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Financial Institutions, Inc.

FISINASDAQFinancial Services·US · USD
$38.45
-0.60 (-1.54%)
Prices as of October 9, 2026 · market closed

Price

Key statistics

Valuation
Market cap757.71M USD
Enterprise value971.76M USD
Trailing P/E9.63
Forward P/E9.03
PEG ratio0.39
Price / sales3.14
Price / book1.22
Profitability
Gross margin0.00%
Operating margin43.60%
Profit margin33.94%
Return on assets1.32%
Return on equity13.27%
Income (TTM)
Revenue243.46M USD
Gross profit243.46M USD
EBITDA0.00 USD
Net income81.17M USD
Diluted EPS$4.03
Rev. growth (YoY)7.00%
Balance sheet
Total cash128.36M USD
Total debt320.00M USD
Debt / equity0.50
Current ratio0.00
Book value / share$31.77
Cash flow (TTM)
Operating cash flow60.87M USD
Levered free cash flow73.41M USD
Shares & price
Shares outstanding19.71M
Float17.33M
Held by institutions81.56%
Beta0.64
50-day MA$40.82
200-day MA$36.04
52-week high$42.97
52-week low$25.61
Dividends
Forward rate
$1.28
Yield
3.33%
Payout ratio
31.27%
Frequency
Quarterly
Recent payments
  • 2026-09-15$0.32
Earnings (EPS)
DateEst.ActualSurprise2026-07-230.931.04+11.83%2026-04-230.921.04+13.04%2026-03-162.012.62+30.35%2026-01-290.950.96+1.05%2025-12-040.920.94+2.17%
About Financial Institutions, Inc.

Financial Institutions, Inc. is a financial holding company that provides banking, insurance, and wealth management services through its subsidiaries. The company’s core banking business offers retail and commercial deposit accounts, lending solutions, and treasury-related services for individuals, businesses, and municipalities. Its non-banking operations include a full-service insurance agency and an investment advisory and wealth management firm that provides customized investment management, consulting, and retirement plan services. Financial Institutions, Inc. serves a broad customer base across consumer, commercial, municipal, healthcare, and not-for-profit markets, with a focus on relationship-driven financial services. Headquartered in Warsaw, New York, the company operates as a regional financial services provider with a mix of traditional banking and fee-based advisory businesses.

Sector
Financial Services
Industry
Banks - Regional
CEO
Mr. Martin K. Birmingham
Employees
631
Headquarters
Warsaw, NY, United States

Frequently asked questions about Financial Institutions, Inc.