Market Valuation & Earnings Multiples
Market capitalization, P/E ratios, and enterprise value
Market Cap654.65M
Enterprise Value845.91M
Trailing P/E8.71
FISI
(NASDAQ)Financial Institutions, Inc.
$32.22-- (--)
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Financial Institutions (FISI) Key Statistics & Financial Metrics
Complete stock analysis with 40+ metrics: valuation ratios, profitability margins, financial health indicators, and dividend data.
Stock Valuation Metrics
Market value, earnings multiples, and pricing ratios
Price-Based Ratios
Valuation ratios based on stock price
Price/Sales (ttm)2.36
Forward Price/Sales1.94
Price/Book (mrq)1.04
Price/Tangible Book (mrq)1.15
Price/FCF (ttm)53.68
Price/OCF (ttm)34.68
Enterprise Value Ratios
EV-based valuation multiples
EV/Revenue3.06
EV/Earnings11.30
EV/EBITDA8.72
EV/FCF69.64
Stock Price
Current price, 52-week range, and moving averages
Current Price$32.22
1-Day Change1.20%
52-Week High$35.47
52-Week Low$20.97
52-Week Change29.19%
YTD Change4.05%
1-Year Change26.69%
50-Day MA$32.32
200-Day MA$29.20
Avg Volume (30 day)112.98K
Share Statistics
Outstanding shares, float, and per-share metrics
Shares Outstanding20.32M
Book Value per Share$30.95
Net Cash per Share$-0.01
FCF per Share$0.60
Analyst Price Targets & Consensus
Wall Street analyst ratings and 12-month price targets (90 days)
Price Target$37.00
Target Upside/Downside14.84%
Analyst ConsensusBuy
Analyst Count2
Profitability & Financial Performance
Profit margins, return metrics, and earnings analysis
Profit Margins
Profitability margins across income statement
Gross Margin84.03%
EBITDA Margin (ttm)35.11%
Operating Margin (ttm)33.05%
Pretax Margin (ttm)33.05%
Profit Margin (ttm)27.08%
FCF Margin (ttm)4.39%
Return on Investment Metrics
ROE, ROA, ROIC, and capital efficiency ratios
Return on Equity (ttm)11.91%
Return on Assets (ttm)1.19%
Income Statement (TTM)
Trailing twelve months revenue and earnings
Revenue276.43M
Gross Profit232.29M
Operating Income91.35M
Pretax Income91.35M
Net Income74.87M
EBITDA97.05M
Diluted EPS$3.68
Cash Flow (TTM)
Operating cash flow and free cash flow metrics
Operating Cash Flow18.80M
Capital Expenditures6.66M
Free Cash Flow12.15M
Growth Rates (YoY)
Year-over-year growth metrics
Revenue Growth199.72%
Dividend Growth3.31%
Financial Health & Dividends
Balance sheet analysis, debt ratios, and dividend metrics
Assets & Cash
Total assets and cash positions
Total Assets (mrq)6.27B
Cash & Securities (mrq)108.75M
Net Cash (mrq)-249.00K
Net Cash per Share$-0.01
Debt & Liabilities
Liabilities, debt, equity, and working capital
Total Debt (mrq)302.65M
Working Capital (mrq)-249.00K
Total Equity (mrq)628.85M
Book Value per Share$30.95
Liquidity & Leverage
Liquidity, leverage, and debt coverage ratios
Current Ratio (mrq)1.00
Quick Ratio (mrq)1.00
Debt/Equity (mrq)0.48
Debt/EBITDA (ttm)3.12
Debt/FCF (ttm)24.92
Dividend History & Payout Analysis
Dividend yield, payout ratios, and growth metrics
Dividend per Share (TTM)$1.25
Dividend Yield3.90%
Payout Ratio (Earnings)33.92%
Payout Ratio (FCF)209.08%
Dividend Growth (YoY)3.31%
Ex-Dividend DateMar 13, 2026
Pay DateApr 2, 2026
Dividend FrequencyQuarterly
Yield Metrics
Earnings, FCF, buyback, and shareholder yields
Earnings Yield11.48%
FCF Yield1.86%
Buyback Yield1.75%
Total Shareholder Yield5.65%
Financial Health Scores
Risk assessment and quality metrics
Altman Z-Score0.21
Piotroski F-Score5/9
Dividend Score66.62
Fair Value & Intrinsic Value
Lynch fair value, Graham number, and valuation models
Graham Number$50.66
Graham Upside/Downside57.86%
Frequently Asked Questions About Financial Institutions Statistics
What are the key financial metrics for FISI?
Financial Institutions, Inc. (FISI) statistics include 40+ financial metrics organized into valuation ratios (P/E, P/S, P/B, PEG), profitability margins (gross, operating, net), return metrics (ROE, ROA, ROIC), and financial health indicators. These are updated regularly based on the latest filings and market data.
What is FISI's valuation analysis?
The valuation section covers market capitalization, earnings multiples like trailing and forward P/E, price-based ratios (P/S, P/B, Price/FCF), and enterprise value ratios (EV/EBITDA, EV/Revenue, EV/FCF). Compare these against sector averages to assess whether Financial Institutions is overvalued or undervalued.
How do I read FISI's profitability ratios?
Financial Institutions's profitability is measured through profit margins (gross, EBITDA, operating, net) and return metrics (ROE, ROA, ROIC, ROCE). Higher margins indicate better cost control, while higher returns show efficient capital deployment. The income statement and cash flow sections provide the underlying revenue and earnings data.
What do FISI's debt ratios indicate?
The financial health section shows Financial Institutions's leverage through debt-to-equity, debt-to-assets, debt-to-EBITDA, and debt-to-FCF ratios, plus liquidity via the current and quick ratios. Lower debt ratios and higher liquidity ratios generally indicate stronger financial stability and lower default risk.
What is FISI's dividend analysis?
The dividend section covers Financial Institutions's dividend yield, payout ratios (earnings-based and FCF-based), year-over-year dividend growth, years of consecutive growth, ex-dividend and pay dates, and payment frequency. The yield metrics section also includes earnings yield, FCF yield, buyback yield, and total shareholder yield.