← Back to Screener
Financial Institutions Inc (FISI)
Price$34.24
Favorite Metrics
Price vs S&P 500 (26W)22.79%
Price vs S&P 500 (4W)7.31%
Market Capitalization$669.92M
P/E Ratio (Annual)8.95x
Indicated Dividend Yield (Annual)3.73%
All Metrics
P/CF (Annual)35.63x
Book Value / Share (Quarterly)$31.76
P/TBV (Annual)1.00x
Indicated Dividend (Annual)$1.24
Revenue Growth (3Y)5.13%
Cash Flow / Share (Quarterly)$0.67
Payout Ratio (TTM)34.96%
Price vs S&P 500 (YTD)7.33%
Net Profit Margin (TTM)24.71%
EPS (TTM)$3.68
10-Day Avg Trading Volume0.12M
EPS Excl Extra (TTM)$3.68
Revenue Growth (5Y)8.55%
EPS (Annual)$3.68
Dividend / Share (Annual)$1.31
ROI (Annual)9.69%
Net Profit Margin (5Y Avg)28.15%
Cash / Share (Quarterly)$12.47
P/E Basic Excl Extra (TTM)8.95x
Revenue Growth QoQ (YoY)47.41%
EPS Growth (5Y)9.15%
P/E Normalized (Annual)8.95x
ROA (Last FY)1.19%
Revenue Growth TTM (YoY)46.87%
EBITD / Share (TTM)$4.88
ROE (5Y Avg)8.99%
Operating Margin (TTM)29.41%
Cash Flow / Share (Annual)$0.67
P/B Ratio1.07x
P/B Ratio (Quarterly)1.00x
Net Income / Employee (Annual)$0
ROA (TTM)1.20%
EV / EBITDA (TTM)8.20x
EPS Incl Extra (Annual)$3.68
3-Month Avg Trading Volume0.15M
52-Week Price Return56.67%
EV / Free Cash Flow (Annual)61.38x
P/E Incl Extra (TTM)8.95x
Tangible BV / Share (Quarterly)$31.65
P/S Ratio (Annual)1.29x
52-Week High$35.47
EPS Excl Extra (Annual)$3.68
CapEx CAGR (5Y)5.23%
Tangible BV CAGR (5Y)6.35%
26-Week Price Return26.78%
13-Week Price Return9.94%
Total Debt / Equity (Annual)0.23x
Enterprise Value$813.572
Revenue / Share Growth (5Y)7.17%
Book Value / Share Growth (5Y)1.65%
Revenue / Employee (Annual)$329,442
Pretax Margin (Annual)33.22%
Cash / Share (Annual)$8.50
3-Month Return Std Dev26.10%
Net Income / Employee (TTM)$0
EBITDA CAGR (5Y)13.11%
EBITDA Interim CAGR (5Y)8.40%
ROE (Last FY)11.91%
EPS Basic Excl Extra (Annual)$3.68
P/FCF (TTM)23.53x
EV / Free Cash Flow (TTM)61.38x
Total Debt / Equity (Quarterly)0.23x
EPS Incl Extra (TTM)$3.68
ROI (TTM)10.73%
Dividend Growth Rate (5Y)3.14%
P/S Ratio (TTM)1.29x
Pretax Margin (5Y Avg)34.83%
Revenue / Share (Annual)$13.81
Tangible BV / Share (Annual)$31.65
Forward P/E8.74x
Free OCF CAGR (5Y)-19.50%
Price vs S&P 500 (52W)26.84%
P/E Ratio (TTM)8.95x
Year-to-Date Return9.98%
5-Day Price Return-0.32%
EPS Normalized (Annual)$3.68
ROA (5Y Avg)0.74%
Net Profit Margin (Annual)26.48%
Month-to-Date Return8.10%
Cash Flow / Share (TTM)$3.84
EBITD / Share (Annual)$4.88
EPS Growth (3Y)0.30%
Operating Margin (Annual)33.22%
LT Debt / Equity (Annual)0.23x
P/CF (TTM)35.63x
ROI (5Y Avg)7.34%
P/E Excl Extra (TTM)8.95x
LT Debt / Equity (Quarterly)0.23x
EPS Basic Excl Extra (TTM)$3.68
P/TBV (Quarterly)1.00x
Payout Ratio (Annual)34.96%
P/B Ratio (Annual)1.00x
Dividend / Share (TTM)$1.32
Pretax Margin (TTM)29.41%
Book Value / Share (Annual)$31.76
Price vs S&P 500 (13W)9.25%
Net Margin Growth (5Y)4.96%
Dividend Yield (TTM)3.91%
Beta0.68x
P/FCF (Annual)50.54x
Revenue / Share (TTM)$13.79
ROE (TTM)12.26%
52-Week Low$21.16
Analyst Recommendations
Jan 2026
Feb 2026
Mar 2026
Apr 2026
4.00
4.00
4.00
4.00
Industry Peers — National Banks(97)
| Symbol | P/B Ratio (Quarterly) | ROE (TTM) | ROA (TTM) | Net Interest Coverage (TTM) | Price |
|---|---|---|---|---|---|
FISIFinancial Institutions Inc | 1.00x | 12.26% | 1.20% | — | $34.24 |
JPMJPMorgan Chase & Co. | 2.17x | 16.32% | 1.28% | — | $309.95 |
BACBank of America Corporation | 1.16x | 10.50% | 0.92% | — | $53.51 |
WFCWells Fargo & Co. | 1.37x | 12.02% | 1.03% | — | $81.25 |
CCitigroup Inc. | 0.92x | 7.55% | 0.60% | — | $129.34 |
COFCapital One Financial | 1.36x | 2.44% | 0.40% | — | $200.71 |
MFGMizuho Financial Group, Inc. American Depositary Shares (Each representing one-fifth of an Ordinary Share) | 1.27x | 9.73% | 0.37% | — | $8.63 |
UBSUBS Group AG | 1.64x | 8.71% | 0.48% | — | $42.72 |
PNCPNC Financial Services Group | 1.35x | 11.88% | 1.23% | — | $220.07 |
USBU.S. Bancorp | 1.23x | 12.21% | 1.13% | — | $55.48 |
TFCTruist Financial Corporation | 0.97x | 8.15% | 0.98% | — | $49.43 |
About
Financial Institutions Inc is a regional financial holding company providing consumer and commercial banking services in Western and Central New York. The company serves individuals, municipalities, and businesses through its Banking segment, which encompasses all retail and commercial operations.