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Financial Institutions

(NASDAQ) FISI

Current Price$31.63
Market Cap$614.55M
Since IPO (1999)+415%
5 Year+41%
1 Year+29%
1 Month-6%

Financial Institutions Financials at a Glance

Market Cap

$614.55M

Revenue (TTM)

$377.00M

Net Income (TTM)

$74.87M

EPS (TTM)

$3.61

P/E Ratio

8.66

Dividend

$1.25

Beta (Volatility)

0.81 (Low)

Price

$31.63

Volume

27,995.713

Open

$30.92

Previous Close

$31.30

Daily Range

$30.80 - $31.72

52-Week Range

$20.97 - $35.47

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About Financial Institutions

Industry

Banks

Employees

631

CEO

Martin Kearney Birmingham, MBA

Headquarters

Warsaw, NY 14569, US

FISI Financials

Key Financial Metrics (TTM)

Gross Margin

62%

Operating Margin

24%

Net Income Margin

20%

Return on Equity

13%

Return on Capital

1%

Return on Assets

1%

Earnings Yield

11.55%

Dividend Yield

0.04%

Payout Ratio

34.96%

Stock Overview

Market Cap

$614.55M

Shares Outstanding

19.63M

Volume

28.00K

Short Interest

0.00%

Avg. Volume

165.20K

Financials (TTM)

Gross Profit

$233.31M

Operating Income

$91.35M

EBITDA

$91.35M

Operating Cash Flow

$18.80M

Capital Expenditure

$5.55M

Free Cash Flow

$13.60M

Cash & ST Invst.

$1.07B

Total Debt

$334.23M

Financial Institutions Performance Analysis

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q4 2025YOY CHG

Revenue

$96.56M

+802.0%

Gross Profit

$60.72M

+206.4%

Gross Margin

62.88%

N/A

Market Cap

$614.55M

N/A

Market Cap/Employee

$1.03M

N/A

Employees

598

N/A

Net Income

$19.98M

+124.1%

EBITDA

$24.00M

+121.2%

Quarterly Fundamentals

Name
Q4 2025YOY CHG

Net Cash

$736.53M

+535.1%

Accounts Receivable

$25.10M

+5.7%

Inventory

$0.00

N/A

Long Term Debt

$222.16M

+41.0%

Short Term Debt

$112.07M

+13.2%

Return on Assets

1.19%

N/A

Return on Invested Capital

1.48%

N/A

Free Cash Flow

$18.18M

-31.7%

Operating Cash Flow

$21.40M

-20.8%

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Questions About FISI

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