Financial Institutions Statistics
Total Valuation
FISI has a market cap or net worth of $813.87 million. The enterprise value is $1.01 billion.
| Market Cap | 813.87M |
| Enterprise Value | 1.01B |
Important Dates
The last earnings date was Thursday, July 23, 2026, after market close.
| Earnings Date | Jul 23, 2026 |
| Ex-Dividend Date | Jun 12, 2026 |
Share Statistics
FISI has 19.71 million shares outstanding. The number of shares has increased by 11.78% in one year.
| Current Share Class | 19.71M |
| Shares Outstanding | 19.71M |
| Shares Change (YoY) | +11.78% |
| Shares Change (QoQ) | +0.10% |
| Owned by Insiders (%) | 2.82% |
| Owned by Institutions (%) | 74.56% |
| Float | 17.18M |
Valuation Ratios
The trailing PE ratio is 10.25 and the forward PE ratio is 9.87.
| PE Ratio | 10.25 |
| Forward PE | 9.87 |
| PS Ratio | 3.32 |
| Forward PS | 3.02 |
| PB Ratio | 1.31 |
| P/TBV Ratio | 1.43 |
| P/FCF Ratio | 14.37 |
| P/OCF Ratio | 13.27 |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | 12.32 |
| EV / Sales | 4.11 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 17.77 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 5.69 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 13.27%.
| Return on Equity (ROE) | 13.27% |
| Return on Assets (ROA) | 1.32% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 5.58% |
| Revenue Per Employee | $385,837 |
| Profits Per Employee | $128,634 |
| Employee Count | 631 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, FISI has paid $17.04 million in taxes.
| Income Tax | 17.04M |
| Effective Tax Rate | 17.10% |
Stock Price Statistics
The stock price has increased by +66.00% in the last 52 weeks. The beta is 0.64, so FISI's price volatility has been lower than the market average.
| Beta (5Y) | 0.64 |
| 52-Week Price Change | +66.00% |
| 50-Day Moving Average | 39.00 |
| 200-Day Moving Average | 33.87 |
| Relative Strength Index (RSI) | 57.28 |
| Average Volume (20 Days) | 156,743 |
Short Selling Information
The latest short interest is 542,036, so 2.75% of the outstanding shares have been sold short.
| Short Interest | 542,036 |
| Short Previous Month | 498,351 |
| Short % of Shares Out | 2.75% |
| Short % of Float | 3.15% |
| Short Ratio (days to cover) | 2.45 |
Income Statement
In the last 12 months, FISI had revenue of $243.46 million and earned $81.17 million in profits. Earnings per share was $4.03.
| Revenue | 243.46M |
| Gross Profit | 243.46M |
| Operating Income | 104.25M |
| Pretax Income | 99.67M |
| Net Income | 81.17M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $4.03 |
Balance Sheet
The company has $128.36 million in cash and $320.00 million in debt, with a net cash position of -$191.64 million or -$9.72 per share.
| Cash & Cash Equivalents | 128.36M |
| Total Debt | 320.00M |
| Net Cash | -191.64M |
| Net Cash Per Share | -$9.72 |
| Equity (Book Value) | 643.44M |
| Book Value Per Share | 31.77 |
| Working Capital | -5.40B |
Cash Flow
In the last 12 months, operating cash flow was $60.87 million and capital expenditures -$4.63 million, giving a free cash flow of $56.24 million.
| Operating Cash Flow | 60.87M |
| Capital Expenditures | -4.63M |
| Depreciation & Amortization | n/a |
| Net Borrowing | 46.00M |
| Free Cash Flow | 56.24M |
| FCF Per Share | $2.85 |
Margins
| Gross Margin | n/a |
| Operating Margin | 42.82% |
| Pretax Margin | 40.94% |
| Profit Margin | 33.94% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 23.10% |
Dividends & Yields
This stock pays an annual dividend of $1.28, which amounts to a dividend yield of 3.10%.
| Dividend Per Share | $1.28 |
| Dividend Yield | 3.10% |
| Dividend Growth (YoY) | 3.28% |
| Years of Dividend Growth | 1 |
| Payout Ratio | 31.78% |
| Buyback Yield | -11.78% |
| Shareholder Yield | -8.71% |
| Earnings Yield | 10.05% |
| FCF Yield | 6.96% |
Analyst Forecast
The average price target for FISI is $45.00, which is 8.96% higher than the current price. The consensus rating is "Hold".
| Price Target | $45.00 |
| Price Target Difference | 8.96% |
| Analyst Consensus | Hold |
| Analyst Count | 2 |
| Revenue Growth Forecast (3Y) | n/a |
| EPS Growth Forecast (3Y) | 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 | 3 |