Financial Institutions, Inc.
General ticker "FISI" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $594.5M (TTM average)
Financial Institutions, Inc. follows the US Stock Market performance with the rate: 61.1%.
Estimated limits based on current volatility of 1.1%: low 40.06$, high 40.92$
Factors to consider:
- Company pays dividends (quarterly): last record date 2026-06-12, amount 0.32$ (Y3.13%)
- Total employees count: 631 (+5.5%) as of 2025
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Economic downturns and volatility, Real estate decline, Market competition, Regulatory and compliance, Acquisition/divestiture risks
- Current price 14.2% above estimated high
- Earnings for 6 months up through Q2 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [26.80$, 35.75$]
- 2026-12-31 to 2027-12-31 estimated range: [26.71$, 36.14$]
Financial Metrics affecting the FISI estimates:
- Positive: with PPE of 8.8 at the end of fiscal year the price was neutral
- Positive: Operating profit margin, % of 37.40 > 18.77
- Negative: Shareholder equity ratio, % of 10.02 <= 18.97
- Positive: Industry operating cash flow per share per price (median), % of 10.78 > 10.39
- Positive: 0.28 < Operating cash flow per share per price, % of 2.95
- Positive: Industry operating profit margin (median), % of 24.03 > 9.99
- Positive: Industry inventory ratio change (median), % of 0 <= 0
- Negative: Interest expense per share per price, % of 20.88 > 3.34
Short-term FISI quotes
Long-term FISI plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $214.21MM | $116.19MM | $244.25MM |
| Operating Expenses | $151.16MM | $185.06MM | $152.90MM |
| Operating Income | $63.05MM | $-68.86MM | $91.35MM |
| Non-Operating Income | $0.00MM | $0.72MM | $0.00MM |
| Interest Expense | $120.42MM | $149.64MM | $133.00MM |
| Income(Loss) | $63.05MM | $-68.15MM | $91.35MM |
| Taxes | $12.79MM | $-26.50MM | $16.49MM |
| Net Income(Loss)* | $50.26MM | $-41.65MM | $74.87MM |
| Stockholders Equity | $454.80MM | $568.98MM | $628.85MM |
| Assets | $6,160.88MM | $6,117.09MM | $6,274.14MM |
| Operating Cash Flow | $10.89MM | $77.13MM | $18.80MM |
| Capital expenditure | $2.99MM | $4.97MM | $5.55MM |
| Investing Cash Flow | $-310.09MM | $-8.23MM | $-140.04MM |
| Financing Cash Flow | $293.17MM | $-106.02MM | $142.67MM |
| Earnings Per Share** | $3.27 | $-2.66 | $3.72 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.