NASDAQ : FISI
Financial Institutions, Inc. — Key statistics
Financials · Banks - Regional · United States
Last price 40.88 USD (Oct 29, 2026, 4:00 PM EDT) · Market cap 805.60M
Overview · Financial statements · Key statistics · Dividends · Company profile · Price history · Reports
Key statistics
Valuation
| Measure | Value |
|---|
| Market Cap | 768.54M |
| Enterprise Value | 911.43M |
Dates
| Measure | Value |
|---|
| Earnings Date | Oct 29, 2026 |
| Ex-Dividend Date | Sep 15, 2026 |
Shares
| Measure | Value |
|---|
| Current Share Class | 19.52M |
| Shares Outstanding | 19.52M |
| Shares Change (YoY) | +4.43% |
| Shares Change (QoQ) | -0.20% |
| Owned by Insiders (%) | 2.85% |
| Owned by Institutions (%) | 74.93% |
| Float | 17.14M |
Ratios
| Measure | Value |
|---|
| PE Ratio | 9.77 |
| Forward PE | 9.31 |
| PS Ratio | 3.16 |
| Forward PS | 2.84 |
| PB Ratio | 1.28 |
| P/TBV Ratio | 1.42 |
| P/FCF Ratio | 13.67 |
| P/OCF Ratio | 12.63 |
| PEG Ratio | n/a |
Evratios
| Measure | Value |
|---|
| EV / Earnings | 11.30 |
| EV / Sales | 3.75 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 16.21 |
Financialposition
| Measure | Value |
|---|
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | 0.40 |
| Debt / EBITDA | n/a |
| Debt / FCF | 4.37 |
| Interest Coverage | n/a |
Financialefficiency
| Measure | Value |
|---|
| Return on Equity (ROE) | 13.24% |
| Return on Assets (ROA) | 1.28% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 5.89% |
| Revenue Per Employee | $385,450 |
| Profits Per Employee | $127,865 |
| Employee Count | 631 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
| Measure | Value |
|---|
| Income Tax | 16.34M |
| Effective Tax Rate | 16.59% |
Stockprice
| Measure | Value |
|---|
| Beta (5Y) | 0.64 |
| 52-Week Price Change | +36.13% |
| 50-Day Moving Average | 40.15 |
| 200-Day Moving Average | 36.73 |
| Relative Strength Index (RSI) | 43.81 |
| Average Volume (20 Days) | 104,089 |
Shortselling
| Measure | Value |
|---|
| Short Interest | 742,878 |
| Short Previous Month | 795,503 |
| Short % of Shares Out | 3.81% |
| Short % of Float | 4.33% |
| Short Ratio (days to cover) | 5.64 |
Incomestatement
| Measure | Value |
|---|
| Revenue | 243.22M |
| Gross Profit | 243.22M |
| Operating Income | 102.89M |
| Pretax Income | 98.48M |
| Net Income | 80.68M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $4.03 |
Balancesheet
| Measure | Value |
|---|
| Cash & Cash Equivalents | 102.88M |
| Total Debt | 245.77M |
| Net Cash | -142.89M |
| Net Cash Per Share | -$7.32 |
| Equity (Book Value) | 618.99M |
| Book Value Per Share | 30.82 |
| Working Capital | -5.54B |
Cashflow
| Measure | Value |
|---|
| 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 | $2.88 |
Margins
| Measure | Value |
|---|
| Gross Margin | n/a |
| Operating Margin | 42.30% |
| Pretax Margin | 40.49% |
| Profit Margin | 33.77% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 23.10% |
Dividends
| Measure | Value |
|---|
| Dividend Per Share | $1.28 |
| Dividend Yield | 3.25% |
| Dividend Growth (YoY) | 3.25% |
| Years of Dividend Growth | 1 |
| Payout Ratio | 31.77% |
| FCF Payout Ratio | 44.43% |
| Buyback Yield | -4.43% |
| Shareholder Yield | -1.18% |
| Earnings Yield | 10.23% |
| FCF Yield | 7.32% |
Analystforecasts
| Measure | Value |
|---|
| Price Target | $45.00 |
| Price Target Difference | 14.30% |
| Analyst Consensus | Hold |
| Analyst Count | 2 |
| Revenue Growth Forecast (3Y) | 4.91% |
| EPS Growth Forecast (3Y) | 7.60% |
Stocksplits
| Measure | Value |
|---|
| Last Split Date | n/a |
| Split Type | n/a |
| Split Ratio | n/a |
Scores
| Measure | Value |
|---|
| Altman Z-Score | n/a |
| Piotroski F-Score | 3 |
Fairvalue
| Measure | Value |
|---|
| Lynch Fair Value | |
| Lynch Upside | |
| Graham Number | |
| Graham Upside | |