Financial Institutions, Inc. (FISI)

NASDAQ: FISI · USD

$40.7

-0.06 (-0.1%)· Recorded snapshot

Market cap	802.8M
Revenue (ttm)	243.5M
Net income (ttm)	81.2M
EPS (ttm)	$4.03
Shares out	19.7M
P/E (trailing)	10.1x
P/E (forward)	9.6x
Dividend	$1.28 (3.17%)
Volume	72,753
Beta	0.64

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 243.5M
Net income (ttm): 81.2M
EPS (ttm): $4.03
P/E (trailing): 10.1x
P/E (forward): 9.6x
Market cap: 802.8M

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	شراء قوي
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	شراء قوي
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	احتفاظ

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E9.6

P25 n/aP50 n/aP75 n/a

Trailing P/E10.1

P25 n/aP50 n/aP75 n/a

ROE13.3

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All FISI indicators

Market & fundamental data

Available fields

249

Groups with data

Currency

USD

Showing 249 of 249 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	USD
CIK code	0000862831
Company name	Financial Institutions, Inc.
Country	United States
Country code	US
CUSIP number	317585404
Earnings date	2026-10-29
Earnings time	amc
Employees	631
Employees change	33
Employees growth	5.52%
Enterprise value	$994.5M
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	1817
In index	RUSSELL2000
Industry	Banks - Regional
IPO date	1999-06-25
Is primary listing	Yes
Is SPAC	No
ISIN number	US3175854047
Last 10-K release date	2026-03-09
Last earnings date	2026-07-23
Last refreshed	2026-10-28
Last stock split type	Never
Market cap	$802.8M
Market cap category	Small-Cap
Next earnings date	2026-10-29
Options	Yes
Price	$40.74
Price currency	USD
Sector	Financials
SIC code	6021
Stock price date	2026-10-28
Symbol	FISI
U.S. state	New York
Website	https://www.five-starbank.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Adjusted P/E ratio	10.11x
Average P/E ratio (10Y)	9.53x
Average P/E ratio (3Y)	7.4x
Average P/E ratio (5Y)	6.78x
Earnings yield	9.89%
EV/Earnings	12.16x
EV/FCF	17.55x
EV/Sales	4.05x
FCF / EV yield	5.7%
FCF yield	7.07%
Forward EV/Sales	3.69x
Forward P/E	9.64x
Forward P/S	2.97x
Graham number	53.66471
Graham upside	32.93%
Industry forward P/E	9.95x
Industry P/E	11.8x
Lynch fair value	$20.14
Lynch upside	-50.11%
P/B ratio	1.28x
P/E ratio	10.11x
P/FCF ratio	14.15x
P/OCF ratio	13.07x
P/S ratio	3.27x
Price / tangible book value	1.41x
Sector forward P/E	13.63x
Sector P/E	15.65x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Effective tax rate	17.1%
FCF margin	23.1%
Operating margin	42.82%
Pretax margin	40.94%
Profit margin	33.94%
Profit per employee	$128,634
Profitable quarters	6
Profitable years	1
Revenue per employee	$385,837
ROA	1.32%
ROA (5Y)	0.77%
ROE	13.27%
ROE (5Y)	8.89%
SBC / revenue	1.56%
Tax / revenue	7%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth (Q)	22.35%
EPS growth (QoQ)	0%
EPS growth 10Y	7.42%
EPS growth 3Y	6.89%
EPS growth 5Y	-0.33%
EPS growth quarters	4
EPS growth years	1
FCF growth	99.55%
FCF growth (QoQ)	-5.32%
FCF growth 3Y	-2.67%
FCF growth 5Y	0.06%
Net income growth (Q)	20.83%
Net income growth (QoQ)	0.96%
Net income growth 3Y	16.8%
Net income growth 5Y	4.38%
Net income growth quarters	4
Net income growth years	1
OCF growth	82.01%
OCF growth (QoQ)	-4.34%
OCF growth 10Y	3.4%
OCF growth 3Y	-2.96%
OCF growth 5Y	-1.07%
Revenue growth	137.2%
Revenue growth (Q)	7.05%
Revenue growth (QoQ)	1.29%
Revenue growth 10Y	7.09%
Revenue growth 3Y	7.05%
Revenue growth 5Y	4.97%
Revenue growth quarters	4
Revenue growth years	1

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$-4.6M
EPS	$4.03
FCF per share	$2.85
Financing cash flow	$144.5M
Free cash flow	$56.2M
Gross profit	$243.5M
Income taxes	$17M
Investing cash flow	$-199.2M
Net borrowing	$46M
Net cash flow	$6.1M
Net income	$81.2M
Operating income	$104.3M
Revenue	$243.5M
Stock-based compensation	$3.8M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	$31.77
Debt / equity	0.5
Debt / FCF	5.69
Goodwill	$58.1M
Net cash (debt)	$-191.6M
Net cash / market cap	-24.09%
Net debt / equity	0.3
Net debt / FCF	3.41
Piotroski F-Score	3
Property, plant and equipment	$67.4M
Shareholders' equity	$643.4M
Tangible book value	$566M
Tangible book value per share	$28.72
Total assets	$6.3B
Total cash	$128.4M
Total debt	$320M
Total liabilities	$5.7B
WACC	5.54%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	$-5.4B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	-11.78%
Dividend growth	3.25%
Dividend growth (10Y)	4.73%
Dividend growth (3Y)	2.19%
Dividend growth (5Y)	3.49%
Dividend growth years	1
Dividend payment date	2026-10-02
Dividend payment years	28
Dividend payout frequency	Quarterly
Dividend per share	$1.28
Dividend yield	3.17%
Ex-dividend date	2026-09-15
FCF payout ratio	44.85%
Last dividend	$0.32
Payout ratio	31.78%
Shareholder yield	-8.61%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y price change	50.17%
10Y return CAGR	8.66%
10Y total return	129.4%
150-day SMA	$38.08
15Y price change	137.85%
15Y return CAGR	10.19%
15Y total return	328.53%
1D price change	-0.15%
1M price change	0.75%
1M total return	0.75%
1W price change	1.45%
1W total return	1.45%
1Y price change	37.62%
1Y return CAGR	42.76%
1Y total return	42.73%
20-day SMA	$39.59
200-day SMA	$36.64
20Y price change	78.94%
20Y return CAGR	6.85%
20Y total return	276.44%
3M price change	-1.75%
3M total return	-0.97%
3Y price change	160.64%
3Y return CAGR	44.36%
3Y total return	200.89%
50-day SMA	$40.18
50-day SMA vs 200-day SMA	50over200
52-week high	$42.97
52-week high date	2026-08-03
52-week low	$28.00
52-week low date	2025-10-31
5Y price change	30.03%
5Y return CAGR	10.67%
5Y total return	66.03%
6M price change	17.27%
6M total return	19.2%
All-time high	$42.97
All-time high date	2026-08-03
All-time low	$3.27
All-time low date	2009-02-26
Average true range (ATR)	$0.80
Average volume	96.5K
Beta (1Y)	0.33
Beta (2Y)	0.89
Beta (5Y)	0.64
Change from 52-week high	-5.19%
Change from 52-week low	45.5%
Change from all-time high	-5.68%
Change from all-time low	1,139.45%
Change from open	0.99%
Day's gap	-1.13%
Dollar volume	$3M
High price	$40.74
Low price	$40.34
Monthly RSI	71.77
Open price	$40.34
Position in 52-week range	100%
Premarket change	0.07%
Premarket close	$40.80
Premarket price	$40.83
Premarket volume	2K
Previous close	$40.80
Price vs 150-day SMA	6.45%
Price vs 20-day SMA	2.37%
Price vs 200-day SMA	10.6%
Price vs 50-day SMA	0.88%
Relative volume	0.75
RSI	57.04
Sharpe ratio	1.5
Sharpe ratio (3Y)	1.16
Sharpe ratio (5Y)	0.34
Sortino ratio	2.7
Sortino ratio (3Y)	2.08
Sortino ratio (5Y)	0.71
Volume	72.8K
Weekly RSI	60.78
YTD price change	30.03%
YTD total return	33.58%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	17.3M
Float percentage	87.93%
Shares change (QoQ)	0.1%
Shares change (YoY)	11.78%
Shares held by insiders	2.83%
Shares held by institutions	74.07%
Shares outstanding	19.7M
Short % of float	4.29%
Short % of shares	3.77%
Short ratio	5.8 days

Deeper analysis on FISI

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

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Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this FISI report

Is a complete FISI research report available?

No complete published report is available for Financial Institutions, Inc. (FISI) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

Financial Institutions, Inc. (FISI)

Price

Financial snapshot

Fair-value bridge

Latest news · FISI

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All FISI indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on FISI

Frequently asked questions