Financial Institutions Statistics
Total Valuation
FISI has a market cap or net worth of $630.06 million. The enterprise value is $853.25 million.
Important Dates
The next confirmed earnings date is Thursday, April 23, 2026, after market close.
| Earnings Date | Apr 23, 2026 |
| Ex-Dividend Date | Mar 13, 2026 |
Share Statistics
FISI has 19.63 million shares outstanding. The number of shares has increased by 29.55% in one year.
| Current Share Class | 19.63M |
| Shares Outstanding | 19.63M |
| Shares Change (YoY) | +29.55% |
| Shares Change (QoQ) | +0.05% |
| Owned by Insiders (%) | 2.74% |
| Owned by Institutions (%) | 72.57% |
| Float | 17.29M |
Valuation Ratios
The trailing PE ratio is 8.89 and the forward PE ratio is 8.20.
| PE Ratio | 8.89 |
| Forward PE | 8.20 |
| PS Ratio | 2.70 |
| Forward PS | 2.86 |
| PB Ratio | 1.04 |
| P/TBV Ratio | 1.14 |
| P/FCF Ratio | 47.54 |
| P/OCF Ratio | 33.51 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 11.62 |
| EV / Sales | 3.66 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 64.38 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 27.24 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 12.50%.
| Return on Equity (ROE) | 12.50% |
| Return on Assets (ROA) | 1.21% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 5.07% |
| Revenue Per Employee | $369,754 |
| Profits Per Employee | $116,338 |
| Employee Count | 631 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, FISI has paid $16.49 million in taxes.
| Income Tax | 16.49M |
| Effective Tax Rate | 18.05% |
Stock Price Statistics
The stock price has increased by +28.57% in the last 52 weeks. The beta is 0.68, so FISI's price volatility has been lower than the market average.
| Beta (5Y) | 0.68 |
| 52-Week Price Change | +28.57% |
| 50-Day Moving Average | 32.32 |
| 200-Day Moving Average | 29.20 |
| Relative Strength Index (RSI) | 57.96 |
| Average Volume (20 Days) | 133,150 |
Short Selling Information
The latest short interest is 536,799, so 2.73% of the outstanding shares have been sold short.
| Short Interest | 536,799 |
| Short Previous Month | 404,236 |
| Short % of Shares Out | 2.73% |
| Short % of Float | 3.10% |
| Short Ratio (days to cover) | 3.65 |
Income Statement
In the last 12 months, FISI had revenue of $233.32 million and earned $73.41 million in profits. Earnings per share was $3.61.
| Revenue | 233.32M |
| Gross Profit | 233.32M |
| Operating Income | 96.84M |
| Pretax Income | 91.35M |
| Net Income | 73.41M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $3.61 |
Full Income StatementBalance Sheet
The company has $137.87 million in cash and $361.06 million in debt, with a net cash position of -$223.19 million or -$11.37 per share.
| Cash & Cash Equivalents | 137.87M |
| Total Debt | 361.06M |
| Net Cash | -223.19M |
| Net Cash Per Share | -$11.37 |
| Equity (Book Value) | 628.85M |
| Book Value Per Share | 30.89 |
| Working Capital | -5.22B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $18.80 million and capital expenditures -$5.55 million, giving a free cash flow of $13.25 million.
| Operating Cash Flow | 18.80M |
| Capital Expenditures | -5.55M |
| Depreciation & Amortization | n/a |
| Net Borrowing | 80.00M |
| Free Cash Flow | 13.25M |
| FCF Per Share | $0.68 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 41.51% |
| Pretax Margin | 39.15% |
| Profit Margin | 32.09% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 5.68% |
Dividends & Yields
This stock pays an annual dividend of $1.24, which amounts to a dividend yield of 3.91%.
| Dividend Per Share | $1.24 |
| Dividend Yield | 3.91% |
| Dividend Growth (YoY) | 3.31% |
| Years of Dividend Growth | 1 |
| Payout Ratio | 34.63% |
| Buyback Yield | -29.55% |
| Shareholder Yield | -25.69% |
| Earnings Yield | 11.65% |
| FCF Yield | 2.10% |
Dividend DetailsAnalyst Forecast
The average price target for FISI is $37.00, which is 15.30% higher than the current price. The consensus rating is "Buy".
| Price Target | $37.00 |
| Price Target Difference | 15.30% |
| Analyst Consensus | Buy |
| Analyst Count | 2 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsFair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | |
| Lynch Upside | |
| Graham Number | |
| Graham Upside | |
Stock Splits
This stock does not have any record of stock splits.
| Last Split Date | n/a |
| Split Type | n/a |
| Split Ratio | n/a |
Scores
| Altman Z-Score | n/a |
| Piotroski F-Score | 3 |
