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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 $35.00, about 12.1% overvalued vs fair value, +37.8% 1Y return, ranked 632/1037 in sector.
Metrics Rev Growth 230.0% ROE 12.5% Gross Margin 61.7%
$35.00
1.27%
As of April 28, 2026
Previous close • Vol 90d: 25.4%
52-Week Range
Market Cap
$687.20M
Enterprise Value
$881.10M
Overall Score
View breakdown
Overall
Growth
Good
Profitability
Good
Health
Weak
Efficiency
Weak
Valuation
Weak
Growth
Good
Profitability
Good
Health
Weak
Efficiency
Weak
Valuation
Weak
Completeness: 82%
Confidence: 50%
Updated: Mar 8
Top Beats

Quick Facts

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

Next Events

Dividend Apr 2
Earnings Apr 27 Estimated

Fair Value Snapshot

Bear Base Bull
$17
$31
$58
Current: $35.00 -12% 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
51
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
42
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Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing FISI's balance between Growth (32.3%), Profitability (24.0%), and Safety (43.6%). Growth 32% Safety 44% Profitability 24%

Click axes to expand details. Marker shows current allocation.

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Growth

41th percentile vs peers
41
Key Signals
Equity Growth YoY 26.1% 91p Asset Growth YoY 2.6% 38p NII Growth YoY -1.3% 35p EPS Growth YoY -1.87 5p
Strengths
  • Equity Growth YoY in top 20% of peers (26.1%, 91th percentile)
Risks
  • EPS Growth YoY in bottom 20% of peers (-1.87)

Profitability

30th percentile vs peers
31
Key Signals
Strengths
Risks
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Safety

55th percentile vs peers
56
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:

  • Recently listed companies (IPOs, SPACs)
  • 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
- - -
-12.1% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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