FINANCIAL INSTITUTIONS INC (FISI) Fundamental Analysis & Valuation

NASDAQ:FISI • US3175854047

Current stock price

33.71 USD
-0.44 (-1.29%)
At close:
33.71 USD
0 (0%)
After Hours:

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

4

1. FISI Profitability Analysis

1.1 Basic Checks

  • In the past year FISI was profitable.
  • In the past year FISI had a positive cash flow from operations.
  • FISI had positive earnings in 4 of the past 5 years.
  • In the past 5 years FISI always reported a positive cash flow from operatings.
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 has a better Return On Assets (1.17%) than 71.01% of its industry peers.
  • FISI has a Return On Equity of 11.67%. This is in the better half of the industry: FISI outperforms 76.86% of its industry peers.
Industry RankSector Rank
ROA 1.17%
ROE 11.67%
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 of 29.97% is fine compared to the rest of the industry. FISI outperforms 74.47% of its industry peers.
  • FISI's Profit Margin has improved in the last couple of years.
  • FISI does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 29.97%
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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1

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.
  • The number of shares outstanding for FISI has been increased compared to 5 years ago.
  • FISI has a worse debt/assets ratio than last year.
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 10.84, which is on the high side as it means it would take FISI, 10.84 years of fcf income to pay off all of its debts.
  • With a Debt to FCF ratio value of 10.84, FISI is not doing good in the industry: 80.59% of the companies in the same industry are doing better.
  • A Debt/Equity ratio of 0.40 indicates that FISI is not too dependend on debt financing.
  • FISI has a Debt to Equity ratio of 0.40. This is in the lower half of the industry: FISI underperforms 73.40% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.4
Debt/FCF 10.84
Altman-Z N/A
ROIC/WACCN/A
WACC17.78%
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

  • The earnings per share for FISI have decreased strongly by -28.09% in the last year.
  • 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.
  • FISI shows a strong growth in Revenue. In the last year, the Revenue has grown by 109.52%.
  • The Revenue has been growing slightly by 6.10% on average over the past years.
EPS 1Y (TTM)-28.09%
EPS 3Y0.47%
EPS 5Y9.43%
EPS Q2Q%28.4%
Revenue 1Y (TTM)109.52%
Revenue growth 3Y4.65%
Revenue growth 5Y6.1%
Sales Q2Q%33.73%

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.
  • Based on estimates for the next years, FISI will show a small growth in Revenue. The Revenue will grow by 6.47% on average per year.
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

  • The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
  • The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
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

  • A Price/Earnings ratio of 8.78 indicates a reasonable valuation of FISI.
  • Based on the Price/Earnings ratio, FISI is valued cheaper than 88.30% of the companies in the same industry.
  • FISI's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.42.
  • A Price/Forward Earnings ratio of 7.97 indicates a rather cheap valuation of FISI.
  • Based on the Price/Forward Earnings ratio, FISI is valued cheaper than 88.03% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of FISI to the average of the S&P500 Index (22.24), we can say FISI is valued rather cheaply.
Industry RankSector Rank
PE 8.78
Fwd PE 7.97
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 more expensive than 84.84% of the companies in the same industry.
Industry RankSector Rank
P/FCF 50.05
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)0.83
PEG (5Y)0.93
EPS Next 2Y8.27%
EPS Next 3YN/A

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

7

5. FISI Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 3.75%, FISI has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.56, FISI pays a better dividend. On top of this FISI pays more dividend than 82.98% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.81, FISI pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.75%

5.2 History

  • The dividend of FISI has a limited annual growth rate of 3.14%.
  • FISI has paid a dividend for at least 10 years, which is a reliable track record.
  • FISI has decreased its dividend in the last 3 years.
Dividend Growth(5Y)3.14%
Div Incr Years1
Div Non Decr Years2
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

  • FISI pays out 35.66% of its income as dividend. This is a sustainable payout ratio.
  • FISI's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP35.66%
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
FISI Dividend Payout.FISI Dividend Payout, showing the Payout Ratio.FISI Dividend Payout.PayoutRetained Earnings

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FISI Fundamentals: All Metrics, Ratios and Statistics

FINANCIAL INSTITUTIONS INC

NASDAQ:FISI (4/24/2026, 8:00:01 PM)

After market: 33.71 0 (0%)

33.71

-0.44 (-1.29%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-23
Earnings (Next)07-22
Inst Owners82.08%
Inst Owner Change0.89%
Ins Owners2.52%
Ins Owner Change1.94%
Market Cap663.41M
Revenue(TTM)244.94M
Net Income(TTM)73.41M
Analysts80
Price Target37.74 (11.95%)
Short Float %2.95%
Short Ratio3.37
Dividend
Industry RankSector Rank
Dividend Yield 3.75%
Yearly Dividend1.31
Dividend Growth(5Y)3.14%
DP35.66%
Div Incr Years1
Div Non Decr Years2
Ex-Date03-13
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)5.02%
Min EPS beat(2)-0.51%
Max EPS beat(2)10.55%
EPS beat(4)3
Avg EPS beat(4)4.74%
Min EPS beat(4)-0.51%
Max EPS beat(4)10.55%
EPS beat(8)5
Avg EPS beat(8)13.02%
EPS beat(12)8
Avg EPS beat(12)11.19%
EPS beat(16)10
Avg EPS beat(16)8.38%
Revenue beat(2)1
Avg Revenue beat(2)-0.49%
Min Revenue beat(2)-2.08%
Max Revenue beat(2)1.1%
Revenue beat(4)1
Avg Revenue beat(4)-6.11%
Min Revenue beat(4)-19.54%
Max Revenue beat(4)1.1%
Revenue beat(8)1
Avg Revenue beat(8)-5.56%
Revenue beat(12)1
Avg Revenue beat(12)-4.66%
Revenue beat(16)5
Avg Revenue beat(16)3.54%
PT rev (1m)0%
PT rev (3m)7.25%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.22%
EPS NY rev (1m)0%
EPS NY rev (3m)1.36%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-8.9%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-8.84%
Valuation
Industry RankSector Rank
PE 8.78
Fwd PE 7.97
P/S 2.71
P/FCF 50.05
P/OCF 35.28
P/B 1.05
P/tB 1.17
EV/EBITDA N/A
EPS(TTM)3.84
EY11.39%
EPS(NY)4.23
Fwd EY12.55%
FCF(TTM)0.67
FCFY2%
OCF(TTM)0.96
OCFY2.83%
SpS12.45
BVpS31.95
TBVpS28.89
PEG (NY)0.83
PEG (5Y)0.93
Graham Number52.5435 (55.87%)
Profitability
Industry RankSector Rank
ROA 1.17%
ROE 11.67%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 29.97%
GM N/A
FCFM 5.41%
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-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.4
Debt/FCF 10.84
Debt/EBITDA N/A
Cap/Depr 70.39%
Cap/Sales 2.27%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 18.06%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC17.78%
ROIC/WACCN/A
Cap/Depr(3y)57.39%
Cap/Depr(5y)78.68%
Cap/Sales(3y)2.64%
Cap/Sales(5y)3.3%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-28.09%
EPS 3Y0.47%
EPS 5Y9.43%
EPS Q2Q%28.4%
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%33.73%
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 1Y-81.63%
FCF growth 3Y-52.69%
FCF growth 5Y-19.5%
OCF growth 1Y-75.62%
OCF growth 3Y-47.98%
OCF growth 5Y-15.44%

FINANCIAL INSTITUTIONS INC / FISI Fundamental Analysis FAQ

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

ChartMill assigns a fundamental rating of 4 / 10 to FISI.


Can you provide the valuation status for FINANCIAL INSTITUTIONS INC?

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


How profitable is FINANCIAL INSTITUTIONS INC (FISI) stock?

FINANCIAL INSTITUTIONS INC (FISI) has a profitability rating of 4 / 10.


Can you provide the PE and PB ratios for FISI stock?

The Price/Earnings (PE) ratio for FINANCIAL INSTITUTIONS INC (FISI) is 8.78 and the Price/Book (PB) ratio is 1.05.


How sustainable is the dividend of FINANCIAL INSTITUTIONS INC (FISI) stock?

The dividend rating of FINANCIAL INSTITUTIONS INC (FISI) is 7 / 10 and the dividend payout ratio is 35.66%.