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FISI Quote, Financials, Valuation and Earnings
Last price:
$33.74
Seasonality move
:
3.59%
Day range:
$33.26 - $33.91
52-week range:
$20.97 - $35.47
Dividend yield:
3.68%
P/E ratio:
9.35x
P/S ratio:
1.83x
P/B ratio:
1.10x
Volume:
310.2K
Avg. volume:
170.1K
1-year change:
15.71%
Market cap:
$668M
Revenue:
$374M
EPS (TTM):
$3.61
Analysts' Opinion
-
Consensus RatingFinancial Institutions, Inc. has received a consensus rating of Hold. The company's average rating is a Hold based on 0 Buy ratings, 1 Hold rating, and 0 Sell ratings.
-
Price Target UpsideAccording to analysts' consensus price target of $37.00, Financial Institutions, Inc. has an estimated upside of 9.66% from its current price of $33.74.
-
Price Target DownsideAccording to analysts, the lowest downside price target is $36.00 representing 100% downside risk from its current price of $33.74.
Fair Value
-
According to the consensus of 1 analyst, Financial Institutions, Inc. has 9.66% upside to fair value with a price target of $37.00 per share.
FISI vs. S&P 500
-
Over the past 5 trading days, Financial Institutions, Inc. has underperformed the S&P 500 by -2.02% suggesting its relative strength compared to the major market average is weak at this time.
Share Buyback
-
Financial Institutions, Inc. does have a share repurchase program in place at this time. The scale of a buyback program can materially affect share price and usually results in a higher earnings per share, all else being equal, when the share count drops.
Revenue Growth
-
Financial Institutions, Inc. has grown year-over-year revenues for 2 quarters straight. In the most recent quarter Financial Institutions, Inc. reported revenues of $95M.
Earnings Growth
-
Financial Institutions, Inc. has grown year-over-year earnings for 2 quarters straight. In the most recent quarter Financial Institutions, Inc. reported earnings per share of $0.96.
Enterprise value:
970.6M
EV / Invested capital:
3.60x
Price / LTM sales:
1.83x
EV / EBIT:
4.33x
EV / Revenue:
2.60x
PEG ratio (5yr expected):
--
EV / Free cash flow:
-18.69x
Price / Operating cash flow:
16.75x
Enterprise value / EBITDA:
19.64x
Gross Profit (TTM):
--
Return On Assets:
1.2%
Net Income Margin (TTM):
20.02%
Return On Equity:
15.93%
Return On Invested Capital:
10.48%
Operating Margin:
24.78%
| Trailing 12 Months | Fiscal Quarters | |||||
|---|---|---|---|---|---|---|
| Period Ending | 2023-12-31 | 2024-12-31 | 2025-12-31 | 2024-12-31 | 2025-12-31 | |
| Income Statement | ||||||
| Revenue | $331.2M | $263.4M | $374M | -$13.7M | $95M | |
| Gross Profit | -- | -- | -- | -- | -- | |
| Operating Income | $61.4M | -$47.5M | $90M | -$93M | $23.5M | |
| EBITDA | -- | -- | -- | -- | -- | |
| Diluted EPS | $3.16 | -$2.50 | $3.61 | -$5.07 | $0.96 | |
| Period Ending | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 | 2025-12-31 | |
|---|---|---|---|---|---|---|
| Balance Sheet | ||||||
| Current Assets | $97.2M | $151.4M | $149.7M | $111.7M | $108.8M | |
| Total Assets | $5.5B | $5.8B | $6.2B | $6.1B | $6.3B | |
| Current Liabilities | $2.9B | $3.5B | $3.2B | $3.3B | $1.7B | |
| Total Liabilities | $5B | $5.4B | $5.7B | $5.6B | -- | |
| Total Equity | $505.1M | $405.6M | $454.8M | $569M | -$33M | |
| Total Debt | $95.6M | $104.5M | $155.3M | $154.7M | $193.7M | |
| Trailing 12 Months | Fiscal Quarters | |||||
|---|---|---|---|---|---|---|
| Period Ending | 2023-09-30 | 2024-09-30 | 2025-09-30 | 2024-09-30 | 2025-09-30 | |
| Cash Flow Statement | ||||||
| Cash Flow Operations | $74M | $2.4M | $24M | $2.3M | -$6.7M | |
| Cash From Investing | -$442.1M | $99.8M | -$212.3M | $79.6M | -$49.5M | |
| Cash From Financing | $441.7M | -$44.8M | $124.7M | $21.3M | $149.2M | |
| Free Cash Flow | $43.9M | -$57.1M | -$51.9M | -$111K | -$6.9M | |
FISI
Sector
Market Cap
$668M
$550.3M
Price % of 52-Week High
95.12%
91.53%
Dividend Yield
3.68%
1.43%
Shareholder Yield
1.16%
2.97%
1-Year Price Total Return
15.71%
9.09%
Beta (5-Year)
0.701
0.446
Dividend yield:
3.68%
Annualized payout:
$1.24
Payout ratio:
32.29%
Growth streak:
1 years
Technicals
8-day SMA
Sell
Level
$34.17
200-day SMA
Buy
Level
$28.48
Bollinger Bands (100)
Buy
Level
28.12 - 33.08
Chaikin Money Flow
Sell
Level
-2.9M
20-day SMA
Sell
Level
$33.76
Relative Strength Index (RSI14)
Buy
Level
52.81
ADX Line
Neutral
Level
19.89
Williams %R
Neutral
Level
-73.0299
50-day SMA
Buy
Level
$32.66
MACD (12, 26)
Buy
Level
0.51
25-day Aroon Oscillator
Buy
Level
52
On Balance Volume
Neutral
Level
1.6M
Financial Scores
Sell
Altman Z-Score
(Annual)
Level (-0.3818)
Sell
CA Score
(Annual)
Level (-2.3765)
--
Beneish M-Score
(Annual)
Level (--)
Buy
Momentum Score
Level (7)
Sell
Ohlson Score
Level (4.2196)
Sell
Piotroski F Score
(Annual)
Level (3)
Buy
Quality Ratio Score
Level (3)
Sell
Fundamental Score
Level (4)
Revenue Forecast
Earnings per Share Forecast
Company Profile
Financial Institutions, Inc. is a holding company, which engages in the provision of financial services. It operates through the following segments: Banking, Non-Banking, and Holding Company and Other. The Banking segment includes retail and commercial banking operations. The Non-Banking segment consists of the activities of SDN, a full-service insurance agency that offers insurance services to both personal and business clients, and Courier Capital, an investment advisor and wealth management firm that delivers customized investment management, investment consulting, and retirement plan services to individuals, businesses, institutions, foundations, and retirement plans. The company was founded in 1931 and is headquartered in Warsaw, NY.
Stock Forecast FAQ
In the current month, FISI has received 0 Buy ratings 1 Hold ratings, and 0 Sell ratings. The FISI average analyst price target in the past 3 months is $37.00.
-
Where Will Financial Institutions, Inc. Stock Be In 1 Year?
According to analysts, the consensus estimate is that Financial Institutions, Inc. share price will rise to $37.00 per share over the next 12 months.
-
What Do Analysts Say About Financial Institutions, Inc.?
Analysts are divided on their view about Financial Institutions, Inc. share price and where it will be in the next 12 months. The majority of analysts rate the stock a Buy. However, a smaller subset of analysts suggest that Financial Institutions, Inc. is a Sell and believe this share price will drop from its current level to $36.00.
-
What Is Financial Institutions, Inc.'s Price Target?
The price target for Financial Institutions, Inc. over the next 1-year time period is forecast to be $37.00 according to 1 Wall Street analyst, 0 of them rate the stock a Buy, 0 rate the stock a Sell, and 1 analyst rates the stock a Hold.
-
Is FISI A Buy, Sell Or Hold?
According to Wall Street analysts, the consensus rating for Financial Institutions, Inc. is a Hold. 1 of 1 analysts rates the stock a Hold at this time.
-
How Can I Buy Shares Of FISI?
You can purchase shares of Financial Institutions, Inc. via an online brokerage firm such as TD Ameritrade.com, thinkorswim.com, e-trade.com, or Schwab.com. Many other digital online brokerages exist such as RobinHood and Webull where you can purchase Financial Institutions, Inc. shares.
-
What Is The Financial Institutions, Inc. Share Price Today?
Financial Institutions, Inc. was last trading at $33.74 per share. This represents the most recent stock quote for Financial Institutions, Inc.. Yesterday, Financial Institutions, Inc. closed at $33.74 per share.
-
How To Buy Financial Institutions, Inc. Stock Online?
In order to purchase Financial Institutions, Inc. stock online, open a brokerage account, deposit funds into the account, and select an order type to purchase shares whether it be market or limit.
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Financial Ratios
FISI
Sector
P/E ratio
9.35x
12.49x
PEG ratio
--
0.31x
P/B ratio
1.10x
1.15x
Price / LTM sales
1.83x
1.87x
Growth Metrics
FISI
Sector
Revenue growth
792.51%
5.53%
Earnings growth
118.95%
10.36%
Revenue (5-year growth)
13.47%
8.73%
Earnings forecast
$0.95
$0.62
Profitability
FISI
Sector
Profitability FY 2025
--
--
Return on invested capital
10.48%
5.22%
Return on assets
1.2%
1.03%
Return on equity
15.93%
9.95%
Earnings Date
Last Earnings Date
Jan
29
Next Earnings Date
Apr
27
Estimated Next Earnings Date
Apr
30
Balance Sheet
FISI
Sector
Total cash
$93M
$418.2M
Short term investments
$8K
$182.9M
Total assets
$6.3B
$3.1B
Long term debt
$193.7M
$57.2M
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