Financial Institutions, Inc. (FISI)

NMS – Real Time Price. Currency in USD

41.79

+0.15 (0.36%)

Market open: Aug 12, 2026, 9:57 AM EDT

41.64

0.00 (0.00%)

Previous after-hours: Aug 11, 2026, 7:34 PM EDT

Stock details

Previous close: 41.65$
Day's range: 41.01 - 42.24$
52-week range: 24.72 - 42.97$
Volume: 177 688
Average volume: 170 143
Beta: 0.45
EPS (TTM): 4.08
PE ratio (TTM): 10.33
Forward P/E: 9.94
Market cap: 820 769 918
Shares outstanding: 19 706 361
Dividend yield: $3.03 (3.03%)
Next earnings date: 2026-10-22
Sector: Financials
Industry: Banks - Regional

About the company

Financial Institutions, Inc., through its subsidiaries, provides banking and financial services to consumer, commercial, and municipal customers in New York. The company provides checking and savings account programs, including money market accounts, certificates of deposit, sweep investments, and individual retirement and other qualified plan accounts, as well as NOW accounts. It also offers commercial loan products includi... read more

CEO: Martin Birmingham
Country: United States
IPO Date: 1999-06-25
Employees: 631
Fiscal Year End: January - December
Website: https://www.five-starbank.com

Revenue Breakdown

Banking / 100.00%

News

No Data

There are no news for this stock.

Chart: FISI

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Overall Score

4.8 / 1048%

Octagon View

Strength & Weakness

Cash reserves $0.0 barely cover the upcoming debt maturities $292.6M

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (0.5) is well below the industry average (0.1), showcasing prudent financial management

The company has no interest-bearing debt, showcasing excellent financial strength

The company generates positive free cash flow $21.8M, supporting its financial health

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	0.07	2.82	1.0
Quick ratio	N/A	2.82	1.0
Debt to Equity	0.45	0.05	7.0
Debt to Assets	0.05	0.09	9.0
Interest coverage	N/A	N/A	10
Weighted average score			5.6

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	239M	331M	263M	374M	376M
Gross Profit	N/A	N/A	N/A	N/A	N/A
Operating Income	71M	61M	-47M	90M	99M
Net Income	57M	50M	-42M	75M	83M
EBITDA	N/A	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	48.43	1.0
Operating margin %	40.26	0.44	10
Net margin %	33.13	32.70	10
EBITDA margin %	N/A	0.00	1.0
Cash flow margin %	24.20	0.00	10
Weighted average score			6.4

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	0.83	1.46	2.0
ROE	8.43	14.94	6.0
ROIC	6.81	0.00	6.0
ROCE	N/A	0.00	1.0
Weighted average score			3.8

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	4.24	6.06	4.5
Next quarter	4.91	10.94	5.5
Current year	6.51	16.07	7.0
Next year	4.63	2.63	4.0
Weighted average score			5.3

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	2.05	0.95	0	-5.31	1.8
Y/Y	0.88	20.83	22.35	497.18	8.0
3y average	20	28.6	0.07	204.64	7.8
5y average	15.91	32.26	16.94	155.95	9.5
Weighted average score					6.8

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	10.34	11.16	6.8
PEG (5yr expected)	N/A	98.42	1.0
P/S	3.30	3.37	4.4
P/B	1.31	1.53	6.0
Weighted average score			4.6

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR6.69%

FCF 5 year CAGR4

Fair value51.54$

Stock price41.425$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	4.50	4.50	9.0
Payout ratio	31.96	31.96	5.0
5-year dividend growth rate	3.58	3.58	5.0
Years of dividend increase	1.00	1.00	2.0
Weighted average score			5.3

Fair Value

$51.54

UndervaluedStock priceOvervalued

$41.425

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

Martin Birmingham

Country

United States

IPO Date

1999-06-25

Employees

631

Fiscal Year End

January - December

Website

https://www.five-starbank.com

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

0.07

2.82

1.0

Quick ratio

N/A

2.82

1.0

Debt to Equity

0.45

0.05

7.0

Debt to Assets

0.05

0.09

9.0

Interest coverage

N/A

Weighted average score

5.6

METRIC

2022

2023

2024

2025

TTM

Total Revenue

239M

331M

263M

374M

376M

Gross Profit

N/A

Operating Income

71M

61M

-47M

90M

99M

Net Income

57M

50M

-42M

75M

83M

EBITDA

N/A

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

N/A

48.43

1.0

Operating margin %

40.26

0.44

Net margin %

33.13

32.70

EBITDA margin %

N/A

0.00

1.0

Cash flow margin %

24.20

0.00

Weighted average score

6.4

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

0.83

1.46

2.0

ROE

8.43

14.94

6.0

ROIC

6.81

0.00

6.0

ROCE

N/A

0.00

1.0

Weighted average score

3.8

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

4.24

6.06

4.5

Next quarter

4.91

10.94

5.5

Current year

6.51

16.07

7.0

Next year

4.63

2.63

4.0

Weighted average score

5.3

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

2.05

0.95

-5.31

1.8

Y/Y

0.88

20.83

22.35

497.18

8.0

3y average

28.6

0.07

204.64

7.8

5y average

15.91

32.26

16.94

155.95

9.5

Weighted average score

6.8

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

10.34

11.16

6.8

PEG (5yr expected)

N/A

98.42

1.0

P/S

3.30

3.37

4.4

P/B

1.31

1.53

6.0

Weighted average score

4.6

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

4.50

9.0

Payout ratio

31.96

5.0

5-year dividend growth rate

3.58

5.0

Years of dividend increase

1.00

2.0

Weighted average score

5.3

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

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Financial Institutions, Inc. (FISI)

Stock details

About the company

Revenue Breakdown

News

Chart: FISI

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$51.54

$41.425

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: FISI

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$51.54

$41.425

Economic Moat