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- Ticker
- FISI
- Price
- 24.60
- Stock movement down
- -0.05 (-0.19%)
- Company name
- Financial Institutions Inc
- Exchange
- (NASDAQ ,
- Currency
- USD )
- Sector
- Financial Services >Banks - Regional
- Market cap
- 521.36M
- Ent value
- 5.93B
- Price/Sales
- 1.41
- Price/Book
- 1.04
- Div yield
- 4.79%
- Div growth
- 4.56%
- Growth years
- 10
- FCF payout
- -34.85%
- Trailing P/E
- 10.23
- Forward P/E
- 6.68
- PEG
- 1.28
- EPS growth
- 5.57%
- 1 year return
- 5.37%
- 3 year return
- -2.72%
- 5 year return
- 7.98%
- 10 year return
- 0.73%
Last updated: 2025-09-12
iO Charts is a Seeking Alpha partner
iO Charts is a Seeking Alpha partner
DIVIDENDS
Dividend yield - 5y
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Dividend yield data
| Dividend per share | 1.24 |
| Dividend yield | 4.79% |
| Payout frequency | Quarterly |
| Maximum yield | 7.95% |
| Average yield | 5.01% |
| Minimum yield | 3.23% |
| Discount to avg yield | -4.73% |
| Upside potential | -4.52% |
| Yield as % of max yield | 60.20% |
Yield distribution (inverse percentile) - 5y
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Yield distribution data
| Dividend yield | 4.79% |
| Current yield distribution | 45.79% |
| Yield at 100% (Min) | 3.23% |
| Yield at 90% | 3.50% |
| Yield at 80% | 3.72% |
| Yield at 50% (Median) | 4.72% |
| Yield at 20% | 6.43% |
| Yield at 10% | 6.90% |
| Yield at 0% (Max) | 7.95% |
Dividend per share
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Dividend per share data
| Years of growth | 10 years |
| CCC status | Dividend Contender |
| Dividend per share | 1.24 |
| Payout frequency | Quarterly |
| Ex-div date | 15 Sep 2025 |
| EPS (TTM) | 3.26 |
| EPS (1y forward) | 3.88 |
| EPS growth (5y) | 5.57% |
| EPS growth (5y forward) | 8.00% |
Dividend growth
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Dividend growth data
| FISI | S&P500 | |
| DGR MR | 3.33% | -13.74% |
| DGR TTM | 2.50% | 6.60% |
| DGR 3 years | 4.89% | 5.24% |
| DGR 5 years | 4.56% | 5.40% |
| DGR 10 years | 4.95% | 7.07% |
| DGR 15 years | 5.47% | 6.12% |
| Time since last change announced | 256 days |
| EPS growth (5y) | 5.57% |
| EPS growth (5y forward) | 8.00% |
Payout ratio
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Payout ratio data
| EPS coverage | FCF coverage | |
| TTM | 39.17% | -34.85% |
| Average | 40.88% | 32.18% |
| Forward | 31.96% | - |
iO Charts is a Seeking Alpha partner
iO Charts is a Seeking Alpha partner
VALUATION
Valuation Ratios
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Valuation Ratios data
| Trailing P/E | 10.23 |
| Price to OCF | 232.85 |
| Price to FCF | - |
| Price to EBITDA | 10.75 |
| EV to EBITDA | 122.17 |
Valuation (Sales/Book Value)
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Valuation (Sales/Book Value) data
| Price to Sales | 1.41 |
| Price to Book | 1.04 |
| EV to Sales | 16.09 |
iO Charts is a Seeking Alpha partner
iO Charts is a Seeking Alpha partner
FINANCIALS
Per share
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Per share data
| Current share count | 20.13M |
| EPS (TTM) | 3.26 |
| FCF per share (TTM) | -3.66 |
Income statement
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Income statement data
| Revenue (TTM) | 368.47M |
| Gross profit (TTM) | 368.47M |
| Operating income (TTM) | 66.35M |
| Net income (TTM) | 50.95M |
| EPS (TTM) | 3.26 |
| EPS (1y forward) | 3.88 |
Margins
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Margins data
| Gross margin (TTM) | 100.00% |
| Operating margin (TTM) | 18.01% |
| Profit margin (TTM) | 13.83% |
Balance Sheet
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Balance Sheet data
| Cash | 249.57M |
| Net receivables | 23.70M |
| Total current assets | 1.39B |
| Goodwill | 58.12M |
| Intangible assets | 2.75M |
| Property, plant and equipment | 71.62M |
| Total assets | 6.16B |
| Accounts payable | 27.45M |
| Short/Current long term debt | 212.96M |
| Total current liabilities | 82.45M |
| Total liabilities | 5.66B |
| Shareholder's equity | 500.34M |
| Net tangible assets | 0.00 |
Cash flow
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Cash flow data
| Operating cash flow (TTM) | 2.24M |
| Capital expenditures (TTM) | 59.49M |
| Free cash flow (TTM) | -57.25M |
| Dividends paid (TTM) | 19.95M |
Financial returns
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Financial returns data
| Return on Equity | 10.18% |
| Return on Assets | 0.83% |
| Return on Invested Capital | 7.49% |
| Cash Return on Invested Capital | -8.42% |
iO Charts is a Seeking Alpha partner
iO Charts is a Seeking Alpha partner
STOCK INFORMATION
Stock chart
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Stock price data
| Open | 26.51 |
| Daily high | 26.51 |
| Daily low | 25.80 |
| Daily Volume | 63K |
| All-time high | 38.72 |
| 1y analyst estimate | 34.00 |
| Beta | 0.81 |
| EPS (TTM) | 3.26 |
| Dividend per share | 1.24 |
| Ex-div date | 15 Sep 2025 |
| Next earnings date | 23 Oct 2025 |
Downside potential
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Downside potential data
| FISI | S&P500 | |
| Current price drop from All-time high | -33.11% | -1.46% |
| Highest price drop | -91.48% | -56.47% |
| Date of highest drop | 27 Feb 2009 | 9 Mar 2009 |
| Avg drop from high | -38.18% | -10.99% |
| Avg time to new high | 135 days | 12 days |
| Max time to new high | 5864 days | 1805 days |
iO Charts is a Seeking Alpha partner
iO Charts is a Seeking Alpha partner
COMPANY DETAILS
Marketcap
521.36M
Marketcap category
Small-cap
Description
Financial Institutions, Inc., through its subsidiaries, provides banking and financial services to consumer, commercial, and municipal customers in New York. The company provides checking and savings account programs, including money market accounts, certificates of deposit, sweep investments, and individual retirement and other qualified plan accounts, as well as NOW accounts. It also offers commercial loan products include term loans and lines of credit; short and medium-term commercial loans for working capital, business expansion, and purchase of equipment; commercial business loans; commercial mortgage loans; one-to-four family residential mortgage loans; home improvement loans, closed-end home equity loans, and home equity lines of credit; and consumer loans, such as automobile, secured installment, and other secured and unsecured personal loans, as well as recreational vehicle, boat, and deposit account collateralized loans. In addition, it offers customized investment advisory, wealth management, investment consulting, and retirement plan services, as well as operates a real estate investment trust that holds residential mortgages and commercial real estate loans. Financial Institutions, Inc. was founded in 1817 and is headquartered in Warsaw, New York.
Employees
598
SEC filings
CEO
Country
USA
City
Stock type
Common stock
CCC status
Dividend Contender
Dividend Frequency
Quarterly
EVENTS AND PRESENTATIONS
EventsPresentations
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iO Charts is a Seeking Alpha partner
iO Charts is a Seeking Alpha partner
UNDERSTAND THE BUSINESS
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COMPANY NEWS
Seeking AlphaPress releases
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