Financial Institutions Inc (FISI)
NASDAQ:FISI
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Total Valuation
Financial Institutions has a market cap or net worth of $696.31M. The enterprise value is $835.30M.
Market Cap$696.31M
Enterprise Value$835.30M
Share Statistics
Financial Institutions has 19,686,370 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding19,686,370
Owned by Insiders2.53%
Owned by Institutions26.06%
Financial Efficiency
Financial Institutions’s return on equity (ROE) is 0.12 and return on invested capital (ROIC) is 7.16%.
Return on Equity (ROE)0.12
Return on Assets (ROA)0.01
Return on Invested Capital (ROIC)7.16%
Return on Capital Employed (ROCE)0.10
Revenue Per Employee632.01K
Profits Per Employee125.20K
Employee Count598
Asset Turnover0.06
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of Financial Institutions is 7.4. Financial Institutions’s PEG ratio is -0.04.
PE Ratio7.4
PS Ratio1.66
PB Ratio1.00
Price to Fair Value1.00
Price to FCF47.27
Price to Operating Cash Flow21.38
PEG Ratio-0.04
Income Statement
In the last 12 months, Financial Institutions had revenue of 377.94M and earned 74.87M in profits. Earnings per share was 3.65.
Revenue377.94M
Gross Profit233.31M
Operating Income91.35M
Pretax Income91.35M
Net Income74.87M
EBITDA91.35M
Earnings Per Share (EPS)3.65
Cash Flow
In the last 12 months, operating cash flow was 32.48M and capital expenditures -5.38M, giving a free cash flow of 27.10M billion.
Operating Cash Flow32.48M
Free Cash Flow27.10M
Free Cash Flow per Share1.38
Dividends & Yields
Financial Institutions pays an annual dividend of $0.31, resulting in a dividend yield of 3.89%
Dividend Per Share$0.31
Dividend Yield3.89%
Payout Ratio38.51%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta1.02
52-Week Price Change45.54%
50-Day Moving Average33.31
200-Day Moving Average30.23
Relative Strength Index (RSI)60.65
Average Volume (3m)141.67K
Important Dates
Financial Institutions upcoming earnings date is Jul 23, 2026, After Close (Confirmed).
Last Earnings DateApr 23, 2026
Next Earnings DateJul 23, 2026
Ex-Dividend Date―
Financial Position
Financial Institutions as a current ratio of 0.03, with Debt / Equity ratio of 35.56%
Current Ratio0.03
Quick Ratio0.03
Debt to Market Cap0.48
Net Debt to EBITDA2.47
Interest Coverage Ratio0.69
Taxes
In the past 12 months, Financial Institutions has paid 16.49M in taxes.
Income Tax16.49M
Effective Tax Rate0.18
Enterprise Valuation
Financial Institutions EV to EBITDA ratio is 9.33, with an EV/FCF ratio of 64.28.
EV to Sales2.25
EV to EBITDA9.33
EV to Free Cash Flow64.28
EV to Operating Cash Flow45.31
Balance Sheet
Financial Institutions has $185.24M in cash and marketable securities with $224.64M in debt, giving a net cash position of -$39.40M billion.
Cash & Marketable Securities$185.24M
Total Debt$224.64M
Net Cash-$39.40M
Net Cash Per Share-$2.00
Tangible Book Value Per Share$28.29
Margins
Gross margin is 63.66%, with operating margin of 24.17%, and net profit margin of 19.81%.
Gross Margin63.66%
Operating Margin24.17%
Pretax Margin24.17%
Net Profit Margin19.81%
EBITDA Margin24.17%
EBIT Margin24.17%
Analyst Forecast
The average price target for Financial Institutions is $37.50, which is 11.43% higher than the current price. The consensus rating is Moderate Buy
Price Target$37.50
Price Target Upside6.75% Upside
Analyst ConsensusModerate Buy
Analyst Count2
Revenue Growth Forecast41.30%
EPS Growth Forecast―