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Financial Institutions, Inc.(FISI)Earnings, Financials & Key Ratios
FISI•NASDAQ•Banking & Credit
$35.35
$696M mkt cap·9.8× P/E·Price updated May 6, 2026
AboutFinancial 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.Show more
- Net Interest Income$200M+22.2%
- Total Revenue$378M+43.1%
- Net Income$75M+279.8%
- Return on Equity12.5%+253.6%
- Net Interest Margin3.19%+19.2%
- Efficiency Ratio37.56%-36.5%
- ROA1.21%+278.1%
- Equity / Assets10.02%+7.8%
- Book Value per Share30.95-14.7%
- Tangible BV/Share27.98-13.7%
- Debt/Equity0.53+17.8%
FISI Key Insights
Financial Institutions, Inc. (FISI) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Efficient operations: 37.6% efficiency ratio
- ✓Well capitalized: 10.0% equity/assets
- ✓Healthy dividend yield of 3.4%
- ✓Trading near 52-week high
- ✓Trading at only 1.1x book value
✗Weaknesses
- ✗Shares diluted 29.6% in last year
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
FISI Price & Volume
Financial Institutions, Inc. (FISI) stock price & volume — 10-year historical chart
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FISI Growth Metrics
Financial Institutions, Inc. (FISI) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years10.82%
5 Years13.08%
3 Years16.17%
TTM-
Profit CAGR
10 Years10.2%
5 Years14.33%
3 Years9.79%
TTM279.77%
EPS CAGR
10 Years6.63%
5 Years9.43%
3 Years0.47%
TTM244.4%
Return on Capital
10 Years8.14%
5 Years5.81%
3 Years1.08%
Last Year2.59%
FISI Recent Earnings
Financial Institutions, Inc. (FISI) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 7/12 qtrs (64%)●Beat Revenue 7/12 qtrs (64%)
Q2 2026Latest
Apr 23, 2026EPS
$1.04
Est $0.92
+13.0%
Revenue
$63M
Est $63M
-0.2%
Q2 2026
Mar 9, 2026EPS
$0.98
Revenue
$97M
Q1 2026
Jan 29, 2026EPS
$0.96
Est $0.95
+1.1%
Revenue
$64M
Est $63M
+1.8%
Q4 2025
Oct 23, 2025EPS
$0.99
Est $0.94
+5.3%
Revenue
$64M
Est $63M
+0.9%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $1.04vs $0.92+13.0% | $63Mvs $63M-0.2% |
| Q2 2026 | Mar 9, 2026 | $0.98 | $97M |
| Q1 2026 | Jan 29, 2026 | $0.96vs $0.95+1.1% | $64Mvs $63M+1.8% |
| Q4 2025 | Oct 23, 2025 | $0.99vs $0.94+5.3% | $64Mvs $63M+0.9% |
Based on last 12 quarters of dataView full earnings history →
FISI Peer Comparison
Financial Institutions, Inc. (FISI) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 NBTB | 2.36B | 45.20 | 13.57 | 10.36% | 9.51% | 0.17 | ||
 TRMK | 2.64B | 44.92 | 12.14 | 34.75% | 10.77% | 0.53 | ||
 CNOB | 1.52B | 30.16 | 20.38 | 13.44% | 5.49% | 0.74 | ||
 EGBN | 808.45M | 26.51 | -6.30 | -10.35% | -10.91% | 0.13 | ||
 TRST | 861.09M | 48.62 | 14.96 | 5.77% | 8.86% | 0.28 | ||
 NFBK | 587.44M | 14.05 | 19.51 | 13.88% | 5.48% | 1.08 | ||
 CBSH | 7.71B | 52.53 | 12.87 | 2.23% | 15.34% | 0.79 | ||
 WSFS | 3.8B | 72.11 | 14.17 | -3.05% | 10.65% | 0.11 |
Compare FISI vs Peers
Financial Institutions, Inc. (FISI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
FISI Income Statement
Financial Institutions, Inc. (FISI) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 112.61M | 122.86M | 129.91M | 138.99M | 154.73M | 167.37M | 165.72M | 163.59M | 199.99M |
| NII Growth % | 9.66% | 9.1% | 5.74% | 6.98% | 11.33% | 8.17% | -0.99% | -1.28% | 22.25% |
| Net Interest Margin % | 2.74% | 2.85% | 2.96% | 2.83% | 2.8% | 2.89% | 2.69% | 2.67% | 3.19% |
| Interest Income | 130.11M | 152.73M | 168.8M | 161.3M | 167.21M | 196.11M | 286.13M | 313.23M | 332.99M |
| Interest Expense | 17.5M | 29.87M | 38.89M | 22.31M | 12.47M | 28.73M | 120.42M | 149.64M | 133M |
| Loan Loss Provision | 13.36M | 8.93M | 8.04M | 27.18M | -8.34M | 14.1M | 14.88M | 26.49M | 11.63M |
| Non-Interest Income | 34.62M | 35.27M | 40.03M | 43.07M | 44.83M | 44.98M | 46.46M | -49.06M | 44.95M |
| Non-Interest Income % | 21.02% | 18.76% | 19.17% | 21.08% | 21.14% | 18.66% | 13.97% | -18.57% | 11.89% |
| Total Revenue | 164.73M▲ 0% | 188.01M▲ 14.1% | 208.83M▲ 11.1% | 204.37M▼ 2.1% | 212.03M▲ 3.7% | 241.09M▲ 13.7% | 332.59M▲ 38.0% | 264.17M▼ 20.6% | 377.94M▲ 43.1% |
| Revenue Growth % | 9.32% | 14.13% | 11.08% | -2.13% | 3.75% | 13.7% | 37.96% | -20.57% | 43.07% |
| Non-Interest Expense | 90.4M | 99.67M | 102.48M | 109.15M | 110.67M | 127.28M | 134.24M | 156.18M | 141.96M |
| Efficiency Ratio | 54.88% | 53.02% | 49.07% | 53.41% | 52.19% | 52.79% | 40.36% | 59.12% | 37.56% |
| Operating Income | 43.47M▲ 0% | 49.53M▲ 13.9% | 59.42M▲ 20.0% | 45.72M▼ 23.1% | 97.22M▲ 112.6% | 70.97M▼ 27.0% | 63.05M▼ 11.2% | -68.15M▼ 208.1% | 91.35M▲ 234.1% |
| Operating Margin % | 26.39% | 26.35% | 28.45% | 22.37% | 45.85% | 29.44% | 18.96% | -25.8% | 24.17% |
| Operating Income Growth % | -1.52% | 13.94% | 19.96% | -23.05% | 112.63% | -27% | -11.16% | -208.08% | 234.05% |
| Pretax Income | 43.47M▲ 0% | 49.53M▲ 13.9% | 59.42M▲ 20.0% | 45.72M▼ 23.1% | 97.22M▲ 112.6% | 70.97M▼ 27.0% | 63.05M▼ 11.2% | -68.15M▼ 208.1% | 91.35M▲ 234.1% |
| Pretax Margin % | 26.39% | 26.35% | 28.45% | 22.37% | 45.85% | 29.44% | 18.96% | -25.8% | 24.17% |
| Income Tax | 9.95M | 10.01M | 10.56M | 7.39M | 19.52M | 14.4M | 12.79M | -26.5M | 16.49M |
| Effective Tax Rate % | 22.88% | 20.2% | 17.77% | 16.16% | 20.08% | 20.29% | 20.28% | 38.89% | 18.05% |
| Net Income | 33.53M▲ 0% | 39.53M▲ 17.9% | 48.86M▲ 23.6% | 38.33M▼ 21.6% | 77.7M▲ 102.7% | 56.57M▼ 27.2% | 50.26M▼ 11.2% | -41.65M▼ 182.9% | 74.87M▲ 279.8% |
| Net Margin % | 20.35% | 21.02% | 23.4% | 18.76% | 36.64% | 23.47% | 15.11% | -15.76% | 19.81% |
| Net Income Growth % | 5% | 17.9% | 23.62% | -21.55% | 102.69% | -27.19% | -11.15% | -182.85% | 279.77% |
| Net Income (Continuing) | 33.53M | 39.53M | 48.86M | 38.33M | 77.7M | 56.57M | 50.26M | -41.65M | 74.87M |
| EPS (Diluted) | 2.13▲ 0% | 2.39▲ 12.2% | 2.96▲ 23.8% | 2.30▼ 22.3% | 4.78▲ 107.8% | 3.56▼ 25.5% | 3.15▼ 11.5% | -2.75▼ 187.3% | 3.61▲ 231.3% |
| EPS Growth % | 1.43% | 12.21% | 23.85% | -22.3% | 107.83% | -25.52% | -11.52% | -187.3% | 231.27% |
| EPS (Basic) | 2.13 | 2.39 | 2.97 | 2.30 | 4.81 | 3.58 | 3.17 | -2.75 | 3.65 |
| Diluted Shares Outstanding | 15.09M | 15.96M | 16.03M | 16.06M | 15.94M | 15.47M | 15.47M | 15.68M | 20.32M |
FISI Balance Sheet
Financial Institutions, Inc. (FISI) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 624.17M | 548.43M | 530.86M | 721.94M | 1.26B | 1.08B | 1.01B | 87.33M | 1.07B |
| Cash & Due from Banks | 99.19M | 102.75M | 112.95M | 93.88M | 79.11M | 130.47M | 124.44M | 87.32M | 108.75M |
| Short Term Investments | 524.97M | 445.68M | 417.92M | 628.06M | 1.18B | 954.37M | 887.73M | 8K | 922.47M |
| Total Investments | 3.74B | 3.95B | 3.97B | 4.5B | 5.1B | 5.26B | 5.56B | 5.58B | 5.81B |
| Investments Growth % | 10.34% | 5.43% | 0.6% | 13.34% | 13.37% | 3.05% | 5.72% | 0.33% | 4.12% |
| Long-Term Investments | 3.22B | 3.5B | 3.55B | 3.87B | 3.92B | 4.3B | 4.67B | 5.58B | 5.62B |
| Accounts Receivables | 0 | 0 | 0 | 0 | 0 | 19.37M | 24.48M | 23.75M | 25.1M |
| Goodwill & Intangibles | 74.7M | 76.17M | 74.92M | 73.79M | 74.4M | 73.41M | 72.5M | 60.76M | 60.34M |
| Goodwill | 62.5M | 66.06M | 66.06M | 66.06M | 67.07M | 67.07M | 67.07M | 58.12M | 58.12M |
| Intangible Assets | 12.2M | 10.11M | 8.86M | 7.73M | 7.33M | 6.34M | 5.43M | 2.64M | 2.22M |
| PP&E (Net) | 45.19M | 42.84M | 41.42M | 60.57M | 62.18M | 73.11M | 71.43M | 70.23M | 0 |
| Other Assets | 141.62M | 142.12M | 183.24M | 148.16M | 138.44M | 188.43M | 259.22M | 235.59M | 484.02M |
| Total Current Assets | 624.17M | 548.43M | 530.86M | 756.31M | 1.31B | 1.1B | 1.04B | 111.08M | 108.75M |
| Total Non-Current Assets | 3.48B | 3.76B | 3.85B | 4.16B | 4.21B | 4.69B | 5.12B | 6.01B | 6.17B |
| Total Assets | 4.11B▲ 0% | 4.31B▲ 5.0% | 4.38B▲ 1.7% | 4.91B▲ 12.0% | 5.52B▲ 12.4% | 5.8B▲ 5.0% | 6.16B▲ 6.3% | 6.12B▼ 0.7% | 6.27B▲ 2.6% |
| Asset Growth % | 10.64% | 5.03% | 1.68% | 12.05% | 12.39% | 5.01% | 6.27% | -0.71% | 2.57% |
| Return on Assets (ROA) | 0.86% | 0.94% | 1.12% | 0.82% | 1.49% | 1% | 0.84% | -0.68% | 1.21% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 5.98M | 19.41M | 25.86M | 21.44M |
| Total Debt | 485.33M | 508.7M | 314.77M | 78.92M | 103.91M | 312.45M | 343.32M | 256.61M | 334.23M |
| Net Debt | 386.14M | 405.95M | 201.83M | -14.96M | 24.8M | 181.99M | 218.88M | 169.28M | 225.48M |
| Long-Term Debt | 39.13M | 39.2M | 39.27M | 73.62M | 73.91M | 74.22M | 124.53M | 124.84M | 193.65M |
| Short-Term Debt | 446.2M | 469.5M | 275.5M | 5.3M | 30M | 205M | 185M | 99M | 112.07M |
| Other Liabilities | 28.53M | 39.8M | 74.78M | 86.65M | 84.64M | 143.81M | 130.44M | 160.91M | 5.31B |
| Total Current Liabilities | 3.66B | 3.84B | 3.83B | 4.28B | 4.86B | 5.14B | 5.42B | 5.23B | 109M |
| Total Non-Current Liabilities | 67.66M | 79M | 114.06M | 160.28M | 158.55M | 251.26M | 288.76M | 318.51M | 5.55B |
| Total Liabilities | 3.72B | 3.92B | 3.95B | 4.44B | 5.02B | 5.39B | 5.71B | 5.55B | 5.65B |
| Total Equity | 381.18M▲ 0% | 396.29M▲ 4.0% | 438.95M▲ 10.8% | 468.36M▲ 6.7% | 505.14M▲ 7.9% | 405.61M▼ 19.7% | 454.8M▲ 12.1% | 568.98M▲ 25.1% | 628.85M▲ 10.5% |
| Equity Growth % | 19.1% | 3.97% | 10.76% | 6.7% | 7.85% | -19.7% | 12.13% | 25.11% | 10.52% |
| Equity / Assets (Capital Ratio) | 9.29% | 9.19% | 10.01% | 9.53% | 9.15% | 7% | 7.38% | 9.3% | 10.02% |
| Return on Equity (ROE) | 9.56% | 10.17% | 11.7% | 8.45% | 15.96% | 12.42% | 11.68% | -8.14% | 12.5% |
| Book Value per Share | 25.27 | 24.84 | 27.38 | 29.16 | 31.70 | 26.22 | 29.39 | 36.28 | 30.95 |
| Tangible BV per Share | 20.32 | 20.06 | 22.71 | 24.56 | 27.03 | 21.47 | 24.70 | 32.41 | 27.98 |
| Common Stock | 161K | 161K | 161K | 161K | 161K | 161K | 161K | 207K | 207K |
| Additional Paid-in Capital | 121.06M | 122.7M | 124.58M | 125.12M | 126.11M | 126.64M | 125.84M | 233.42M | 234.4M |
| Retained Earnings | 257.08M | 279.87M | 313.36M | 324.85M | 384.01M | 421.34M | 451.69M | 388.67M | 437.14M |
| Accumulated OCI | -11.92M | -21.28M | -14.51M | 2.13M | -13.21M | -137.49M | -119.94M | -52.6M | -33.03M |
| Treasury Stock | -2.53M | -2.49M | -1.98M | -1.22M | -9.22M | -22.34M | -20.24M | -17.99M | -27.14M |
| Preferred Stock | 17.33M | 17.33M | 17.33M | 17.33M | 17.29M | 17.29M | 17.29M | 17.29M | 17.29M |
FISI Cash Flow Statement
Financial Institutions, Inc. (FISI) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 46.28M | 65.14M | 57.71M | 43.45M | 72.96M | 133.57M | 10.89M | 77.13M | 18.8M |
| Operating CF Growth % | -0.89% | 40.75% | -11.4% | -24.7% | 67.9% | 83.07% | -91.84% | 607.98% | -75.62% |
| Net Income | 33.53M | 39.53M | 48.86M | 38.33M | 77.7M | 56.57M | 50.26M | -41.65M | 74.87M |
| Depreciation & Amortization | 6.18M | 6.48M | 8.21M | 7.89M | 8.05M | 8.11M | 8.09M | 7.67M | 0 |
| Deferred Taxes | 12.4M | -10.48M | 369K | -4.52M | 5.22M | -4.38M | -1.35M | -35.35M | 0 |
| Other Non-Cash Items | 13.49M | 11.87M | 5.15M | 27.34M | -7.81M | 20.04M | 7.92M | 111.15M | 14.81M |
| Working Capital Changes | -20.49M | 16.44M | -6.29M | -26.92M | -11.94M | 50.68M | -55.7M | 33.69M | -70.87M |
| Cash from Investing | -372.61M | -225.41M | -24.73M | -531.07M | -633.42M | -325.16M | -310.09M | -8.23M | -140.04M |
| Purchase of Investments | -157.91M | -72.94M | -219.15M | -404.22M | -802.49M | -113.82M | -54.62M | -905.85M | 0 |
| Sale/Maturity of Investments | 198.44M | 216.18M | 343.93M | 297.88M | 286.49M | 183.32M | 177.53M | 901.37M | 0 |
| Net Investment Activity | 40.52M | 143.24M | 124.77M | -106.34M | -516M | 69.5M | 122.91M | -4.48M | 0 |
| Acquisitions | -676K | -4.45M | 0 | 0 | -1.42M | 0 | 0 | 0 | 0 |
| Other Investing | -404.72M | -361.36M | -145.87M | -420.46M | -106.6M | -386.29M | -430.01M | 1.22M | -140.04M |
| Cash from Financing | 354.25M | 163.83M | -22.79M | 468.55M | 545.69M | 242.94M | 293.17M | -106.02M | 142.67M |
| Dividends Paid | -13.96M | -16.41M | -17.26M | -17.96M | -18.45M | -19.05M | -19.75M | -19.97M | -26.17M |
| Share Repurchases | -157K | -113K | -293K | -209K | -9.28M | -15.34M | -571K | -433K | -11.42M |
| Stock Issued | 38.3M | 0 | 0 | 0 | 0 | 0 | 0 | 108.57M | 0 |
| Net Stock Activity | 38.15M | -113K | -293K | -209K | -9.28M | -15.34M | -571K | 108.14M | -11.42M |
| Debt Issuance (Net) | 1000K | 1000K | -1000K | -1000K | 1000K | 1000K | 1000K | -1000K | 1000K |
| Other Financing | 215.37M | 157.05M | 188.77M | 721.91M | 548.72M | 102.33M | 283.49M | -108.18M | 101.62M |
| Net Change in Cash | 27.92M▲ 0% | 3.56M▼ 87.2% | 10.19M▲ 186.3% | -19.07M▼ 287.1% | -14.77M▲ 22.6% | 51.35M▲ 447.8% | -6.02M▼ 111.7% | -37.12M▼ 516.2% | 21.43M▲ 157.7% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 71.28M | 99.19M | 102.75M | 112.95M | 93.88M | 79.11M | 130.47M | 124.44M | 87.32M |
| Cash at End | 99.19M | 102.75M | 112.95M | 93.88M | 79.11M | 130.47M | 124.44M | 87.32M | 108.75M |
| Interest Paid | 0 | 0 | 0 | 0 | 14.71M | 32.57M | 133.85M | 156.09M | 128.58M |
| Income Taxes Paid | 0 | 0 | 0 | 0 | 10.83M | 3.4M | 6.3M | 3.49M | 17K |
| Free Cash Flow | 38.54M▲ 0% | 62.3M▲ 61.6% | 54.07M▼ 13.2% | 39.19M▼ 27.5% | 63.56M▲ 62.2% | 125.2M▲ 97.0% | 7.9M▼ 93.7% | 72.15M▲ 813.1% | 13.6M▼ 81.1% |
| FCF Growth % | -1.37% | 61.65% | -13.2% | -27.52% | 62.18% | 96.99% | -93.69% | 813.1% | -81.15% |
FISI Banking Ratios
Financial Institutions, Inc. (FISI) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 10.4% | 9.56% | 10.17% | 11.7% | 8.45% | 15.96% | 12.42% | 11.68% | -8.14% | 12.5% |
| Return on Assets (ROA) | 0.9% | 0.86% | 0.94% | 1.12% | 0.82% | 1.49% | 1% | 0.84% | -0.68% | 1.21% |
| Net Interest Margin | 2.77% | 2.74% | 2.85% | 2.96% | 2.83% | 2.8% | 2.89% | 2.69% | 2.67% | 3.19% |
| Efficiency Ratio | 55.99% | 54.88% | 53.02% | 49.07% | 53.41% | 52.19% | 52.79% | 40.36% | 59.12% | 37.56% |
| Equity / Assets | 8.63% | 9.29% | 9.19% | 10.01% | 9.53% | 9.15% | 7% | 7.38% | 9.3% | 10.02% |
| Book Value / Share | 22.09 | 25.27 | 24.84 | 27.38 | 29.16 | 31.7 | 26.22 | 29.39 | 36.28 | 30.95 |
| NII Growth | 7.74% | 9.66% | 9.1% | 5.74% | 6.98% | 11.33% | 8.17% | -0.99% | -1.28% | 22.25% |
| Dividend Payout | 35.97% | 37.27% | 37.82% | 32.33% | 43.03% | 21.87% | 31.1% | 36.38% | - | 33.01% |
FISI SEC Filings & Documents
Financial Institutions, Inc. (FISI) SEC filings — annual & quarterly reports (10-K, 10-Q)
FISI Frequently Asked Questions
Financial Institutions, Inc. (FISI) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Financial Institutions, Inc. (FISI) grew revenue by 43.1% over the past year. This is strong growth.
Yes, Financial Institutions, Inc. (FISI) is profitable, generating $74.9M in net income for fiscal year 2025 (19.8% net margin).
Dividend & Returns
Yes, Financial Institutions, Inc. (FISI) pays a dividend with a yield of 3.44%. This makes it attractive for income-focused investors.
Financial Institutions, Inc. (FISI) has a return on equity (ROE) of 12.5%. This is reasonable for most industries.
Industry Metrics
Financial Institutions, Inc. (FISI) has a net interest margin (NIM) of 3.2%. This indicates healthy earnings from lending activities.
Financial Institutions, Inc. (FISI) has an efficiency ratio of 37.6%. This is excellent, indicating strong cost control.
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Financial Institutions, Inc. (FISI) financial analysis — history, returns, DCA and operating performance tools
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