FINANCIAL INSTITUTIONS INC (FISI) Fundamental Analysis & Valuation

NASDAQ:FISI • US3175854047

Current stock price

31.3 USD
+0.71 (+2.32%)
At close:
31.3 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

  • FISI had positive earnings in the past year.
  • FISI had a positive operating cash flow in the past year.
  • Of the past 5 years FISI 4 years were profitable.
  • FISI had a positive operating cash flow in each 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

  • Looking at the Return On Assets, with a value of 1.17%, FISI is in the better half of the industry, outperforming 71.58% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 11.67%, FISI is in the better half of the industry, outperforming 77.89% of the companies in the same industry.
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

  • Looking at the Profit Margin, with a value of 29.97%, FISI is in the better half of the industry, outperforming 75.26% of the companies in the same industry.
  • FISI's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for FISI so they could not be analyzed.
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.
  • Compared to 1 year ago, FISI has less shares outstanding
  • The number of shares outstanding for FISI has been increased compared to 5 years ago.
  • 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

  • FISI has a debt to FCF ratio of 10.84. This is a negative value and a sign of low solvency as FISI would need 10.84 years to pay back of all of its debts.
  • FISI's Debt to FCF ratio of 10.84 is on the low side compared to the rest of the industry. FISI is outperformed by 78.16% of its industry peers.
  • FISI has a Debt/Equity ratio of 0.40. This is a healthy value indicating a solid balance between debt and equity.
  • FISI has a Debt to Equity ratio of 0.40. This is in the lower half of the industry: FISI underperforms 72.89% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.4
Debt/FCF 10.84
Altman-Z N/A
ROIC/WACCN/A
WACC18.33%
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%.
  • 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!
  • 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.
  • 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

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

  • The Price/Earnings ratio is 8.67, which indicates a very decent valuation of FISI.
  • Based on the Price/Earnings ratio, FISI is valued cheaper than 88.95% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 25.54. FISI is valued rather cheaply when compared to this.
  • Based on the Price/Forward Earnings ratio of 7.84, the valuation of FISI can be described as very cheap.
  • FISI's Price/Forward Earnings ratio is rather cheap when compared to the industry. FISI is cheaper than 89.47% of the companies in the same industry.
  • FISI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.70.
Industry RankSector Rank
PE 8.67
Fwd PE 7.84
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

  • 82.37% of the companies in the same industry are cheaper than FISI, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 46.36
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)0.92
EPS Next 2Y8.27%
EPS Next 3YN/A

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

8

5. FISI Dividend Analysis

5.1 Amount

  • FISI has a Yearly Dividend Yield of 7.24%, which is a nice return.
  • FISI's Dividend Yield is rather good when compared to the industry average which is at 2.78. FISI pays more dividend than 98.95% of the companies in the same industry.
  • FISI's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 7.24%

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.
  • The dividend of FISI decreased recently.
Dividend Growth(5Y)3.14%
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

  • 35.66% of the earnings are spent on dividend by FISI. This is a low number and sustainable payout ratio.
  • The dividend of FISI is growing, but earnings are growing more, so the dividend growth is 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 (3/23/2026, 5:39:58 PM)

After market: 31.3 0 (0%)

31.3

+0.71 (+2.32%)

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 Change0.32%
Market Cap614.42M
Revenue(TTM)244.94M
Net Income(TTM)73.41M
Analysts80
Price Target37.74 (20.58%)
Short Float %2.1%
Short Ratio2.44
Dividend
Industry RankSector Rank
Dividend Yield 7.24%
Yearly Dividend1.31
Dividend Growth(5Y)3.14%
DP35.66%
Div Incr Years0
Div Non Decr Years1
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)5.71%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.66%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.27%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-17.51%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-17.04%
Valuation
Industry RankSector Rank
PE 8.67
Fwd PE 7.84
P/S 2.51
P/FCF 46.36
P/OCF 32.68
P/B 0.98
P/tB 1.08
EV/EBITDA N/A
EPS(TTM)3.61
EY11.53%
EPS(NY)3.99
Fwd EY12.76%
FCF(TTM)0.68
FCFY2.16%
OCF(TTM)0.96
OCFY3.06%
SpS12.48
BVpS32.04
TBVpS28.96
PEG (NY)0.82
PEG (5Y)0.92
Graham Number51.01
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
WACC18.33%
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)-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 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.


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 4 / 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 8.67 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.