Price Alert

Financial Institutions In... (FISI)

NASDAQ: FISI · Real-Time Price · USD

25.77

-0.62 (-2.35%)

At close: Aug 15, 2025, 3:59 PM

26.23

1.79%

After-hours: Aug 15, 2025, 04:55 PM EDT

Financial Institutions Statistics

Share Statistics

Financial Institutions has 20.13M shares outstanding. The number of shares has increased by 29.97% in one year.

Shares Outstanding	20.13M
Shares Change (YoY)	29.97%
Shares Change (QoQ)	0.16%
Owned by Institutions (%)	81.6%
Shares Floating	19.48M
Failed to Deliver (FTD) Shares	1,194
FTD / Avg. Volume	0.89%

Short Selling Information

The latest short interest is 491.79K, so 2.45% of the outstanding shares have been sold short.

Short Interest	491.79K
Short % of Shares Out	2.45%
Short % of Float	2.51%
Short Ratio (days to cover)	3.66

Valuation Ratios

The PE ratio is -10.28 and the forward PE ratio is 6.41. Financial Institutions's PEG ratio is 0.07.

PE Ratio	-10.28
Forward PE	6.41
PS Ratio	1.62
Forward PS	2
PB Ratio	0.75
P/FCF Ratio	5.93
PEG Ratio	0.07

Financial Ratio History

Enterprise Valuation

Currently the Enterprise Value (EV) is not available for Financial Institutions.

EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

The company has a current ratio of 0.02, with a Debt / Equity ratio of 0.45.

Current Ratio	0.02
Quick Ratio	0.02
Debt / Equity	0.45
Debt / EBITDA	-4.24
Debt / FCF	3.56
Interest Coverage	-0.46

Financial Efficiency

Return on Equity is n/a and Return on Invested Capital is n/a.

Return on Equity	n/a
Return on Assets	n/a
Return on Invested Capital	n/a
Revenue Per Employee	$441.75K
Profits Per Employee	$-69.64K
Employee Count	598
Asset Turnover	0.04
Inventory Turnover	n/a

Taxes

Income Tax	-26.5M
Effective Tax Rate	38.89%

Stock Price Statistics

The stock price has increased by 8.27% in the last 52 weeks. The beta is 0.81, so Financial Institutions's price volatility has been higher than the market average.

Beta	0.81
52-Week Price Change	8.27%
50-Day Moving Average	26.01
200-Day Moving Average	26.19
Relative Strength Index (RSI)	36.65
Average Volume (20 Days)	134,072

Income Statement

In the last 12 months, Financial Institutions had revenue of 264.17M and earned -41.65M in profits. Earnings per share was -1.66.

Revenue	264.17M
Gross Profit	88.03M
Operating Income	-68.15M
Net Income	-41.65M
EBITDA	-60.47M
EBIT	-68.15M
Earnings Per Share (EPS)	-1.66

Full Income Statement

Balance Sheet

The company has 87.32M in cash and 256.61M in debt, giving a net cash position of -169.28M.

Cash & Cash Equivalents	87.32M
Total Debt	256.61M
Net Cash	-169.28M
Retained Earnings	388.67M
Total Assets	5.65B
Working Capital	987.96M

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 77.13M and capital expenditures -4.97M, giving a free cash flow of 72.15M.

Operating Cash Flow	77.13M
Capital Expenditures	-4.97M
Free Cash Flow	72.15M
FCF Per Share	4.6

Full Cash Flow Statement

Margins

Gross margin is 33.33%, with operating and profit margins of -25.8% and -15.76%.

Gross Margin	33.33%
Operating Margin	-25.8%
Pretax Margin	-25.8%
Profit Margin	-15.76%
EBITDA Margin	-22.89%
EBIT Margin	-25.8%
FCF Margin	27.31%

Dividends & Yields

FISI pays an annual dividend of $1.52, which amounts to a dividend yield of 4.89%.

Dividend Per Share	$1.52
Dividend Yield	4.89%
Dividend Growth (YoY)	3.33%
Payout Ratio	-53.9%
Earnings Yield	n/a
FCF Yield	n/a

Dividend Details

Analyst Forecast

The average price target for FISI is $33, which is 32.6% higher than the current price. The consensus rating is "Hold".

Price Target	$33
Price Target Difference	32.6%
Analyst Consensus	Hold
Analyst Count	3

Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value	n/a
Lynch Upside	n/a
Graham Number	n/a
Graham Upside	n/a

Scores

Altman Z-Score	0.28
Piotroski F-Score	5