Financial Institutions Statistics
Total Valuation
FISI has a market cap or net worth of $766.39 million. The enterprise value is $903.50 million.
Important Dates
The next estimated earnings date is Thursday, July 23, 2026, after market close.
| Earnings Date | Jul 23, 2026 |
| Ex-Dividend Date | Jun 12, 2026 |
Share Statistics
FISI has 19.69 million shares outstanding. The number of shares has increased by 20.04% in one year.
| Current Share Class | 19.69M |
| Shares Outstanding | 19.69M |
| Shares Change (YoY) | +20.04% |
| Shares Change (QoQ) | -2.09% |
| Owned by Insiders (%) | 2.82% |
| Owned by Institutions (%) | 72.40% |
| Float | 17.31M |
Valuation Ratios
The trailing PE ratio is 10.14 and the forward PE ratio is 9.79.
| PE Ratio | 10.14 |
| Forward PE | 9.79 |
| PS Ratio | 3.20 |
| Forward PS | 2.93 |
| PB Ratio | 1.25 |
| P/TBV Ratio | 1.38 |
| P/FCF Ratio | 28.28 |
| P/OCF Ratio | 23.59 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 11.66 |
| EV / Sales | 3.77 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 33.34 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 9.24 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 12.93%.
| Return on Equity (ROE) | 12.93% |
| Return on Assets (ROA) | 1.25% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 5.98% |
| Revenue Per Employee | $379,450 |
| Profits Per Employee | $122,848 |
| Employee Count | 631 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, FISI has paid $16.59 million in taxes.
| Income Tax | 16.59M |
| Effective Tax Rate | 17.36% |
Stock Price Statistics
The stock price has increased by +54.73% in the last 52 weeks. The beta is 0.67, so FISI's price volatility has been lower than the market average.
| Beta (5Y) | 0.67 |
| 52-Week Price Change | +54.73% |
| 50-Day Moving Average | 35.79 |
| 200-Day Moving Average | 31.89 |
| Relative Strength Index (RSI) | 71.03 |
| Average Volume (20 Days) | 211,029 |
Short Selling Information
The latest short interest is 633,719, so 3.22% of the outstanding shares have been sold short.
| Short Interest | 633,719 |
| Short Previous Month | 571,278 |
| Short % of Shares Out | 3.22% |
| Short % of Float | 3.66% |
| Short Ratio (days to cover) | 7.24 |
Income Statement
In the last 12 months, FISI had revenue of $239.43 million and earned $77.52 million in profits. Earnings per share was $3.84.
| Revenue | 239.43M |
| Gross Profit | 239.43M |
| Operating Income | 100.56M |
| Pretax Income | 95.56M |
| Net Income | 77.52M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $3.84 |
Full Income StatementBalance Sheet
The company has $113.20 million in cash and $250.31 million in debt, giving a net cash position of -$137.11 million or -$6.96 per share.
| Cash & Cash Equivalents | 113.20M |
| Total Debt | 250.31M |
| Net Cash | -137.11M |
| Net Cash Per Share | -$6.96 |
| Equity (Book Value) | 631.67M |
| Book Value Per Share | 31.21 |
| Working Capital | -5.38B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $32.49 million and capital expenditures -$5.38 million, giving a free cash flow of $27.10 million.
| Operating Cash Flow | 32.49M |
| Capital Expenditures | -5.38M |
| Depreciation & Amortization | n/a |
| Net Borrowing | 14.00M |
| Free Cash Flow | 27.10M |
| FCF Per Share | $1.38 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 42.00% |
| Pretax Margin | 39.91% |
| Profit Margin | 32.98% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 11.32% |