NASDAQ · Banks - Regional

FISI (FISI) Stock

$41.26 +0.02% NASDAQ: FISI Financial Services

Valuation

MetricValue
Price$41.26
Market Cap$812.26M
P/E Ratio9.80
P/B Ratio1.21
P/S Ratio1.96
EPS (TTM)$3.84
52-Week High$41.26
52-Week Low$24.50
Dividend Yield3.35%

Financials & Margins

MetricValue
ROE12.93%
ROA1.25%
ROCE14.47%
Gross Margin63.66%
Operating Margin25.27%
Net Margin20.88%
Debt/Equity0.36
Current Ratio0.03

Annual Financials (USD)

Metric20212022202320242025
Revenue$212.0M$241.0M$333.0M$264.0M$378.0M
Operating Profit$97.0M$71.0M$63.0M$-68.0M$91.0M
Net Profit$78.0M$57.0M$50.0M$-42.0M$75.0M
EPS$4.78$3.56$3.15$-2.75$3.61
Op Margin45.9%29.4%19.0%-25.8%24.2%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$5.5B$5.8B$6.2B$6.1B$6.3B
Total Liabilities$5.0B$5.4B$5.7B$5.5B$5.6B
Cash$79.0M$130.0M$124.0M$87.0M$109.0M
Borrowings$104.0M$312.0M$343.0M$257.0M$334.0M

Latest News

Financial Institutions (FISI) Reports Next Week: Wall Street Expects Earnings Growth Zacks · Jul 16, 2026 Financial Institutions (FISI) Could Be a Great Choice Zacks · Jul 8, 2026 Financial Institutions, Inc. Schedules Second Quarter 2026 Earnings Release and Conference Call GlobeNewswire · Jun 30, 2026 Are You Looking for a Top Momentum Pick? Why Financial Institutions (FISI) is a Great Choice Zacks · Jun 30, 2026 Citizens Financial Services Inc. (CZFS) Hit a 52 Week High, Can the Run Continue? Zacks · Jun 29, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$73.0M$134.0M$11.0M$77.0M$19.0M
Investing Cash Flow$-643.0M$-334.0M$-313.0M$-13.0M$-146.0M
Financing Cash Flow$539.0M$87.0M$283.0M$-109.0M$90.0M
Net Cash Flow$-15.0M$51.0M$-6.0M$-37.0M$21.0M
Free Cash Flow$64.0M$125.0M$8.0M$72.0M$13.0M

Valuation & Return Ratios

MetricValue
PEG Ratio1.41
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y48.29%
Return 3Y157.55%
Return 5Y66.84%

Ownership

Insiders Held2.58%
Institutions Held82.49%
Institutions Float Held84.68%
Institutional HolderSharesReport Date
PL Capital Advisors, LLC1,816,1022026-03-31
Blackrock Inc.1,478,0722026-03-31
Dimensional Fund Advisors LP957,6672026-03-31
Adage Capital Partners GP L.L.C.948,4412026-03-31
Wellington Management Group, LLP900,4932026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
ALRS $33.32 +1.77% 39.04 $837.28M 3.10%
BCAL $21.21 +0.90% 9.85 $682.22M 1.05%
FFIC $15.47 +0.00% 29.02 $524.18M 5.54%
FFWMFirst Foundation Inc. $5.90 +2.43% -3.13 $489.27M 0.00%
FMNB $15.90 -0.56% 9.43 $707.07M 4.90%

About FISI

FISI is led by CEO Martin K. Birmingham, employs 598 people, headquartered in US, publicly traded since 1999.

FISI stock trades at $41.26 with a market capitalization of $812.26M. The stock is valued at a price-to-earnings (P/E) ratio of 9.80, price-to-book of 1.21, price-to-sales of 1.96. Over the past 52 weeks the stock has ranged between $24.50 and $41.26, and currently trades at its 52-week high. It pays a dividend yielding 3.35%.

On profitability, FISI generates a return on equity (ROE) of 12.93%, above the typical market average, return on capital employed of 14.47%, an operating margin of 25.27%, a net profit margin of 20.88%.

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