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Company Analysis

Financial Institutions, Inc. FISI

A comprehensive view of key metrics, scores, and financial health for Financial Institutions, Inc.

Overview of Financial Institutions, Inc.

FISI NMS
Financial Services Banks - Regional Small Cap
Financial Institutions, Inc. (FISI), is a Small Cap company, in the Banks - Regional industry, last closed at $30.25, about 1.7% undervalued vs fair value, +17.1% 1Y return, ranked 633/1004 in sector.
$30.25
-0.23%
As of March 13, 2026
Previous close • Vol 90d: 26.4%
52-Week Range
Market Cap
$608.95M
Enterprise Value
$802.85M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://financialinstitutionsi...
HQ Warsaw, NY
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$17
$31
$58
Current: $30.25 +2% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$313.2M
9.5%%
Interest Expense
$133.0M
Net Interest Income
$163.6M
-1.3%%
Total Revenue
$377.9M
230%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
-7.8%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Financial Institutions, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
40
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Weak
19
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing FISI's balance between Growth (69.5%), Profitability (27.9%), and Safety (2.7%). Growth 69% Safety 3% Profitability 28%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

67th percentile vs peers
68
Key Signals
Rev Growth YoY 2.30 97p Revenue CAGR 3Y 21.2% 60p Asset Growth YoY 2.6% 38p
Strengths
  • Rev Growth Yoy in top 20% of peers (2.30, 97th percentile)
  • Growth above peer median with strong metric coverage (72%)
Risks

No significant risks identified for this axis.

Profitability

27th percentile vs peers
27
Key Signals
Strengths
Risks
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Safety

2th percentile vs peers
3
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Financial Institutions, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$30.75
- - -
+1.7% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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