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Financial Institutions, Inc.

Calidad de datos: 100%
FISI
NASDAQ Financial Services Banks - Regional
$31.25
▼ $0.15 (-0.48%)
Cap. Mercado: 629.08M
Rango del Día
$30.97 $31.70
Rango de 52 Semanas
$20.97 $35.47
Volumen
71,626
Promedio 50D / 200D
$32.37 / $28.97
Cierre Anterior
$31.40

Quick Summary

Historial de Precios

Tendencias Financieras

Comparación con Pares

vs mediana del sector Financial Services (854 pares)

Métrica Acción Mediana del Sector
P/E 8.4 10.3
P/B 1.0 1.1
ROE % 12.5 11.7
Net Margin % 19.8 16.9
Rev Growth 5Y % 15.6 11.6
D/E 0.5 0.5

Precio Objetivo de Analistas

Hold
$36.00 +15.2%
P/E Futuro
7.99
EPS Futuro
$3.92
Crecimiento EPS (est.)
+0.0%
Ingresos Est.
258.84M

Estimaciones de Ganancias

Período EPS Est. Ingresos Est. Analistas
FY2027 $4.15
$4.14 – $4.16
271.09M 1
FY2026 $3.92
$3.90 – $3.93
258.84M 1

Dividend History

7 yr streak

Yield

0.04%

Payout Ratio

0.35%

Growth (3Y)

2.25%

Growth (5Y)

3.58%

Ex-Date Payment Date Amount Yield
Mar 13, 2026 Apr 02, 2026 $0.32 4.13%
Dec 15, 2025 Jan 02, 2026 $0.31 3.83%
Sep 15, 2025 Oct 02, 2025 $0.31 4.63%
Jun 13, 2025 Jul 02, 2025 $0.31 4.89%
Mar 14, 2025 Apr 02, 2025 $0.31 4.64%
Dec 13, 2024 Jan 02, 2025 $0.30 4.16%
Sep 13, 2024 Oct 02, 2024 $0.30 4.69%
Jun 14, 2024 Jul 02, 2024 $0.30 7.02%
Mar 14, 2024 Apr 02, 2024 $0.30 6.57%
Dec 13, 2023 Jan 02, 2024 $0.30 5.80%
Sep 13, 2023 Oct 02, 2023 $0.30 6.99%
Jun 14, 2023 Jul 03, 2023 $0.30 7.07%
Mar 15, 2023 Apr 03, 2023 $0.30 5.57%
Dec 15, 2022 Jan 03, 2023 $0.29 4.85%
Sep 15, 2022 Oct 03, 2022 $0.29 4.57%
Jun 16, 2022 Jul 05, 2022 $0.29 4.35%
Mar 17, 2022 Apr 04, 2022 $0.29 3.44%
Dec 16, 2021 Jan 03, 2022 $0.27 3.38%
Sep 16, 2021 Oct 04, 2021 $0.27 3.69%
Jun 17, 2021 Jul 02, 2021 $0.27 3.38%

Puntos Clave

Revenue grew 15.55% annually over 5 years — strong growth
ROE of 12.50% — decent returns on equity
Net margin of 19.81% shows strong profitability
Generating 13.60M in free cash flow
P/E of 8.40 — trading at a low valuation
Revenue growth is accelerating — 1Y growth exceeds 5Y average by 27.52%

Crecimiento

Revenue Growth (5Y)
15.55%
Revenue (1Y)43.07%
Earnings (1Y)N/A
FCF Growth (3Y)31.20%

Calidad

Return on Equity
12.50%
ROIC7.11%
Net Margin19.81%
Op. Margin24.17%

Seguridad

Debt / Equity
0.53
Current Ratio1.00
Interest Coverage0.69

Valoración

P/E Ratio
8.40
Forward P/E7.99
P/B Ratio1.00
EV/EBITDA9.35
Dividend Yield0.04%

All Fundamental Metrics

Growth
Revenue Growth (1Y) 43.07% Revenue Growth (3Y) 6.60%
Earnings Growth (1Y) N/A Earnings Growth (3Y) 22.04%
Revenue Growth (5Y) 15.55% Earnings Growth (5Y) -0.92%
Profitability
Revenue (TTM) 377.94M Net Income (TTM) 74.87M
ROE 12.50% ROA 1.19%
Gross Margin 61.73% Operating Margin 24.17%
Net Margin 19.81% Free Cash Flow (TTM) 13.60M
ROIC 7.11% FCF Growth (3Y) 31.20%
Safety
Debt / Equity 0.53 Current Ratio 1.00
Interest Coverage 0.69
Dividends
Dividend Yield 0.04% Payout Ratio 0.35%
Dividend Growth (3Y) 2.25% Dividend Growth (5Y) 3.58%
Consecutive Div Years 7 yrs
Valuation
P/E Ratio 8.40 Forward P/E 7.99
P/B Ratio 1.00 P/S Ratio 1.66
PEG Ratio -0.04 Forward PEG N/A
EV/EBITDA 9.35 Fwd EV/EBITDA 15.70
Forward P/S 2.43 Fwd Earnings Yield 12.52%
FCF Yield 2.16%
Market Cap 629.08M Enterprise Value 854.56M

Income Statement

Annual, most recent first

Income statement data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 377.94M 264.17M 332.59M 241.09M 212.03M
Net Income 74.87M -41.65M 50.26M 56.57M 77.70M
EPS (Diluted) 3.61 -2.75 3.15 3.56 4.78
Gross Profit 233.32M 88.04M 197.29M 198.25M 207.89M
Operating Income 91.35M -68.15M 63.05M 70.97M 97.22M

Balance Sheet

Annual, most recent first

Balance sheet data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 6.27B 6.12B 6.16B 5.80B 5.52B
Total Liabilities 5.65B 5.55B 5.71B 5.39B 5.02B
Shareholders' Equity 628.85M 568.98M 454.80M 405.61M 505.14M
Total Debt 334.23M 256.61M 343.32M 312.45M 103.91M
Cash & Equivalents 108.75M 87.32M 124.44M 130.47M 79.11M
Current Assets 108.75M 111.08M 1.04B 1.10B 1.31B
Current Liabilities 109.00M 5.23B 5.42B 5.14B 4.86B