FISINasdaqNational Commercial BanksFiscal year ends December 31Also trades as FIISO, FIISP
FINANCIAL INSTITUTIONS INC
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 3, 2026
$39.19−0.12 (-0.31%)
Close on Oct 19, 2026
- Market cap
- $781.49M
- P/E (TTM)
- 9.7
- Dividend yield
- 3.16%
Financial Institutions statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of National Commercial Banks companies for comparison
Valuation
| Measure | Financial Institutions | Industry median |
|---|---|---|
| Market Cap | $772.29M | $679.86M |
| Enterprise Value | $855.12M | $408.94M |
| PE Ratio | 9.72 | 12.00 |
| PS Ratio | 3.03 | 3.61 |
| PB Ratio | 1.20 | 1.18 |
| P/TBV Ratio | 1.32 | 1.41 |
| P/FCF Ratio | 13.73 | 10.93 |
| P/OCF Ratio | 12.69 | 10.04 |
Enterprise value
| Measure | Financial Institutions | Industry median |
|---|---|---|
| EV / Sales | 3.35 | 2.78 |
| EV / FCF | 15.21 | 8.25 |
Income (trailing twelve months)
| Measure | Financial Institutions | Industry median |
|---|---|---|
| Revenue | $254.95M | $170.85M |
| Pretax Income | $99.67M | $70.12M |
| Net Income | $82.63M | $54.33M |
| EPS (Diluted) | $4.03 | $2.90 |
Margins
| Measure | Financial Institutions | Industry median |
|---|---|---|
| Pretax Margin | 39.1% | 36.4% |
| Profit Margin | 32.4% | 29.1% |
| FCF Margin | 22.1% | 33.0% |
Returns
| Measure | Financial Institutions | Industry median |
|---|---|---|
| Return on Equity (ROE) | 13.3% | 10.5% |
| Return on Assets (ROA) | 1.32% | 1.12% |
Growth
| Measure | Financial Institutions | Industry median |
|---|---|---|
| FCF Growth (YoY) | 99.5% | 27.1% |
| Revenue Growth (3Y CAGR) | 4.66% | 5.82% |
| Revenue Growth (5Y CAGR) | 6.10% | 6.17% |
| EPS Growth (3Y CAGR) | 0.47% | 1.26% |
| EPS Growth (5Y CAGR) | 9.43% | 8.24% |
Balance sheet
| Measure | Financial Institutions | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $99.17M | $205.54M |
| Total Debt | $182.00M | $177.19M |
| Net Cash (Debt) | -$82.83M | $164.40M |
| Net Cash Per Share | -$4.20 | $8.13 |
| Equity (Book Value) | $643.44M | $560.44M |
| Book Value Per Share | $32.65 | $28.47 |
| Tangible Book Value | $583.29M | $472.29M |
Financial position
| Measure | Financial Institutions | Industry median |
|---|---|---|
| Debt / Equity | 0.28 | 0.20 |
| Debt / FCF | 3.24 | 1.81 |
Cash flow (trailing twelve months)
| Measure | Financial Institutions | Industry median |
|---|---|---|
| Operating Cash Flow | $60.87M | $61.20M |
| Capital Expenditures | -$4.63M | -$4.02M |
| Free Cash Flow | $56.24M | $52.43M |
| FCF Per Share | $2.85 | $3.07 |
Efficiency
| Measure | Financial Institutions | Industry median |
|---|---|---|
| Asset Turnover | 0.04 | 0.04 |
| Revenue Per Employee | $404.04K | $353.78K |
| Profits Per Employee | $130.95K | $107.28K |
| Employee Count | 631 | 489 |
Dividends and yields
| Measure | Financial Institutions | Industry median |
|---|---|---|
| Earnings Yield | 10.7% | 8.07% |
| FCF Yield | 7.28% | 8.89% |
| Dividend Yield | 3.16% | 2.48% |
| Buyback Yield | 2.22% | 1.55% |
| Shareholder Yield | 5.38% | 3.13% |
| Dividend Per Share | $1.24 | $0.93 |
| Dividend Growth (YoY) | 3.33% | 4.26% |
| Years of Dividend Growth | 1 | 2 |
| Payout Ratio | 30.2% | 29.4% |
| FCF Payout Ratio | 44.4% | 26.0% |
Shares
| Measure | Financial Institutions | Industry median |
|---|---|---|
| Shares Outstanding | 19,706,400 | 18,839,100 |
| Shares Change (YoY) | 11.6% | 0.39% |
| Float | 17,363,200 | 17,061,900 |
| Shares Held by Insiders | 11.9% | 5.89% |
| Shares Held by Institutions | 79.8% | 61.9% |
Taxes
| Measure | Financial Institutions | Industry median |
|---|---|---|
| Income Tax | $17.04M | $14.50M |
| Effective Tax Rate | 17.1% | 21.1% |
Scores
| Measure | Financial Institutions | Industry median |
|---|---|---|
| Graham Number | $54.41 | $45.31 |
| Graham Upside | 38.8% | 21.6% |
| Altman Z-Score | 0.22 | 0.21 |
| Piotroski F-Score | 5 | 6 |
Calculated by StockData from Financial Institutions's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.