Financial Institutions, Inc. (FISI)

NASDAQ: FISI · IEX Real-Time Price · USD
+0.09 (0.54%)
Sep 29, 2023, 9:58 AM EDT - Market open

Total Valuation

FISI has a market cap or net worth of $260.44 million. The enterprise value is $577.19 million.

Market Cap 260.44M
Enterprise Value 577.19M

Important Dates

The next estimated earnings date is Thursday, October 26, 2023, after market close.

Earnings Date Oct 26, 2023
Ex-Dividend Date Sep 13, 2023

Share Statistics

FISI has 15.40 million shares outstanding. The number of shares has increased by 0.50% in one year.

Shares Outstanding 15.40M
Shares Change (YoY) +0.50%
Shares Change (QoQ) +0.00%
Owned by Insiders (%) 2.49%
Owned by Institutions (%) 66.91%
Float 14.98M

Valuation Ratios

The trailing PE ratio is 5.08 and the forward PE ratio is 5.29. FISI's PEG ratio is 1.91.

PE Ratio 5.08
Forward PE 5.29
PS Ratio 1.31
Forward PS 1.49
PB Ratio 0.61
P/FCF Ratio 4.25
PEG Ratio 1.91
Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 7.53, with an EV/FCF ratio of 9.46.

EV / Earnings 11.33
EV / Sales 2.91
EV / EBITDA 7.53
EV / EBIT 8.92
EV / FCF 9.46

Financial Position

Current Ratio n/a
Quick Ratio n/a
Debt / Equity 1.17
Debt / EBITDA 6.50
Debt / FCF 8.17
Interest Coverage n/a

Financial Efficiency

Return on equity (ROE) is 12.40% and return on invested capital (ROIC) is 1.10%.

Return on Equity (ROE) 12.40%
Return on Assets (ROA) 0.90%
Return on Capital (ROIC) 1.10%
Revenue Per Employee $295,350
Profits Per Employee $75,813
Employee Count 672
Asset Turnover 0.03
Inventory Turnover n/a


In the past 12 months, FISI has paid $12.29 million in taxes.

Income Tax 12.29M
Effective Tax Rate 19.43%

Stock Price Statistics

The stock price has decreased by -30.90% in the last 52 weeks. The beta is 0.91, so FISI's price volatility has been similar to the market average.

Beta (1Y) 0.91
52-Week Price Change -30.90%
50-Day Moving Average 17.89
200-Day Moving Average 19.65
Relative Strength Index (RSI) 42.21
Average Volume (30 Days) 44,925

Short Selling Information

The latest short interest is 88,873, so 0.58% of the outstanding shares have been sold short.

Short Interest 88,873
Short Previous Month 85,853
Short % of Shares Out 0.58%
Short % of Float 0.59%
Short Ratio (days to cover) 2.23

Income Statement

In the last 12 months, FISI had revenue of $198.48 million and earned $50.95 million in profits. Earnings per share was $3.31.

Revenue 198.48M
Gross Profit 198.48M
Operating Income 64.69M
Pretax Income 64.69M
Net Income 50.95M
EBIT 64.69M
Earnings Per Share (EPS) $3.31
Full Income Statement

Balance Sheet

The company has $180.25 million in cash and $498.38 million in debt, giving a net cash position of -$318.13 million or -$20.66 per share.

Cash & Cash Equivalents 180.25M
Total Debt 498.38M
Net Cash -318.13M
Net Cash Per Share -$20.66
Equity / Book Value 425.87M
Book Value Per Share 27.65
Working Capital n/a
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $66.60 million and capital expenditures -$5.60 million, giving a free cash flow of $61.00 million.

Operating Cash Flow 66.60M
Capital Expenditures -5.60M
Free Cash Flow 61.00M
FCF Per Share $3.97
Full Cash Flow Statement


Gross margin is 100.00%, with operating and profit margins of 32.59% and 25.67%.

Gross Margin 100.00%
Operating Margin 32.59%
Pretax Margin 32.59%
Profit Margin 25.67%
EBITDA Margin 38.65%
EBIT Margin 32.59%
FCF Margin 30.74%

Dividends & Yields

This stock pays an annual dividend of $1.20, which amounts to a dividend yield of 7.10%.

Dividend Per Share $1.20
Dividend Yield 7.10%
Earnings Yield 19.67%
FCF Yield 23.55%
Dividend Growth (YoY) 4.39%
Payout Ratio 36.25%
Buyback Yield -0.50%
Shareholder Yield 6.63%
Dividend Details

Analyst Forecast

The average price target for FISI is $26.00, which is 53.76% higher than the current price. The consensus rating is "Hold".

Price Target $26.00
Price Target Difference 53.76%
Analyst Consensus Hold
Analyst Count 3
Revenue Growth Forecast (5Y) n/a
EPS Growth Forecast (5Y) n/a
Stock Forecasts

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