Financial Institutions Inc (FISI) stock
FISINasdaqNational Commercial BanksFiscal year ends December 31Also trades as FIISO, FIISP
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 9, 2026Score 16/3013% above fair value
$40.18+0.14 (+0.35%)
Close on Nov 13, 2026Market cap $791.80MP/E 10.0Yield 3.09%
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
- Sep 30, 2026
- Share price as of
- Nov 13, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 1.42
- 1.52
- P/OCF Ratio
- 7.81
- 9.82
Enterprise valuationIndustry
- EV / Sales
- 3.35
- 2.95
- EV / FCF
- 8.92
- 8.49
Share statisticsIndustry
- Shares Change (YoY)
- 4.18%
- 0.33%
- Float
- 17M
- 17M
- Shares Held by Insiders
- 11.9%
- 6.05%
- Shares Held by Institutions
- 79.8%
- 61.3%
Short sellingIndustry
- Short Interest
- 689,137
- –
- Short Interest Change
- -7.23%
- -4.13%
- Days to Cover
- 6.43
- 4.85
Stock price statisticsIndustry
- 52-Week High
- $42.97
- –
- 52-Week Low
- $28.21
- –
- 20-Day Moving Average
- $40.12
- –
- 50-Day Moving Average
- $39.98
- –
- 200-Day Moving Average
- $37.11
- –
- Average True Range (14)
- $0.93
- –
- Price Change (1 Week)
- 1.13%
- 0.69%
- Price Change (1 Month)
- 2.32%
- 3.79%
- Price Change (3 Months)
- -3.32%
- -2.72%
- Price Change (6 Months)
- 18.8%
- 12.2%
- Price Change (YTD)
- 28.9%
- 19.9%
- Price Change (1 Year)
- 35.7%
- 25.7%
- Price Change (3 Years)
- 125.6%
- 65.1%
- Price Change (5 Years)
- 21.1%
- 26.9%
- Price Change (10 Years)
- 29.6%
- 66.8%
- Average Volume (10 Days)
- 124,032
- –
- Average Volume (20 Days)
- 117,040
- –
- Average Volume (90 Days)
- 134,440
- –
- Relative Volume
- 0.80
- 0.68
- Relative Strength Index (14)
- 52.0
- 53.1
- Volatility (1 Year)
- 23.3%
- 24.4%
- Beta (5 Years)
- 0.74
- 0.63
MarginsIndustry
- Pretax Margin
- 38.5%
- 37.0%
- FCF Margin
- 37.5%
- 33.9%
Returns on capitalIndustry
- Return on Equity (ROE)
- 13.2%
- 10.7%
- Return on Assets (ROA)
- 1.28%
- 1.16%
Financial positionIndustry
- Debt / Equity
- 0.27
- 0.21
- Debt / FCF
- 1.74
- 1.48
GrowthIndustry
- FCF Growth (YoY)
- 366.1%
- 27.2%
- 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
- $405.47K
- $358.92K
- Profits Per Employee
- $130.17K
- $110.51K
- Employee Count
- 631
- 492
- WACC
- 8.29%
- 8.13%
Income statement (TTM)Industry
- Pretax Income
- $98.48M
- $74.07M
Balance sheetIndustry
- Net Cash (Debt)
- -$64.12M
- $165.09M
- Net Cash Per Share
- -$3.25
- $8.07
- Equity (Book Value)
- $619.00M
- $570.13M
- Book Value Per Share
- $31.41
- $28.12
- Tangible Book Value
- $558.94M
- $478.27M
Cash flow (TTM)Industry
- Capital Expenditures
- -$5.41M
- -$4.24M
- FCF Per Share
- $4.87
- $3.37
Dividends and yieldsIndustry
- Earnings Yield
- 10.4%
- 8.29%
- FCF Yield
- 12.1%
- 9.18%
- Dividend Yield
- 3.09%
- 2.44%
- Buyback Yield
- 3.13%
- 1.82%
- Shareholder Yield
- 6.22%
- 3.26%
- Dividend Per Share
- $1.24
- $0.92
- Dividend Growth (YoY)
- 3.33%
- 4.26%
- Years of Dividend Growth
- 1
- 2
- Payout Ratio
- 30.5%
- 28.5%
- FCF Payout Ratio
- 26.1%
- 24.8%
Taxes and interestIndustry
- Income Tax
- $16.34M
- $16.14M
- Effective Tax Rate
- 16.6%
- 21.1%
Scores and fair valueIndustry
- Graham Number
- $53.37
- $45.07
- Graham Upside
- 32.8%
- 18.8%
- Altman Z-Score
- 0.22
- 0.22
- Piotroski F-Score
- 5
- 6
- Lynch Fair Value
- $38.02
- –
- Lynch Upside
- -5.37%
- -0.43%
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 13, 2026. The S&P 500 is measured by the SPY fund.
| Period | FISI | S&P 500 | Difference | FISI per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +3.6% | -3.0% | +6.6 pts | ||
| 3 months | -3.3% | -2.8% | −0.5 pts | ||
| Year to date | +32.4% | +11.5% | +20.9 pts | ||
| 1 year | +41.4% | +13.5% | +27.9 pts | ||
| 3 years | +183.5% | +77.7% | +105.8 pts | +41.5% | +21.1% |
| 5 years | +54.7% | +72.6% | −17.9 pts | +9.1% | +11.5% |
| 10 years | +108.8% | +308.2% | −199.4 pts | +7.6% | +15.1% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
1M FISI shares were sold short on Oct 30, 2026, down 7.2% from the previous report. At recent volumes it would take 6.4 days to buy them back. Over the last 20 sessions, 60.5% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 689,137 | -7.2% | 107,172 | 6.4 |
| Oct 15, 2026 | 742,878 | -6.6% | 102,558 | 7.2 |
| Sep 30, 2026 | 795,503 | +19.6% | 161,149 | 4.9 |
| Sep 15, 2026 | 665,389 | +19.9% | 109,164 | 6.1 |
| Aug 31, 2026 | 554,919 | +9.2% | 163,759 | 3.4 |
| Aug 14, 2026 | 508,040 | +4.7% | 135,479 | 3.8 |
| Jul 31, 2026 | 485,305 | -10.5% | 161,465 | 3.0 |
| Jul 15, 2026 | 542,036 | +8.8% | 141,821 | 3.8 |
| Jun 30, 2026 | 498,351 | -10.1% | 301,036 | 1.7 |
| Jun 15, 2026 | 554,102 | -12.6% | 142,480 | 3.9 |
| May 29, 2026 | 633,719 | +10.9% | 92,202 | 6.9 |
| May 15, 2026 | 571,278 | +0.5% | 83,963 | 6.8 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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