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FINANCIAL INSTITUTIONS INC (FISI) Stock Fundamental Analysis

NASDAQ:FISI - Nasdaq - US3175854047 - Common Stock - Currency: USD

25.58  -0.31 (-1.2%)

After market: 25.58 0 (0%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to FISI. FISI was compared to 396 industry peers in the Banks industry. Both the profitability and financial health of FISI have multiple concerns. FISI is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year FISI was profitable.
In the past year FISI had a positive cash flow from operations.
Of the past 5 years FISI 4 years were profitable.
Each year in the past 5 years FISI had a positive operating cash flow.
FISI Yearly Net Income VS EBIT VS OCF VS FCFFISI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M 100M

1.2 Ratios

FISI's Return On Assets of -0.45% is on the low side compared to the rest of the industry. FISI is outperformed by 94.44% of its industry peers.
With a Return On Equity value of -4.80%, FISI is not doing good in the industry: 95.45% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA -0.45%
ROE -4.8%
ROIC N/A
ROA(3y)0.35%
ROA(5y)0.63%
ROE(3y)5.58%
ROE(5y)7.94%
ROIC(3y)N/A
ROIC(5y)N/A
FISI Yearly ROA, ROE, ROICFISI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10 15

1.3 Margins

FISI does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
FISI Yearly Profit, Operating, Gross MarginsFISI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20

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3

2. Health

2.1 Basic Checks

FISI does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, FISI has more shares outstanding
FISI has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, FISI has an improved debt to assets ratio.
FISI Yearly Shares OutstandingFISI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M
FISI Yearly Total Debt VS Total AssetsFISI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

2.2 Solvency

The Debt to FCF ratio of FISI is 1.07, which is an excellent value as it means it would take FISI, only 1.07 years of fcf income to pay off all of its debts.
FISI has a better Debt to FCF ratio (1.07) than 71.21% of its industry peers.
FISI has a Debt/Equity ratio of 0.22. This is a healthy value indicating a solid balance between debt and equity.
FISI has a Debt to Equity ratio (0.22) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.22
Debt/FCF 1.07
Altman-Z N/A
ROIC/WACCN/A
WACC22.11%
FISI Yearly LT Debt VS Equity VS FCFFISI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FISI Yearly Current Assets VS Current LiabilitesFISI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

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4

3. Growth

3.1 Past

FISI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 94.89%, which is quite impressive.
Measured over the past years, FISI shows a quite strong growth in Earnings Per Share. The EPS has been growing by 9.41% on average per year.
Looking at the last year, FISI shows a very negative growth in Revenue. The Revenue has decreased by -41.96% in the last year.
FISI shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -7.25% yearly.
EPS 1Y (TTM)94.89%
EPS 3Y-0.99%
EPS 5Y9.41%
EPS Q2Q%636.36%
Revenue 1Y (TTM)-41.96%
Revenue growth 3Y-16.61%
Revenue growth 5Y-7.25%
Sales Q2Q%16.92%

3.2 Future

Based on estimates for the next years, FISI will show a decrease in Earnings Per Share. The EPS will decrease by -8.60% on average per year.
Based on estimates for the next years, FISI will show a quite strong growth in Revenue. The Revenue will grow by 19.08% on average per year.
EPS Next Y-26.14%
EPS Next 2Y-8.6%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year32.93%
Revenue Next 2Y19.08%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
FISI Yearly Revenue VS EstimatesFISI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M 150M 200M
FISI Yearly EPS VS EstimatesFISI Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4

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6

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 4.79 indicates a rather cheap valuation of FISI.
95.96% of the companies in the same industry are more expensive than FISI, based on the Price/Earnings ratio.
FISI is valuated cheaply when we compare the Price/Earnings ratio to 26.03, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 6.60, which indicates a rather cheap valuation of FISI.
Compared to the rest of the industry, the Price/Forward Earnings ratio of FISI indicates a rather cheap valuation: FISI is cheaper than 91.41% of the companies listed in the same industry.
FISI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.94.
Industry RankSector Rank
PE 4.79
Fwd PE 6.6
FISI Price Earnings VS Forward Price EarningsFISI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, FISI is valued cheaper than 82.58% of the companies in the same industry.
Industry RankSector Rank
P/FCF 7.33
EV/EBITDA N/A
FISI Per share dataFISI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

A cheap valuation may be justified as FISI's earnings are expected to decrease with -8.60% in the coming years.
PEG (NY)N/A
PEG (5Y)0.51
EPS Next 2Y-8.6%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.56%, FISI is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.34, FISI pays a better dividend. On top of this FISI pays more dividend than 84.34% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.36, FISI pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.56%

5.2 History

The dividend of FISI has a limited annual growth rate of 0.75%.
FISI has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)0.75%
Div Incr Years0
Div Non Decr Years0
FISI Yearly Dividends per shareFISI Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1

5.3 Sustainability

The earnings of FISI are negative and hence is the payout ratio. FISI will probably not be able to sustain this dividend level.
DP-75.54%
EPS Next 2Y-8.6%
EPS Next 3YN/A
FISI Yearly Income VS Free CF VS DividendFISI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M 100M

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FINANCIAL INSTITUTIONS INC

NASDAQ:FISI (5/22/2025, 4:30:00 PM)

After market: 25.58 0 (0%)

25.58

-0.31 (-1.2%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-28 2025-04-28/amc
Earnings (Next)07-23 2025-07-23/amc
Inst Owners81.08%
Inst Owner Change-41.26%
Ins Owners2.38%
Ins Owner Change3.4%
Market Cap514.41M
Analysts82.5
Price Target33.66 (31.59%)
Short Float %1.34%
Short Ratio1.3
Dividend
Industry RankSector Rank
Dividend Yield 4.56%
Yearly Dividend1.13
Dividend Growth(5Y)0.75%
DP-75.54%
Div Incr Years0
Div Non Decr Years0
Ex-Date03-14 2025-03-14 (0.31)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)93.81%
Min EPS beat(2)8.14%
Max EPS beat(2)179.48%
EPS beat(4)3
Avg EPS beat(4)43.75%
Min EPS beat(4)-20.98%
Max EPS beat(4)179.48%
EPS beat(8)6
Avg EPS beat(8)16.42%
EPS beat(12)7
Avg EPS beat(12)9.55%
EPS beat(16)11
Avg EPS beat(16)12.45%
Revenue beat(2)0
Avg Revenue beat(2)-3.77%
Min Revenue beat(2)-3.9%
Max Revenue beat(2)-3.63%
Revenue beat(4)0
Avg Revenue beat(4)-5.85%
Min Revenue beat(4)-10.42%
Max Revenue beat(4)-3.63%
Revenue beat(8)0
Avg Revenue beat(8)-3.9%
Revenue beat(12)3
Avg Revenue beat(12)3.74%
Revenue beat(16)7
Avg Revenue beat(16)10.45%
PT rev (1m)1.02%
PT rev (3m)4.21%
EPS NQ rev (1m)1.37%
EPS NQ rev (3m)0.94%
EPS NY rev (1m)2.34%
EPS NY rev (3m)1.51%
Revenue NQ rev (1m)9.92%
Revenue NQ rev (3m)9.74%
Revenue NY rev (1m)9.02%
Revenue NY rev (3m)9.56%
Valuation
Industry RankSector Rank
PE 4.79
Fwd PE 6.6
P/S 4.18
P/FCF 7.33
P/OCF 6.87
P/B 0.87
P/tB 0.97
EV/EBITDA N/A
EPS(TTM)5.34
EY20.88%
EPS(NY)3.88
Fwd EY15.15%
FCF(TTM)3.49
FCFY13.65%
OCF(TTM)3.72
OCFY14.55%
SpS6.12
BVpS29.34
TBVpS26.32
PEG (NY)N/A
PEG (5Y)0.51
Profitability
Industry RankSector Rank
ROA -0.45%
ROE -4.8%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 57.02%
ROA(3y)0.35%
ROA(5y)0.63%
ROE(3y)5.58%
ROE(5y)7.94%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.22
Debt/FCF 1.07
Debt/EBITDA N/A
Cap/Depr 61.07%
Cap/Sales 3.75%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC22.11%
ROIC/WACCN/A
Cap/Depr(3y)68.5%
Cap/Depr(5y)75.48%
Cap/Sales(3y)3.19%
Cap/Sales(5y)3.32%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)94.89%
EPS 3Y-0.99%
EPS 5Y9.41%
EPS Q2Q%636.36%
EPS Next Y-26.14%
EPS Next 2Y-8.6%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-41.96%
Revenue growth 3Y-16.61%
Revenue growth 5Y-7.25%
Sales Q2Q%16.92%
Revenue Next Year32.93%
Revenue Next 2Y19.08%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-20.2%
FCF growth 3Y4.3%
FCF growth 5Y5.93%
OCF growth 1Y-22.04%
OCF growth 3Y1.85%
OCF growth 5Y5.98%