Financial Institutions Inc.

FISI | NASDAQ

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$40.33

-$0.31 (-0.76%)

At close: Sep 21, 2026, 4:00 PM ET

$40.33

$0 (0.00%)

Pre-market: Sep 22, 2026, 7:46 AM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $793.95M

Enterprise Value $-155.84M

Beta 0.64

Average Volume 150.78K

Shares Outstanding (Diluted) 19.92M

Shares Change YoY -1.79%

Institutional Ownership 80.74%

Exchange NASDAQ

ISIN US3175854047

Price Performance

Price Change 1M -2.1%

Price Change 3M 5.0%

Price Change 6M 29.1%

Price Change YTD 30.8%

Price Change 1Y 51.0%

Price Change 3Y 137.9%

Price Change 5Y 33.4%

1M CAGR (ann.) -2.4%

1Y CAGR (ann.) 52.4%

5Y CAGR (ann.) 12.0%

All-Time CAGR 6.8%

Valuation

PE Ratio 20.68

Forward PE 9.09

PEG Ratio 0.03

Forward PEG 3.76

PS Ratio 2.52

Forward PS 2.90

PB Ratio 0.65

P/FCF Ratio 29.29

P/Adj. FCF Ratio 33.60

P/OCF Ratio 13.01

EV/Sales -0.49

EV/EBIT -3.17

EV/EBITDA -3.02

EV/FCF -5.75

Earnings Yield 4.8%

FCF Yield 3.4%

Adj. FCF Yield 3.0%

Financial Health

Net Cash $949.79M

Total Debt $116.78M

Cash & Short-Term Investments $1.07B

Total Assets $5.76B

Current Ratio 0.47

Quick Ratio 0.47

Debt / Equity Ratio 0.45

Debt / EBITDA 2.26

Debt / FCF 4.31

OCF / Debt 0.28

Interest Coverage 0.40

Altman Z-Score 0.17

Piotroski F-Score 8

Margins & Profitability

Gross Profit Margin 57.9%

Operating Profit Margin 15.6%

EBITDA Margin 16.4%

Net Profit Margin 26.2%

FCF Margin 8.6%

Adj. FCF Margin 7.5%

SBC / Revenue 1.2%

SBC Impact (per share) -12.8%

Returns

Return on Assets 1.3%

Return on Equity 13.1%

Return on Invested Capital 0.6%

Return on Capital Employed 0.8%

Return on Tangible Assets 1.3%

Historical Growth (CAGR)

Revenue CAGR 3Y 3.0%

Revenue CAGR 5Y 8.8%

Revenue CAGR 10Y 8.2%

EPS CAGR 3Y -16.2%

EPS CAGR 5Y -13.8%

EPS CAGR 10Y -0.1%

FCF CAGR 3Y -32.5%

FCF CAGR 5Y -13.5%

FCF CAGR 10Y -2.0%

Analyst Forecasts

Analyst Rating Hold

Analyst Count 6

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Oct 21, 2026

EPS Estimate (next Q) $1.05

EPS Growth Est (next Q) 6.1%

Revenue Est (next Q) $66.55M

Revenue Growth Est (next Q) 4.6%

Fair Value Estimates

Graham Number $37.91

Graham Upside -6.0%

Lynch Fair Value $9.75

Lynch Upside -75.8%

Price Target $45

Price Target Upside 11.6%

Cash Flow

Operating Cash Flow $32.49M

Free Cash Flow $27.1M

Adj. Free Cash Flow $23.63M

FCF Per Share $2.86

OCF Per Share $3.10

OCF/S Ratio 19.3%

Income Statement

Revenue $315.61M

Gross Profit $182.88M

Operating Income $49.24M

EBITDA $51.59M

Net Income $82.63M

EPS (Diluted) $1.95

Revenue / Employee $500.17K

Profit / Employee $130.94K

Employees 631

Dividends

Annual Dividend $1.27

Dividend Yield 3.15%

Payout Ratio 65.1%

FCF Payout Ratio 97.4%

Adj. FCF Payout Ratio 111.7%

Dividend Growth (YoY) 3.3%

Pay Frequency Quarterly

Ex-Dividend Date Sep 14, 2026