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Financial Institutions, Inc. FISI

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Price alert · FISI

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40.15 USD +0.78 +1.98%

At close · Nov 2

40.15 0.00 0.00%

After hours · Nov 2, 4:00 PM ET

Bid
40.12 × 2
Ask
40.16 × 2
39.37 Day range 40.37
28.03 52-week range 42.97
YTD
+28.81%
1 year
+41.22%
Open
39.76
Prev close
39.37
Mkt cap
783.77M
Vol
152.50K
Avg vol
131.84K
EPS
4.11
P/E
9.77
Div yield
4.42%
More statistics
Low
39.37
High
40.37
Forward P/E
8.72
Beta
0.92
Short ratio
0.80
Inst. own
56.74%
Dividend
1.20
Ex-div date
Dec 12, 2024
Earnings
Jan 23, 2025
50-d avg
26.49
200-d avg
22.22
1y target
31.00

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Financial health

Altman Z-Score

0.40 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

8 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

C+2 / 5 overall

  • DCF 4
  • Return on Equity 1
  • Return on Assets 4
  • Debt / Equity 1
  • P/E 1
  • P/B 1

Valuation

P/E 8.5×
FY 2016: 16.2×FY 2017: 14.6×FY 2018: 10.8×FY 2019: 10.8×FY 2020: 9.8×FY 2021: 6.6×FY 2022: 6.8×FY 2023: 6.7×FY 2024: -9.9×FY 2025: 8.5×
FY 2016 5y median 6.7× FY 2025
P/S 1.7×
FY 2016: 3.3×FY 2017: 2.8×FY 2018: 2.2×FY 2019: 2.5×FY 2020: 1.8×FY 2021: 2.4×FY 2022: 1.6×FY 2023: 1.0×FY 2024: 1.6×FY 2025: 1.7×
FY 2016 5y median 1.6× FY 2025
P/B 1.0×
FY 2016: 1.5×FY 2017: 1.2×FY 2018: 1.0×FY 2019: 1.2×FY 2020: 0.8×FY 2021: 1.0×FY 2022: 0.9×FY 2023: 0.7×FY 2024: 0.8×FY 2025: 1.0×
FY 2016 5y median 0.9× FY 2025
P/FCF 47.3×
FY 2016: 12.6×FY 2017: 12.1×FY 2018: 6.6×FY 2019: 9.5×FY 2020: 9.2×FY 2021: 7.9×FY 2022: 3.0×FY 2023: 41.4×FY 2024: 5.9×FY 2025: 47.3×
FY 2016 5y median 7.9× FY 2025
EV/EBITDA 8.6×
FY 2016: 15.8×FY 2017: 17.2×FY 2018: 14.5×FY 2019: 10.6×FY 2020: 6.4×FY 2021: 5.0×FY 2022: 7.0×FY 2023: 7.7×FY 2024: -9.9×FY 2025: 8.6×
FY 2016 5y median 7.0× FY 2025
EV/Sales 2.3×
FY 2016: 5.3×FY 2017: 5.2×FY 2018: 4.3×FY 2019: 3.4×FY 2020: 1.7×FY 2021: 2.5×FY 2022: 2.3×FY 2023: 1.6×FY 2024: 2.3×FY 2025: 2.3×
FY 2016 5y median 2.3× FY 2025
FCF Yield 2.1%
FY 2016: 7.9%FY 2017: 8.2%FY 2018: 15.2%FY 2019: 10.5%FY 2020: 10.9%FY 2021: 12.6%FY 2022: 33.4%FY 2023: 2.4%FY 2024: 16.9%FY 2025: 2.1%
FY 2016 5y median 12.6% FY 2025

Profitability

Gross Margin 61.7%
FY 2016: 85.3%FY 2017: 81.3%FY 2018: 79.4%FY 2019: 77.5%FY 2020: 75.8%FY 2021: 98.0%FY 2022: 82.2%FY 2023: 59.3%FY 2024: 33.3%FY 2025: 61.7%
FY 2016 5y median 61.7% FY 2025
Operating Margin 24.2%
FY 2016: 29.3%FY 2017: 26.4%FY 2018: 26.3%FY 2019: 28.5%FY 2020: 22.4%FY 2021: 45.9%FY 2022: 29.4%FY 2023: 19.0%FY 2024: -25.8%FY 2025: 24.2%
FY 2016 5y median 24.2% FY 2025
Net Margin 19.8%
FY 2016: 21.2%FY 2017: 20.4%FY 2018: 21.0%FY 2019: 23.4%FY 2020: 18.8%FY 2021: 36.6%FY 2022: 23.5%FY 2023: 15.1%FY 2024: -15.8%FY 2025: 19.8%
FY 2016 5y median 19.8% FY 2025
ROE 11.9%
FY 2016: 10.0%FY 2017: 8.8%FY 2018: 10.0%FY 2019: 11.1%FY 2020: 8.2%FY 2021: 15.4%FY 2022: 13.9%FY 2023: 11.1%FY 2024: -7.3%FY 2025: 11.9%
FY 2016 5y median 11.9% FY 2025
ROIC 7.2%
FY 2016: 4.5%FY 2017: 3.7%FY 2018: 4.2%FY 2019: 5.9%FY 2020: 6.0%FY 2021: 11.2%FY 2022: 6.6%FY 2023: 5.4%FY 2024: -4.2%FY 2025: 7.2%
FY 2016 5y median 6.6% FY 2025
ROA 1.2%
FY 2016: 0.9%FY 2017: 0.8%FY 2018: 0.9%FY 2019: 1.1%FY 2020: 0.8%FY 2021: 1.4%FY 2022: 1.0%FY 2023: 0.8%FY 2024: -0.7%FY 2025: 1.2%
FY 2016 5y median 1.0% FY 2025

Growth (YoY)

Revenue 43.1%
FY 2016: 11.4%FY 2017: 9.3%FY 2018: 14.1%FY 2019: 11.1%FY 2020: -2.1%FY 2021: 3.7%FY 2022: 13.7%FY 2023: 38.0%FY 2024: -20.6%FY 2025: 43.1%
FY 2016 FY 2025
Operating Income 234.1%
FY 2016: 13.5%FY 2017: -1.5%FY 2018: 13.9%FY 2019: 20.0%FY 2020: -23.1%FY 2021: 112.6%FY 2022: -27.0%FY 2023: -11.2%FY 2024: -208.1%FY 2025: 234.1%
FY 2016 FY 2025
EPS (diluted) 231.3%
FY 2016: 10.5%FY 2017: 1.4%FY 2018: 12.2%FY 2019: 23.8%FY 2020: -22.3%FY 2021: 107.8%FY 2022: -25.5%FY 2023: -11.5%FY 2024: -187.3%FY 2025: 231.3%
FY 2016 FY 2025
Free Cash Flow -81.6%
FY 2016: 9.8%FY 2017: -1.4%FY 2018: 61.6%FY 2019: -13.2%FY 2020: -27.5%FY 2021: 62.2%FY 2022: 97.0%FY 2023: -93.7%FY 2024: 813.1%FY 2025: -81.6%
FY 2016 FY 2025

Financial Health

Current Ratio 0.0×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 0.0×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.5×
FY 2016: 1.2×FY 2017: 1.3×FY 2018: 1.3×FY 2019: 0.7×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.8×FY 2023: 0.8×FY 2024: 0.5×FY 2025: 0.5×
FY 2016 5y median 0.5× FY 2025
Net Debt / EBITDA 2.3×
FY 2016: 6.0×FY 2017: 7.8×FY 2018: 7.2×FY 2019: 3.0×FY 2020: -0.3×FY 2021: 0.2×FY 2022: 2.3×FY 2023: 3.1×FY 2024: -2.8×FY 2025: 2.3×
FY 2016 5y median 2.3× FY 2025
Interest Coverage 0.7×
FY 2016: 3.5×FY 2017: 2.5×FY 2018: 1.7×FY 2019: 1.5×FY 2020: 2.0×FY 2021: 7.8×FY 2022: 2.5×FY 2023: 0.5×FY 2024: -0.5×FY 2025: 0.7×
FY 2016 5y median 0.7× FY 2025

Dividends

Dividend Yield 4.2%
FY 2016: 2.6%FY 2017: 3.0%FY 2018: 4.0%FY 2019: 3.4%FY 2020: 5.0%FY 2021: 3.7%FY 2022: 5.1%FY 2023: 6.0%FY 2024: 4.7%FY 2025: 4.2%
FY 2016 5y median 4.7% FY 2025
Payout Ratio 35.0%
FY 2016: 40.5%FY 2017: 41.6%FY 2018: 41.5%FY 2019: 35.3%FY 2020: 46.8%FY 2021: 23.7%FY 2022: 33.7%FY 2023: 39.3%FY 2024: -48.0%FY 2025: 35.0%
FY 2016 5y median 33.7% FY 2025

Annual · latest fiscal year ends 2025-12-31