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FINANCIAL INSTITUTIONS INC

Data quality: 83%
Also listed as FIISP Nasdaq
FIISO
Nasdaq Financial Services Depository Institutions
$122.70
$0.00 (0.00%)
Mkt Cap: 2.49 B
Price
$122.70
Mkt Cap
2.49 B
Day Range
$110.00 — $110.00
52-Week Range
$110.00 — $140.00
Volume
24
Open $110.00
50D / 200D Avg
$123.74
0.84% below
50D / 200D Avg
$126.17
2.75% below

Quick Summary

Key Takeaways

ROE of 12.24% — decent returns on equity
Debt/Equity of 0.27 — conservative balance sheet
Generating 13.25 M in free cash flow
P/E of 33.30 — premium valuation

Growth

Revenue Growth (5Y)
N/A
Revenue (1Y)N/A
Earnings (1Y)N/A
FCF Growth (3Y)29.51%

Quality

Return on Equity
12.24%
Above sector avg (10.70%)
ROICN/A
Net MarginN/A
Op. MarginN/A

Safety

Debt / Equity
0.27
Below sector avg (0.50)
Current RatioN/A
Interest CoverageN/A

Valuation

PE (TTM)
33.30
Above sector avg (12.63)
P/B Ratio4.01
EV/EBITDAN/A
Dividend YieldN/A

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (1096 peers)
Metric Stock Sector Median
P/E 33.3 12.6
P/B 4.0 1.4
ROE % 12.2 10.7
Net Margin % — 14.8
Rev Growth 5Y % — 6.4
D/E 0.3 0.5

All Fundamental Metrics
Growth
Revenue Growth (1Y) N/A Revenue Growth (3Y) N/A
Earnings Growth (1Y) N/A Earnings Growth (3Y) 22.04%
Revenue Growth (5Y) N/A Earnings Growth (5Y) -0.92%
Profitability
Revenue (TTM) N/A Net Income (TTM) 74.87 M
ROE 12.24% ROA 1.20%
Gross Margin N/A Operating Margin N/A
Net Margin N/A Free Cash Flow (TTM) 13.25 M
ROIC N/A FCF Growth (3Y) 29.51%
Safety
Debt / Equity 0.27 Current Ratio N/A
Interest Coverage N/A Asset Turnover N/A
Working Capital N/A Tangible Book Value 561.30 M
Dividends
Dividend Yield N/A Payout Ratio N/A
Dividend Growth (3Y) N/A Dividend Growth (5Y) N/A
Consecutive Div Years N/A
Valuation
P/E Ratio 33.30 Forward P/E N/A
P/B Ratio 4.01 P/S Ratio N/A
PEG Ratio N/A Forward PEG N/A
EV/EBITDA N/A Fwd EV/EBITDA N/A
Forward P/S N/A Fwd Earnings Yield N/A
FCF Yield 0.53%
Market Cap 2.49 B Enterprise Value 2.48 B
Per Share
EPS (Diluted TTM) 3.61 Revenue / Share N/A
FCF / Share 0.65 OCF / Share 0.93
EPS CAGR (1Y) N/A EPS CAGR (5Y) -6.78%
EPS CAGR (10Y) 6.20%
Efficiency
CapEx / Revenue N/A FCF Conversion 17.70%
SBC-Adj. FCF 10.54 M Growth Momentum N/A

Income Statement

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue — — — — —
Net Income 74.87 M -41.65 M 50.26 M 56.57 M 77.70 M
EPS (Diluted) 3.61 -2.75 3.15 3.56 4.78
Gross Profit — — — — —
Operating Income — — — — —
EBITDA — — — — —
R&D Expenses — — — — —
SG&A Expenses — — — — —
D&A 7.88 M 7.68 M 8.09 M 8.11 M 8.05 M
Interest Expense 199.99 M 163.59 M 120.42 M 28.74 M 12.48 M
Income Tax 16.49 M -26.50 M 12.79 M 14.40 M 19.53 M

Balance Sheet

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 6.27 B 6.12 B 6.16 B 5.80 B 5.52 B
Total Liabilities 5.65 B 5.55 B 5.71 B 5.39 B 5.02 B
Shareholders' Equity 628.85 M 568.98 M 454.80 M 405.61 M 505.14 M
Total Debt 302.65 M 223.84 M 309.53 M 279.22 M 103.91 M
Cash & Equivalents 108.75 M 87.32 M — — —
Current Assets — — — — —
Current Liabilities — — — — —