NASDAQ · Banks - Regional

Financial Institutions, Inc. (FISI) Stock

$39.05 +0.88% NASDAQ: FISI Financial Services

Valuation

MetricValue
Price$39.05
Market Cap$768.75M
P/E Ratio9.72
P/B Ratio1.21
P/S Ratio2.48
EPS (TTM)$3.84
52-Week High$42.97
52-Week Low$25.61
Dividend Yield3.27%

Financials & Margins

MetricValue
ROE13.09%
ROA1.30%
ROCE0.80%
Gross Margin63.66%
Operating Margin25.27%
Net Margin26.18%
Debt/Equity0.36
Current Ratio0.03

Annual Financials (USD)

Metric20212022202320242025
Revenue$212.0M$241.0M$333.0M$264.0M$378.0M
Operating Profit$97.0M$71.0M$63.0M$-68.0M$91.0M
Net Profit$78.0M$57.0M$50.0M$-42.0M$75.0M
EPS$4.78$3.56$3.15$-2.75$3.61
Op Margin45.9%29.4%19.0%-25.8%24.2%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$5.5B$5.8B$6.2B$6.1B$6.3B
Total Liabilities$5.0B$5.4B$5.7B$5.5B$5.6B
Cash$79.0M$130.0M$124.0M$87.0M$109.0M
Borrowings$104.0M$312.0M$343.0M$257.0M$334.0M

Latest News

Financial Institutions (FISI) Reports Next Week: Wall Street Expects Earnings Growth Zacks · Jul 16, 2026 Financial Institutions (FISI) Could Be a Great Choice Zacks · Jul 8, 2026 Financial Institutions, Inc. Schedules Second Quarter 2026 Earnings Release and Conference Call GlobeNewswire · Jun 30, 2026 Are You Looking for a Top Momentum Pick? Why Financial Institutions (FISI) is a Great Choice Zacks · Jun 30, 2026 Citizens Financial Services Inc. (CZFS) Hit a 52 Week High, Can the Run Continue? Zacks · Jun 29, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$73.0M$134.0M$11.0M$77.0M$19.0M
Investing Cash Flow$-643.0M$-334.0M$-313.0M$-13.0M$-146.0M
Financing Cash Flow$539.0M$87.0M$283.0M$-109.0M$90.0M
Net Cash Flow$-15.0M$51.0M$-6.0M$-37.0M$21.0M
Free Cash Flow$64.0M$125.0M$8.0M$72.0M$13.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.03
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y48.29%
Return 3Y157.55%
Return 5Y66.84%

Ownership

Insiders Held2.58%
Institutions Held82.49%
Institutions Float Held84.68%
Institutional HolderSharesReport Date
PL Capital Advisors, LLC1,816,1022026-03-31
Blackrock Inc.1,478,0722026-03-31
Dimensional Fund Advisors LP957,6672026-03-31
Adage Capital Partners GP L.L.C.948,4412026-03-31
Wellington Management Group, LLP900,4932026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
ACNBACNB Corporation $63.19 +0.11% 12.06 $645.30M 2.63%
AROWArrow Financial Corporation $37.03 +1.17% 12.11 $612.07M 3.18%
FMNBFarmers National Banc Corp. $15.20 +0.93% 10.65 $675.91M 4.69%
FNLCFirst Bancorp, Inc (ME) $33.44 +0.39% 10.03 $377.06M 4.44%
FNWDFinward Bancorp $41.64 +1.09% 18.51 $180.43M 1.13%

About Financial Institutions, Inc.

Financial Institutions, Inc. is led by CEO Martin K. Birmingham, employs 598 people, headquartered in US, publicly traded since 1999.

Financial Institutions, Inc. (FISI) stock trades at $39.05 with a market capitalization of $768.75M. The stock is valued at a price-to-earnings (P/E) ratio of 9.72, price-to-book of 1.21, price-to-sales of 2.48. Over the past 52 weeks the stock has ranged between $25.61 and $42.97, and currently trades 9.1% below its 52-week high. It pays a dividend yielding 3.27%.

On profitability, Financial Institutions, Inc. generates a return on equity (ROE) of 13.09%, above the typical market average, return on capital employed of 0.80%, an operating margin of 25.27%, a net profit margin of 26.18%.

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