Financial Institutions, Inc.
Financials
Valuation Metrics
Financial Institutions, Inc.'s Market Cap is $790M. At end of 2025 it was $626M. Ranked #2552 of 3,118 in US market (top 82%), #1072 of 1,474 on NASDAQ (top 73%), #197 of 245 in Banks (top 80%) by Market Cap.
Investment Metrics(as of 2026-11-02)
| Metric | Value | Rank |
|---|---|---|
| Size | ||
| Market Cap | $790M | US#2,552/3,118 Sec#197/245 |
| Revenue | $221M | US#2,522/3,118 Sec#163/245 |
| Net Income | $83M | US#1,690/3,118 Sec#166/245 |
| Total Assets | $6.34B | US#1,276/3,118 Sec#184/245 |
| Net Assets | $643M | US#2,061/3,118 Sec#186/245 |
| Employees | 631 | US#2,164/3,118 Sec#165/245 |
| Value | ||
| P/E | 9.56x | US#287/3,118 Sec#32/245 |
| P/B | 1.23x | US#617/3,118 Sec#103/245 |
| P/S | 3.58x | US#1,934/3,118 Sec#107/245 |
| EV/EBITDA | 19.81x | US#1,882/3,118 Sec#191/245 |
| FCF Yield | 7.12% | US#950/3,118 Sec#156/245 |
| Profitability | ||
| ROE | 12.84% | US#1,068/3,118 Sec#68/245 |
| ROA | 1.30% | US#1,832/3,118 Sec#84/245 |
| Op. Margin | 22.28% | US#781/3,118 Sec#174/245 |
| Financial Health | ||
| Debt Ratio | 884.54% | US#2,671/3,118 Sec#168/245 |
| Total Debt | $291M | US#2,095/3,118 Sec#168/245 |
| FCF | $56M | US#1,934/3,118 Sec#182/245 |
| Cash | $60M | US#2,499/3,118 Sec#203/245 |
| Current Ratio | 0.47x | US#2,731/3,118 Sec#93/245 |
| Net Debt/EBITDA | 4.49x | US#1,939/3,118 Sec#168/245 |
| Dividend | ||
| Div. Yield | 3.16% | US#549/3,118 Sec#55/245 |
| Div. Growth | 33.49% | US#172/3,118 Sec#27/245 |
| Performance | ||
| 1Y Return | 41.21% | US#703/3,118 Sec#65/245 |
| 1M Return | 0.41% | US#1,664/3,118 Sec#162/245 |
| From 52W High | -6.57% | US#679/3,118 Sec#112/245 |
| 1Y MDD | -13.92% | US#202/3,118 Sec#78/245 |
| Trading | ||
| Volume | 117,627 shares | US#2,638/3,118 Sec#138/245 |
| Trading Value | $5M | US#2,417/3,118 Sec#150/245 |
| Per Share | ||
| EPS | $4.20 | US#815/3,118 Sec#87/245 |
| BPS | $32.68 | US#812/3,118 Sec#122/245 |
Company Info
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; short and medium-term commercial loans for working capital, business expansion, and purchase of equipment; commercial business loans; commercial mortgage loans; one-to-four family residential mortgage loans; home improvement loans, closed-end home equity loans, and home equity lines of credit; and consumer loans, such as automobile, secured installment, and other secured and unsecured personal loans, as well as recreational vehicle, boat, personal loans, and deposit account collateralized loans. In addition, it offers investment advisory, wealth management, investment consulting, and retirement plan services, as well as operates a real estate investment trust that holds residential mortgages and commercial real estate loans. Financial Institutions, Inc. was founded in 1817 and is headquartered in Warsaw, New York.