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FINANCIAL INSTITUTIONS INC (FISI) Stock Fundamental Analysis

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

26.8  -0.79 (-2.86%)

After market: 26.8 0 (0%)

Fundamental Rating

4

FISI gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 394 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

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2

1. Profitability

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.
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 has a worse Return On Assets (-0.45%) than 94.16% of its industry peers.
Looking at the Return On Equity, with a value of -4.80%, FISI is doing worse than 94.92% of the companies in the same industry.
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

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 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.
The number of shares outstanding for FISI has been increased compared to 1 year ago.
The number of shares outstanding for FISI has been increased compared to 5 years ago.
FISI has a better debt/assets ratio than last year.
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

FISI has a debt to FCF ratio of 1.07. This is a very positive value and a sign of high solvency as it would only need 1.07 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.07, FISI is in the better half of the industry, outperforming 71.57% of the companies in the same industry.
FISI has a Debt/Equity ratio of 0.22. This is a healthy value indicating a solid balance between debt and equity.
FISI's Debt to Equity ratio of 0.22 is on the low side compared to the rest of the industry. FISI is outperformed by 61.93% of its industry peers.
Although FISI does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
Industry RankSector Rank
Debt/Equity 0.22
Debt/FCF 1.07
Altman-Z N/A
ROIC/WACCN/A
WACC21.68%
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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5

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.
The Earnings Per Share has been growing by 9.41% on average over the past years. This is quite good.
Looking at the last year, FISI shows a very negative growth in Revenue. The Revenue has decreased by -41.96% in the last year.
Measured over the past years, FISI shows a decrease in Revenue. The Revenue has been decreasing by -7.25% on average per year.
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 -8.00% on average per year.
Based on estimates for the next years, FISI will show a very strong growth in Revenue. The Revenue will grow by 24.66% on average per year.
EPS Next Y-24.16%
EPS Next 2Y-8%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year46.79%
Revenue Next 2Y24.66%
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 decreasing.
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 250M
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

Based on the Price/Earnings ratio of 5.02, the valuation of FISI can be described as very cheap.
Based on the Price/Earnings ratio, FISI is valued cheaply inside the industry as 96.45% of the companies are valued more expensively.
FISI is valuated cheaply when we compare the Price/Earnings ratio to 27.18, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 6.82, which indicates a rather cheap valuation of FISI.
FISI's Price/Forward Earnings ratio is rather cheap when compared to the industry. FISI is cheaper than 91.37% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 35.34, FISI is valued rather cheaply.
Industry RankSector Rank
PE 5.02
Fwd PE 6.82
FISI Price Earnings VS Forward Price EarningsFISI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, FISI is valued cheaply inside the industry as 82.99% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 7.67
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

FISI's earnings are expected to decrease with -8.00% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.53
EPS Next 2Y-8%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.55%, FISI is a good candidate for dividend investing.
FISI's Dividend Yield is rather good when compared to the industry average which is at 3.30. FISI pays more dividend than 84.26% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.34, FISI pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.55%

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.
The dividend of FISI decreased 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 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%
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 (7/15/2025, 8:00:00 PM)

After market: 26.8 0 (0%)

26.8

-0.79 (-2.86%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-28 2025-04-28/amc
Earnings (Next)07-24 2025-07-24/amc
Inst Owners85.01%
Inst Owner Change0%
Ins Owners2.32%
Ins Owner Change2.49%
Market Cap538.95M
Analysts82.5
Price Target33.66 (25.6%)
Short Float %2.74%
Short Ratio4.17
Dividend
Industry RankSector Rank
Dividend Yield 4.55%
Yearly Dividend1.13
Dividend Growth(5Y)0.75%
DP-75.54%
Div Incr Years0
Div Non Decr Years1
Ex-Date06-13 2025-06-13 (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)0%
PT rev (3m)1.02%
EPS NQ rev (1m)2.92%
EPS NQ rev (3m)4.33%
EPS NY rev (1m)2.68%
EPS NY rev (3m)4.23%
Revenue NQ rev (1m)10.65%
Revenue NQ rev (3m)21.62%
Revenue NY rev (1m)10.43%
Revenue NY rev (3m)20.39%
Valuation
Industry RankSector Rank
PE 5.02
Fwd PE 6.82
P/S 4.38
P/FCF 7.67
P/OCF 7.2
P/B 0.91
P/tB 1.02
EV/EBITDA N/A
EPS(TTM)5.34
EY19.93%
EPS(NY)3.93
Fwd EY14.65%
FCF(TTM)3.49
FCFY13.03%
OCF(TTM)3.72
OCFY13.89%
SpS6.12
BVpS29.34
TBVpS26.32
PEG (NY)N/A
PEG (5Y)0.53
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
WACC21.68%
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-24.16%
EPS Next 2Y-8%
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 Year46.79%
Revenue Next 2Y24.66%
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%