Financial Institutions, Inc. (FISI)

Financial Institutions Ratios and Metrics

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

Fiscal Year	Current	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Nov 21, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Market Capitalization	425	328	374	504	361	514
Market Cap Growth	52.03%	-12.18%	-25.83%	39.57%	-29.73%	25.47%
Last Close Price	26.38	20.35	21.82	27.27	18.63	25.18
PE Ratio	8.66	6.72	6.78	6.61	9.79	10.83
PS Ratio	1.88	1.64	1.86	2.40	2.33	3.16
PB Ratio	0.85	0.72	0.92	1.00	0.77	1.17
P/FCF Ratio	-	41.52	2.98	7.92	9.21	9.50
P/OCF Ratio	173.15	30.12	2.80	6.90	8.30	8.90
Debt / Equity Ratio	0.49	0.84	0.89	0.28	0.26	0.78
Debt / FCF Ratio	-	48.20	2.88	2.24	3.08	6.37
Return on Equity (ROE)	11.21%	11.68%	12.42%	15.96%	8.45%	11.70%
Return on Assets (ROA)	0.83%	0.84%	1.00%	1.49%	0.82%	1.12%
Earnings Yield	11.70%	15.32%	15.14%	15.43%	10.62%	9.52%
FCF Yield	-0.80%	2.41%	33.52%	12.62%	10.86%	10.53%
Dividend Yield	4.37%	5.90%	5.32%	3.96%	5.58%	3.97%
Payout Ratio	37.83%	39.28%	33.68%	23.75%	46.85%	35.32%
Buyback Yield / Dilution	-0.90%	-0.03%	2.92%	0.78%	-0.20%	-0.47%
Total Shareholder Return	3.54%	5.87%	8.24%	4.74%	5.38%	3.50%

Source: S&P Capital IQ. Banks template. Financial Sources.