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Financial Institutions Inc (FISI)
NASDAQ:FISI
US Market

Financial Institutions (FISI) Stock Statistics & Valuation Metrics

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Total Valuation

Financial Institutions has a market cap or net worth of $685.85M. The enterprise value is $676.76M.
Market Cap$685.85M
Enterprise Value$676.76M

Share Statistics

Financial Institutions has 20,130,547 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding20,130,547
Owned by Insiders2.25%
Owned by Institutions0.01%

Financial Efficiency

Financial Institutions’s return on equity (ROE) is 0.12 and return on invested capital (ROIC) is 6.62%.
Return on Equity (ROE)0.12
Return on Assets (ROA)0.01
Return on Invested Capital (ROIC)6.62%
Return on Capital Employed (ROCE)0.02
Revenue Per Employee632.01K
Profits Per Employee125.20K
Employee Count598
Asset Turnover0.07
Inventory Turnover0.00

Valuation Ratios

The current PE Ratio of Financial Institutions is 9.4. Financial Institutions’s PEG ratio is -0.04.
PE Ratio9.4
PS Ratio1.66
PB Ratio1.00
Price to Fair Value1.00
Price to FCF0.00
Price to Operating Cash Flow-265.80
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 -2.60M and capital expenditures 0.00, giving a free cash flow of -2.60M billion.
Operating Cash Flow-2.60M
Free Cash Flow-2.60M
Free Cash Flow per Share-0.13

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

Beta0.98
52-Week Price Change23.35%
50-Day Moving Average32.30
200-Day Moving Average27.88
Relative Strength Index (RSI)58.89
Average Volume (3m)141.67K

Important Dates

Financial Institutions upcoming earnings date is Apr 29, 2026, After Close (Confirmed).
Last Earnings DateJan 29, 2026
Next Earnings DateApr 29, 2026
Ex-Dividend Date

Financial Position

Financial Institutions as a current ratio of 11.54, with Debt / Equity ratio of 7.90%
Current Ratio11.54
Quick Ratio11.54
Debt to Market Cap0.46
Net Debt to EBITDA0.93
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 7.79, with an EV/FCF ratio of 0.00.
EV to Sales1.88
EV to EBITDA7.79
EV to Free Cash Flow0.00
EV to Operating Cash Flow0.00

Balance Sheet

Financial Institutions has $1.07B in cash and marketable securities with $92.82M in debt, giving a net cash position of $977.94M billion.
Cash & Marketable Securities$1.07B
Total Debt$92.82M
Net Cash$977.94M
Net Cash Per Share$48.58
Tangible Book Value Per Share$55.46

Margins

Gross margin is 61.61%, with operating margin of 24.17%, and net profit margin of 19.81%.
Gross Margin61.61%
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 $37.00, which is 11.43% higher than the current price. The consensus rating is Moderate Buy
Price Target$37.00
Price Target Upside19.90% Upside
Analyst ConsensusModerate Buy
Analyst Count2
Revenue Growth Forecast-28.00%
EPS Growth Forecast-174.60%

Scores

Smart Score5
AI Score