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Financial Institutions Inc (FISI)
NASDAQ:FISI
US Market
FISI
Financial Institutions
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Financial Institutions (FISI) Ratios

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Financial Institutions Ratios

FISI's free cash flow for Q2 2026 was $-0.04. For the 2026 fiscal year, FISI's free cash flow was decreased by $ and operating cash flow was $-0.81. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.47 0.03 0.02 0.19 0.21
Quick Ratio
 0.47 0.03 0.02 0.19 0.21
Cash Ratio
 0.33 0.02 0.02 0.02 0.03
Solvency Ratio
 0.01 0.01 >-0.01 0.01 0.01
Operating Cash Flow Ratio
 0.33 <0.01 0.01 <0.01 0.03
Short-Term Operating Cash Flow Coverage
 0.33 0.17 0.78 0.06 0.65
Net Current Asset Value
$ -5.61B$ -5.51B$ -5.44B$ -4.67B$ -4.29B
Leverage Ratios
Debt-to-Assets Ratio
 0.05 0.05 0.04 0.06 0.05
Debt-to-Equity Ratio
 0.45 0.53 0.45 0.75 0.77
Debt-to-Capital Ratio
 0.31 0.35 0.31 0.43 0.44
Long-Term Debt-to-Capital Ratio
 0.11 0.24 0.18 0.21 0.15
Financial Leverage Ratio
 9.85 9.98 10.75 13.55 14.29
Debt Service Coverage Ratio
 0.11 0.34 -0.14 0.19 0.28
Interest Coverage Ratio
 0.40 0.69 -0.46 0.52 2.47
Debt to Market Cap
 0.33 0.48 0.52 0.95 0.75
Interest Debt Per Share
 21.14 23.25 25.90 30.16 22.18
Net Debt to EBITDA
 4.49 2.27 -2.80 3.08 2.30
Profitability Margins
Gross Profit Margin
57.94%61.73%33.33%59.32%82.23%
EBIT Margin
15.60%24.17%-25.80%18.96%29.44%
EBITDA Margin
16.35%26.26%-22.89%21.39%32.80%
Operating Profit Margin
15.60%24.17%-25.80%18.96%29.44%
Pretax Profit Margin
31.58%24.17%-25.80%18.96%29.44%
Net Profit Margin
26.18%19.81%-15.76%15.11%23.47%
Continuous Operations Profit Margin
26.18%19.81%-15.76%15.11%23.47%
Net Income Per EBT
82.90%81.95%61.11%79.72%79.71%
EBT Per EBIT
202.44%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
1.30%1.19%-0.68%0.82%0.98%
Return on Equity (ROE)
13.09%11.91%-7.32%11.05%13.95%
Return on Capital Employed (ROCE)
0.80%9.75%-7.68%8.48%10.80%
Return on Invested Capital (ROIC)
0.64%7.16%-4.22%5.41%6.56%
Return on Tangible Assets
1.32%1.20%-0.69%0.83%0.99%
Earnings Yield
10.61%11.95%-9.73%15.35%15.10%
Efficiency Ratios
Receivables Turnover
 12.39 15.06 11.12 13.59 12.45
Payables Turnover
 0.00 6.75 6.81 6.97 7.16
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 4.68 5.48 3.76 4.66 3.30
Asset Turnover
 0.05 0.06 0.04 0.05 0.04
Working Capital Turnover Ratio
 -0.12 -0.07 -0.06 -0.08 -0.06
Cash Conversion Cycle
 29.45 -29.85 -20.77 -25.50 -21.65
Days of Sales Outstanding
 29.45 24.24 32.81 26.87 29.33
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 54.10 53.58 52.37 50.98
Operating Cycle
 29.45 24.24 32.81 26.87 29.33
Cash Flow Ratios
Operating Cash Flow Per Share
 3.10 0.94 4.92 0.71 8.68
Free Cash Flow Per Share
 2.86 0.66 4.60 0.51 8.14
CapEx Per Share
 0.24 0.28 0.32 0.19 0.54
Free Cash Flow to Operating Cash Flow
 0.92 0.70 0.94 0.73 0.94
Dividend Paid and CapEx Coverage Ratio
 1.96 0.59 3.09 0.48 4.87
Capital Expenditure Coverage Ratio
 13.14 3.39 15.51 3.64 15.96
Operating Cash Flow Coverage Ratio
 0.21 0.06 0.30 0.03 0.43
Operating Cash Flow to Sales Ratio
 0.19 0.05 0.29 0.03 0.55
Free Cash Flow Yield
7.20%2.12%16.86%2.41%33.41%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 9.70 8.54 -9.92 6.52 6.62
Price-to-Sales (P/S) Ratio
 2.47 1.66 1.62 0.98 1.55
Price-to-Book (P/B) Ratio
 1.21 1.00 0.75 0.72 0.92
Price-to-Free Cash Flow (P/FCF) Ratio
 13.88 47.27 5.93 41.45 2.99
Price-to-Operating Cash Flow Ratio
 12.80 33.32 5.55 30.06 2.81
Price-to-Earnings Growth (PEG) Ratio
 0.03 -0.04 0.05 -0.57 -0.26
Price-to-Fair Value
 1.21 1.00 0.75 0.72 0.92
Enterprise Value Multiple
 19.62 8.59 -9.88 7.68 7.04
Enterprise Value
 1.01B 851.96M 597.27M 546.39M 556.74M
EV to EBITDA
 19.62 8.59 -9.88 7.68 7.04
EV to Sales
 3.21 2.25 2.26 1.64 2.31
EV to Free Cash Flow
 18.00 64.28 8.28 69.15 4.45
EV to Operating Cash Flow
 16.63 45.31 7.74 50.15 4.17
Tangible Book Value Per Share
 29.70 28.29 32.41 24.86 21.59
Shareholders’ Equity Per Share
 32.76 31.29 36.28 29.58 26.37
Tax and Other Ratios
Effective Tax Rate
 0.17 0.18 0.39 0.20 0.20
Revenue Per Share
 16.07 18.80 16.84 21.63 15.67
Net Income Per Share
 4.21 3.72 -2.66 3.27 3.68
Tax Burden
 0.83 0.82 0.61 0.80 0.80
Interest Burden
 2.02 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.33 0.23 0.28 0.24 0.31
Stock-Based Compensation to Revenue
 0.01 <0.01 <0.01 <0.01 0.01
Income Quality
 0.74 0.25 -1.85 0.22 2.36
Currency in USD