Financial Institutions, Inc. Stock

$26.00

4.54% yesterday

Nasdaq, Aug 12, 10:00 pm CET

ISIN

US3175854047

Symbol

FISI

Reports

Quarter | Annual

Index

NASDAQ Composite

Sector

Banks

Industry

Banks

Overview Dividends Analysts Charts News Strategies

Financial Institutions, Inc. Stock price

$26.00

+8.14 45.58% 5Y

Nasdaq, Closing price Tue, Aug 12 2025

+1.13 4.54%

ISIN

US3175854047

Symbol

FISI

Reports

Quarter | Annual

Index

NASDAQ Composite

Sector

Banks

Industry

Banks

Key metrics

Basic

Market capitalization

$500.6m

Enterprise Value

$716.6m

Net debt

$216.0m

Cash

Shares outstanding

20.1m

Valuation (TTM | estimate)

P/E

negative | 7.1

P/S

4.3 | 2.0

EV/Sales

6.1 | 2.9

EV/FCF

P/B

0.8

Dividends

DPS

$1.20

Yield 1Y | 5Y

4.8% | 4.8%

Growth 1Y | 5Y

0.0% | 3.7%

Payout 1Y | 3Y

-43.6% | 89.9%

Increased

0 Years

Financials (TTM | estimate)

Revenue

$117.7m | $246.0m

EBITDA

- | -

EBIT

- | $99.9m

Net Income

$-36.4m | $70.8m

Free Cash Flow

Growth (TTM | estimate)

Revenue

-47.4% | 110.5%

EBITDA

- | -

EBIT

- | -

Net Income

-172.7% | 264.3%

Free Cash Flow

Financial Health

Equity Ratio

9.3%

Return on Equity

-7.6%

ROCE

ROIC

Debt/Equity

0.4

EPS

$-1.8

FCF per Share

Short interest

2.5%

Employees

598

Rev per Employee

$200.0k

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Financial Institutions, Inc. Stock Analysis

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7 Analysts have issued a Financial Institutions, Inc. forecast:

6x Buy

86%

More details on Analyst Estimates Including Price Targets

7 Analysts have issued a Financial Institutions, Inc. forecast:

Buy

86%

Hold

14%

Analyst Estimates with Stock Price Targets

Financial data from Financial Institutions, Inc.

Income Statement P&L | Balance Sheet | Cash Flow

Quarter TTM Annually

Jun '25		+/- %
Revenue	118 118	47% 47% 100%
- Interest Income	178 178	9% 9% 151%
- Non-Interest Income	-61 -61	200% 200% -51%
Interest Expense	142 142	3% 3% 120%
Non-Interest Expense	-161 -161	3% 3% -137%
Loan Loss Provisions	15 15	432% 432% 13%
Net Profit	-36 -36	173% 173% -31%

In millions USD.

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Financial Institutions, Inc. Stock News

Neutral

Seeking Alpha

●

18 days ago

Financial Institutions, Inc. (FISI) Q2 2025 Earnings Call Transcript

Financial Institutions, Inc. (NASDAQ:FISI ) Q2 2025 Earnings Conference Call July 25, 2025 8:30 AM ET Company Participants Kate Croft - Director of Investor & External Relations Martin K. Birmingham - President, CEO & Director William Jack Plants - Executive VP, CFO & Treasurer Conference Call Participants Damon Paul DelMonte - Keefe, Bruyette, & Woods, Inc., Research Division Operator Hello, e...

Neutral

GlobeNewsWire

●

3 months ago

Financial Institutions, Inc. Announces Quarterly Cash Dividend

WARSAW, N.Y., May 28, 2025 (GLOBE NEWSWIRE) -- Financial Institutions, Inc. (Nasdaq: FISI) (the “Company”), parent company of Five Star Bank and Courier Capital, LLC, announced today that its Board of Directors has approved a quarterly cash dividend of $0.31 per outstanding common share.

Positive

Seeking Alpha

●

3 months ago

Financial Institutions: The Picture Looks Better Now (Rating Upgrade)

I initially downgraded Financial Institutions due to mixed financial performance and valuation concerns, but recent improvements justify upgrading it to a soft 'buy'. The company's balance sheet has strengthened, with increases in loans and deposits, and improved asset quality, despite reliance on brokered deposits. Mixed income statement results show a drop in net interest income, but net prof...

More Financial Institutions, Inc. News

Company Profile

Financial Institutions, Inc. is a holding company, which engages in the provision of financial services to individuals and businesses. It operates through the following segments: Banking and Non-Banking. The Banking segment includes retail and commercial banking operations. The Non-Banking segment provides includes the activities of SDN, a full service insurance agency that provides an insurance services to both personal and business clients and Courier Capital, an investment advisor and wealth management firm that offers 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.

Head office	United States
CEO	Martin Birmingham
Employees	598
Founded	1931
Website	financialinstitutionsinc.q4ir.com

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