Financial Institutions, Inc. (FISI)

Financial Institutions Statistics

Total Valuation

FISI has a market cap or net worth of $493.69 million. The enterprise value is $535.09 million.

Market Cap	493.69M
Enterprise Value	535.09M

Important Dates

The next estimated earnings date is Thursday, July 24, 2025, after market close.

Earnings Date	Jul 24, 2025
Ex-Dividend Date	Jun 13, 2025

Share Statistics

FISI has 20.11 million shares outstanding. The number of shares has increased by 8.70% in one year.

Current Share Class	20.11M
Shares Outstanding	20.11M
Shares Change (YoY)	+8.70%
Shares Change (QoQ)	+23.58%
Owned by Insiders (%)	2.62%
Owned by Institutions (%)	77.72%
Float	18.32M

Valuation Ratios

PE Ratio	n/a
Forward PE	7.12
PS Ratio	3.81
Forward PS	2.17
PB Ratio	0.86
P/TBV Ratio	0.96
P/FCF Ratio	7.03
P/OCF Ratio	6.60
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	4.93
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	7.62

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	3.51
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is -5.18%.

Return on Equity (ROE)	-5.18%
Return on Assets (ROA)	-0.42%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$181,652
Profits Per Employee	-$47,319
Employee Count	598
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

Income Tax	-23.11M
Effective Tax Rate	n/a

Stock Price Statistics

The stock price has increased by +40.45% in the last 52 weeks. The beta is 0.74, so FISI's price volatility has been lower than the market average.

Beta (5Y)	0.74
52-Week Price Change	+40.45%
50-Day Moving Average	25.05
200-Day Moving Average	26.04
Relative Strength Index (RSI)	39.26
Average Volume (20 Days)	92,187

Short Selling Information

The latest short interest is 253,548, so 1.26% of the outstanding shares have been sold short.

Short Interest	253,548
Short Previous Month	256,420
Short % of Shares Out	1.26%
Short % of Float	1.38%
Short Ratio (days to cover)	2.57

Income Statement

In the last 12 months, FISI had revenue of $108.63 million and -$28.30 million in losses. Loss per share was -$1.69.

Revenue	108.63M
Gross Profit	108.63M
Operating Income	-20.93M
Pretax Income	63.97M
Net Income	-28.30M
EBITDA	n/a
EBIT	n/a
Loss Per Share	-$1.69

Balance Sheet

The company has $205.08 million in cash and $246.47 million in debt, giving a net cash position of -$41.40 million or -$2.06 per share.

Cash & Cash Equivalents	205.08M
Total Debt	246.47M
Net Cash	-41.40M
Net Cash Per Share	-$2.06
Equity (Book Value)	589.93M
Book Value Per Share	28.48
Working Capital	-5.30B

Cash Flow

In the last 12 months, operating cash flow was $74.84 million and capital expenditures -$4.62 million, giving a free cash flow of $70.23 million.

Operating Cash Flow	74.84M
Capital Expenditures	-4.62M
Free Cash Flow	70.23M
FCF Per Share	$3.49

Margins

Gross Margin	n/a
Operating Margin	-19.26%
Pretax Margin	-45.98%
Profit Margin	-24.71%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	64.65%

Dividends & Yields

This stock pays an annual dividend of $1.24, which amounts to a dividend yield of 5.07%.

Dividend Per Share	$1.24
Dividend Yield	5.07%
Dividend Growth (YoY)	1.67%
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	-8.70%
Shareholder Yield	-3.63%
Earnings Yield	-5.73%
FCF Yield	14.22%

Analyst Forecast

The average price target for FISI is $33.00, which is 34.04% higher than the current price. The consensus rating is "Buy".

Price Target	$33.00
Price Target Difference	34.04%
Analyst Consensus	Buy
Analyst Count	3
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value	n/a
Lynch Upside	n/a
Graham Number	n/a
Graham Upside	n/a

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	2