Loading…
Financial Institutions Inc
Financial Institutions Inc (FISI) is listed on NASDAQ and classified in Banks - Regional, part of the Financial Services sector. It is headquartered in Warsaw, United States and has 631 employees. The company is worth $801.85M and trades at 9.9x its earnings of the last twelve months; the median for its sector is 13.2x. Revenue was $244.94M in fiscal 2025, up 109.5% from the year before. Net income was $74.87M. The share price is 5.3% below its 52-week high of $42.97. It pays a dividend yielding 3.15%. 5 of the 38 superinvestors we track held it at the end of Q2 2026. The largest position belongs to Two Sigma (Two Sigma Investments), at $17.81M. In that quarter, 3 of them opened or added to the position and 1 reduced it. No open-market insider trades in it were filed over the last 30 days.
Written from the data on this page: SEC filings (13F, Form 4, annual reports) and market prices.
Year by year, from the annual reports; dividends from the payments themselves.
Bars are year-end balances; lines are what happened during the year.
Major managers that reported this stock in their latest 13F.
▲ +27.6% over 5Y.
today you would have $1,572.53▲ +57.3%
Dividends reinvested, splits accounted for. Past prices say what happened, not what will.
The last 17 closed years, each at that year’s closing price and reported numbers.
| Indicator | Median | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Year-end price | $31.17 | $27.29 | $21.30 | $24.36 | $31.80 | $22.50 | $32.10 | $25.70 | $31.10 | $34.20 | $28.00 | $25.15 | $24.71 | $18.63 | $16.14 | $18.97 | $11.78 | |
| P/E |
Seven formulas applied to the reported numbers, each with its assumption next to the result. None of them predicts a price.
Square root of 22.5 × earnings × book value. Blind to intangibles, so it undervalues software and brands.
Earnings growing 9.4% a year plus a 3.1% dividend yield. Growth capped at 25%.
Median P/E of 13.2 among peers in the sector.
Median P/E of 11.2 across this company’s own years on record.
Cash flow growing 9.4% a year for 10 years, discounted at 10%, then 2.5% forever.
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
Dividend growing 4.4% a year against a 7.2% required return, from the stock’s beta.
Companies of similar size in Financial Services, for comparison. The columns are the same ones above, in the same order.
| Stock | Price | P/E | P/B | Dividend yield | ROE | Market cap |
|---|---|---|---|---|---|---|
| PGCPeapack Gladstone Financial Corp | $45.19 | 15.3x | 1.2x | 0.44% | 7.72% | $801.13M |
| HTBHomeTrust Bancshares, Inc. | $48.12 | 12.1x | 1.3x | 1.25% | 11.02% | $795.6M |
| VRTSVirtus Investment Partners Inc | $122.35 | 6.8x | 0.9x | 8.01% | 10.67% | $810.29M |
| WRLDWorld Acceptance Corp |
| 11.2x |
| 8.6x |
| — |
| 6.8x |
| 6.8x |
| 6.7x |
| 9.8x |
| 10.8x |
| 10.8x |
| 14.6x |
| 16.3x |
| 14.7x |
| 12.6x |
| 14.1x |
| 11.6x |
| 10.8x |
| 11.8x |
| 11.9x |
| P/S | 2.5x | 2.5x | 4.7x | 1.5x | 1.8x | 2.4x | 2.0x | 3.0x | 2.6x | 3.4x | 3.6x | 3.2x | 3.0x | 2.9x | 2.3x | 2.1x | 2.1x | 0.0x |
| P/B | 1.0x | 1.0x | 1.0x | 0.7x | 0.9x | 1.0x | 0.8x | 1.2x | 1.0x | 1.3x | 1.6x | 1.4x | 1.3x | 1.3x | 1.0x | 0.9x | 1.0x | 0.0x |
| EPS | $3.61 | -$2.75 | $3.15 | $3.56 | $4.78 | $2.30 | $2.96 | $2.39 | $2.13 | $2.10 | $1.90 | $2.00 | $1.75 | $1.60 | $1.49 | $1.61 | $0.99 |
| Dividend yield | 3.12% | 3.98% | 4.40% | 5.63% | 4.76% | 3.40% | 4.62% | 3.12% | 3.74% | 2.73% | 2.37% | 2.86% | 3.06% | 2.99% | 3.06% | 2.91% | 2.11% | 3.40% |
| Payout | 38.30% | 34.35% | — | 38.10% | 32.58% | 22.59% | 45.22% | 33.78% | 40.17% | 39.91% | 38.57% | 42.11% | 38.50% | 42.29% | 35.63% | 31.54% | 24.84% | 40.40% |
| Profit margin | 22.75% | 30.57% | -35.62% | 23.49% | 26.48% | 38.53% | 21.04% | 28.69% | 24.81% | 22.75% | 23.06% | 22.55% | 24.64% | 21.93% | 20.70% | 21.55% | 21.67% | 15.86% |
| ROE | 9.98% | 11.91% | -7.32% | 11.05% | 13.95% | 15.38% | 8.18% | 11.13% | 9.97% | 8.80% | 9.98% | 9.64% | 10.50% | 10.02% | 9.24% | 9.61% | 10.03% | 7.28% |
Median of the years shown; P/E years above 200x are left out.
The average of the method families that answered, not of the seven numbers: four of the seven start from the same earnings per share.
6 methods answered, across 3 families.
Room for errors in the reported numbers.
-15.1% from the average.
Models, not forecasts, and not investment advice. How each formula works →
| $169.66 |
| 21.0x |
| 2.1x |
| 0.00% |
| 9.90% |
| $790.66M |
| SMBCSouthern Missouri Bancorp Inc | $71.77 | 10.9x | 1.3x | 1.42% | 12.65% | $790.42M |
| SPFISouth Plains Financial Inc | $43.53 | 11.9x | 1.3x | 1.65% | 12.02% | $820.07M |