Financial Institutions, Inc. (FISI)

Financial Institutions Ratios and Metrics

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

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Nov 10, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	599	531	328	374	504	361
Market Cap Growth	51.11%	61.99%	-12.17%	-25.83%	39.57%	-29.73%
Last Close Price	29.33	26.34	19.43	20.84	26.05	17.80
PE Ratio	-	-	6.72	6.78	6.61	9.79
PS Ratio	4.82	4.80	1.64	1.87	2.40	2.33
PB Ratio	0.98	0.93	0.72	0.92	1.00	0.77
P/FCF Ratio	28.75	7.37	41.52	2.98	7.92	9.21
P/OCF Ratio	24.24	6.89	30.12	2.80	6.90	8.30
Debt / Equity Ratio	0.37	0.52	0.84	0.89	0.28	0.26
Debt / FCF Ratio	11.16	4.13	48.20	2.88	2.24	3.08
Return on Equity (ROE)	-4.98%	-8.14%	11.68%	12.42%	15.96%	8.45%
Return on Assets (ROA)	-0.45%	-0.68%	0.84%	1.00%	1.49%	0.83%
Earnings Yield	-4.96%	-7.84%	15.32%	15.14%	15.43%	10.62%
FCF Yield	3.48%	13.58%	2.41%	33.52%	12.62%	10.86%
Dividend Yield	4.23%	4.56%	6.17%	5.57%	4.15%	5.84%
Payout Ratio	-	-	39.28%	33.68%	23.75%	46.85%
Buyback Yield / Dilution	-23.12%	-1.34%	-0.03%	2.92%	0.78%	-0.20%
Total Shareholder Return	-18.89%	3.21%	6.15%	8.49%	4.93%	5.64%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q