← Back to Screener
Financial Institutions Inc (FISI)
Price$35.73
Value ScoreB
Growth ScoreC
Momentum ScoreA
Favorite Metrics
Price vs S&P 500 (26W)11.19%
Price vs S&P 500 (4W)0.07%
VGM Score63.67
Market Capitalization$703.79M
P/E Ratio (Annual)9.40x
Indicated Dividend Yield (Annual)3.53%
All Metrics
P/CF (Annual)37.43x
Book Value / Share (Quarterly)$32.09
P/TBV (Annual)1.00x
Indicated Dividend (Annual)$1.28
Revenue Growth (3Y)5.13%
Cash Flow / Share (Quarterly)$1.38
Payout Ratio (TTM)33.42%
Price vs S&P 500 (YTD)5.30%
Net Profit Margin (TTM)24.71%
EPS (TTM)$3.91
10-Day Avg Trading Volume0.09M
EPS Excl Extra (TTM)$3.91
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)8.91x
Revenue Growth QoQ (YoY)47.41%
EPS Growth (5Y)9.15%
P/E Normalized (Annual)9.40x
ROA (Last FY)1.19%
Revenue Growth TTM (YoY)46.87%
EBITD / Share (TTM)$5.43
ROE (5Y Avg)8.99%
Operating Margin (TTM)29.41%
Cash Flow / Share (Annual)$0.67
P/B Ratio1.11x
P/B Ratio (Quarterly)0.99x
Net Income / Employee (Annual)$118,600
ROA (TTM)1.26%
EPS Growth QoQ (YoY)26.61%
EV / EBITDA (TTM)7.50x
EPS Incl Extra (Annual)$3.68
3-Month Avg Trading Volume0.14M
52-Week Price Return40.86%
EV / Free Cash Flow (Annual)59.03x
P/E Incl Extra (TTM)8.91x
Tangible BV / Share (Quarterly)$31.98
P/S Ratio (Annual)1.29x
52-Week High$36.53
EPS Excl Extra (Annual)$3.68
CapEx CAGR (5Y)5.23%
Tangible BV CAGR (5Y)6.35%
26-Week Price Return27.12%
13-Week Price Return10.12%
Total Debt / Equity (Annual)0.23x
Enterprise Value$782.41M
Revenue / Share Growth (5Y)7.17%
Book Value / Share Growth (5Y)1.65%
Revenue / Employee (Annual)$329,441,800,000
Pretax Margin (Annual)33.22%
Cash / Share (Annual)$8.50
3-Month Return Std Dev22.57%
Net Income / Employee (TTM)$125,200
EBITDA CAGR (5Y)8.45%
EBITDA Interim CAGR (5Y)4.41%
ROE (Last FY)11.91%
EPS Basic Excl Extra (Annual)$3.68
P/FCF (TTM)16.63x
EV / Free Cash Flow (TTM)28.87x
Total Debt / Equity (Quarterly)0.12x
EPS Incl Extra (TTM)$3.91
ROI (TTM)11.14%
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/E8.89x
Free OCF CAGR (5Y)-19.50%
Price vs S&P 500 (52W)12.66%
P/E Ratio (TTM)8.91x
Year-to-Date Return16.23%
5-Day Price Return2.46%
EPS Normalized (Annual)$3.68
ROA (5Y Avg)0.74%
Net Profit Margin (Annual)26.48%
Month-to-Date Return6.34%
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)21.66x
ROI (5Y Avg)7.34%
P/E Excl Extra (TTM)8.91x
LT Debt / Equity (Quarterly)0.12x
EPS Basic Excl Extra (TTM)$3.91
P/TBV (Quarterly)0.99x
Payout Ratio (Annual)34.96%
P/B Ratio (Annual)1.00x
Dividend / Share (TTM)$1.33
Pretax Margin (TTM)29.41%
Book Value / Share (Annual)$31.76
Price vs S&P 500 (13W)0.38%
Net Margin Growth (5Y)4.96%
Dividend Yield (TTM)3.75%
Beta0.68x
P/FCF (Annual)53.10x
Revenue / Share (TTM)$13.79
ROE (TTM)12.72%
52-Week Low$24.41
vGradeB
gGradeC
mGradeA
vgmGradeB
Show chart for
Earnings Surprise History
Q1 261.04est. 0.94
Analyst Recommendations
Feb 2026
Mar 2026
Apr 2026
May 2026
4.00
4.00
4.00
4.00
Industry Peers — National Banks(117)
| Symbol | Value Score | Growth Score | Momentum Score | Price |
|---|---|---|---|---|
FISIFinancial Institutions Inc | B | C | A | $35.73 |
| JPMJPMorgan Chase & Co. | D | C | D | $296.58 |
| BACBank of America Corporation | C | C | D | $51.51 |
| WFCWells Fargo & Co. | D | C | D | $77.17 |
| CCitigroup Inc. | C | C | A | $129.09 |
| COFCapital One Financial | C | D | F | $184.56 |
| UBSUBS Group AG | C | C | B | $47.99 |
| MFGMizuho Financial Group, Inc. American Depositary Shares (Each representing one-fifth of an Ordinary Share) | D | B | B | $9.03 |
| PNCPNC Financial Services Group | C | C | C | $216.07 |
| USBU.S. Bancorp | C | C | C | $53.55 |
| TFCTruist Financial Corporation | B | C | D | $46.87 |
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.