Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
FISI
Strong BuyFull HouseAPPROVEFinancial Institutions, Inc. · Financial Services · United States · $807M · Avg Vol: $6M/d
Financial Institutions clears the calibrated bar. All three legs are above the floor (Q57 V56 M71) and an active buyback provides the required corroboration. Nothing adverse is on file: no negative earnings revision and no insider selling. Momentum at M71 is the strongest part of the case, and higher-for-longer rates support net interest margin for a community lender funded by local deposits.
COMPANY DESCRIPTION
Financial Institutions, Inc. is a bank holding company operating through its subsidiary, Five Star Bank, providing retail and commercial banking services to individuals and businesses in Western and Central New York. It functions as an established community bank with a strong local presence, fostering customer loyalty through personalized service and regional expertise. FISI operates as a traditional regional bank, generating revenue primarily from interest income on loans and investments, and offering a full suite of financial products tailored to its local market.
FINANCIAL SUMMARY (USD)
| Year | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | 212.3M | 212.2M | 114.5M | 243.5M | 4.7% | 243.5M | 259.4M | 271.4M | 5.6% |
| EPS | 4.81 | 3.58 | 3.17 | -1.66 | 3.65 | -6.7% | 4.03 | 4.23 | 4.34 | 9.1% |
| Shares | — | 15.3M | 15.4M | 20.1M | 19.8M | +29.1% | 19.7M | — | — | — |
| Debt | — | 312.5M | 343.3M | 256.6M | 334.2M | 2.3% | 320.0M | — | — | — |
| Equity | — | 405.6M | 454.8M | 569.0M | 628.9M | 15.7% | — | — | — | — |
| Op CF | — | 133.6M | 10.9M | 77.1M | 18.8M | -48.0% | 60.9M | — | — | — |
| Inv CF | — | -325.2M | -310.1M | -8.2M | -140.0M | — | — | — | — | — |
| Fin CF | — | 242.9M | 293.2M | -106.0M | 142.7M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of FISI are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| FISI | Financial Institutions, Inc.(you) | $807M | 82 | Strong Buy |
| FMNB | Farmers National Banc Corp. | $929M | 82 | Strong Buy |
| HAFC | Hanmi Financial Corporation | $923M | 82 | Strong Buy |
| THFF | First Financial Corporation | $942M | 82 | Strong Buy |
| WASH | Washington Trust Bancorp, Inc. | $753M | 78 | Buy |
| ORRF | Orrstown Financial Services, Inc. | $825M | 77 | Buy |
| TCBX | Third Coast Bancshares, Inc. | $752M | 77 | Buy |
| SHBI | Shore Bancshares, Inc. | $772M | 75 | Buy |
| PFIS | Peoples Financial Services Corp. | $697M | 77 | Buy |
| GCBC | Greene County Bancorp, Inc. | $594M | 83 | Strong Buy |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%