FINANCIAL INSTITUTIONS INC (FISI) Stock Fundamental Analysis

NASDAQ:FISI • US3175854047

34.07 USD
-0.36 (-1.05%)
At close: Feb 12, 2026
34.07 USD
0 (0%)
After Hours: 2/12/2026, 8:00:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to FISI. FISI was compared to 381 industry peers in the Banks industry. Both the profitability and financial health of FISI have multiple concerns. FISI has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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.
  • 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

  • FISI has a worse Return On Assets (-0.46%) than 93.44% of its industry peers.
  • FISI has a Return On Equity of -4.70%. This is amonst the worse of the industry: FISI underperforms 92.91% 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. Health

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.
  • The debt/assets ratio for FISI is higher compared to a year ago.
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.
  • With a Debt to FCF ratio value of 3.14, FISI is not doing good in the industry: 63.78% of the companies in the same industry are doing better.
  • A Debt/Equity ratio of 0.19 indicates that FISI is not too dependend on debt financing.
  • 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
WACC19.41%
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. Growth

3.1 Past

  • The earnings per share for FISI have decreased strongly by -22.20% in the last year.
  • FISI shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 9.43% yearly.
  • The Revenue has grown by 109.52% in the past year. This is a very strong growth!
  • The Revenue has been growing slightly by 6.10% on average over the past years.
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

  • The Earnings Per Share is expected to grow by 8.27% on average over the next years. This is quite good.
  • 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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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 9.44 indicates a reasonable valuation of FISI.
  • Based on the Price/Earnings ratio, FISI is valued cheaper than 87.40% 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 27.67.
  • FISI is valuated reasonably with a Price/Forward Earnings ratio of 8.53.
  • Based on the Price/Forward Earnings ratio, FISI is valued cheaper than 87.93% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of FISI to the average of the S&P500 Index (27.69), we can say FISI is valued rather cheaply.
Industry RankSector Rank
PE 9.44
Fwd PE 8.53
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 80.31% of the companies in the same industry.
Industry RankSector Rank
P/FCF 33.14
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)0.89
PEG (5Y)1
EPS Next 2Y8.27%
EPS Next 3YN/A

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

5

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 3.56%, FISI has a reasonable but not impressive dividend return.
  • FISI's Dividend Yield is rather good when compared to the industry average which is at 2.53. FISI pays more dividend than 80.05% of the companies in the same industry.
  • FISI's Dividend Yield is rather good when compared to the S&P500 average which is at 1.80.
Industry RankSector Rank
Dividend Yield 3.56%

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.
  • 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 0.5 1

5.3 Sustainability

  • FISI has negative earnings and hence a negative payout ratio. The dividend may be in danger.
  • 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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FINANCIAL INSTITUTIONS INC

NASDAQ:FISI (2/12/2026, 8:00:00 PM)

After market: 34.07 0 (0%)

34.07

-0.36 (-1.05%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-27
Inst Owners82.79%
Inst Owner Change-1.74%
Ins Owners2.41%
Ins Owner Change0.25%
Market Cap685.83M
Revenue(TTM)244.94M
Net Income(TTM)-29.21M
Analysts80
Price Target37.74 (10.77%)
Short Float %2.25%
Short Ratio3.33
Dividend
Industry RankSector Rank
Dividend Yield 3.56%
Yearly Dividend1.13
Dividend Growth(5Y)0.75%
DP-84.04%
Div Incr Years0
Div Non Decr Years1
Ex-DateN/A
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)1.36%
EPS NY rev (3m)-0.27%
Revenue NQ rev (1m)-17.06%
Revenue NQ rev (3m)-17.06%
Revenue NY rev (1m)-17.04%
Revenue NY rev (3m)-17.04%
Valuation
Industry RankSector Rank
PE 9.44
Fwd PE 8.53
P/S 5.22
P/FCF 33.14
P/OCF 27.96
P/B 1.1
P/tB 1.22
EV/EBITDA N/A
EPS(TTM)3.61
EY10.6%
EPS(NY)3.99
Fwd EY11.72%
FCF(TTM)1.03
FCFY3.02%
OCF(TTM)1.22
OCFY3.58%
SpS6.53
BVpS30.89
TBVpS27.88
PEG (NY)0.89
PEG (5Y)1
Graham Number50.09
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
WACC19.41%
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 9.44 and the Price/Book (PB) ratio is 1.1.


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.