FINANCIAL INSTITUTIONS INC (FISI) Fundamental Analysis & Valuation

NASDAQ:FISI • US3175854047

31.65 USD
-0.24 (-0.75%)
At close: Mar 3, 2026
31.65 USD
0 (0%)
After Hours: 3/3/2026, 8:10:48 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 may be in some trouble as it scores bad on both profitability and health. FISI is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

2

1. FISI Profitability Analysis

1.1 Basic Checks

  • FISI had positive earnings in the past year.
  • In the past year FISI had a positive cash flow from operations.
  • FISI had positive earnings in 4 of the past 5 years.
  • FISI had a positive operating cash flow in 4 of the past 5 years.
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

  • The Return On Assets of FISI (-0.46%) is worse than 94.20% of its industry peers.
  • FISI has a worse Return On Equity (-4.70%) than 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

  • In the last couple of years the Profit Margin of FISI has grown nicely.
  • 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.
  • Compared to 1 year ago, FISI has less shares outstanding
  • Compared to 5 years ago, FISI has more shares outstanding
  • 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

  • FISI has a debt to FCF ratio of 3.14. This is a good value and a sign of high solvency as FISI would need 3.14 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 3.14, FISI is doing worse than 63.06% of the companies in the same industry.
  • FISI has a Debt/Equity ratio of 0.19. This is a healthy value indicating a solid balance between debt and equity.
  • With a Debt to Equity ratio value of 0.19, FISI perfoms like the industry average, outperforming 43.54% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 3.14
Altman-Z N/A
ROIC/WACCN/A
WACC20.02%
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 -22.20% 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.
  • The Revenue has grown by 109.52% in the past year. This is a very strong growth!
  • FISI shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.10% yearly.
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.
  • The Revenue is expected to grow by 6.47% on average over the next years.
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 8.77, the valuation of FISI can be described as very reasonable.
  • Based on the Price/Earnings ratio, FISI is valued cheaply inside the industry as 90.50% of the companies are valued more expensively.
  • The average S&P500 Price/Earnings ratio is at 26.83. FISI is valued rather cheaply when compared to this.
  • A Price/Forward Earnings ratio of 7.92 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 91.03% of the companies in the same industry.
  • FISI is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.95, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 8.77
Fwd PE 7.92
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

  • 80.21% of the companies in the same industry are cheaper than FISI, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 30.28
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

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.82
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

5

5. FISI Dividend Analysis

5.1 Amount

  • FISI has a Yearly Dividend Yield of 3.89%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.72, FISI pays a better dividend. On top of this FISI pays more dividend than 81.53% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, FISI pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.89%

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 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.
  • The dividend of FISI is growing, but earnings are growing more, so the dividend growth is 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 (3/3/2026, 8:10:48 PM)

After market: 31.65 0 (0%)

31.65

-0.24 (-0.75%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-27
Inst Owners82.79%
Inst Owner Change-2.92%
Ins Owners2.41%
Ins Owner Change0.25%
Market Cap626.67M
Revenue(TTM)244.94M
Net Income(TTM)-29.21M
Analysts80
Price Target37.74 (19.24%)
Short Float %1.88%
Short Ratio2.11
Dividend
Industry RankSector Rank
Dividend Yield 3.89%
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 8.77
Fwd PE 7.92
P/S 4.77
P/FCF 30.28
P/OCF 25.55
P/B 1.01
P/tB 1.12
EV/EBITDA N/A
EPS(TTM)3.61
EY11.41%
EPS(NY)3.99
Fwd EY12.62%
FCF(TTM)1.05
FCFY3.3%
OCF(TTM)1.24
OCFY3.91%
SpS6.64
BVpS31.4
TBVpS28.35
PEG (NY)0.82
PEG (5Y)0.93
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
WACC20.02%
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 8.77 and the Price/Book (PB) ratio is 1.01.


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.