FISI
NASDAQ
US
Financial Institutions, Inc. - Common Stock
$32.22
▲ +$0.13
(+0.41%)
Vol 113K
7
Quality Score
fail
Rev ✗
NI ✗
>IPO ✗
Mkt Cap
$627.5M
ROE
-4.7%
Margin
24.7%
D/E
10.45
Beta
0.73
Div Yield
3.98%
52W
$21–$33
Wall Street Consensus
8 analysts · Apr 20262
Strong Buy
4
Buy
2
Hold
0
Sell
0
Strong Sell
75.0%
Buy Rating
Price Chart
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Earnings
Beat rate: 75.0%| Quarter | EPS Est | EPS Act | Surprise |
|---|---|---|---|
| Dec 2025 | $0.96 | $0.96 | $0.00 |
| Sep 2025 | $0.90 | $0.99 | +$0.09 |
| Jun 2025 | $0.84 | $0.85 | +$0.01 |
| Mar 2025 | $0.75 | $0.81 | +$0.06 |
Fundamentals Trend
| Metric | 2025-06-30 | 2025-09-02 | 2025-10-02 | 2025-11-03 | 2025-12-03 | 2026-01-02 |
|---|---|---|---|---|---|---|
| ROE (TTM) | -6.3% | -6.2% | -6.2% | -4.7% | -4.7% | -4.7% |
| P/E (TTM) | — | — | — | — | — | — |
| Net Margin | — | 24.7% | 24.7% | 24.7% | 24.7% | 24.7% |
| Gross Margin | — | — | — | — | — | — |
| D/E Ratio | 10.80 | 10.80 | 10.80 | 27.34 | 10.45 | 10.45 |
| Current Ratio | — | — | — | — | — | — |
Key Ratios
ROA (TTM)
-0.4%
P/S (TTM)
1.29
P/B
0.9
EPS (TTM)
$-2.48
CF/Share
$3.84
Rev Growth 3Y
+5.1%
52W High
$33.00
52W Low
$20.97
$20.97
52-Week Range
$33.00
How does FISI compare to Banking peers?
Peer group: Micro-cap Banking (All) · 289 companies
FISI valuation vs Banking peers
P/E ratio
—
▼
0%
below
peers
(12.6)
vs Peers
vs Industry
Overvalued
P/S ratio
1.3
▼
44%
below
peers
(2.3)
vs Peers
vs Industry
Undervalued
P/B ratio
0.9
▼
11%
below
peers
(1.1)
vs Peers
vs Industry
Fair value
Div yield
4.0%
▲
33%
above
peers
(3.0%)
vs Peers
vs Industry
Below avg
FISI profitability vs Banking peers
ROE
-4.7%
▼
152%
below
peers
(9.0%)
vs Peers
vs Industry
Weak
Net margin
24.7%
▼
14%
below
peers
(28.6%)
vs Peers
vs Industry
Weak
Gross margin
—
—
vs Peers
vs Industry
Weak
ROA
-0.5%
▼
147%
below
peers
(1.0%)
vs Peers
vs Industry
Weak
FISI financial health vs Banking peers
D/E ratio
10.5
▼
24%
below
peers
(13.8)
vs Peers
vs Industry
Above avg
Current ratio
—
▼
0%
below
peers
(0.1)
vs Peers
vs Industry
Low liquidity
Beta
0.7
▲
6%
above
peers
(0.7)
vs Peers
vs Industry
Less volatile
FISI fundamentals radar
FISI
Peer median
Industry
FISI profitability vs leverage
Bubble size = market cap · X = net margin · Y = D/E ratio
FISI vs peers: key metrics
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