FISI

Financial Institutions Inc.

Price

$41.17

return (12m)

43.89%

p/e

9.69

p/bv

1.24

DIVIDEND YIELD

3.12%

FISI price

Financial Institutions

If you had invested

exposure

years ago

ago, you would now have *

ago, you would now have:

*The amount considers the reinvestment of dividends.

Return on Investment FISI

1 month

3 months

1 year

2 years

5 years

10 years

return

1 month

5.46%

3 months

-0.44%

1 year

43.89%

2 years

80.94%

5 years

58.36%

10 years

132.78%

Profitability Comparator

If you had invested

years ago

ago, you would now have:

Fundamentals FISI

Valuation

P/E

9.69

Sector -138.41

Industry -53.61

P/BV

1.24

Sector -9.97

Industry -43.35

P/Revenue (PSR)

3.14

Sector -9.86

Industry -

P/EBITDA

Sector -68.09

Industry -119.72

P/EBIT

Sector -71.51

Industry -106.73

P/Total Assets

0.13

Sector 0.13

Industry 0.38

P/Net Current Assets

-0.14

Sector -9.93

Industry -

P/Working Capital

Sector -

Industry -

EPS

4.20

Sector -9,535.79

Industry -25,007.13

BVPS

32.68

Sector -8,460.32

Industry -29,307.97

Efficiency

Gross Margin

0.00%

Sector 1.10%

Industry -1.28%

EBITDA Margin

0.00%

Sector -258.36%

Industry -

EBIT Margin

0.00%

Sector -7.29%

Industry -13.06%

Net Profit Margins

32.41%

Sector -2.30%

Industry -10.59%

Asset Turnover

0.01

Sector 0.01

Industry 0.00

Profitability

ROE

12.84%

Sector -1,324.85%

Industry -5,287.10%

ROA

1.30%

Sector -8.21%

Industry -17.99%

ROIC

0.00%

Sector -12.03%

Industry -38.27%

Dividends

Dividend yield

3.12%

Sector 0.26%

Industry -

Payout

30.23%

Sector 5.51%

Industry -

Debt

Current Ratio

Sector -

Industry -

Net Debt / Equity

0.00

Sector -1.34

Industry -0.77

Gross Debt / Equity

0.00

Sector -0.24

Industry -0.27

Equity/Assets

0.10

Sector -0.03

Industry -0.21

Liabilities/Assets

0.90

Sector 0.36

Industry -0.01

Growth

5Y Revenue CAGR

4.80%

Sector -

Industry -

5Y Earnings CAGR

1.24%

Sector -

Industry -

Fundamentals FISI

DRAG THE FRAME TO SEE MORE DATA

FAIR VALUE OF Financial Institutions ACCORDING TO BENJAMIN GRAHAM

Graham's Fair Value

The Fair Value formula was created by Benjamin Graham to identify stocks with appreciation potential or that are being traded for less than they are worth. Graham was one of the greatest investors in history and Warren Buffett’s mentor.

Current price

$41.17

Fair Value

$55.57

Upside

34.98%

See Graham's ranking

Because it considers equity value in its calculation, this formula may not work well for technology companies.

This is not a buy/sell recommendation; the fair value calculation takes into account only the formula created by Benjamin Graham, published in the book The Intelligent Investor.

Assets	Price ($)	Return 12m	DY	P/E	P/BV	ROE	Net Profit Margins
FISI Financial Institutions Inc.	$41.17	43.89%	3.12%	9.69	1.24	12.84%	32.41%
JPM JPMorgan Chase & Co.	$344.15	15.45%	1.79%	13.67	2.41	17.92%	21.74%
NU Nu Holdings (NuBank)	$12.02	-24.53%	0.00%	16.71	4.55	27.22%	18.61%
BAC Bank of America Corporation	$51.74	0.60%	2.28%	11.45	1.25	10.95%	27.34%
INTR Inter & Co. Inc. Class A Common Shares (Banco Inter)	$4.08	-56.74%	2.48%	6.94	1.00	14.43%	9.28%
HSBC HSBC Holdings PLC	$87.05	29.87%	4.34%	11.83	1.52	12.98%	18.78%
C Citigroup Inc.	$126.53	28.15%	2.03%	11.68	1.07	9.09%	14.38%
RY ROYAL BANK OF CANADA	$207.01	43.61%	2.34%	147.22	20.58	13.98%	15.76%
ITUB Itau Unibanco Banco Holding SA	$7.32	10.98%	7.62%	12.30	1.98	16.14%	9.37%
ING ING Group N.V.	$32.26	38.95%	4.13%	7.98	1.63	20.47%	25.17%
SAN Banco Santander SA ADR	$11.75	17.31%	2.08%	5.55	1.37	25.48%	29.74%
LYG Lloyds Banking Group PLC	$5.22	15.88%	4.02%	10.82	1.30	12.01%	8.53%
WFC Wells Fargo & Company	$85.08	0.02%	2.23%	11.51	1.44	12.54%	16.90%
NWG NatWest Group PLC	$16.99	15.56%	5.50%	4.19	0.59	14.20%	20.45%
TD Toronto Dominion Bank	$127.65	60.59%	2.50%	12.78	1.62	12.71%	14.14%
BCS Barclays PLC	$23.11	9.56%	2.73%	11.56	0.88	6.94%	15.93%
BBD Banco Bradesco SA ADR	$2.64	-15.24%	9.24%	6.03	0.80	13.25%	7.24%
BSBR Banco Santander Brasil SA ADR	$4.58	-12.16%	7.47%	12.80	1.38	11.26%	3.93%
MUFG Mitsubishi UFJ Financial Group Inc.	$21.96	50.41%	2.05%	13.21	1.72	13.03%	20.55%
BSAC Banco Santander Chile	$31.27	16.13%	4.84%	12.08	2.61	21.58%	34.03%
DB Deutsche Bank AG	$34.90	3.86%	2.71%	12.94	0.90	6.99%	8.91%

Stock vs Indice Comparison Tool

If you had invested

years ago

ago, you would now have *

ago, you would now have:

*This calculation reflects price variation only.

FISI - Historical Dividends

Current Dividend Yield

3.12%

5-year average Dividend Yield

5.04%

Current Payout

30.23%

5-year average Payout

33.40%

DRAG THE FRAME TO SEE MORE DATA

type	Ex - Dividend Date	payment date	value
Dividends	09/14/2026	10/02/2026	0.32000000
Dividends	06/11/2026	07/02/2026	0.32000000
Dividends	03/12/2026	04/02/2026	0.32000000
Dividends	12/12/2025	01/02/2026	0.31000000
Dividends	09/12/2025	10/02/2025	0.31000000
Dividends	06/12/2025	07/02/2025	0.31000000
Dividends	03/13/2025	04/02/2025	0.31000000
Dividends	12/12/2024	01/02/2025	0.30000000
Dividends	09/12/2024	10/02/2024	0.30000000
Dividends	06/13/2024	07/02/2024	0.30000000
Dividends	03/13/2024	04/02/2024	0.30000000
Dividends	12/12/2023	01/02/2024	0.30000000
Dividends	09/12/2023	10/02/2023	0.30000000
Dividends	06/13/2023	07/03/2023	0.30000000
Dividends	03/14/2023	04/03/2023	0.30000000
Dividends	12/14/2022	01/03/2023	0.29000000
Dividends	09/14/2022	10/03/2022	0.29000000
Dividends	06/15/2022	07/05/2022	0.29000000
Dividends	03/16/2022	04/04/2022	0.29000000
Dividends	12/15/2021	01/03/2022	0.27000000
Dividends	09/15/2021	10/04/2021	0.27000000
Dividends	06/16/2021	07/02/2021	0.27000000
Dividends	03/17/2021	04/02/2021	0.27000000
Dividends	12/17/2020	01/04/2021	0.26000000
Dividends	09/09/2020	10/02/2020	0.26000000
Dividends	06/10/2020	07/02/2020	0.26000000
Dividends	03/17/2020	04/02/2020	0.26000000
Dividends	12/11/2019	01/02/2020	0.25000000
Dividends	09/11/2019	10/02/2019	0.25000000
Dividends	06/12/2019	07/02/2019	0.25000000
Dividends	03/13/2019	04/02/2019	0.25000000
Dividends	12/11/2018	01/02/2019	0.24000000
Dividends	09/11/2018	10/02/2018	0.24000000
Dividends	06/12/2018	07/02/2018	0.24000000
Dividends	03/13/2018	04/02/2018	0.24000000
Dividends	12/12/2017	01/02/2018	0.22000000
Dividends	09/12/2017	10/02/2017	0.21000000
Dividends	06/12/2017	07/03/2017	0.21000000
Dividends	03/10/2017	04/03/2017	0.21000000
Dividends	12/08/2016	01/03/2017	0.21000000
Dividends	09/08/2016	10/03/2016	0.20000000
Dividends	06/09/2016	07/05/2016	0.20000000
Dividends	03/11/2016	04/04/2016	0.20000000
Dividends	12/08/2015	01/04/2016	0.20000000
Dividends	09/08/2015	10/02/2015	0.20000000
Dividends	06/09/2015	07/02/2015	0.20000000
Dividends	03/10/2015	04/02/2015	0.20000000
Dividends	12/10/2014	01/02/2015	0.20000000
Dividends	09/10/2014	10/02/2014	0.19000000
Dividends	06/11/2014	07/02/2014	0.19000000
Dividends	03/11/2014	04/02/2014	0.19000000
Dividends	12/10/2013	01/02/2014	0.19000000
Dividends	09/10/2013	10/02/2013	0.19000000
Dividends	06/11/2013	07/02/2013	0.18000000
Dividends	03/12/2013	04/02/2013	0.18000000
Dividends	12/13/2012	01/02/2013	0.16000000
Dividends	09/10/2012	10/02/2012	0.14000000
Dividends	06/11/2012	07/02/2012	0.14000000
Dividends	03/12/2012	04/02/2012	0.13000000
Dividends	12/12/2011	01/03/2012	0.13000000
Dividends	09/14/2011	10/03/2011	0.12000000
Dividends	06/15/2011	07/05/2011	0.12000000
Dividends	03/03/2011	04/02/2011	0.10000000
Dividends	12/09/2010	01/03/2011	0.10000000
Dividends	09/09/2010	10/04/2010	0.10000000
Dividends	06/10/2010	07/02/2010	0.10000000
Dividends	03/11/2010	04/02/2010	0.10000000
Dividends	12/11/2009	01/04/2010	0.10000000
Dividends	09/14/2009	10/02/2009	0.10000000
Dividends	06/11/2009	07/02/2009	0.10000000
Dividends	03/12/2009	04/01/2009	0.10000000
Dividends	12/11/2008	01/02/2009	0.10000000
Dividends	09/11/2008	10/01/2008	0.15000000
Dividends	06/12/2008	07/01/2008	0.15000000
Dividends	03/13/2008	04/01/2008	0.14000000
Dividends	12/13/2007	01/02/2008	0.13000000
Dividends	09/12/2007	10/01/2007	0.12000000
Dividends	06/13/2007	07/02/2007	0.11000000
Dividends	03/14/2007	04/02/2007	0.10000000
Dividends	12/13/2006	01/02/2007	0.09000000
Dividends	09/13/2006	10/02/2006	0.09000000
Dividends	06/13/2006	07/03/2006	0.08000000
Dividends	03/13/2006	04/03/2006	0.08000000
Dividends	12/15/2005	01/03/2006	0.08000000
Dividends	09/15/2005	10/03/2005	0.08000000
Dividends	06/16/2005	07/01/2005	0.08000000
Dividends	03/16/2005	04/01/2005	0.16000000
Dividends	12/16/2004	01/03/2005	0.16000000
Dividends	09/23/2004	10/01/2004	0.16000000
Dividends	06/17/2004	07/01/2004	0.16000000
Dividends	03/18/2004	04/01/2004	0.16000000
Dividends	12/15/2003	01/02/2004	0.16000000
Dividends	09/15/2003	10/01/2003	0.16000000
Dividends	06/11/2003	07/01/2003	0.16000000
Dividends	03/06/2003	04/01/2003	0.16000000
Dividends	12/12/2002	01/02/2003	0.16000000
Dividends	09/10/2002	10/01/2002	0.15000000
Dividends	06/13/2002	07/01/2002	0.14000000
Dividends	03/12/2002	04/01/2002	0.13000000
Dividends	12/10/2001	01/02/2002	0.13000000
Dividends	09/10/2001	10/01/2001	0.12000000
Dividends	06/11/2001	07/02/2001	0.12000000
Dividends	03/12/2001	04/02/2001	0.11000000
Dividends	12/11/2000	01/02/2001	0.11000000
Dividends	09/11/2000	10/02/2000	0.11000000
Dividends	06/12/2000	07/03/2000	0.10000000
Dividends	03/13/2000	04/03/2000	0.10000000
Dividends	12/13/1999	01/03/2000	0.08000000

ABOUT Financial Institutions

Financial Institutions Inc.

Average Investor10 user rating

4.0 (2 people)

United States

95 years

Founded: 1931

1999

Time since IPO - 27 years

613

Employees

Financial Institutions Inc. (United States) is listed on the Nasdaq and has a market capitalization of $800.97 million, with shareholders equity totaling $643.44 million.

The company employs approximately 613 people and operates in the Financial sector, within the Banks industry.

Over the past 12 months, Financial Institutions Inc. reported $254.95 million in revenue, generating net income of $82.63 million.

Key financial metrics include a P/E ratio of 9.69, a price-to-book (P/B) ratio of 1.24, and a trailing twelve-month dividend yield of 3.12%.

The company trades under the ticker FISI.

Market cap

$800.97 million

Net worth

$643.44 million

$643,441,000.00

Assets

$6.33 billion

$6,334,952,000.00

Total Shares Outstanding

19.69 million

19,687,000

Average Daily Trading Volume

$130.50 Thousand

$130,504.10

Sector

Financial

Industry

Banks

FISI

FISI revenue and profits

Financial Results FISI

DRAG THE FRAME TO SEE MORE DATA

FISI cash flow

DRAG THE FRAME TO SEE MORE DATA

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BRK-B - Berkshire Hathaway

$543.54 14,25% (12M)

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11.46%

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JPM - JPMorgan

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SNEX - StoneX Group

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$11.75 18,57% (12M)

P/E

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GS - Goldman Sachs

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HSBC - HSBC

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P/E

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4.34%

ROE

12.98%

P/BV

1.52