Financial Institutions Inc
Research Financial Institutions Inc (FISI) on Bullrun: valuation model: 13.0% undervalued, market cap USD 764.81M, P/E 9.6, dividend yield 3.3%. Explore financials, valuation history, model signals, and stock context.
Key Metrics
- TickerFISI
- ExchangeNASDAQ
- CountryUnited States
- SectorFinancial Services
- IndustryBanks-Regional
- CurrencyUSD
- Valuation signal13.0% undervalued
- Market capUSD 764.81M
- P/E9.6
- Dividend yield3.3%
- Financial periodQ2 2026
- RevenueUSD 64.46M
- Net incomeUSD 21.18M
- Free cash flowUSD 21.81M
Valuation Snapshot
Bullrun's latest valuation model marks Financial Institutions Inc as 13.0% undervalued; latest market cap is USD 764.81M; P/E is 9.6; dividend yield is 3.3%.
Peer valuation comparison
Latest P/E is 9.63x versus a Financial Services sector median of 13.41x (28.2% below).
Latest dividend yield is 3.27% versus a Financial Services sector median of 3.66% (10.5% below).
Five-year financial history
| Year | Revenue | Net income | Free cash flow | Gross margin | Diluted EPS | Cash | Total debt | Equity |
|---|---|---|---|---|---|---|---|---|
| FY2025 | USD 243.54M | USD 74.87M | USD 13.25M | n/a | 3.61 | USD 108.75M | USD 302.65M | USD 628.85M |
| FY2024 | USD 114.53M | -USD 41.65M | USD 72.15M | n/a | -2.75 | USD 87.32M | USD 223.84M | USD 568.98M |
| FY2023 | USD 212.18M | USD 50.26M | USD 7.90M | n/a | 3.15 | USD 124.44M | USD 309.53M | USD 454.80M |
| FY2022 | USD 212.35M | USD 56.57M | USD 125.20M | n/a | 3.56 | USD 130.47M | USD 279.22M | USD 405.61M |
Valuation history
| Year | Snapshot date | Market cap | P/E | Dividend yield | Annual dividend/share |
|---|---|---|---|---|---|
| 2026 | 2026-10-12 | USD 764.81M | 9.6 | 3.3% | 1.27 |
| 2025 | 2025-12-31 | USD 617.08M | 8.6 | 4.0% | 1.24 |
| 2024 | 2024-12-31 | USD 547.89M | n/a | 4.4% | 1.2 |
| 2023 | 2023-12-29 | USD 328.08M | 6.4 | 5.6% | 1.2 |
| 2022 | 2022-12-30 | USD 373.56M | 6.1 | 4.8% | 1.16 |
| 2021 | 2021-12-31 | USD 500.71M | 6.7 | 3.4% | 1.08 |
Dividend history
Latest trailing dividend snapshot: annual dividend/share 1.27 USD, yield 3.3%.
| Year | Dividends/share |
|---|---|
| FY2025 | 1.24 USD |
| FY2024 | 1.2 USD |
| FY2023 | 1.2 USD |
| FY2022 | 1.16 USD |
About Financial Institutions Inc
Financial Institutions, Inc., through its subsidiaries, provides banking and financial services to consumer, commercial, and municipal customers in New York. The company provides checking and savings account programs, including money market accounts, certificates of deposit, sweep investments, and individual retirement and other qualified plan accounts, as well as NOW accounts. It also offers commercial loan products including term loans and lines of credit;
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Frequently asked questions
Is Financial Institutions Inc overvalued or undervalued?
Bullrun's valuation model currently marks Financial Institutions Inc as 13.0% undervalued.
What is Financial Institutions Inc's market cap?
Financial Institutions Inc's market capitalization is USD 764.81M.
What is Financial Institutions Inc's P/E ratio?
Financial Institutions Inc's price-to-earnings (P/E) ratio is 9.6.
Does Financial Institutions Inc pay a dividend?
Financial Institutions Inc has a dividend yield of 3.3%.
What does Financial Institutions Inc do?
Financial Institutions, Inc., through its subsidiaries, provides banking and financial services to consumer, commercial, and municipal customers in New York. The company provides checking and savings account programs, including money market accounts, certificates of deposit, sweep investments, and individual retirement and other qualified plan accounts, as well as NOW accounts.