Financial Institutions Statistics
Total Valuation
FISI has a market cap or net worth of $733.71 million. The enterprise value is $870.82 million.
| Market Cap | 733.71M |
| Enterprise Value | 870.82M |
Important Dates
The next estimated earnings date is Thursday, July 23, 2026, after market close.
| Earnings Date | Jul 23, 2026 |
| Ex-Dividend Date | Jun 12, 2026 |
Share Statistics
FISI has 19.69 million shares outstanding. The number of shares has increased by 20.04% in one year.
| Current Share Class | 19.69M |
| Shares Outstanding | 19.69M |
| Shares Change (YoY) | +20.04% |
| Shares Change (QoQ) | -2.09% |
| Owned by Insiders (%) | 2.82% |
| Owned by Institutions (%) | 72.36% |
| Float | 17.31M |
Valuation Ratios
The trailing PE ratio is 9.71 and the forward PE ratio is 9.38.
| PE Ratio | 9.71 |
| Forward PE | 9.38 |
| PS Ratio | 3.06 |
| Forward PS | 2.80 |
| PB Ratio | 1.19 |
| P/TBV Ratio | 1.32 |
| P/FCF Ratio | 27.07 |
| P/OCF Ratio | 22.59 |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | 11.23 |
| EV / Sales | 3.64 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 32.13 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 9.24 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 12.93%.
| Return on Equity (ROE) | 12.93% |
| Return on Assets (ROA) | 1.25% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 5.91% |
| Revenue Per Employee | $379,450 |
| Profits Per Employee | $122,848 |
| Employee Count | 631 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, FISI has paid $16.59 million in taxes.
| Income Tax | 16.59M |
| Effective Tax Rate | 17.36% |
Stock Price Statistics
The stock price has increased by +44.77% in the last 52 weeks. The beta is 0.67, so FISI's price volatility has been lower than the market average.
| Beta (5Y) | 0.67 |
| 52-Week Price Change | +44.77% |
| 50-Day Moving Average | 34.52 |
| 200-Day Moving Average | 31.21 |
| Relative Strength Index (RSI) | 65.06 |
| Average Volume (20 Days) | 99,931 |
Short Selling Information
The latest short interest is 571,278, so 2.90% of the outstanding shares have been sold short.
| Short Interest | 571,278 |
| Short Previous Month | 568,160 |
| Short % of Shares Out | 2.90% |
| Short % of Float | 3.30% |
| Short Ratio (days to cover) | 6.07 |
Income Statement
In the last 12 months, FISI had revenue of $239.43 million and earned $77.52 million in profits. Earnings per share was $3.84.
| Revenue | 239.43M |
| Gross Profit | 239.43M |
| Operating Income | 100.56M |
| Pretax Income | 95.56M |
| Net Income | 77.52M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $3.84 |
Balance Sheet
The company has $113.20 million in cash and $250.31 million in debt, with a net cash position of -$137.11 million or -$6.96 per share.
| Cash & Cash Equivalents | 113.20M |
| Total Debt | 250.31M |
| Net Cash | -137.11M |
| Net Cash Per Share | -$6.96 |
| Equity (Book Value) | 631.67M |
| Book Value Per Share | 31.21 |
| Working Capital | -5.38B |
Cash Flow
In the last 12 months, operating cash flow was $32.49 million and capital expenditures -$5.38 million, giving a free cash flow of $27.10 million.
| Operating Cash Flow | 32.49M |
| Capital Expenditures | -5.38M |
| Depreciation & Amortization | n/a |
| Net Borrowing | 14.00M |
| Free Cash Flow | 27.10M |
| FCF Per Share | $1.38 |
Margins
| Gross Margin | n/a |
| Operating Margin | 42.00% |
| Pretax Margin | 39.91% |
| Profit Margin | 32.98% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 11.32% |
Dividends & Yields
This stock pays an annual dividend of $1.28, which amounts to a dividend yield of 3.43%.
| Dividend Per Share | $1.28 |
| Dividend Yield | 3.43% |
| Dividend Growth (YoY) | 3.28% |
| Years of Dividend Growth | 1 |
| Payout Ratio | 32.83% |
| Buyback Yield | -20.04% |
| Shareholder Yield | -16.61% |
| Earnings Yield | 10.57% |
| FCF Yield | 3.69% |
Analyst Forecast
The average price target for FISI is $38.50, which is 3.08% higher than the current price. The consensus rating is "Hold".
| Price Target | $38.50 |
| Price Target Difference | 3.08% |
| 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 |