Financial Institutions, Inc. (FISI)

Financial Institutions Statistics

Total Valuation

FISI has a market cap or net worth of $531.22 million. The enterprise value is $683.06 million.

Market Cap	531.22M
Enterprise Value	683.06M

Important Dates

The last earnings date was Thursday, July 24, 2025, after market close.

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

Share Statistics

FISI has 20.13 million shares outstanding. The number of shares has increased by 15.96% in one year.

Current Share Class	20.13M
Shares Outstanding	20.13M
Shares Change (YoY)	+15.96%
Shares Change (QoQ)	+0.04%
Owned by Insiders (%)	2.62%
Owned by Institutions (%)	75.24%
Float	18.24M

Valuation Ratios

PE Ratio	n/a
Forward PE	7.13
PS Ratio	4.63
Forward PS	2.17
PB Ratio	0.91
P/TBV Ratio	1.01
P/FCF Ratio	18.85
P/OCF Ratio	15.88
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	6.66
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	24.24

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	9.82
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is -6.53%.

Return on Equity (ROE)	-6.53%
Return on Assets (ROA)	-0.57%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$171,637
Profits Per Employee	-$60,860
Employee Count	598
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

Income Tax	-23.67M
Effective Tax Rate	n/a

Stock Price Statistics

The stock price has increased by +11.59% in the last 52 weeks. The beta is 0.81, so FISI's price volatility has been lower than the market average.

Beta (5Y)	0.81
52-Week Price Change	+11.59%
50-Day Moving Average	26.02
200-Day Moving Average	26.20
Relative Strength Index (RSI)	56.10
Average Volume (20 Days)	136,724

Short Selling Information

The latest short interest is 465,755, so 2.31% of the outstanding shares have been sold short.

Short Interest	465,755
Short Previous Month	491,786
Short % of Shares Out	2.31%
Short % of Float	2.55%
Short Ratio (days to cover)	3.07

Income Statement

In the last 12 months, FISI had revenue of $102.64 million and -$36.39 million in losses. Loss per share was -$2.02.

Revenue	102.64M
Gross Profit	102.64M
Operating Income	-29.54M
Pretax Income	63.97M
Net Income	-36.39M
EBITDA	n/a
EBIT	n/a
Loss Per Share	-$2.02

Balance Sheet

The company has $124.80 million in cash and $276.64 million in debt, giving a net cash position of -$151.84 million or -$7.54 per share.

Cash & Cash Equivalents	124.80M
Total Debt	276.64M
Net Cash	-151.84M
Net Cash Per Share	-$7.54
Equity (Book Value)	601.67M
Book Value Per Share	29.03
Working Capital	-5.19B

Cash Flow

In the last 12 months, operating cash flow was $33.44 million and capital expenditures -$5.26 million, giving a free cash flow of $28.18 million.

Operating Cash Flow	33.44M
Capital Expenditures	-5.26M
Free Cash Flow	28.18M
FCF Per Share	$1.40

Margins

Gross Margin	n/a
Operating Margin	-28.78%
Pretax Margin	-57.09%
Profit Margin	-34.04%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	27.46%

Dividends & Yields

This stock pays an annual dividend of $1.24, which amounts to a dividend yield of 4.69%.

Dividend Per Share	$1.24
Dividend Yield	4.69%
Dividend Growth (YoY)	1.67%
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	-15.96%
Shareholder Yield	-11.22%
Earnings Yield	-6.85%
FCF Yield	5.31%

Analyst Forecast

The average price target for FISI is $33.00, which is 25.48% higher than the current price. The consensus rating is "Buy".

Price Target	$33.00
Price Target Difference	25.48%
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