Financial Institutions, Inc. (FISI)

Financial Institutions Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Apr 9, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Cap	676	617	548	328	374	501
Market Cap Growth	28.02%	12.63%	66.95%	-12.18%	-25.37%	38.72%
Enterprise Value	888.4	828.02	690.02	470	465.2	591.91
Last Close Price	34.44	31.17	27.29	21.30	24.36	31.80
PE Ratio	9.52	8.63	-9.92	6.76	6.84	6.65
Forward PE	8.78	8.25	8.92	7.16	7.17	9.46
PEG Ratio	-	1.54	1.54	1.54	1.54	1.54
PS Ratio	2.85	2.64	4.95	1.64	1.87	2.38
PB Ratio	1.10	0.98	0.96	0.72	0.92	0.99
P/TBV Ratio	1.11	1.01	0.75	0.72	0.93	1.00
P/FCF Ratio	50.19	46.56	7.59	41.53	2.98	7.88
P/OCF Ratio	35.38	32.82	7.10	30.12	2.80	6.86
EV/Sales Ratio	3.81	3.55	6.23	2.35	2.32	2.82
EV/EBITDA Ratio	-	105.05	89.90	58.09	57.35	73.54
EV/FCF Ratio	67.03	62.47	9.56	59.48	3.72	9.31
Debt / Equity Ratio	0.31	0.31	0.22	0.27	0.18	0.15
Debt / EBITDA Ratio	24.57	24.57	16.27	15.39	9.15	9.18
Debt / FCF Ratio	14.61	14.61	1.73	15.76	0.59	1.16
Net Debt / Equity Ratio	0.31	0.31	0.22	0.27	0.18	0.15
Net Debt / EBITDA Ratio	24.57	24.57	16.27	15.39	9.15	9.18
Net Debt / FCF Ratio	14.61	14.61	1.73	15.76	0.59	1.16
Asset Turnover	0.04	0.04	0.02	0.03	0.04	0.04
Return on Equity (ROE)	12.50%	12.50%	-8.14%	11.68%	12.42%	15.96%
Earnings Yield	11.04%	11.58%	-10.08%	14.79%	14.61%	15.03%
FCF Yield	1.99%	2.15%	13.17%	2.41%	33.51%	12.69%
Dividend Yield	3.61%	3.95%	4.33%	5.58%	4.69%	3.37%
Payout Ratio	34.63%	33.67%	-42.95%	37.47%	31.92%	22.29%
Buyback Yield / Dilution	-29.55%	-29.55%	-1.34%	-0.03%	2.92%	0.78%
Total Shareholder Return	-25.95%	-25.61%	2.98%	5.56%	7.62%	4.16%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q