Saturday 17 October 2026
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Financial Institutions, Inc.
FISI Financial Banks Regional
In the quarter to June 2026, revenue was flat, EPS grew 24.7%, free cash flow grew 398.0% and total debt fell 31.5%, each against the same quarter a year earlier. Dividend growth for ten consecutive years; insiders bought in the last twelve months.
39.31
0.04
+0.10%
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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | Dec '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
8.54 | 0.00 | 6.76 | 6.87 | 6.61 | 9.78 | 10.81 | 10.75 | 14.69 | 16.04 |
Piotroski F-Score |
6 | 4 | 5 | 7 | 6 | 4 | 7 | 7 | 5 | 7 |
P/S ratio |
1.66 | 1.61 | 0.99 | 1.56 | 2.35 | 1.76 | 2.45 | 2.16 | 2.84 | 3.24 |
P/FCF ratio |
46.92 | 5.93 | 41.72 | 3.02 | 7.51 | 9.08 | 9.42 | 6.50 | 12.09 | 12.24 |
P/Operating CF |
29.27 | 15.84 | (6.92) | 23.43 | 15.04 | 15.57 | 30.98 | 28.53 | 43.13 | 52.71 |
P/B ratio |
1.02 | 0.78 | 0.75 | 0.97 | 1.03 | 0.80 | 1.22 | 1.08 | 1.29 | 1.61 |
Price to Tangible BV |
1.14 | 0.87 | 0.90 | 1.20 | 1.22 | 0.96 | 1.48 | 1.35 | 1.62 | 2.15 |
EV/Sales |
1.88 | 1.75 | 0.99 | 1.33 | 2.33 | 1.66 | 2.10 | 1.83 | 2.48 | 3.02 |
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 |
37.84 | 6.04 | 30.27 | 2.41 | 6.83 | 7.83 | 7.61 | 5.30 | 8.83 | 9.78 |
EV/FCF |
53.28 | 6.45 | 41.73 | 2.57 | 7.43 | 8.57 | 8.07 | 5.49 | 10.54 | 11.43 |
Quick Ratio |
0.02 | 0.02 | 0.02 | 0.03 | 0.02 | 0.02 | 0.03 | 0.03 | 0.03 | 0.02 |
Current Ratio |
0.89 | 0.87 | 0.84 | 0.81 | 0.77 | 0.85 | 0.86 | 0.82 | 0.77 | 0.72 |
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 |
3.09% | 2.04% | 2.02% | 1.28% | 1.34% | 1.50% | 0.90% | 0.91% | 0.95% | 1.05% |
Debt/Equity |
0.31 | 0.22 | 0.27 | 0.18 | 0.15 | 0.16 | 0.09 | 0.10 | 0.10 | 0.12 |
Asset Turnover |
0.06 | 0.04 | 0.06 | 0.04 | 0.04 | 0.04 | 0.05 | 0.05 | 0.04 | 0.04 |
Operating CF/Net income |
0.26 | (1.79) | 0.22 | 2.42 | 0.96 | 1.18 | 1.22 | 1.71 | 1.44 | 1.53 |
Capex/Depreciation |
(3.76) | (0.52) | (0.26) | (0.64) | (0.44) | (0.33) | (0.32) | (0.20) | (0.68) | (0.74) |
| 12.62% | (8.72%) | 11.82% | 12.58% | 16.24% | 8.45% | 11.84% | 10.25% | 9.62% | 10.52% | |
| 1.18% | (0.70%) | 0.82% | 0.97% | 1.46% | 0.79% | 1.09% | 0.90% | 0.82% | 0.86% | |
ROIC |
8.00% | (7.02%) | 8.66% | 12.99% | 12.17% | 6.59% | 10.17% | 9.75% | 8.77% | 9.58% |
Return on Tangible Assets |
(13.28%) | 6.70% | (5.94%) | (5.76%) | (6.98%) | (6.12%) | (9.83%) | (5.99%) | (3.96%) | (3.38%) |
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 |
40.53% | 69.22% | 44.86% | 57.79% | 48.22% | 65.44% | 52.41% | 56.13% | 61.35% | 61.63% |
Intangible Assets out of Total Assets |
0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 |
Share Based Compensation of Revenue |
0.81% | 0.60% | 0.50% | 1.05% | 0.81% | 0.65% | 0.67% | 0.69% | 0.71% | 0.56% |
Graham Net Nets |
(1.47) | (2.40) | (3.55) | (3.32) | (2.56) | (2.23) | (1.24) | (1.85) | (1.97) | (2.06) |
Graham Number |
49.99 | 0.00 | 45.05 | 45.09 | 57.73 | 38.17 | 42.00 | 35.79 | 33.97 | 31.55 |
Earnings Yield |
11.71% | (5.20%) | 14.79% | 14.56% | 15.13% | 10.22% | 9.25% | 9.30% | 6.81% | 6.23% |
Free Cash Flow Yield |
2.13% | 16.86% | 2.40% | 33.10% | 13.31% | 11.02% | 10.62% | 15.38% | 8.27% | 8.17% |
Revenue per Share |
18.80 | 17.00 | 21.75 | 15.76 | 13.52 | 12.76 | 13.10 | 11.89 | 10.96 | 10.46 |
Operating CF per Share |
0.94 | 4.92 | 0.71 | 8.68 | 4.61 | 2.71 | 3.61 | 4.09 | 3.08 | 3.23 |
Capex per Share |
(0.27) | (0.32) | (0.19) | (0.54) | (0.37) | (0.23) | (0.21) | (0.14) | (0.50) | (0.47) |
Free Cash Flow per Share |
0.66 | 4.60 | 0.51 | 8.14 | 4.23 | 2.48 | 3.41 | 3.95 | 2.58 | 2.77 |
Cash per Share |
5.41 | 5.57 | 8.09 | 8.48 | 4.99 | 5.86 | 7.07 | 6.46 | 6.59 | 4.94 |
Shareholders Equity per Share |
31.29 | 36.28 | 29.58 | 26.37 | 31.89 | 29.23 | 27.48 | 24.91 | 25.34 | 22.17 |
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 |
31.29 | 36.28 | 29.58 | 26.37 | 31.89 | 29.23 | 27.48 | 24.91 | 25.34 | 22.17 |
Free Cash Flow |
13.35 | 72.15 | 7.90 | 125.20 | 67.07 | 39.71 | 54.43 | 62.89 | 38.77 | 39.93 |
Working Capital |
(592.75) | (682.97) | (861.04) | (998.37) | (1,132.02) | (642.77) | (523.50) | (678.10) | (854.12) | (945.17) |
Capital Expenditures |
(5.45) | (4.97) | (2.99) | (8.37) | (5.89) | (3.74) | (3.28) | (2.25) | (7.51) | (6.76) |
Net Current Asset Value |
(922.69) | (1,027.34) | (1,169.22) | (1,255.61) | (1,290.56) | (803.04) | (637.55) | (757.10) | (921.77) | (1,008.73) |
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 |
0.01 | 0.02 | 0.01 | 0.03 | 0.03 | 0.02 | 0.02 | 0.01 | 0.05 | 0.04 |
Price to Operating Income |
6.86 | 0.00 | 5.23 | 5.21 | 5.18 | 7.64 | 8.63 | 7.88 | 10.40 | 11.07 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.04 | 0.24 | 0.29 | 0.31 | 0.34 | 0.28 | 0.25 | 0.26 | 0.24 | 0.22 |
Cash ROIC |
1.43% | 9.24% | 1.12% | 20.52% | 10.19% | 6.25% | 9.21% | 11.68% | 7.46% | 9.28% |
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 |
0.03 | 0.03 | 0.02 | 0.01 | 0.00 | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 |
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 |
14,287.78 | 12,451.23 | 15,800.90 | 62,614.92 | 141,233.50 | 69,983.15 | 33,373.31 | 41,145.07 | 66,974.19 | 87,174.55 |
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 |
5,155.54 | 5,158.82 | 5,071.17 | 4,878.26 | 4,552.73 | 3,917.02 | 3,461.29 | 3,288.54 | 3,102.70 | 2,862.88 |
Average Assets |
6,195.61 | 6,138.98 | 5,979.08 | 5,659.03 | 5,216.54 | 4,648.24 | 4,347.94 | 4,208.45 | 3,907.78 | 3,545.68 |
Average Common Equity |
581.63 | 494.60 | 412.91 | 438.08 | 469.44 | 436.33 | 400.29 | 371.41 | 333.28 | 289.61 |
Columns are period end dates