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Financial Institutions

(NASDAQ) FISI

Current Price$38.90
Market Cap$764.82MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1999)+545%
5 Year+70%
1 Year+48%
1 Month+4%

Financial Institutions Financials at a Glance

Market Cap

$764.82MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$378.23M

Net Income (TTM)

$78.97M

EPS (TTM)

$3.83

P/E Ratio

10.13

Dividend

$1.26

Beta (Volatility)

0.79 (Low)

Price

$38.90

Volume

661

Open

$38.60

Previous Close

$38.85

Daily Range

$38.56 - $38.98

52-Week Range

$24.62 - $40.26

Estimated Earnings Date

Jul 23, 2026

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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

63.66%

Operating Margin

25.27%

Net Income Margin

20.88%

Return on Equity

12.72%

Return on Capital

9.49%

Return on Assets

1.25%

Earnings Yield

9.87%

Dividend Yield

3.24%

Payout Ratio

33.42%

Stock Overview

Market Cap

$764.82MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

19.69M

Volume

661

Avg. Volume

144.88K

Financials (TTM)

Gross Profit

$240.77M

Operating Income

$95.56M

EBITDA

$101.63M

Operating Cash Flow

$32.49M

Capital Expenditure

-$5.38M

Free Cash Flow

$27.10M

Cash & ST Invst.

$185.24M

Total Debt

$224.64M

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
Q1 2026YOY CHG

Revenue

$92.24M

+1.3%

Gross Profit

$62.67M

+15.6%

Gross Margin

67.94%

N/A

Market Cap

$764.82MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.21M

N/A

Employees

634

N/A

Net Income

$20.99M

+24.3%

EBITDA

$24.93M

+10.6%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$185.24M

+10.7%

Total Debt

$224.64M

+5.7%

Accounts Receivable

$25.49M

+2.9%

Inventory

$0.00

N/A

Long Term Debt

$110.64M

-29.8%

Short Term Debt

$114.00M

+107.3%

Return on Assets

1.25%

N/A

Return on Invested Capital

11.62%

N/A

Free Cash Flow

$23.04M

+150.7%

Operating Cash Flow

$23.69M

+136.8%

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Questions About FISI

What is the current price of Financial Institutions?

Financial Institutions is trading at $38.90 per share.

What is the 52-week range for Financial Institutions?

Over the past 52 weeks, Financial Institutions has traded between $24.62 and $40.26.

How much debt does Financial Institutions have?

As of the most recent reporting period, Financial Institutions reported total debt of $224.64M.

How much cash does Financial Institutions have on hand?

Financial Institutions does not have cash on hand data available.

What is Financial Institutions’s dividend yield?

Financial Institutions currently has a dividend yield of 3.24%.

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