Finzati - Logo
FISI logo

Financial Institutions, Inc.

FISI • Banks - Regional
$41.70
— 0.00 (0.00%)
EarningsLatest report: Jun 30, 2026
FAVORABLE PROFILEAttractiveConfidence: 70%

Quantitative profile — not an investment recommendation.

Quantitative profile — not an investment recommendation.Methodology
Analysis thesis: Strong business quality with supportive growth and cash-flow evidence. Valuation still matters, but the historical ratio profile is favorable.
Market Cap
$830.75M
Growth
3.2%
Cash Flow
5/5
Trend
Stable
Evidence
Stable or improving margins · 19.8%Positive revenue growth · 8.9%Positive free cash flow · 0.66Consistent free cash flow · 5/5Reasonable earnings multiple · 8.37
Financial data as of: Jun 30, 2026, 12:00 AM UTCLast earnings update: Jun 30, 2026, 12:00 AM UTCLast profile update: Aug 5, 2026, 2:27 PM UTC

Company Snapshot

Key valuation, quality, financial strength, momentum and analyst data.

Price$41.70
Change0.00%
Shares Out19.92M
Market Cap$830.75M
Enterprise Value$24.87M
52W Range24.62 - 42.97
Beta0.64
P/E10.05
P/S2.63
P/B-19.16
P/FCF14.55
EV/Sales0.08

Investment DNA

How strong this company looks for long-term investors

71
out of 100
Business Quality
Margins, moat, returns
84/100
Financial Strength
Debt, cash, stability
36/100
Growth Potential
Revenue and expansion
55/100
Price Attractiveness
Cheap or expensive today
77/100
Why this score▼
Stable or improving margins · 19.8%Positive revenue growth · 8.9%Positive free cash flow · 0.66Consistent free cash flow · 5/5Reasonable earnings multiple · 8.37Manageable debt level · 0.53

Analyst view

Analyst sentiment and price target

FISI
Analyst sentiment
Based on 6 analyst votes · 2026-09-05
67/100
Neutral
Bullish
2
Hold
4
Bearish
0
Price Target
2026-08-05
Low
$45.00
Mean
$45.00
Median
$45.00
High
$45.00

Company Overview

IPO: 6/25/1999
Industry: Banks - Regional
P/B i: -19.16
Debt / Equity i: 0.53
Operating Margin: 24.17%
Net Margin: 19.81%
ROE i: -
ROIC: -

Financial Health

Score7 / 20
Debt / Equity: 0.53
Current Ratio: 0.03
Quick Ratio: 0.03
Status: Weak

Warnings

  • Weak Liquidity
  • Weak quick ratio

Insider Transactions

Recent executive and insider activity

Finch Steven C.
Transaction: 05/20/2026
OTHER
Change
0
Price
Not reported
Filing
05/21/2026
Type
OTHER
Bovenzi David
Transaction: 05/20/2026
OTHER
Change
0
Price
Not reported
Filing
05/21/2026
Type
OTHER
Schrader Robert L.
Transaction: 05/20/2026
BUY
Change
+1,282
Price
Not reported
Filing
05/21/2026
Type
BUY