Financial Institutions, Inc. (FISI)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 182 | 200 | 212 | 212 | 115 | 245 | 191 | - |
| Operating profit | $m | 91 | 49 | ||||||
| Net profit | $m | 38 | 78 | 57 | 50 | -42 | 75 | 83 | 85 |
| EPS reported | $ | 3.61 | 4.04 | ||||||
| Operating cashflow per share | $ | 0.94 | 3.10 | ||||||
| Capex per share | $ | 0.28 | 0.24 | ||||||
| FCF per share | $ | 0.66 | 2.86 | ||||||
| Free cash flow | $m | 13 | 56 | ||||||
| Net debt | $m | 194 | 231 | ||||||
| Book value equity | $m | 629 | 643 | ||||||
| Book value per share | $ | 30.95 | 32.30 | ||||||
| Number of shares | m | 20.32 | 19.92 | ||||||
| DPS (TTM paid) | $ | 1.24 | 1.27 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 8.63 | 9.79 | ||||||
| P/B LTM | x | 1.00 | 0.97 | ||||||
| P/S LTM | x | 2.56 | 3.28 | ||||||
| P/FCF LTM | x | 47.27 | 11.14 | ||||||
| EV/EBITDA LTM | x | 8.59 | 16.51 | ||||||
| EV/Sales LTM | x | 2.25 | 3.34 | ||||||
| Earnings Yield LTM | % | +11.59% | +10.21% | ||||||
| FCF Yield | % | +2.12% | +8.98% | ||||||
| Quality | |||||||||
| ROE | % | +11.91% | +13.09% | ||||||
| ROIC | % | +7.16% | +0.64% | ||||||
| Operating margin | % | +24.17% | +15.60% | ||||||
| Gross margin | % | +61.73% | +57.94% | ||||||
| FCF/Sales | % | +3.51% | +17.82% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | - | - | ||||||
| Sales Growth YoY | % | +113.87% | +66.99% | ||||||
| Net Income Growth YoY | % | - | - | ||||||
| FCF Growth | % | -81.63% | -22.06% | ||||||
| Operating Profit Growth | % | - | - | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +4.18% | +3.02% | ||||||
| Dividend Growth | % | +3.33% | +5.83% | ||||||
| Payout Ratio | % | +35.68% | +32.54% | ||||||
| FCF/Debt | x | 0.04 | 0.19 | ||||||
| Net Debt/EBITDA | x | 2.27 | 4.49 | ||||||
| EBIT/Net interest | x | 0.69 | 0.40 | ||||||
| Net debt/market cap | % | +48.31% | +31.72% | ||||||
| Net debt/Equity | x | 0.31 | 0.36 | ||||||
| Gross debt/equity | x | 0.53 | 0.45 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
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 including 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, personal loans, and deposit account collateralized loans. In addition, it offers 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.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Financial Institutions, Inc. (FISI)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
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 including 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, personal loans, and deposit account collateralized loans. In addition, it offers 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.
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