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Earnings transcript
Read the complete earnings call transcript.
FISI
Financial Institutions, Inc.
$40.79
-0.01
(-0.02%)
| Exchange: | NASDAQ |
| Market Cap: | 803.007M |
| Shares Outstanding: | 9.918M |
Delayed data
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | Martin K. Birmingham | |||||
| Full Time Employees: | 631 | |||||
| Address: |
| |||||
| Website: | https://www.five-starbank.com |
Financial Institutions, Inc., through its subsidiaries, provides banking and financial services to consumer, commercial, and municipal customers in New York. The company provides checking and savings account programs, including money market accounts, certificates of deposit, sweep investments, and individual retirement and other qualified plan accounts, as well as NOW accounts. It also offers commercial loan products including term loans and lines of credit; short and medium-term commercial loans for working capital, business expansion, and purchase of equipment; commercial business loans; commercial mortgage loans; one-to-four family residential mortgage loans; home improvement loans, closed-end home equity loans, and home equity lines of credit; and consumer loans, such as automobile, secured installment, and other secured and unsecured personal loans, as well as recreational vehicle, boat, personal loans, and deposit account collateralized loans. In addition, it offers investment advisory, wealth management, investment consulting, and retirement plan services, as well as operates a real estate investment trust that holds residential mortgages and commercial real estate loans. Financial Institutions, Inc. was founded in 1817 and is headquartered in Warsaw, New York.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 332,594 | 264,168 | 377,943.999 |
| Gross Profit | 197,294 | 88,035 | 233,315 |
| EBITDA | 71,144 | -60,473 | 99,236 |
| Operating Income | 63,053 | -68,148 | 91,354 |
| Net Income | 50,264 | -41,646 | 74,867 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 6,160,881 | 6,117,085 | 5,676,563 |
| Total Liabilities | 5,706,085 | 5,548,101 | 4,501,468 |
| Total Stockholders Equity | 454,796 | 17,285 | 628,854 |
| Total Debt | 343,320 | 99,000 | 193,653 |
| Cash and Cash Equivalents | 124,442 | 54,958 | 108,751 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 10,894 | 77,127 | 0 |
| Capital Expenditure | -2,992 | -4,974 | 0 |
| Free Cash Flow | 7,902 | 72,153 | 0 |
| Net Income | 50,264 | -41,646 | 74,867 |
| Net Change in Cash | -6,024 | -37,121 | -87,321 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2027 | Research Access | Research Access | Research Access | Research Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 271,830.768 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (High) | 274,094.231 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (Avg) | 272,962.500 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Low) | 58,284.440 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (High) | 58,769.759 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Avg) | 58,527.100 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Low) | 86,896.433 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (High) | 87,838.375 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Avg) | 87,367.404 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Low) | 75,615.456 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (High) | 76,245.086 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Avg) | 75,930.271 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Avg) | 4.300 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (High) | 4.320 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Low) | 4.280 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated Revenue) | 1 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated EPS) | 1 | Research Access | Research Access | Research Access | Research Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Solid Financial Performance: FISI reported strong results in the Q3 2025 earnings call, with key financial metrics such as revenue and net income showing positive trends. The company highlighted consistent profitability, supported by robust operating cash flow and free cash flow figures from recent cash flow statements, indicating operational efficiency.
- Attractive Valuation Metrics: The forward P/E ratio, based on analyst estimates, suggests that FISI is reasonably valued compared to industry averages (as per industry_avg_priceToEarningsRatioTTM). This positions the stock as potentially undervalued, offering a compelling entry point for investors.
- Stable Dividend Yield: The dividendYieldTTM reflects a consistent return to shareholders, as evidenced by lastDiv and netDividendsPaid in financial statements. This reliability can attract income-focused investors within the target demographic.
- Strong Balance Sheet: Data from the balance sheet shows a healthy currentRatioTTM and quickRatioTTM, indicating good liquidity to cover short-term obligations. Additionally, totalStockholdersEquity reflects a stable capital base to support future growth.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates FISI intrinsic value between $64.08 – $67.70 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
[intrinsic_calculator]
Common questions about FISI valuation
Is Financial Institutions, Inc. (FISI) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Financial Institutions, Inc. (FISI) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is FISI a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether FISI trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is FISI’s P/E ratio?
You can see FISI’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for FISI?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is FISI a good long-term investment?
Whether FISI fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
FISI
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Daily snapshot
-0.02
Trading Metrics:
| Open: | 40.73 | Previous Close: | 40.8 | |
| Day Low: | 39.91 | Day High: | 41.07 | |
| Year Low: | 25.61 | Year High: | 42.97 | |
| Price Avg 50: | 40.04 | Price Avg 200: | 34.63 | |
| Volume: | 66700 | Average Volume: | 148305 |
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Login — it's freeFISI full analysis
Welcome to MARKETSNAP’s SWOT analysis for Financial Institutions, Inc., also known by its ticker FISI. If you’re a long-term investor looking to build wealth through smart stock picks, you’re in the right place. Today, we’re diving deep into this regional financial player to uncover what makes it tick, where it shines, and where it might stumble. Let’s break it down with a comprehensive look at the company, some recent developments, and a full SWOT analysis to help you decide if…
