Wall Street analyst estimates for Financial Institutions, Inc. (FISI): consensus price target, buy/hold/sell recommendations and forecasts for revenue, EPS and EBITDA for the upcoming fiscal years.
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.
Recent Earnings Surprises
| Date | EPS Actual | EPS Est. | vs Est. |
|---|---|---|---|
| 2026-10-22 | $1.05 | ||
| 2026-07-23 | $1.04 | $0.93 | +11.8% |
| 2026-04-23 | $1.04 | $0.92 | +13.0% |
| 2026-01-29 | $0.96 | $0.95 | +1.1% |
| 2025-10-23 | $0.99 | $0.94 | +5.3% |
| 2025-07-24 | $0.85 | $0.88 | -3.4% |
| 2025-04-28 | $0.81 | $0.74 | +9.5% |
| 2025-01-30 | $0.54 | $0.74 | -27.0% |
Valuation Ratios
| P/E Ratio | 9.71 |
| Price / Book | 1.21 |
| EV / EBITDA | 20.19 |
| Dividend Yield | 3.17% |
Income Statement (10y)
| Year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $150.7M | $164.7M | $188.0M | $208.8M | $204.4M | $212.0M | $241.1M | $332.6M | $264.2M | $377.9M |
| Cost of Revenue | $22.2M | $30.9M | $38.8M | $46.9M | $49.5M | $4.1M | $42.8M | $135.3M | $176.1M | $144.6M |
| Gross Profit | $128.5M | $133.9M | $149.2M | $161.9M | $154.9M | $207.9M | $198.2M | $197.3M | $88.0M | $233.3M |
| Research & Development | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Selling, General & Admin | $55.5M | $59.6M | $71.8M | $72.9M | $66.2M | $67.0M | $76.0M | $80.6M | $74.9M | $88.3M |
| Operating Expenses | $84.4M | $90.4M | $99.7M | $102.5M | $109.2M | $110.7M | $127.3M | $134.2M | $156.2M | $142.0M |
| Operating Income | $44.1M | $43.5M | $49.5M | $59.4M | $45.7M | $97.2M | $71.0M | $63.1M | -$68.1M | $91.4M |
| EBITDA | $50.1M | $49.6M | $56.0M | $67.6M | $53.6M | $105.3M | $79.1M | $71.1M | -$60.5M | $99.2M |
| Interest Expense | $12.5M | $17.5M | $29.9M | $38.9M | $22.3M | $12.5M | $28.7M | $120.4M | $149.6M | $133.0M |
| Pre-tax Income | $44.1M | $43.5M | $49.5M | $59.4M | $45.7M | $97.2M | $71.0M | $63.1M | -$68.1M | $91.4M |
| Income Tax | $12.2M | $9.9M | $10.0M | $10.6M | $7.4M | $19.5M | $14.4M | $12.8M | -$26.5M | $16.5M |
| Net Income | $31.9M | $33.5M | $39.5M | $48.9M | $38.3M | $77.7M | $56.6M | $50.3M | -$41.6M | $74.9M |
| EPS | $2.11 | $2.13 | $2.39 | $2.97 | $2.30 | $4.81 | $3.58 | $3.17 | $-2.75 | $3.65 |
| EPS (Diluted) | $2.10 | $2.13 | $2.39 | $2.96 | $2.30 | $4.78 | $3.56 | $3.15 | $-2.75 | $3.61 |
| Shares Outstanding (Diluted) | $14.5M | $15.1M | $16.0M | $16.0M | $16.1M | $15.9M | $15.5M | $15.5M | $15.7M | $20.3M |
Price
| Price | $40.23 |
| Market Cap | $792M |
| Exchange | NASDAQ |
| Country | US |
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Explore sector: Financial Services · Banks - Regional
More sections of FISI: Overview · Financials · Valuation · Statistics · Technical · Ownership · News · Events
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