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FINANCIAL INSTITUTIONS INC (FISI) Stock Fundamental Analysis

NASDAQ:FISI - Nasdaq - US3175854047 - Common Stock - Currency: USD

25.72  +0.33 (+1.3%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to FISI. FISI was compared to 398 industry peers in the Banks industry. Both the profitability and financial health of FISI have multiple concerns. FISI has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year FISI was profitable.
FISI had a positive operating cash flow in the past year.
Of the past 5 years FISI 4 years were profitable.
In the past 5 years FISI always reported a positive cash flow from operatings.
FISI Yearly Net Income VS EBIT VS OCF VS FCFFISI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M 100M

1.2 Ratios

With a Return On Assets value of -0.70%, FISI is not doing good in the industry: 96.23% of the companies in the same industry are doing better.
FISI has a worse Return On Equity (-7.58%) than 96.48% of its industry peers.
Industry RankSector Rank
ROA -0.7%
ROE -7.58%
ROIC N/A
ROA(3y)0.35%
ROA(5y)0.63%
ROE(3y)5.58%
ROE(5y)7.94%
ROIC(3y)N/A
ROIC(5y)N/A
FISI Yearly ROA, ROE, ROICFISI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10 15

1.3 Margins

The Profit Margin and Operating Margin and Gross Margin are not available for FISI so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
FISI Yearly Profit, Operating, Gross MarginsFISI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20

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3

2. Health

2.1 Basic Checks

FISI does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for FISI has been increased compared to 1 year ago.
FISI has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, FISI has an improved debt to assets ratio.
FISI Yearly Shares OutstandingFISI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M
FISI Yearly Total Debt VS Total AssetsFISI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

2.2 Solvency

The Debt to FCF ratio of FISI is 1.04, which is an excellent value as it means it would take FISI, only 1.04 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of FISI (1.04) is better than 71.36% of its industry peers.
A Debt/Equity ratio of 0.13 indicates that FISI is not too dependend on debt financing.
The Debt to Equity ratio of FISI (0.13) is better than 63.57% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF 1.04
Altman-Z N/A
ROIC/WACCN/A
WACC21.88%
FISI Yearly LT Debt VS Equity VS FCFFISI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FISI Yearly Current Assets VS Current LiabilitesFISI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

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4

3. Growth

3.1 Past

FISI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 94.89%, which is quite impressive.
Measured over the past years, FISI shows a quite strong growth in Earnings Per Share. The EPS has been growing by 9.41% on average per year.
Looking at the last year, FISI shows a very negative growth in Revenue. The Revenue has decreased by -45.36% in the last year.
Measured over the past years, FISI shows a decrease in Revenue. The Revenue has been decreasing by -7.25% on average per year.
EPS 1Y (TTM)94.89%
EPS 3Y-0.99%
EPS 5Y9.41%
EPS Q2Q%636.36%
Revenue 1Y (TTM)-45.36%
Revenue growth 3Y-16.61%
Revenue growth 5Y-7.25%
Sales Q2Q%42.81%

3.2 Future

The Earnings Per Share is expected to decrease by -9.37% on average over the next years.
FISI is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 14.08% yearly.
EPS Next Y-27.82%
EPS Next 2Y-9.37%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year21.93%
Revenue Next 2Y14.08%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
FISI Yearly Revenue VS EstimatesFISI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M 150M 200M
FISI Yearly EPS VS EstimatesFISI Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4

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6

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 4.82, the valuation of FISI can be described as very cheap.
FISI's Price/Earnings ratio is rather cheap when compared to the industry. FISI is cheaper than 95.98% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 28.88. FISI is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 6.75 indicates a rather cheap valuation of FISI.
90.45% of the companies in the same industry are more expensive than FISI, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 21.20. FISI is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 4.82
Fwd PE 6.75
FISI Price Earnings VS Forward Price EarningsFISI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, FISI is valued cheaper than 83.17% of the companies in the same industry.
Industry RankSector Rank
P/FCF 7.17
EV/EBITDA N/A
FISI Per share dataFISI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

FISI's earnings are expected to decrease with -9.37% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.51
EPS Next 2Y-9.37%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

FISI has a Yearly Dividend Yield of 4.87%, which is a nice return.
FISI's Dividend Yield is rather good when compared to the industry average which is at 3.52. FISI pays more dividend than 84.17% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.45, FISI pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.87%

5.2 History

The dividend of FISI has a limited annual growth rate of 0.75%.
FISI has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)0.75%
Div Incr Years0
Div Non Decr Years0
FISI Yearly Dividends per shareFISI Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1

5.3 Sustainability

FISI has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-46.34%
EPS Next 2Y-9.37%
EPS Next 3YN/A
FISI Yearly Income VS Free CF VS DividendFISI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M 100M

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FINANCIAL INSTITUTIONS INC

NASDAQ:FISI (5/1/2025, 1:14:58 PM)

25.72

+0.33 (+1.3%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-28 2025-04-28/amc
Earnings (Next)07-23 2025-07-23/amc
Inst Owners81.08%
Inst Owner Change-0.06%
Ins Owners2.38%
Ins Owner Change3.4%
Market Cap517.23M
Analysts80
Price Target32.64 (26.91%)
Short Float %1.66%
Short Ratio1.59
Dividend
Industry RankSector Rank
Dividend Yield 4.87%
Yearly Dividend1.13
Dividend Growth(5Y)0.75%
DP-46.34%
Div Incr Years0
Div Non Decr Years0
Ex-Date03-14 2025-03-14 (0.31)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)93.92%
Min EPS beat(2)8.36%
Max EPS beat(2)179.48%
EPS beat(4)2
Avg EPS beat(4)21.3%
Min EPS beat(4)-81.64%
Max EPS beat(4)179.48%
EPS beat(8)5
Avg EPS beat(8)14.42%
EPS beat(12)7
Avg EPS beat(12)9.59%
EPS beat(16)11
Avg EPS beat(16)15.93%
Revenue beat(2)0
Avg Revenue beat(2)-4.53%
Min Revenue beat(2)-5.42%
Max Revenue beat(2)-3.63%
Revenue beat(4)0
Avg Revenue beat(4)-5.01%
Min Revenue beat(4)-10.42%
Max Revenue beat(4)-0.56%
Revenue beat(8)0
Avg Revenue beat(8)-3.93%
Revenue beat(12)4
Avg Revenue beat(12)6.75%
Revenue beat(16)8
Avg Revenue beat(16)12.95%
PT rev (1m)-3.03%
PT rev (3m)3.23%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.85%
EPS NY rev (1m)-0.81%
EPS NY rev (3m)-3.29%
Revenue NQ rev (1m)-0.01%
Revenue NQ rev (3m)15.33%
Revenue NY rev (1m)-0.35%
Revenue NY rev (3m)3.08%
Valuation
Industry RankSector Rank
PE 4.82
Fwd PE 6.75
P/S 4.42
P/FCF 7.17
P/OCF 6.71
P/B 0.91
P/tB 1.02
EV/EBITDA N/A
EPS(TTM)5.34
EY20.76%
EPS(NY)3.81
Fwd EY14.82%
FCF(TTM)3.59
FCFY13.95%
OCF(TTM)3.84
OCFY14.91%
SpS5.81
BVpS28.29
TBVpS25.27
PEG (NY)N/A
PEG (5Y)0.51
Profitability
Industry RankSector Rank
ROA -0.7%
ROE -7.58%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 61.72%
ROA(3y)0.35%
ROA(5y)0.63%
ROE(3y)5.58%
ROE(5y)7.94%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF 1.04
Debt/EBITDA N/A
Cap/Depr 64.81%
Cap/Sales 4.25%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score3
WACC21.88%
ROIC/WACCN/A
Cap/Depr(3y)68.5%
Cap/Depr(5y)75.48%
Cap/Sales(3y)3.19%
Cap/Sales(5y)3.32%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)94.89%
EPS 3Y-0.99%
EPS 5Y9.41%
EPS Q2Q%636.36%
EPS Next Y-27.82%
EPS Next 2Y-9.37%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-45.36%
Revenue growth 3Y-16.61%
Revenue growth 5Y-7.25%
Sales Q2Q%42.81%
Revenue Next Year21.93%
Revenue Next 2Y14.08%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y813.1%
FCF growth 3Y4.3%
FCF growth 5Y5.93%
OCF growth 1Y607.98%
OCF growth 3Y1.85%
OCF growth 5Y5.98%