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Friday 6 November 2026
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Financial Institutions, Inc.
FISI Financial Banks Regional
Financial Institutions, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $377.9 million, up 41.8% from fiscal 2024.
- Revenue
- +0.58%
- EPS
- +24.7%
- Free cash flow
- +398.0%
- Total debt
- −31.5%
Quarter to June 2026, against a year earlier
39.72
0.21
+0.53%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
16.04 | 14.69 | 10.75 | 10.81 | 9.78 | 6.61 | 6.87 | 6.76 | 0.00 | 8.54 |
Piotroski F-Score |
7 | 5 | 7 | 7 | 4 | 6 | 7 | 5 | 4 | 6 |
P/S ratio |
3.24 | 2.84 | 2.16 | 2.45 | 1.76 | 2.35 | 1.56 | 0.99 | 1.68 | 1.66 |
P/FCF ratio |
12.24 | 12.09 | 6.50 | 9.42 | 9.08 | 7.51 | 3.02 | 41.72 | 6.21 | 46.92 |
P/Operating CF |
52.71 | 43.13 | 28.53 | 30.98 | 15.57 | 15.04 | 23.43 | (6.92) | 16.59 | 29.27 |
P/B ratio |
1.61 | 1.29 | 1.08 | 1.22 | 0.80 | 1.03 | 0.97 | 0.75 | 0.81 | 1.02 |
Price to Tangible BV |
2.15 | 1.62 | 1.35 | 1.48 | 0.96 | 1.22 | 1.20 | 0.90 | 0.91 | 1.14 |
EV/Sales |
3.02 | 2.48 | 1.83 | 2.10 | 1.66 | 2.33 | 1.33 | 0.99 | 1.75 | 1.88 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
9.78 | 8.83 | 5.30 | 7.61 | 7.83 | 6.83 | 2.41 | 30.27 | 6.04 | 37.84 |
EV/FCF |
11.43 | 10.54 | 5.49 | 8.07 | 8.57 | 7.43 | 2.57 | 41.73 | 6.45 | 53.28 |
Quick Ratio |
0.02 | 0.03 | 0.03 | 0.03 | 0.02 | 0.02 | 0.03 | 0.02 | 0.02 | 0.02 |
Current Ratio |
0.72 | 0.77 | 0.82 | 0.86 | 0.85 | 0.77 | 0.81 | 0.84 | 0.87 | 0.89 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
1.05% | 0.95% | 0.91% | 0.90% | 1.50% | 1.34% | 1.28% | 2.02% | 2.04% | 3.09% |
Debt/Equity |
0.12 | 0.10 | 0.10 | 0.09 | 0.16 | 0.15 | 0.18 | 0.27 | 0.22 | 0.31 |
Asset Turnover |
0.04 | 0.04 | 0.05 | 0.05 | 0.04 | 0.04 | 0.04 | 0.06 | 0.04 | 0.06 |
Operating CF/Net income |
1.53 | 1.44 | 1.71 | 1.22 | 1.18 | 0.96 | 2.42 | 0.22 | (1.79) | 0.26 |
Capex/Depreciation |
(0.74) | (0.68) | (0.20) | (0.32) | (0.33) | (0.44) | (0.64) | (0.26) | (0.52) | (3.76) |
| 10.52% | 9.62% | 10.25% | 11.84% | 8.45% | 16.24% | 12.58% | 11.82% | (8.72%) | 12.62% | |
| 0.86% | 0.82% | 0.90% | 1.09% | 0.79% | 1.46% | 0.97% | 0.82% | (0.70%) | 1.18% | |
ROIC |
9.58% | 8.77% | 9.75% | 10.17% | 6.59% | 12.17% | 12.99% | 8.66% | (7.02%) | 8.00% |
Return on Tangible Assets |
(3.38%) | (3.96%) | (5.99%) | (9.83%) | (6.12%) | (6.98%) | (5.76%) | (5.94%) | 6.70% | (13.28%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
61.63% | 61.35% | 56.13% | 52.41% | 65.44% | 48.22% | 57.79% | 44.86% | 69.22% | 40.53% |
Intangible Assets out of Total Assets |
0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
Share Based Compensation of Revenue |
0.56% | 0.71% | 0.69% | 0.67% | 0.65% | 0.81% | 1.05% | 0.50% | 0.60% | 0.81% |
Graham Net Nets |
(2.06) | (1.97) | (1.85) | (1.24) | (2.23) | (2.56) | (3.32) | (3.55) | (2.29) | (1.47) |
Graham Number |
31.55 | 33.97 | 35.79 | 42.00 | 38.17 | 57.73 | 45.09 | 45.05 | 0.00 | 49.99 |
Earnings Yield |
6.23% | 6.81% | 9.30% | 9.25% | 10.22% | 15.13% | 14.56% | 14.79% | (9.03%) | 11.71% |
Free Cash Flow Yield |
8.17% | 8.27% | 15.38% | 10.62% | 11.02% | 13.31% | 33.10% | 2.40% | 16.10% | 2.13% |
Revenue per Share |
10.46 | 10.96 | 11.89 | 13.10 | 12.76 | 13.52 | 15.76 | 21.75 | 17.00 | 18.80 |
Operating CF per Share |
3.23 | 3.08 | 4.09 | 3.61 | 2.71 | 4.61 | 8.68 | 0.71 | 4.92 | 0.94 |
Capex per Share |
(0.47) | (0.50) | (0.14) | (0.21) | (0.23) | (0.37) | (0.54) | (0.19) | (0.32) | (0.27) |
Free Cash Flow per Share |
2.77 | 2.58 | 3.95 | 3.41 | 2.48 | 4.23 | 8.14 | 0.51 | 4.60 | 0.66 |
Cash per Share |
4.94 | 6.59 | 6.46 | 7.07 | 5.86 | 4.99 | 8.48 | 8.09 | 5.57 | 5.41 |
Shareholders Equity per Share |
22.17 | 25.34 | 24.91 | 27.48 | 29.23 | 31.89 | 26.37 | 29.58 | 36.28 | 31.29 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
22.17 | 25.34 | 24.91 | 27.48 | 29.23 | 31.89 | 26.37 | 29.58 | 36.28 | 31.29 |
Free Cash Flow |
39.93 | 38.77 | 62.89 | 54.43 | 39.71 | 67.07 | 125.20 | 7.90 | 72.15 | 13.35 |
Working Capital |
(945.17) | (854.12) | (678.10) | (523.50) | (642.77) | (1,132.02) | (998.37) | (861.04) | (682.97) | (592.75) |
Capital Expenditures |
(6.76) | (7.51) | (2.25) | (3.28) | (3.74) | (5.89) | (8.37) | (2.99) | (4.97) | (5.45) |
Net Current Asset Value |
(1,008.73) | (921.77) | (757.10) | (637.55) | (803.04) | (1,290.56) | (1,255.61) | (1,169.22) | (1,027.34) | (922.69) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.04 | 0.05 | 0.01 | 0.02 | 0.02 | 0.03 | 0.03 | 0.01 | 0.02 | 0.01 |
Price to Operating Income |
11.07 | 10.40 | 7.88 | 8.63 | 7.64 | 5.18 | 5.21 | 5.23 | 0.00 | 6.86 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.22 | 0.24 | 0.26 | 0.25 | 0.28 | 0.34 | 0.31 | 0.29 | 0.24 | 0.04 |
Cash ROIC |
9.28% | 7.46% | 11.68% | 9.21% | 6.25% | 10.19% | 20.52% | 1.12% | 9.24% | 1.43% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.00 | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 | 0.01 | 0.02 | 0.03 | 0.03 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
87,174.55 | 66,974.19 | 41,145.07 | 33,373.31 | 69,983.15 | 141,233.50 | 62,614.92 | 15,800.90 | 12,451.23 | 14,287.78 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
2,862.88 | 3,102.70 | 3,288.54 | 3,461.29 | 3,917.02 | 4,552.73 | 4,878.26 | 5,071.17 | 5,158.82 | 5,155.54 |
Average Assets |
3,545.68 | 3,907.78 | 4,208.45 | 4,347.94 | 4,648.24 | 5,216.54 | 5,659.03 | 5,979.08 | 6,138.98 | 6,195.61 |
Average Common Equity |
289.61 | 333.28 | 371.41 | 400.29 | 436.33 | 469.44 | 438.08 | 412.91 | 494.60 | 581.63 |
Columns are period end dates · fundamentals updated 26 Oct 2026