FISI Stock Analysis: Financial Institutions | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 768m USD | 12M Return: 49.9% | US3175854047 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 5.32M
EPS Trend: 63.0%
Qual. Beats: 0
Rev. Trend: -6.1%
Qual. Beats: -1
Warnings
Tailwinds
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Financial Institutions, Inc. (FISI) is a New York-based bank holding company that provides a full range of consumer, commercial, and municipal banking and financial services through its subsidiaries. Its deposit offerings include checking, savings, money market, NOW accounts, certificates of deposit, sweep investments, and retirement plan accounts, while its lending portfolio spans commercial term loans and lines of credit, working capital and equipment financing, commercial mortgages, residential mortgages, home equity loans and lines of credit, and a variety of consumer loans including auto, recreational vehicle, boat, and personal loans.
In addition to traditional banking, the company offers investment advisory, wealth management, investment consulting, and retirement plan services, and operates a real estate investment trust that holds residential mortgages and commercial real estate loans. Founded in 1817 and headquartered in Warsaw, New York, FISI operates as a community-focused regional bank, a business model that typically relies on local deposit gathering and relationship-based lending to fund loan growth and generate net interest income.
- Net interest margin compression as Fed cuts rates pressure yields
- Commercial loan growth drives balance sheet expansion in Upstate New York
- Wealth management fees offset deposit cost pressures from regional competition
| Net Income: 82.6m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.43 > 1.0 |
| NWC/Revenue: -1.71k% < 20% (prev -2.01k%; Δ 298.9% < -1%) |
| CFO/TA 0.01 > 3% & CFO 60.9m > Net Income 82.6m |
| Net Debt (263.3m) to EBITDA (51.6m): 5.10 < 3 |
| Current Ratio: 0.02 > 1.5 & < 3 |
| Outstanding Shares: last quarter (19.9m) vs 12m ago -1.79% < -2% |
| Gross Margin: 57.94% > 18% (prev 38.84%; Δ 19.10% > 0.5%) |
| Asset Turnover: 5.06% > 50% (prev 4.19%; Δ 0.87% > 0%) |
| Interest Coverage Ratio: 0.40 > 6 (EBIT TTM 49.2m / Interest Expense TTM 124.4m) |
| A: -0.85 (Total Current Assets 85.0m - Total Current Liabilities 5.47b) / Total Assets 6.34b |
| B: 0.07 (Retained Earnings 466.0m / Total Assets 6.34b) |
| C: 0.01 (EBIT TTM 49.2m / Avg Total Assets 6.24b) |
| D: 0.11 (Book Value of Equity 643.4m / Total Liabilities 5.69b) |
| Altman-Z'' = -5.17 = D |
| DSRI: 0.83 (Receivables 25.5m/24.9m, Revenue 315.6m/257.4m) |
| GMI: 0.67 (GM 38.84% / 57.94%) |
| AQI: 1.01 (AQ_t 0.98 / AQ_t-1 0.97) |
| SGI: 1.23 (Revenue 315.6m / 257.4m) |
| TATA: 0.00 (NI 82.6m - CFO 60.9m) / TA 6.34b) |
| Beneish M = -3.30 (Cap -4..+1) = AA |
As of October 06, 2026, the stock is trading at USD 39.63 with a total of 118,731 shares traded. Over the past week, the price has changed by +0.20%, over one month by -2.96%, over three months by +2.62% and over the past year by +49.89%.
Current recommended Stop Loss: 37.40 (which is 5.6% or 2.8 ATR below the current price).
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
| Analysts Target Price | 45 | 13.6% |
P/E Trailing = 9.6725
P/E Forward = 11.274
P/S = 3.1551
P/B = 1.2809
P/EG = 1.4095
Revenue TTM = 315.6m USD
EBIT TTM = 49.2m USD
EBITDA TTM = 51.6m USD
Long Term Debt = 78.7m USD (from longTermDebt, last quarter)
Short Term Debt = 182.0m USD (from shortTermDebt, last quarter)
Debt = 322.8m USD (from shortLongTermDebtTotal, last quarter) + Leases 31.9m
Net Debt = 263.3m USD (calculated: Debt 322.8m - CCE 59.6m)
Enterprise Value = 1.03b USD (768.2m + Debt 322.8m - CCE 59.6m)
Interest Coverage Ratio = 0.40 (Ebit TTM 49.2m / Interest Expense TTM 124.4m)
EV/FCF = 18.34x (Enterprise Value 1.03b / FCF TTM 56.2m)
FCF Yield = 5.45% (FCF TTM 56.2m / Enterprise Value 1.03b)
FCF Margin = 17.82% (FCF TTM 56.2m / Revenue TTM 315.6m)
Net Margin = 26.18% (Net Income TTM 82.6m / Revenue TTM 315.6m)
Gross Margin = 57.94% ((Revenue TTM 315.6m - Cost of Revenue TTM 132.7m) / Revenue TTM)
Gross Margin QoQ = -4.09% (prev 67.94%)
Tobins Q-Ratio = 0.16 (Enterprise Value 1.03b / Total Assets 6.34b)
Interest Expense / Debt = 38.52% (Interest Expense 124.4m / Debt 322.8m)
Taxrate = 17.10% (17.0m / 99.7m)
NOPAT = 40.8m (EBIT 49.2m * (1 - 17.10%))
Current Ratio = 0.02 (Total Current Assets 85.0m / Total Current Liabilities 5.47b)
Debt / Equity = 0.50 (Debt 322.8m / totalStockholderEquity, last quarter 643.4m)
Debt / EBITDA = 5.10 (Net Debt 263.3m / EBITDA 51.6m)
Debt / FCF = 4.68 (Net Debt 263.3m / FCF TTM 56.2m)
Total Stockholder Equity = 631.4m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.32% (Net Income 82.6m / Total Assets 6.34b)
RoE = 13.09% (Net Income TTM 82.6m / Total Stockholder Equity 631.4m)
RoCE = 6.93% (EBIT 49.2m / Capital Employed (Equity 631.4m + L.T.Debt 78.7m))
RoIC = 0.65% (NOPAT 40.8m / Invested Capital 6.32b)
WACC = 15.60% (E(768.2m)/V(1.09b) * Re(8.74%) + D(322.8m)/V(1.09b) * Rd(38.52%) * (1-Tc(0.17)))
Discount Rate = 8.74% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 84.44 | Cagr: 11.66%
[DCF] Terminal Value 58.08% ; FCFF base≈45.0m ; Y1≈51.6m ; Y5≈75.9m
[DCF] Fair Price = 11.78 (EV 495.4m - Net Debt 263.3m = Equity 232.1m / Shares 19.7m; r=15.60% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 62.95 | EPS CAGR: 9.39% | SUE: 0.32 | # QB: 0
Revenue Correlation: -6.10 | Revenue CAGR: -1.02% | SUE: -0.96 | # QB: -1
EPS current Quarter (2026-09-30): EPS=1.05 | Chg30d=+3.45% | Revisions=+40% | Analysts=2
EPS current Year (2026-12-31): EPS=4.19 | Chg30d=+4.36% | Revisions=+40% | GrowthEPS=+16.0% | GrowthRev=+6.5%
EPS next Year (2027-12-31): EPS=4.30 | Chg30d=+2.63% | Revisions=+40% | GrowthEPS=+2.6% | GrowthRev=+4.6%
[Analyst] Revisions Ratio: +67% (up=6, down=0)