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Financial institutions, inc.FISI.US Overview

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FISI Recent Performance

0.86%

Financial institutions, inc.

1.79%

Avg of Sector

-0.31%

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FISI Key Information

FISI Financial Forecast

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QuarterlyEPS ForecastQoQMaxMin
2026Q1
2026Q2
2026Q3
2026Q4
2027Q1

FISI Profile

Financial Institutions, Inc. operates as a holding company for the Five Star Bank, a chartered bank that provides banking and financial services to individuals, municipalities, and businesses in New York. The company offers checking and savings account programs, including money market accounts, certificates of deposit, sweep investments, and individual retirement and other qualified plan accounts. Its 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 to the agricultural industry; 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 personal loans. The company also provides personal insurance products, including automobile, homeowners, boat, recreational vehicle, landlord, and umbrella coverage; commercial insurance comprising property, liability, automobile, inland marine, workers compensation, bonds, crop, and umbrella insurance products; and financial services comprising life and disability insurance, medicare supplements, long-term care, annuities, mutual funds, and retirement programs. 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. The company operates a network of 48 banking offices in Allegany, Cattaraugus, Cayuga, Chautauqua, Chemung, Erie, Genesee, Livingston, Monroe, Ontario, Orleans, Seneca, Schuyler, Steuben, Wayne, Wyoming, and Yates counties, New York. Financial Institutions, Inc. was founded in 1817 and is headquartered in Warsaw, New York.

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FISI FAQ

This disclaimer is provided by TradingValley Inc. and includes any messages, news, research, analysis, prices or other information provided by the Company's website, the application "Growin App" and other services provided through the Company's website. It is only general market information for educational and investment decision-making reference, and does not constitute any investment advice. View Growin Disclaimer

FISI Earnings Table

Unit : USD

QTRNon-GAAP EPSEPS YoYEPS Surprise %SalesSales YoYSales Surprise %NPM
Current
2025Q4
2025Q3
2025Q2
2025Q1
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
3.72
PE Ratio (TTM)
8.69
Forward PE
8.38
PS Ratio (TTM)
2.71
PB Ratio
1.04
Price-to-FCF
-
METRIC
VALUE
vs. INDUSTRY
Gross Margin
86.68%
Net Margin
27.82%
Revenue Growth (YoY)
143.01%
Profit Growth (YoY)
110.65%
3-Year Revenue Growth
5.94%
3-Year Profit Growth
5.94%
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
3.72
PE Ratio (TTM)
8.69
Forward PE
8.38
PS Ratio (TTM)
2.71
PB Ratio
1.04
Price-to-FCF
-
Gross Margin
86.68%
Net Margin
27.82%
Revenue Growth (YoY)
143.01%
Profit Growth (YoY)
110.65%
3-Year Revenue Growth
5.94%
3-Year Profit Growth
5.94%

  • When is FISI's latest earnings report released?

    The most recent financial report for Financial institutions, inc. (FISI) covers the period of 2025Q4 and was published on 2025/12/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating FISI's short-term business performance and financial health. For the latest updates on FISI's earnings releases, visit this page regularly.

  • Where does FISI fall in the P/E River chart?

    According to historical valuation range analysis, Financial institutions, inc. (FISI)'s current price-to-earnings (P/E) ratio is 7.84, placing it in the Overvalued zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning optimistic. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.

  • What is the operating profit of FISI?

    According to the latest financial report, Financial institutions, inc. (FISI) reported an Operating Profit of 24M with an Operating Margin of 24.85% this period, representing a growth of 120.82% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.

  • How is FISI's revenue growth?

    In the latest financial report, Financial institutions, inc. (FISI) announced revenue of 96.56M, with a Year-Over-Year growth rate of 272.84%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.

  • How much debt does FISI have?

    As of the end of the reporting period, Financial institutions, inc. (FISI) had total debt of 193.65M, with a debt ratio of 0.02. Long-term debt comprises a higher/lower proportion. The level of financial leverage directly impacts the company's capital structure and interest coverage. If debt is high, pay attention to interest expenses and refinancing risks. Conversely, a low-leverage structure indicates greater risk tolerance but potentially less growth flexibility.

  • How much cash does FISI have?

    At the end of the period, Financial institutions, inc. (FISI) held Total Cash and Cash Equivalents of 108.75M, accounting for 0.02 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.

  • Does FISI go with three margins increasing?

    In the latest report, Financial institutions, inc. (FISI) achieved the “three margins increasing” benchmark, with a gross margin of 62.88%%, operating margin of 24.85%%, and net margin of 20.69%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess FISI's profit trajectory and future growth potential.

  • Is FISI's EPS continuing to grow?

    According to the past four quarterly reports, Financial institutions, inc. (FISI)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 0.98. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.

  • What is the FCF of FISI?

    Financial institutions, inc. (FISI)'s Free Cash Flow (FCF) for the period is 0, calculated as Operating Cash Flow minus Capital Expenditures, representing a fall of 100% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.

  • What are the PEG ratio and PE ratio of FISI?

    The latest valuation data shows Financial institutions, inc. (FISI) has a Price-To-Earnings (PE) ratio of 7.84 and a Price/Earnings-To-Growth (PEG) ratio of -3.92. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.