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Financial Institutions, Inc.

Datakwaliteit: 100%
FISI
NASDAQ Financial Services Banks - Regional
€ 31,30
▲ € 0,71 (2,32%)
Marktkapitalisatie: 630,09M
Dagbereik
€ 30,66 € 31,98
52-Weeksbereik
€ 20,97 € 35,47
Volume
160.271
50D / 200D Gem.
€ 32,37 / € 28,97
Vorige Slotkoers
€ 30,59

Koershistorie

Financiële Trends

Sectorvergelijking

vs Financial Services sector mediaan (854 peers)

Metriek Aandeel Sector Mediaan
P/E 8,4 10,3
P/B 1,0 1,1
ROE % 12,5 11,7
Net Margin % 19,8 16,8
Rev Growth 5Y % 15,6 11,7
D/E 0,5 0,5

Koersdoel Analisten

Hold
€ 36,00 +15.0%
Forward K/W
8,0
Forward WPA
€ 3,92
WPA Groei (sch.)
+0,0%
Omzet Sch.
260 M

Winstschattingen

Periode WPA Sch. Omzet Sch. Analisten
FY2027 € 4,15
€ 4,14 – € 4,16
270 M 1
FY2026 € 3,92
€ 3,90 – € 3,93
260 M 1

Belangrijkste Punten

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 8,42 — trading at a low valuation
Revenue growth is accelerating — 1Y growth exceeds 5Y average by 27,52%

Groei

Revenue Growth (5Y)
15,55%
Revenue (1Y)43,07%
Earnings (1Y)N/A
FCF Growth (3Y)31,20%

Kwaliteit

Return on Equity
12,50%
ROIC7,11%
Net Margin19,81%
Op. Margin24,17%

Veiligheid

Debt / Equity
0,53
Current Ratio1,00
Interest Coverage0,69

Waardering

P/E Ratio
8,42
P/B Ratio1,00
EV/EBITDA9,37
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 Dividend Yield 0,04%
Valuation
P/E Ratio 8,42 P/B Ratio 1,00
P/S Ratio 1,67 PEG Ratio -0,04
EV/EBITDA 9,37 Dividend Yield 0,04%
Market Cap 630,09M Enterprise Value 855,56M

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