Financial Institutions Inc (FIISO) stock

FIISOOTCNational Commercial BanksFiscal year ends December 31Also trades as FIISP, FISI

Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 3, 2026Score 16/308% above fair value

$115.65+0.00 (0.00%)

Close on Oct 19, 2026Market cap $775.45MP/E 9.8Yield 3.15%

Financial Institutions statistics

90 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.

Important dates

Next earnings: Jan 28, 2027 (estimated, during market hours)
Last ex-dividend date: Sep 15, 2026
Fundamentals through: Jun 30, 2026
Share price as of: Nov 3, 2026

Valuation ratiosIndustry

Market Cap: $775.45M; $887.82M
Enterprise Value: $858.27M; $576.56M
PE Ratio: 9.76; 12.52
PS Ratio: 3.04; 3.76
PB Ratio: 1.21; 1.23
P/TBV Ratio: 1.33; 1.49
P/FCF Ratio: 13.79; 11.17
P/OCF Ratio: 12.74; 10.31

Enterprise valuationIndustry

EV / Sales: 3.37; 2.96
EV / FCF: 15.26; 8.55

Share statisticsIndustry

Shares Outstanding: 20M; 19M
Shares Change (YoY): 11.6%; 0.40%
Float: 17M; 17M
Shares Held by Insiders: 11.9%; 5.93%
Shares Held by Institutions: 79.8%; 61.3%

Short sellingIndustry

Short Interest: 742,878; –
Short Interest Change: -6.62%; -0.37%
Days to Cover: 7.24; 5.73

Stock price statisticsIndustry

52-Week High: $42.97; –
52-Week Low: $28.03; –
20-Day Moving Average: $39.67; –
50-Day Moving Average: $40.10; –
200-Day Moving Average: $36.81; –
Average True Range (14): $0.94; –
Price Change (1 Week): -3.55%; 0.32%
Price Change (1 Month): -0.71%; 3.05%
Price Change (3 Months): -7.32%; -2.96%
Price Change (6 Months): 13.0%; 9.09%
Price Change (YTD): 26.2%; 19.8%
Price Change (1 Year): 38.4%; 28.5%
Price Change (3 Years): 127.7%; 73.1%
Price Change (5 Years): 21.5%; 28.8%
Price Change (10 Years): 47.4%; 84.9%
Average Volume (10 Days): 126,475; –
Average Volume (20 Days): 110,027; –
Average Volume (90 Days): 140,409; –
Relative Volume: 1.19; 0.95
Relative Strength Index (14): 44.7; 55.2
Volatility (1 Year): 23.2%; 24.4%
Beta (5 Years): 0.75; 0.64

MarginsIndustry

Pretax Margin: 39.1%; 36.7%
Profit Margin: 32.4%; 29.1%
FCF Margin: 22.1%; 33.3%

Returns on capitalIndustry

Return on Equity (ROE): 13.3%; 10.6%
Return on Assets (ROA): 1.32%; 1.12%

Financial positionIndustry

Debt / Equity: 0.28; 0.20
Debt / FCF: 3.24; 1.86

GrowthIndustry

FCF Growth (YoY): 99.5%; 29.2%
Revenue Growth (3Y CAGR): 4.66%; 5.82%
Revenue Growth (5Y CAGR): 6.10%; 6.17%
EPS Growth (3Y CAGR): 0.47%; 1.31%
EPS Growth (5Y CAGR): 9.43%; 8.24%

EfficiencyIndustry

Asset Turnover: 0.04; 0.04
Revenue Per Employee: $404.04K; $356.57K
Profits Per Employee: $130.95K; $107.97K
Employee Count: 631; 492
WACC: 8.10%; 7.98%

Income statement (TTM)Industry

Revenue: $254.95M; $177.97M
Pretax Income: $99.67M; $70.72M
Net Income: $82.63M; $54.65M
EPS (Diluted): $4.03; $2.90

Balance sheetIndustry

Cash & Short-Term Investments: $99.17M; $211.65M
Total Debt: $182.00M; $178.57M
Net Cash (Debt): -$82.83M; $162.18M
Net Cash Per Share: -$4.20; $8.25
Equity (Book Value): $643.44M; $560.97M
Book Value Per Share: $32.65; $28.41
Tangible Book Value: $583.29M; $476.95M

Cash flow (TTM)Industry

Operating Cash Flow: $60.87M; $64.45M
Capital Expenditures: -$4.63M; -$4.13M
Free Cash Flow: $56.24M; $56.24M
FCF Per Share: $2.85; $3.24

Dividends and yieldsIndustry

Earnings Yield: 10.7%; 7.87%
FCF Yield: 7.25%; 8.77%
Dividend Yield: 3.15%; 2.46%
Buyback Yield: 2.21%; 1.55%
Shareholder Yield: 5.36%; 3.17%
Dividend Per Share: $1.24; $0.93
Dividend Growth (YoY): 3.33%; 4.26%
Years of Dividend Growth: 1; 2
Payout Ratio: 30.2%; 29.2%
FCF Payout Ratio: 44.4%; 25.8%

Taxes and interestIndustry

Income Tax: $17.04M; $15.23M
Effective Tax Rate: 17.1%; 21.1%

Scores and fair valueIndustry

Graham Number: $54.41; $45.26
Graham Upside: 38.3%; 17.4%
Altman Z-Score: 0.22; 0.22
Piotroski F-Score: 5; 6
Lynch Fair Value: $38.02; –
Lynch Upside: -3.37%; -1.99%

Total return vs. the S&P 500

Price change plus reinvested dividends, to the close on Oct 19, 2026. The S&P 500 is measured by the SPY fund.

Period	FIISO	S&P 500	Difference	FIISO per year	S&P 500 per year
1 month	0.0%	+0.6%	−0.6 pts
3 months	+1.9%	+3.4%	−1.5 pts
Year to date	+0.7%	+13.3%	−12.5 pts
1 year	-2.1%	+16.6%	−18.7 pts
3 years	+32.9%	+86.4%	−53.5 pts	+9.9%	+23.1%
5 years	+12.6%	+81.9%	−69.3 pts	+2.4%	+12.7%
10 years	+102.3%	+318.9%	−216.6 pts	+7.3%	+15.4%

Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.

Where these numbers come from

Parsed from the XBRL in Financial Institutions's annual and quarterly filings with the SEC
Fourth quarters derived from the annual report minus nine months
Every figure in the statements links to its source filing

Against peers

Trailing twelve months. Peers are matched on business description, industry and size. Ticks are peers, the dot is FIISO.

Compare: FIISO vs FULT · FIISO vs PFIS · FIISO vs CHCO · FIISO vs CARE · FIISO vs FCF

Net margin32.4% · median 40.9%

Company	Revenue	Growth
FCF	$546.90M	+11.5%
CHCO	$322.23M	+7.2%
FULT	$289.53M	+10.5%
FIISO	$254.95M	–
CARE	$254.51M	+77.9%
PFIS	$195.34M	+6.5%

Company

Next earnings (est.): Jan 28, 2027, during market hours
Exchange: OTC
Industry: National Commercial Banks
Fiscal year ends: December 31
Employees: 631
Auditor: RSM US LLP
SEC CIK: 862831

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