Last 48 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 9.63 | 9.84 | 9.28 | 7.62 | 8.12 | 6.87 | 7.55 | 7.70 | — | 7.58 | 2.98 | 42.77 | 8.73 | 4.78 | 4.32 | 6.34 | 8.01 | 6.84 | 6.57 | 8.10 | 6.57 |
| — | +43.3% | +22.8% | -1.1% | — | -9.4% | +153.3% | -82.0% | — | +58.5% | -31.1% | +574.4% | +8.9% | -30.1% | -34.2% | -21.7% | +22.0% | -6.3% | +9.5% | +35.8% | -1.9% | |
| P/S Ratio | 4.07 | 3.00 | 229.96 | 2.52 | 2.47 | 2.17 | 2.19 | 2.23 | — | 2.00 | 1.17 | 1.44 | 1.51 | 1.26 | 1.14 | 1.42 | 1.74 | 1.66 | 1.90 | 2.36 | 2.42 |
| — | +37.8% | +10394.7% | +13.1% | — | +8.5% | +87.8% | +54.3% | — | +59.4% | +2.6% | +1.9% | -13.1% | -24.5% | -40.1% | -40.0% | -28.1% | -32.3% | -24.1% | -2.5% | +25.7% | |
| P/B Ratio | 1.28 | 0.63 | 1.21 | 1.00 | 1.01 | 0.89 | 0.87 | 0.86 | 0.79 | 0.80 | 0.64 | 0.66 | 0.73 | 0.64 | 0.57 | 0.70 | 0.93 | 0.94 | 0.94 | 1.06 | 1.00 |
| — | -29.3% | +39.4% | +16.5% | +27.9% | +11.8% | +34.7% | +30.8% | +8.4% | +25.0% | +12.8% | -6.8% | -21.5% | -32.3% | -39.4% | -33.5% | -7.7% | -4.9% | -4.1% | +2.0% | +29.8% | |
| P/FCF | 59.01 | — | 8.90 | 6.86 | 9.99 | — | — | 13.77 | 4.21 | — | 2.16 | 6.58 | — | 1.50 | 7.71 | 13.02 | 7.00 | 2.72 | 2.88 | 2.75 | 3.90 |
| — | — | — | -50.2% | +137.3% | — | — | +109.4% | — | — | -71.9% | -49.5% | — | -44.8% | +168.1% | +373.2% | +79.3% | -85.6% | -88.8% | -54.5% | -6.4% | |
| EV / EBITDA | 20.06 | 11.28 | — | 7.24 | 8.20 | 5.25 | 7.22 | 6.12 | — | 5.52 | 4.02 | 19.47 | 8.10 | 4.02 | 7.45 | 5.88 | 8.43 | 4.84 | 5.43 | 4.63 | 5.14 |
| — | +114.8% | — | +18.3% | — | -4.9% | +79.7% | -68.6% | — | +37.4% | -46.1% | +231.4% | -3.9% | -17.0% | +37.2% | +27.0% | +63.9% | +68.8% | +73.8% | +143.8% | +3.6% | |
| EV / EBIT | 11.03 | 9.55 | — | 7.76 | 8.95 | 5.64 | 7.86 | 6.69 | — | 6.21 | 4.27 | 35.73 | 9.19 | 4.51 | 8.35 | 6.69 | 9.64 | 5.32 | 6.07 | 5.11 | 5.57 |
| — | +69.3% | — | +16.1% | — | -9.2% | +84.3% | -81.3% | — | +37.9% | -48.9% | +434.0% | -4.6% | -15.2% | +37.5% | +31.0% | +73.0% | +68.7% | +80.3% | +150.4% | -0.5% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 95.3% | 94.0% | -148.1% | 100.0% | 94.7% | 95.5% | 95.3% | 95.4% | 113.6% | 92.9% | 96.2% | 72.9% | 90.3% | 97.8% | 93.1% | 91.4% | 88.7% | 92.2% | 98.9% | 95.4% | 102.3% |
| — | -1.5% | -255.4% | +4.9% | -16.6% | +2.7% | -1.0% | +30.8% | +25.7% | -4.9% | +3.4% | -20.2% | +1.9% | +6.0% | -5.9% | -4.2% | -13.3% | -8.7% | -9.8% | -8.3% | +15.8% | |
| Operating Margin | 37.3% | 37.1% | -2942.2% | 39.6% | 37.4% | 39.7% | 36.2% | 36.3% | 229.4% | 29.3% | 46.8% | 4.8% | 27.4% | 31.8% | 31.5% | 28.3% | 26.8% | 33.4% | 37.0% | 36.8% | 45.6% |
| — | -6.4% | -8234.9% | +9.2% | -83.7% | +35.6% | -22.7% | +657.6% | +738.4% | -8.0% | +48.7% | -83.1% | +2.0% | -4.7% | -14.9% | -23.0% | -41.2% | -23.7% | -31.1% | -29.5% | +38.2% | |
| Net Margin | 30.6% | 30.9% | 2510.0% | 33.5% | 31.2% | 32.2% | 29.5% | 29.7% | 164.8% | 27.1% | 39.8% | 4.1% | 17.9% | 27.1% | 26.9% | 23.0% | 22.4% | 24.9% | 29.7% | 29.9% | 37.5% |
| — | -4.1% | +8408.5% | +12.7% | -81.1% | +18.8% | -25.9% | +626.7% | +819.9% | -0.0% | +47.7% | -82.3% | -20.1% | +8.8% | -9.2% | -23.0% | -40.2% | -28.0% | -29.9% | -27.8% | +27.6% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 12.5% | 2.1% | 3.3% | 3.3% | 3.2% | 3.3% | 2.9% | 2.9% | -15.5% | 2.8% | 5.6% | 0.5% | 2.3% | 3.4% | 3.4% | 2.9% | 3.0% | 3.4% | 3.6% | 3.1% | 3.9% |
| — | -36.4% | +12.9% | +14.3% | +120.6% | +20.3% | -47.6% | +533.6% | -783.8% | -17.2% | +65.7% | -84.2% | -25.1% | -0.6% | -5.6% | -7.3% | -23.0% | -3.5% | -15.4% | -29.0% | +31.5% | |
| ROA | 1.2% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | -1.3% | 0.2% | 0.4% | 0.0% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.3% | 0.3% | 0.4% |
| — | +0.2% | +19.4% | +23.2% | +123.6% | +50.3% | -31.9% | +716.3% | -948.7% | -4.0% | +73.7% | -83.8% | -24.9% | -7.8% | -15.1% | -23.5% | -39.9% | -21.3% | -26.5% | -33.6% | +25.9% | |
| ROIC | 7.7% | 1.5% | -2.1% | 2.0% | 2.0% | 2.3% | 2.0% | 1.9% | -11.2% | 1.4% | 2.9% | 0.2% | 1.6% | 1.6% | 1.6% | 1.6% | 1.7% | 2.4% | 2.6% | 2.4% | 3.0% |
| — | -33.9% | -206.6% | +7.7% | +117.9% | +59.7% | -32.5% | +701.8% | -819.9% | -10.5% | +82.1% | -85.3% | -9.7% | -35.0% | -38.7% | -34.0% | -43.1% | -15.8% | -25.7% | -32.0% | +37.1% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.53 | 0.20 | 0.45 | 0.36 | 0.53 | 0.33 | 0.41 | 0.36 | 0.45 | 0.43 | 0.77 | 0.65 | 0.75 | 0.56 | 1.17 | 0.57 | 0.77 | 0.36 | 0.43 | 0.17 | 0.21 |
| — | -38.8% | +9.6% | -1.3% | +17.8% | -23.6% | -46.5% | -44.9% | -40.3% | -23.9% | -34.2% | +15.0% | -2.0% | +54.0% | +172.2% | +243.2% | +274.5% | +143.1% | +184.0% | +4.8% | +22.1% | |
| Debt / EBITDA | 3.37 | 12.07 | — | 8.43 | 12.77 | 7.46 | 10.60 | 9.43 | — | 13.01 | 11.25 | 65.41 | 20.26 | 12.39 | 26.49 | 14.19 | 18.90 | 7.02 | 8.39 | 3.64 | 4.02 |
| — | +61.9% | — | -10.6% | — | -42.7% | -5.8% | -85.6% | — | +5.0% | -57.5% | +360.9% | +7.2% | +76.5% | +215.6% | +290.2% | +369.6% | +126.8% | +213.9% | +38.2% | -11.0% | |
| Current Ratio | 0.03 | 8.85 | 0.47 | 0.04 | 0.03 | 0.04 | 0.02 | 0.04 | 0.02 | 0.22 | 0.19 | 0.21 | 0.19 | 0.20 | 0.20 | 0.21 | 0.21 | 0.22 | 0.24 | 0.27 | 0.27 |
| — | +22600.3% | +1991.1% | +9.3% | +18.1% | -81.9% | -88.5% | -83.5% | -88.9% | +8.7% | -3.7% | +3.3% | -10.9% | -9.2% | -14.7% | -23.2% | -20.6% | -24.5% | -0.6% | +15.5% | +53.3% | |
| Quick Ratio | 0.03 | 8.85 | 0.47 | 0.04 | 0.03 | 0.04 | 0.02 | 0.04 | 0.02 | 0.22 | 0.19 | 0.21 | 0.19 | 0.20 | 0.20 | 0.21 | 0.21 | 0.22 | 0.24 | 0.27 | 0.27 |
| — | +22600.3% | +1991.1% | +9.3% | +18.1% | -81.9% | -88.5% | -83.5% | -88.9% | +8.7% | -3.7% | +3.3% | -10.9% | -9.2% | -14.7% | -23.2% | -20.6% | -24.5% | -0.6% | +15.5% | +53.3% | |
| Interest Coverage | 0.69 | 0.78 | -0.84 | 0.84 | 0.74 | 0.77 | 0.64 | 0.60 | -3.16 | 0.39 | 0.80 | 0.06 | 0.41 | 0.50 | 0.58 | 0.68 | 0.99 | 2.44 | 5.30 | 6.60 | 8.26 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying FISI stock.
Financial Institutions, Inc.'s current P/E is 9.6x. The average P/E over the last 4 quarters is 8.7x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Financial Institutions, Inc.'s current operating margin is 37.3%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Financial Institutions, Inc.'s business trajectory between earnings reports.