Stocks · Financial Services · Banks - Regional
Financial Institutions, Inc. FISI
$39.98 +1.27% Close, Oct 2, 2026 · NASDAQ · Market cap $787.1M
Strong trend
Next earnings report: Oct 29, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Operating margin widened to 15.6% from -22.8% a year earlier.
- The shares trade at 9.9× trailing earnings, higher than 94% of the company's own readings over the past five years.
- Net debt is 4.5× EBITDA, a high level of leverage.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth63Neutral
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 20%
- FCF growth (TTM, YoY)Top 18%
- Revenue growth, 3-year CAGRTop 45%
- Revenue growth accelerationBottom 9%
Quality19Very weak
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 38%
- Gross marginBottom 34%
- Operating marginBottom 35%
- Cash conversion (OCF / net income)Bottom 29%
- Accruals (lower is better)Bottom 27%
- Net debt / EBITDA (lower is better)Bottom 28%
- Interest coverBottom 22%
Value46Neutral
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 15%
- Free-cash-flow yieldBottom 45%
- EBITDA / enterprise valueBottom 41%
- Sales / enterprise valueTop 50%
- P/E vs own 5-year history (lower is better)Bottom 10%
Momentum88Strong
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 7%
- 6-month returnTop 15%
- 1-year return vs S&P 500Top 8%
- Distance from 52-week highTop 36%
- Trend checklist (0–4)Top 48%
Revisions53Neutral
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 35%
- Consecutive EPS beatsTop 29%
- Share of analysts rating BuyBottom 30%
- Upside to consensus price targetBottom 40%
Stability32Weak
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 45%
- Maximum drawdown, 3 yearsBottom 49%
- Beta vs S&P 500 (lower is better)Bottom 24%
- Net debt / EBITDA (lower is better)Bottom 28%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 42.1% | 22.6% | ↓ |
| Gross margin | 38.8% | 57.9% | ↑ |
| Operating margin | -22.8% | 15.6% | ↑ |
| FCF margin | 10.9% | 17.8% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 22.6% | 42.1% | ↓ | Top 20% |
| Gross margin | 57.9% | 38.8% | ↑ | Bottom 34% |
| Operating margin | 15.6% | -22.8% | ↑ | Bottom 35% |
| Net margin | 26.2% | -13.6% | ↑ | — |
| Free-cash-flow margin | 17.8% | 10.9% | ↑ | — |
| Return on invested capital | 0.6% | — | Bottom 38% | |
| Revenue growth, 3-year CAGR | 16.2% | — | Top 45% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 0.74×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 0.3%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.2%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -20.5 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 4.49×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.4×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 3.18%
- Net buyback yield (TTM)
- 2.18%
- Shareholder yield
- 5.35%
- Share count change, 1 year
- -1.8%
- Share count change, 3-year CAGR
- +8.9%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 3, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 4
- Beats in the last 8 reports
- 6 of 8
- Average EPS surprise, last 4
- +7.8%
- Average 2-day reaction, last 8
- -0.4%
- Positive 20 days after report
- 7 of 8
Analysts
- Consensus price target
- $45.00
- Target vs current price
- +12.6%
- Analysts with a rating
- 6
- Share rating Buy or Strong Buy
- 33%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 23, 2026 | +11.8% | -0.4% | +6.1% | +5.2% | — |
| Apr 23, 2026 | +13.0% | -0.1% | -0.4% | +2.7% | +15.0% |
| Jan 29, 2026 | +1.1% | +3.0% | +8.8% | +2.9% | +5.4% |
| Oct 23, 2025 | +5.3% | -0.6% | +8.6% | +7.4% | +18.6% |
| Jul 24, 2025 | -3.4% | -3.2% | -6.0% | -4.5% | -4.9% |
| Apr 28, 2025 | +9.5% | +0.8% | +9.8% | +6.4% | +13.9% |
| Jan 30, 2025 | -27.0% | -0.1% | +2.5% | +2.0% | -12.2% |
| Oct 24, 2024 | +10.5% | -2.5% | -4.5% | +3.0% | +5.3% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 23, 2026 | $1.04 | $0.93 | +11.8% | $64.3M |
| Apr 23, 2026 | $1.04 | $0.92 | +13.0% | $62.7M |
| Jan 29, 2026 | $0.96 | $0.95 | +1.1% | $64.1M |
| Oct 23, 2025 | $0.99 | $0.94 | +5.3% | $63.6M |
| Jul 24, 2025 | $0.85 | $0.88 | -3.4% | $59.4M |
| Apr 28, 2025 | $0.81 | $0.74 | +9.5% | $56.6M |
| Jan 30, 2025 | $0.54 | $0.74 | -27.0% | -$13.8M |
| Oct 24, 2024 | $0.84 | $0.76 | +10.5% | $49.7M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 9.9× | 6.7× | 94th | Top 15% |
| P/E (forward) | 9.5× | — | — | — |
| EV / EBITDA | 19.7× | — | — | Bottom 41% |
| EV / Sales | 3.23× | — | — | Top 50% |
| Free-cash-flow yield | 7.15% | — | — | Bottom 45% |
| Earnings yield | 10.11% | — | — | Top 15% |
P/E over the past five years
Range 4.7× – 10.5× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 240
- 50-day average slope (20 days)
- +1.4%
- 200-day average slope (20 days)
- +2.8%
- Distance from 50-day average
- -2.4%
- Distance from 200-day average
- +11.2%
- RSI (14)
- 47.1
- Relative volume
- 0.84×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 19.7%
- Volatility vs own 5-year history
- 0th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.95
- Correlation with S&P 500
- 0.50
- Current drawdown from 1-year high
- -6.4%
- Maximum drawdown, 3 years
- -29.0%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jan 13, 2022 | May 4, 2023 | -55.1% | 327 days | 688 days (Feb 2, 2026) |
| May 4, 2021 | Jul 8, 2021 | -14.3% | 45 days | 24 days (Aug 11, 2021) |
| Feb 6, 2026 | Mar 13, 2026 | -13.9% | 24 days | 37 days (May 6, 2026) |
| Aug 11, 2021 | Sep 21, 2021 | -13.9% | 28 days | 33 days (Nov 5, 2021) |
| Mar 12, 2021 | Mar 23, 2021 | -11.4% | 7 days | 28 days (May 3, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $787.1M
- P/E (TTM)
- 9.9
- EPS, diluted (TTM)
- $4.04
- Revenue (TTM)
- $315.6M
- Dividend yield
- 3.18%
- 52-week range
- $25.61 – $42.97
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $212.0M | $241.1M | $332.6M | $264.2M | $377.9M |
| Gross profit | $207.9M | $198.3M | $197.3M | $88.0M | $233.3M |
| Operating income | $97.2M | $71.0M | $63.1M | -$68.1M | $91.4M |
| Net income | $77.7M | $56.6M | $50.3M | -$41.6M | $74.9M |
| EPS (diluted) | $4.78 | $3.56 | $3.15 | -$2.75 | $3.61 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $87.0M | -$13.8M | $91.0M | $93.2M | $96.3M | $96.6M | $92.2M | $30.6M |
| Net income | $13.5M | -$82.8M | $16.9M | $17.5M | $20.5M | $20.0M | $21.0M | $21.2M |
| EPS (diluted) | $0.84 | -$5.07 | $0.81 | $0.85 | $0.99 | $0.96 | $1.04 | $1.05 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $73.0M | $133.6M | $10.9M | $77.1M | $18.8M |
| Capital expenditure | -$9.4M | -$8.4M | -$3.0M | -$5.0M | -$5.5M |
| Free cash flow | $63.6M | $125.2M | $7.9M | $72.2M | $13.3M |
| Dividends paid | -$17.0M | -$17.6M | -$18.3M | -$18.5M | -$24.7M |
| Net share buybacks | -$9.3M | -$15.3M | -$571,000 | $108.1M | -$11.4M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $59.6M
- Total assets
- $6.34B
- Total liabilities
- $5.69B
- Total debt
- $291.0M
- Net debt
- $231.4M
- Shareholders’ equity
- $643.4M
As of Jun 30, 2026 (filed Aug 3, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 15, 2026 | $0.32 | Oct 2, 2026 |
| Jun 12, 2026 | $0.32 | Jul 2, 2026 |
| Mar 13, 2026 | $0.32 | Apr 2, 2026 |
| Dec 15, 2025 | $0.31 | Jan 2, 2026 |
| Sep 15, 2025 | $0.31 | Oct 2, 2025 |
| Jun 13, 2025 | $0.31 | Jul 2, 2025 |
| Mar 14, 2025 | $0.31 | Apr 2, 2025 |
| Dec 13, 2024 | $0.30 | Jan 2, 2025 |
Short interest
- Shares sold short
- 665,389
- Days to cover
- 6.10
- Change vs previous report
- +19.9%
FINRA short interest, settlement date Sep 15, 2026.