FINANCIAL INSTITUTIONS INC (FISI) Fundamental Analysis & Valuation

NASDAQ:FISI • US3175854047

30.78 USD
-0.51 (-1.63%)
At close: Mar 6, 2026
30.78 USD
0 (0%)
After Hours: 3/6/2026, 8:17:46 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This FISI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

3

Taking everything into account, FISI scores 3 out of 10 in our fundamental rating. FISI was compared to 379 industry peers in the Banks industry. FISI has a bad profitability rating. Also its financial health evaluation is rather negative. FISI has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

2

1. FISI Profitability Analysis

1.1 Basic Checks

  • In the past year FISI was profitable.
  • FISI had a positive operating cash flow in the past year.
  • Of the past 5 years FISI 4 years were profitable.
  • Of the past 5 years FISI 4 years 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M 100M

1.2 Ratios

  • FISI's Return On Assets of -0.46% is on the low side compared to the rest of the industry. FISI is outperformed by 94.20% of its industry peers.
  • FISI's Return On Equity of -4.70% is on the low side compared to the rest of the industry. FISI is outperformed by 93.67% of its industry peers.
Industry RankSector Rank
ROA -0.46%
ROE -4.7%
ROIC N/A
ROA(3y)0.42%
ROA(5y)0.72%
ROE(3y)4.94%
ROE(5y)8.7%
ROIC(3y)N/A
ROIC(5y)N/A
FISI Yearly ROA, ROE, ROICFISI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 -5 10 15

1.3 Margins

  • FISI's Profit Margin has improved in the last couple of years.
  • The Profit Margin and Operating Margin and Gross Margin are not available for FISI so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y5.14%
PM growth 5Y8.15%
GM growth 3YN/A
GM growth 5YN/A
FISI Yearly Profit, Operating, Gross MarginsFISI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. FISI Health Analysis

2.1 Basic Checks

  • FISI does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • FISI has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, FISI has more shares outstanding
  • Compared to 1 year ago, FISI has a worse debt to assets ratio.
FISI Yearly Shares OutstandingFISI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M
FISI Yearly Total Debt VS Total AssetsFISI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

2.2 Solvency

  • The Debt to FCF ratio of FISI is 3.14, which is a good value as it means it would take FISI, 3.14 years of fcf income to pay off all of its debts.
  • FISI has a Debt to FCF ratio of 3.14. This is in the lower half of the industry: FISI underperforms 63.06% of its industry peers.
  • FISI has a Debt/Equity ratio of 0.19. This is a healthy value indicating a solid balance between debt and equity.
  • The Debt to Equity ratio of FISI (0.19) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 3.14
Altman-Z N/A
ROIC/WACCN/A
WACC20.32%
FISI Yearly LT Debt VS Equity VS FCFFISI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M

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 2016 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. FISI Growth Analysis

3.1 Past

  • FISI shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -22.20%.
  • Measured over the past years, FISI shows a quite strong growth in Earnings Per Share. The EPS has been growing by 9.43% on average per year.
  • Looking at the last year, FISI shows a very strong growth in Revenue. The Revenue has grown by 109.52%.
  • Measured over the past years, FISI shows a small growth in Revenue. The Revenue has been growing by 6.10% on average per year.
EPS 1Y (TTM)-22.2%
EPS 3Y0.47%
EPS 5Y9.43%
EPS Q2Q%-53.62%
Revenue 1Y (TTM)109.52%
Revenue growth 3Y4.65%
Revenue growth 5Y6.1%
Sales Q2Q%25.41%

3.2 Future

  • Based on estimates for the next years, FISI will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.27% on average per year.
  • FISI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.47% yearly.
EPS Next Y10.63%
EPS Next 2Y8.27%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.75%
Revenue Next 2Y6.47%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
FISI Yearly Revenue VS EstimatesFISI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M 200M
FISI Yearly EPS VS EstimatesFISI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3 4

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5

4. FISI Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 8.53, the valuation of FISI can be described as very reasonable.
  • Based on the Price/Earnings ratio, FISI is valued cheaply inside the industry as 90.77% of the companies are valued more expensively.
  • The average S&P500 Price/Earnings ratio is at 26.29. FISI is valued rather cheaply when compared to this.
  • FISI is valuated cheaply with a Price/Forward Earnings ratio of 7.71.
  • 90.77% of the companies in the same industry are more expensive than FISI, based on the Price/Forward Earnings ratio.
  • FISI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.57.
Industry RankSector Rank
PE 8.53
Fwd PE 7.71
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 expensively inside the industry as 80.21% of the companies are valued cheaper.
Industry RankSector Rank
P/FCF 29.45
EV/EBITDA N/A
FISI Per share dataFISI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

  • FISI's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.8
PEG (5Y)0.9
EPS Next 2Y8.27%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. FISI Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 7.12%, FISI is a good candidate for dividend investing.
  • FISI's Dividend Yield is rather good when compared to the industry average which is at 2.73. FISI pays more dividend than 81.27% of the companies in the same industry.
  • FISI's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 7.12%

5.2 History

  • The dividend of FISI has a limited annual growth rate of 0.75%.
  • FISI has been paying a dividend for at least 10 years, so it has a reliable track record.
  • FISI has decreased its dividend recently.
Dividend Growth(5Y)0.75%
Div Incr Years0
Div Non Decr Years1
FISI Yearly Dividends per shareFISI Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 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.
  • FISI's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP-84.04%
EPS Next 2Y8.27%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M 100M

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FISI Fundamentals: All Metrics, Ratios and Statistics

FINANCIAL INSTITUTIONS INC

NASDAQ:FISI (3/6/2026, 8:17:46 PM)

After market: 30.78 0 (0%)

30.78

-0.51 (-1.63%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-27
Inst Owners81.17%
Inst Owner Change-2.92%
Ins Owners2.45%
Ins Owner Change0.25%
Market Cap609.44M
Revenue(TTM)244.94M
Net Income(TTM)-29.21M
Analysts80
Price Target37.74 (22.61%)
Short Float %1.88%
Short Ratio2.11
Dividend
Industry RankSector Rank
Dividend Yield 7.12%
Yearly Dividend1.13
Dividend Growth(5Y)0.75%
DP-84.04%
Div Incr Years0
Div Non Decr Years1
Ex-Date03-13
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.66%
Min EPS beat(2)0.77%
Max EPS beat(2)10.55%
EPS beat(4)4
Avg EPS beat(4)49.73%
Min EPS beat(4)0.77%
Max EPS beat(4)179.48%
EPS beat(8)6
Avg EPS beat(8)14.99%
EPS beat(12)8
Avg EPS beat(12)10.53%
EPS beat(16)11
Avg EPS beat(16)9.57%
Revenue beat(2)1
Avg Revenue beat(2)-9.22%
Min Revenue beat(2)-19.54%
Max Revenue beat(2)1.1%
Revenue beat(4)1
Avg Revenue beat(4)-6.49%
Min Revenue beat(4)-19.54%
Max Revenue beat(4)1.1%
Revenue beat(8)1
Avg Revenue beat(8)-5.67%
Revenue beat(12)2
Avg Revenue beat(12)-2.59%
Revenue beat(16)6
Avg Revenue beat(16)5.5%
PT rev (1m)7.25%
PT rev (3m)5.71%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.32%
EPS NY rev (1m)1.93%
EPS NY rev (3m)-0.27%
Revenue NQ rev (1m)-9.61%
Revenue NQ rev (3m)-17.06%
Revenue NY rev (1m)-8.84%
Revenue NY rev (3m)-17.04%
Valuation
Industry RankSector Rank
PE 8.53
Fwd PE 7.71
P/S 4.64
P/FCF 29.45
P/OCF 24.85
P/B 0.98
P/tB 1.09
EV/EBITDA N/A
EPS(TTM)3.61
EY11.73%
EPS(NY)3.99
Fwd EY12.98%
FCF(TTM)1.05
FCFY3.4%
OCF(TTM)1.24
OCFY4.02%
SpS6.64
BVpS31.4
TBVpS28.35
PEG (NY)0.8
PEG (5Y)0.9
Graham Number50.5
Profitability
Industry RankSector Rank
ROA -0.46%
ROE -4.7%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 15.75%
ROA(3y)0.42%
ROA(5y)0.72%
ROE(3y)4.94%
ROE(5y)8.7%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y5.14%
PM growth 5Y8.15%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 3.14
Debt/EBITDA N/A
Cap/Depr 50.05%
Cap/Sales 2.92%
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
WACC20.32%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-22.2%
EPS 3Y0.47%
EPS 5Y9.43%
EPS Q2Q%-53.62%
EPS Next Y10.63%
EPS Next 2Y8.27%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)109.52%
Revenue growth 3Y4.65%
Revenue growth 5Y6.1%
Sales Q2Q%25.41%
Revenue Next Year7.75%
Revenue Next 2Y6.47%
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 1Y679.99%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y969.09%
OCF growth 3YN/A
OCF growth 5YN/A

FINANCIAL INSTITUTIONS INC / FISI FAQ

Can you provide the ChartMill fundamental rating for FINANCIAL INSTITUTIONS INC?

ChartMill assigns a fundamental rating of 3 / 10 to FISI.


What is the valuation status for FISI stock?

ChartMill assigns a valuation rating of 5 / 10 to FINANCIAL INSTITUTIONS INC (FISI). This can be considered as Fairly Valued.


What is the profitability of FISI stock?

FINANCIAL INSTITUTIONS INC (FISI) has a profitability rating of 2 / 10.


What is the valuation of FINANCIAL INSTITUTIONS INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for FINANCIAL INSTITUTIONS INC (FISI) is 8.53 and the Price/Book (PB) ratio is 0.98.


Can you provide the expected EPS growth for FISI stock?

The Earnings per Share (EPS) of FINANCIAL INSTITUTIONS INC (FISI) is expected to grow by 10.63% in the next year.