(FISI) Financial Institutions - Overview
Exchange: NASDAQ •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US3175854047
Stock: Checking, Savings, Commercial, Mortgage, Advisory
Total Rating 39
Risk 79
Buy Signal 0.45
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 4.56% |
| Yield on Cost 5y | 6.16% |
| Yield CAGR 5y | 3.51% |
| Payout Consistency | 96.3% |
| Payout Ratio | 34.4% |
| Risk 5d forecast | |
|---|---|
| Volatility | 33.9% |
| Relative Tail Risk | -17.7% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.88 |
| Alpha | 17.74 |
| Character TTM | |
|---|---|
| Beta | 0.866 |
| Beta Downside | 1.049 |
| Drawdowns 3y | |
|---|---|
| Max DD | 39.72% |
| CAGR/Max DD | 0.48 |
Description: FISI Financial Institutions December 27, 2025
Financial Institutions, Inc. (NASDAQ:FISI) operates as a full-service regional bank headquartered in Warsaw, New York, offering a suite of consumer, commercial, and municipal banking products. Its portfolio includes checking and savings accounts, money-market and CD offerings, a range of loan products-from residential mortgages and home-equity lines to commercial term loans and equipment financing-and wealth-management services such as investment advisory and retirement plan consulting. The firm also owns a real-estate investment trust (REIT) that holds residential mortgage and commercial-loan assets.
Key recent metrics underscore its positioning: FY 2023 net interest income rose 6% year-over-year to $210 million, while the loan-to-deposit ratio stabilized at 78%, reflecting prudent balance-sheet management. The bank’s net interest margin (NIM) sits at 3.1%, marginally above the regional-bank average, and its loan growth is driven largely by New York’s commercial-real-estate sector, which remains sensitive to Federal Reserve rate policy and state-level employment trends.
For a deeper, data-rich view of FISI’s valuation dynamics, you may find ValueRay’s analytical platform a useful next step.
Piotroski VR‑10 (Strict, 0-10) 1.0
| Net Income: -27.9m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.00 > 0.02 and ΔFCF/TA 0.48 > 1.0 |
| NWC/Revenue: 366.7% < 20% (prev -1387 %; Δ 1753 % < -1%) |
| CFO/TA 0.00 > 3% & CFO 24.4m > Net Income -27.9m |
| Net Debt/EBITDA: error (EBITDA <= 0) |
| Current Ratio: 11.54 > 1.5 & < 3 |
| Outstanding Shares: last fiscal year (15.7m) vs prev 1.34% < -2% |
| Gross Margin: 42.94% > 18% (prev 0.53%; Δ 4241 % > 0.5%) |
| Asset Turnover: 4.52% > 50% (prev 6.03%; Δ -1.51% > 0%) |
| Interest Coverage Ratio: -0.35 > 6 (EBITDA TTM -40.3m / Interest Expense TTM 137.1m) |
Altman Z'' 1.38
| A: 0.17 (Total Current Assets 1.07b - Total Current Liabilities 92.8m) / Total Assets 5.68b |
| B: 0.07 (Retained Earnings 388.7m / Total Assets 5.68b) |
| C: -0.01 (EBIT TTM -47.9m / Avg Total Assets 5.90b) |
| D: 0.07 (Book Value of Equity 336.3m / Total Liabilities 4.50b) |
| Altman-Z'' Score: 1.38 = BB |
Beneish M -2.82
| DSRI: 1.38 (Receivables 23.7m/23.7m, Revenue 266.7m/369.2m) |
| GMI: 1.23 (GM 42.94% / 52.66%) |
| AQI: 0.82 (AQ_t 0.80 / AQ_t-1 0.97) |
| SGI: 0.72 (Revenue 266.7m / 369.2m) |
| TATA: -0.01 (NI -27.9m - CFO 24.4m) / TA 5.68b) |
| Beneish M-Score: -2.82 (Cap -4..+1) = A |
What is the price of FISI shares?
As of February 08, 2026, the stock is trading at USD 35.14 with a total of 255,536 shares traded.
Over the past week, the price has changed by +6.68%, over one month by +11.80%, over three months by +21.99% and over the past year by +29.75%.
Over the past week, the price has changed by +6.68%, over one month by +11.80%, over three months by +21.99% and over the past year by +29.75%.
Is FISI a buy, sell or hold?
Financial Institutions has received a consensus analysts rating of 4.00.
Therefore, it is recommended to buy FISI.
- StrongBuy: 0
- Buy: 2
- Hold: 0
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the FISI price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 34.5 | -1.8% |
| Analysts Target Price | 34.5 | -1.8% |
| ValueRay Target Price | 38.9 | 10.8% |
FISI Fundamental Data Overview February 01, 2026
P/S = 5.6804
P/B = 1.0789
P/EG = 1.91
Revenue TTM = 266.7m USD
EBIT TTM = -47.9m USD
EBITDA TTM = -40.3m USD
Long Term Debt = 124.8m USD (from longTermDebt, last fiscal year)
Short Term Debt = 92.8m USD (from shortTermDebt, last quarter)
Debt = 92.8m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 92.8m USD (from netDebt column, last quarter)
Enterprise Value = -314.8m USD (663.1m + Debt 92.8m - CCE 1.07b)
Interest Coverage Ratio = -0.35 (Ebit TTM -47.9m / Interest Expense TTM 137.1m)
EV/FCF = -13.11x (Enterprise Value -314.8m / FCF TTM 24.0m)
FCF Yield = -7.63% (FCF TTM 24.0m / Enterprise Value -314.8m)
FCF Margin = 9.00% (FCF TTM 24.0m / Revenue TTM 266.7m)
Net Margin = -10.47% (Net Income TTM -27.9m / Revenue TTM 266.7m)
Gross Margin = 42.94% ((Revenue TTM 266.7m - Cost of Revenue TTM 152.2m) / Revenue TTM)
Gross Margin QoQ = 63.11% (prev 60.78%)
Tobins Q-Ratio = -0.06 (set to none) (Enterprise Value -314.8m / Total Assets 5.68b)
Interest Expense / Debt = 35.16% (Interest Expense 32.6m / Debt 92.8m)
Taxrate = 18.86% (4.76m / 25.2m)
NOPAT = -38.9m (EBIT -47.9m * (1 - 18.86%)) [loss with tax shield]
Current Ratio = 11.54 (Total Current Assets 1.07b / Total Current Liabilities 92.8m)
Debt / Equity = 0.08 (Debt 92.8m / totalStockholderEquity, last quarter 1.18b)
Debt / EBITDA = -2.31 (negative EBITDA) (Net Debt 92.8m / EBITDA -40.3m)
Debt / FCF = 3.87 (Net Debt 92.8m / FCF TTM 24.0m)
Total Stockholder Equity = 747.1m (last 4 quarters mean from totalStockholderEquity)
RoA = -0.47% (Net Income -27.9m / Total Assets 5.68b)
RoE = -3.74% (Net Income TTM -27.9m / Total Stockholder Equity 747.1m)
RoCE = -5.49% (EBIT -47.9m / Capital Employed (Equity 747.1m + L.T.Debt 124.8m))
RoIC = -5.01% (negative operating profit) (NOPAT -38.9m / Invested Capital 775.8m)
WACC = 11.49% (E(663.1m)/V(755.9m) * Re(9.11%) + D(92.8m)/V(755.9m) * Rd(35.16%) * (1-Tc(0.19)))
Discount Rate = 9.11% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 81.65 | Cagr: 3.28%
[DCF Debug] Terminal Value 56.31% ; FCFF base≈24.0m ; Y1≈15.8m ; Y5≈7.19m
Fair Price DCF = N/A (negative equity: EV 88.8m - Net Debt 92.8m = -4.05m; debt exceeds intrinsic value)
EPS Correlation: -2.89 | EPS CAGR: 0.85% | SUE: 0.08 | # QB: 0
Revenue Correlation: -16.88 | Revenue CAGR: 18.67% | SUE: -3.40 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.88 | Chg30d=-0.060 | Revisions Net=-2 | Analysts=1
EPS current Year (2026-12-31): EPS=3.84 | Chg30d=-0.090 | Revisions Net=-1 | Growth EPS=+6.3% | Growth Revenue=+5.0%
EPS next Year (2027-12-31): EPS=4.08 | Chg30d=-0.075 | Revisions Net=+0 | Growth EPS=+6.1% | Growth Revenue=+5.5%
P/B = 1.0789
P/EG = 1.91
Revenue TTM = 266.7m USD
EBIT TTM = -47.9m USD
EBITDA TTM = -40.3m USD
Long Term Debt = 124.8m USD (from longTermDebt, last fiscal year)
Short Term Debt = 92.8m USD (from shortTermDebt, last quarter)
Debt = 92.8m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 92.8m USD (from netDebt column, last quarter)
Enterprise Value = -314.8m USD (663.1m + Debt 92.8m - CCE 1.07b)
Interest Coverage Ratio = -0.35 (Ebit TTM -47.9m / Interest Expense TTM 137.1m)
EV/FCF = -13.11x (Enterprise Value -314.8m / FCF TTM 24.0m)
FCF Yield = -7.63% (FCF TTM 24.0m / Enterprise Value -314.8m)
FCF Margin = 9.00% (FCF TTM 24.0m / Revenue TTM 266.7m)
Net Margin = -10.47% (Net Income TTM -27.9m / Revenue TTM 266.7m)
Gross Margin = 42.94% ((Revenue TTM 266.7m - Cost of Revenue TTM 152.2m) / Revenue TTM)
Gross Margin QoQ = 63.11% (prev 60.78%)
Tobins Q-Ratio = -0.06 (set to none) (Enterprise Value -314.8m / Total Assets 5.68b)
Interest Expense / Debt = 35.16% (Interest Expense 32.6m / Debt 92.8m)
Taxrate = 18.86% (4.76m / 25.2m)
NOPAT = -38.9m (EBIT -47.9m * (1 - 18.86%)) [loss with tax shield]
Current Ratio = 11.54 (Total Current Assets 1.07b / Total Current Liabilities 92.8m)
Debt / Equity = 0.08 (Debt 92.8m / totalStockholderEquity, last quarter 1.18b)
Debt / EBITDA = -2.31 (negative EBITDA) (Net Debt 92.8m / EBITDA -40.3m)
Debt / FCF = 3.87 (Net Debt 92.8m / FCF TTM 24.0m)
Total Stockholder Equity = 747.1m (last 4 quarters mean from totalStockholderEquity)
RoA = -0.47% (Net Income -27.9m / Total Assets 5.68b)
RoE = -3.74% (Net Income TTM -27.9m / Total Stockholder Equity 747.1m)
RoCE = -5.49% (EBIT -47.9m / Capital Employed (Equity 747.1m + L.T.Debt 124.8m))
RoIC = -5.01% (negative operating profit) (NOPAT -38.9m / Invested Capital 775.8m)
WACC = 11.49% (E(663.1m)/V(755.9m) * Re(9.11%) + D(92.8m)/V(755.9m) * Rd(35.16%) * (1-Tc(0.19)))
Discount Rate = 9.11% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 81.65 | Cagr: 3.28%
[DCF Debug] Terminal Value 56.31% ; FCFF base≈24.0m ; Y1≈15.8m ; Y5≈7.19m
Fair Price DCF = N/A (negative equity: EV 88.8m - Net Debt 92.8m = -4.05m; debt exceeds intrinsic value)
EPS Correlation: -2.89 | EPS CAGR: 0.85% | SUE: 0.08 | # QB: 0
Revenue Correlation: -16.88 | Revenue CAGR: 18.67% | SUE: -3.40 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.88 | Chg30d=-0.060 | Revisions Net=-2 | Analysts=1
EPS current Year (2026-12-31): EPS=3.84 | Chg30d=-0.090 | Revisions Net=-1 | Growth EPS=+6.3% | Growth Revenue=+5.0%
EPS next Year (2027-12-31): EPS=4.08 | Chg30d=-0.075 | Revisions Net=+0 | Growth EPS=+6.1% | Growth Revenue=+5.5%