net Income Per EBT
81.95%81.95%61.11%79.72%79.71%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
1.19%1.19%-0.68%0.82%0.98%
Return on Equity (ROE)
12.26%11.91%-7.32%11.05%13.95%
Return on Capital Employed (ROCE)
1.48%1.48%-7.68%8.48%10.80%
Return on Invested Capital (ROIC)
1.19%1.19%-4.22%5.41%6.56%
Return on Tangible Assets
1.20%1.20%-0.69%0.83%0.99%
Earnings Yield
12.16%11.95%-9.73%15.35%15.10%
Efficiency Ratios
Receivables Turnover
15.02 15.06 11.12 13.59 12.45
Payables Turnover
0.00 0.00 6.81 6.97 7.16
Inventory Turnover
0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
0.00 0.00 3.76 4.66 3.30
Asset Turnover
0.06 0.06 0.04 0.05 0.04
Working Capital Turnover Ratio
-0.14 -0.15 -0.06 -0.08 -0.06
Cash Conversion Cycle
24.30 24.24 -20.77 -25.50 -21.65
Days of Sales Outstanding
24.30 24.24 32.81 26.87 29.33
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
0.00 0.00 53.58 52.37 50.98
Operating Cycle
24.30 24.24 32.81 26.87 29.33
Cash Flow Ratios
Operating Cash Flow Per Share
0.94 0.94 4.92 0.71 8.68
Free Cash Flow Per Share
0.77 0.68 4.60 0.51 8.14
CapEx Per Share
0.16 0.28 0.32 0.19 0.54
Free Cash Flow to Operating Cash Flow
0.83 0.72 0.94 0.73 0.94
Dividend Paid and CapEx Coverage Ratio
0.64 0.59 3.09 0.48 4.87
Capital Expenditure Coverage Ratio
5.82 3.39 15.51 3.64 15.96
Operating Cash Flow Coverage Ratio
0.10 0.10 0.30 0.03 0.43
Operating Cash Flow to Sales Ratio
0.05 0.05 0.29 0.03 0.55
Free Cash Flow Yield
2.53%2.17%16.86%2.41%33.41%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
8.22 8.37 -10.28 6.52 6.62
Price-to-Sales (P/S) Ratio
1.64 1.66 1.62 0.98 1.55
Price-to-Book (P/B) Ratio
0.98 1.00 0.75 0.72 0.92
Price-to-Free Cash Flow (P/FCF) Ratio
39.59 46.06 5.93 41.45 2.99
Price-to-Operating Cash Flow Ratio
32.74 33.32 5.55 30.06 2.81
Price-to-Earnings Growth (PEG) Ratio
0.03 -0.04 0.06 -0.57 -0.26
Price-to-Fair Value
0.98 1.00 0.75 0.72 0.92
Enterprise Value Multiple
7.23 7.79 -9.88 7.68 7.04
Enterprise Value
701.50M 711.39M 597.27M 546.39M 556.74M
EV to EBITDA
7.23 7.79 -9.88 7.68 7.04
EV to Sales
1.86 1.88 2.26 1.64 2.31
EV to Free Cash Flow
45.04 52.30 8.28 69.15 4.45
EV to Operating Cash Flow
37.31 37.84 7.74 50.15 4.17
Tangible Book Value Per Share
28.29 28.29 32.41 24.86 21.59
Shareholders’ Equity Per Share
31.29 31.29 36.28 29.58 26.37
Tax and Other Ratios
Effective Tax Rate
0.18 0.18 0.39 0.20 0.20
Revenue Per Share
18.76 18.80 16.84 21.63 15.67
Net Income Per Share
3.72 3.72 -2.66 3.27 3.68
Tax Burden
0.82 0.82 0.61 0.80 0.80
Interest Burden
1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
0.21 0.23 0.28 0.24 0.31
Stock-Based Compensation to Revenue
<0.01 0.00 <0.01 <0.01 0.01
Income Quality
0.25 0.25 -1.85 0.22 2.36
Currency in USD