# Financial Institutions Inc. (FISI) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $41.70, market value $822 million.

## Valuation
- **P/E (trailing): 10.3×** (5-yr avg 6.4×, 3-yr avg 7.2×). Financial Institutions Inc. trades at 10.3× trailing earnings, well above its own five-year average of 6.4×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 9.7×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.04**. A PEG of 0.04 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / book: 1.3×**. The shares trade at 1.3× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 6.8%** (5-yr avg 15.7%). Free cash flow equals 6.8% of the market value, below its five-year average of 15.7%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 9.7%**. The inverse of the P/E: 9.7% of the price is earned each year.

## Profitability
- **Return on equity: 11.9%**. 11.9% on shareholders' equity is solid.

## Growth
- **EPS growth (1 yr): 231.3%** (3-yr 0.5%/yr, 5-yr 9.4%/yr). Earnings per share rose 231.3%.
- **Free-cash-flow growth (3 yr): -52.7%/yr**. Free cash flow has compounded at -52.7% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Piotroski F-score: 3/9**. 3 of 9 checks pass: weak or deteriorating financials.
- **Cash and short-term investments: $109 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 3.07%** ($1.26 per share, trailing). Financial Institutions Inc. yields 3.07%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 33%** (44% of free cash flow). 33% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 16**. 16 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 3.6%/yr** (1-yr 3.3%). The dividend has grown 3.6% a year over five years.

## Price and momentum
- **Total return (1 yr): 56.4%** (YTD 36.4%, 3-mo 13.3%). The shares are up 56.4% over twelve months including dividends.
- **From 52-week high: -3.0%** (62.8% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 58**. An RSI of 58 is neutral.
- **Beta (1 yr): 0.73** (volatility 26%). Beta of 0.73 against the S&P 500: the shares move roughly with the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=FISI · Page: https://foliofundamentals.com/stocks/fisi

Not investment advice.