Financial Institutions, Inc. (FISI)

Financial Institutions Statistics

Total Valuation

FISI has a market cap or net worth of $621.23 million. The enterprise value is $815.13 million.

Market Cap	621.23M
Enterprise Value	815.13M

Important Dates

The last earnings date was Thursday, January 29, 2026, after market close.

Earnings Date	Jan 29, 2026
Ex-Dividend Date	Mar 13, 2026

Share Statistics

FISI has 19.80 million shares outstanding. The number of shares has increased by 29.55% in one year.

Current Share Class	19.80M
Shares Outstanding	19.80M
Shares Change (YoY)	+29.55%
Shares Change (QoQ)	+0.05%
Owned by Insiders (%)	2.67%
Owned by Institutions (%)	72.09%
Float	17.46M

Valuation Ratios

The trailing PE ratio is 8.69 and the forward PE ratio is 8.02.

PE Ratio	8.69
Forward PE	8.02
PS Ratio	2.66
Forward PS	2.63
PB Ratio	1.02
P/TBV Ratio	1.13
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	11.10
EV / Sales	3.49
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
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)	5.42%
Revenue Per Employee	$390,159
Profits Per Employee	$122,758
Employee Count	598
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 +12.76% in the last 52 weeks. The beta is 0.69, so FISI's price volatility has been lower than the market average.

Beta (5Y)	0.69
52-Week Price Change	+12.76%
50-Day Moving Average	32.65
200-Day Moving Average	28.63
Relative Strength Index (RSI)	37.57
Average Volume (20 Days)	212,310

Short Selling Information

The latest short interest is 378,023, so 1.91% of the outstanding shares have been sold short.

Short Interest	378,023
Short Previous Month	441,559
Short % of Shares Out	1.91%
Short % of Float	2.16%
Short Ratio (days to cover)	2.85

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

Balance Sheet

The company has $108.75 million in cash and $302.65 million in debt, with a net cash position of -$193.90 million or -$9.79 per share.

Cash & Cash Equivalents	108.75M
Total Debt	302.65M
Net Cash	-193.90M
Net Cash Per Share	-$9.79
Equity (Book Value)	628.85M
Book Value Per Share	30.89
Working Capital	-5.20B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

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	n/a

Dividends & Yields

This stock pays an annual dividend of $1.24, which amounts to a dividend yield of 3.77%.

Dividend Per Share	$1.24
Dividend Yield	3.77%
Dividend Growth (YoY)	3.33%
Years of Dividend Growth	1
Payout Ratio	34.35%
Buyback Yield	-29.55%
Shareholder Yield	-25.60%
Earnings Yield	11.82%
FCF Yield	n/a

Analyst Forecast

The average price target for FISI is $35.33, which is 12.59% higher than the current price. The consensus rating is "Hold".

Price Target	$35.33
Price Target Difference	12.59%
Analyst Consensus	Hold
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
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	2