Financial Institutions, Inc. (FISI)

Financial Institutions Statistics

Total Valuation

FISI has a market cap or net worth of $596.07 million. The enterprise value is $605.19 million.

Market Cap	596.07M
Enterprise Value	605.19M

Important Dates

The last earnings date was Thursday, October 23, 2025, after market close.

Earnings Date	Oct 23, 2025
Ex-Dividend Date	Sep 15, 2025

Share Statistics

FISI has 20.13 million shares outstanding. The number of shares has increased by 23.12% in one year.

Current Share Class	20.13M
Shares Outstanding	20.13M
Shares Change (YoY)	+23.12%
Shares Change (QoQ)	+0.21%
Owned by Insiders (%)	2.65%
Owned by Institutions (%)	75.03%
Float	17.82M

Valuation Ratios

PE Ratio	n/a
Forward PE	7.64
PS Ratio	4.82
Forward PS	2.50
PB Ratio	0.98
P/TBV Ratio	1.09
P/FCF Ratio	28.75
P/OCF Ratio	24.24
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	5.18
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	29.40

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	11.16
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is -4.98%.

Return on Equity (ROE)	-4.98%
Return on Assets (ROA)	-0.45%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$195,209
Profits Per Employee	-$49,135
Employee Count	598
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

Income Tax	-19.99M
Effective Tax Rate	n/a

Stock Price Statistics

The stock price has increased by +4.83% 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	+4.83%
50-Day Moving Average	27.45
200-Day Moving Average	26.38
Relative Strength Index (RSI)	62.30
Average Volume (20 Days)	143,524

Short Selling Information

The latest short interest is 563,098, so 2.80% of the outstanding shares have been sold short.

Short Interest	563,098
Short Previous Month	520,667
Short % of Shares Out	2.80%
Short % of Float	3.16%
Short Ratio (days to cover)	4.23

Income Statement

In the last 12 months, FISI had revenue of $116.74 million and -$29.38 million in losses. Loss per share was -$1.53.

Revenue	116.74M
Gross Profit	116.74M
Operating Income	-18.73M
Pretax Income	-47.91M
Net Income	-29.38M
EBITDA	n/a
EBIT	n/a
Loss Per Share	-$1.53

Balance Sheet

The company has $216.40 million in cash and $229.75 million in debt, giving a net cash position of -$13.36 million or -$0.66 per share.

Cash & Cash Equivalents	216.40M
Total Debt	229.75M
Net Cash	-13.36M
Net Cash Per Share	-$0.66
Equity (Book Value)	621.72M
Book Value Per Share	30.03
Working Capital	-5.24B

Cash Flow

In the last 12 months, operating cash flow was $24.41 million and capital expenditures -$3.83 million, giving a free cash flow of $20.58 million.

Operating Cash Flow	24.41M
Capital Expenditures	-3.83M
Free Cash Flow	20.58M
FCF Per Share	$1.02

Margins

Gross Margin	n/a
Operating Margin	-16.04%
Pretax Margin	-41.04%
Profit Margin	-23.92%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	17.63%

Dividends & Yields

This stock pays an annual dividend of $1.24, which amounts to a dividend yield of 4.23%.

Dividend Per Share	$1.24
Dividend Yield	4.23%
Dividend Growth (YoY)	2.50%
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	-23.12%
Shareholder Yield	-18.89%
Earnings Yield	-4.96%
FCF Yield	3.48%

Analyst Forecast

The average price target for FISI is $33.33, which is 12.56% higher than the current price. The consensus rating is "Buy".

Price Target	$33.33
Price Target Difference	12.56%
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