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FISI FINANCIAL INSTITUTIONS INC

Trailing twelve months to 2026-06-30 · as filed 2026-08-03, not restated
Financials

Scale

Market cap
$804m
Revenue TTM
$255m
Net income TTM
$83m
Free cash flow
$56m
Composite score
78.6
Sector rank
#2155

Valuation

P / E
9.7
EV / EBITDA
EV / sales
3.8
FCF yield
6.99%
Earnings yield vs 10-yr
5.54pp

Earnings yield vs 10-yr compares what the business earns per pound invested against the 4.73% a 10-year US Treasury note pays for no equity risk. Negative means you are paying up front for growth not yet delivered.

Quality and growth

Net margin
32.4%
EBITDA margin
ROE
12.8%
ROIC
Revenue growth
116.6%

Insider activity, last 90 days

Net open-market
$0.00m
Buyers
0
Sellers
0

Open-market purchases and sales only. Grants, option exercises, gifts and shares withheld for tax are excluded: they are how people are paid, not what they think.

What management said

Business volumes and pricing drive revenue potential, and tend to be influenced by overall economic factors, including market interest rates, business spending, consumer confidence, economic growth, and competitive conditions within the marketplace. We believe this experience positions us to successfully acquire and integrate additional financial services and banking businesses. MANAGEMENT'S DISCUSSION AND ANALYSIS EXECUTIVE OVERVIEW Summary of 2026 Second Quarter Results Net income increased $3.7 million to $21.2 million for the second quarter of 2026 compared to $17.5 million for the second quarter of 2025. …FINANCIAL INSTITUTIONS INC, 10-Q, period ended 2026-06-30, filed 2026-08-03

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