Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Financial Institutions, Inc.'s quarterly P/E stands at 8.1x.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 10.35 | 8.12 | 6.87 | 7.55 | 7.70 | — | 7.58 | 2.98 | 42.77 | 8.73 | 4.78 | 4.32 | 6.34 |
| — | — | -9.4% | +153.3% | -82.0% | — | +58.5% | -31.1% | +574.4% | +8.9% | -30.1% | -34.2% | -21.7% | |
| P/S Ratio | 1.95 | 1.64 | 1.44 | 1.40 | 1.39 | — | 1.15 | 0.74 | 0.82 | 0.91 | 0.77 | 0.74 | 1.00 |
| — | — | +25.5% | +89.7% | +69.2% | — | +49.2% | -0.3% | -17.8% | -33.9% | -47.6% | -58.4% | -55.3% | |
| P/B Ratio | 1.21 | 1.01 | 0.89 | 0.87 | 0.86 | 0.79 | 0.80 | 0.64 | 0.66 | 0.73 | 0.64 | 0.57 | 0.70 |
| — | +27.9% | +11.8% | +34.7% | +30.8% | +8.4% | +25.0% | +12.8% | -6.8% | -21.5% | -32.3% | -39.4% | -33.5% | |
| P/FCF | 54.07 | 8.71 | — | — | 13.77 | 4.21 | — | 2.16 | 6.58 | — | 1.50 | 7.71 | 13.02 |
| — | +107.0% | — | — | +109.4% | — | — | -71.9% | -49.5% | — | -44.8% | +168.1% | +373.2% | |
| EV / EBITDA | 10.52 | 8.95 | 5.25 | 7.22 | 6.12 | — | 5.52 | 4.02 | 19.47 | 8.10 | 4.02 | 7.45 | 5.88 |
| — | — | -4.9% | +79.7% | -68.6% | — | +37.4% | -46.1% | +231.4% | -3.9% | -17.0% | +37.2% | +27.0% | |
| EV / EBIT | 10.52 | 8.95 | 5.64 | 7.86 | 6.69 | — | 6.21 | 4.27 | 35.73 | 9.19 | 4.51 | 8.35 | 6.69 |
| — | — | -9.2% | +84.3% | -81.3% | — | +37.9% | -48.9% | +434.0% | -4.6% | -15.2% | +37.5% | +31.0% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Financial Institutions, Inc.'s operating margin was 24.9% in Q4 2025, down 1.4 pp QoQ and down 813.2 pp YoY. Gross margin contracted 84.8% YoY, suggesting cost inflation or competitive pricing pressure.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 61.7% | 62.9% | 63.1% | 60.8% | 59.5% | 414.8% | 53.1% | 60.8% | 41.5% | 54.0% | 59.7% | 60.5% | 64.4% |
| — | -84.8% | +18.8% | +0.1% | +43.5% | +667.6% | -11.0% | +0.5% | -35.6% | -22.5% | -26.4% | -34.6% | -28.7% | |
| Operating Margin | 24.2% | 24.9% | 26.2% | 23.1% | 22.7% | 838.1% | 16.7% | 29.6% | 2.7% | 16.4% | 19.4% | 20.4% | 20.0% |
| — | -97.0% | +56.7% | -21.9% | +731.1% | +5019.7% | -13.8% | +44.5% | -86.3% | -22.4% | -33.9% | -40.9% | -42.7% | |
| Net Margin | 19.8% | 20.7% | 21.3% | 18.8% | 18.5% | 602.1% | 15.5% | 25.1% | 2.3% | 10.7% | 16.5% | 17.5% | 16.2% |
| — | -96.6% | +37.4% | -25.1% | +697.1% | +5517.2% | -6.3% | +43.5% | -85.7% | -39.2% | -24.5% | -36.9% | -42.7% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 12.5% | 3.2% | 3.3% | 2.9% | 2.9% | -15.5% | 2.8% | 5.6% | 0.5% | 2.3% | 3.4% | 3.4% | 2.9% |
| — | +120.6% | +20.3% | -47.6% | +533.6% | -783.8% | -17.2% | +65.7% | -84.2% | -25.1% | -0.6% | -5.6% | -7.3% | |
| ROA | 1.2% | 0.3% | 0.3% | 0.3% | 0.3% | -1.3% | 0.2% | 0.4% | 0.0% | 0.2% | 0.2% | 0.2% | 0.2% |
| — | +123.6% | +50.3% | -31.9% | +716.3% | -948.7% | -4.0% | +73.7% | -83.8% | -24.9% | -7.8% | -15.1% | -23.5% | |
| ROIC | 7.7% | 2.0% | 2.3% | 2.0% | 1.9% | -11.2% | 1.4% | 2.9% | 0.2% | 1.6% | 1.6% | 1.6% | 1.6% |
| — | +117.9% | +59.7% | -32.5% | +701.8% | -819.9% | -10.5% | +82.1% | -85.3% | -9.7% | -35.0% | -38.7% | -34.0% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Financial Institutions, Inc.'s Debt/EBITDA ratio is 13.9x, up from 7.5x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 5416.3% YoY to 1.17x, strengthening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.53 | 0.53 | 0.33 | 0.41 | 0.36 | 0.45 | 0.43 | 0.77 | 0.65 | 0.75 | 0.56 | 1.17 | 0.57 |
| — | +17.8% | -23.6% | -46.5% | -44.9% | -40.3% | -23.9% | -34.2% | +15.0% | -2.0% | +54.0% | +172.2% | +243.2% | |
| Debt / EBITDA | 3.66 | 13.93 | 7.46 | 10.60 | 9.43 | — | 13.01 | 11.25 | 65.41 | 20.26 | 12.39 | 26.49 | 14.19 |
| — | — | -42.7% | -5.8% | -85.6% | — | +5.0% | -57.5% | +360.9% | +7.2% | +76.5% | +215.6% | +290.2% | |
| Current Ratio | 1.00 | 1.17 | 0.04 | 0.02 | 0.04 | 0.02 | 0.22 | 0.19 | 0.21 | 0.19 | 0.20 | 0.20 | 0.21 |
| — | +5416.3% | -81.9% | -88.5% | -83.5% | -88.9% | +8.7% | -3.7% | +3.3% | -10.9% | -9.2% | -14.7% | -23.2% | |
| Quick Ratio | 1.00 | 1.17 | 0.04 | 0.02 | 0.04 | 0.02 | 0.22 | 0.19 | 0.21 | 0.19 | 0.20 | 0.20 | 0.21 |
| — | +5416.3% | -81.9% | -88.5% | -83.5% | -88.9% | +8.7% | -3.7% | +3.3% | -10.9% | -9.2% | -14.7% | -23.2% | |
| Interest Coverage | 0.69 | 0.74 | 0.77 | 0.64 | 0.60 | -3.16 | 0.39 | 0.80 | 0.06 | 0.41 | 0.50 | 0.58 | 0.68 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 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 10.3x. The average P/E over the last 4 quarters is 7.6x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Financial Institutions, Inc.'s current operating margin is 24.2%. Margins have been expanding 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.