Financial Institutions, Inc. (FISI)

Financial Institutions Statistics

Total Valuation

FISI has a market cap or net worth of $680.35 million. The enterprise value is $787.52 million.

Market Cap	680.35M
Enterprise Value	787.52M

Important Dates

The last earnings date was Thursday, April 23, 2026, after market close.

Earnings Date	Apr 23, 2026
Ex-Dividend Date	Mar 13, 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 (%)	2.74%
Owned by Institutions (%)	73.28%
Float	17.34M

Valuation Ratios

The trailing PE ratio is 9.00 and the forward PE ratio is 8.53.

PE Ratio	9.00
Forward PE	8.53
PS Ratio	2.84
Forward PS	3.04
PB Ratio	1.11
P/TBV Ratio	1.23
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	10.16
EV / Sales	3.29
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 12.93%.

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)	6.11%
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 +44.85% in the last 52 weeks. The beta is 0.65, so FISI's price volatility has been lower than the market average.

Beta (5Y)	0.65
52-Week Price Change	+44.85%
50-Day Moving Average	32.45
200-Day Moving Average	29.88
Relative Strength Index (RSI)	62.23
Average Volume (20 Days)	113,786

Short Selling Information

The latest short interest is 553,536, so 2.81% of the outstanding shares have been sold short.

Short Interest	553,536
Short Previous Month	563,041
Short % of Shares Out	2.81%
Short % of Float	3.19%
Short Ratio (days to cover)	4.28

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 $85.45 million in cash and $192.62 million in debt, with a net cash position of -$107.17 million or -$5.44 per share.

Cash & Cash Equivalents	85.45M
Total Debt	192.62M
Net Cash	-107.17M
Net Cash Per Share	-$5.44
Equity (Book Value)	631.67M
Book Value Per Share	31.21
Working Capital	-5.37B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Depreciation & Amortization	n/a
Net Borrowing	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

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	n/a

Dividends & Yields

This stock pays an annual dividend of $1.28, which amounts to a dividend yield of 3.70%.

Dividend Per Share	$1.28
Dividend Yield	3.70%
Dividend Growth (YoY)	3.31%
Years of Dividend Growth	1
Payout Ratio	32.57%
Buyback Yield	-20.04%
Shareholder Yield	-16.24%
Earnings Yield	11.39%
FCF Yield	n/a

Analyst Forecast

The average price target for FISI is $37.00, which is 7.06% higher than the current price. The consensus rating is "Buy".

Price Target	$37.00
Price Target Difference	7.06%
Analyst Consensus	Buy
Analyst Count	2
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