Touchstone
Last syncNov 1, 2026, 6:55 PM ET

FISI

Financial Institutions Inc Financials National Commercial Banks Russell 3000
$39.37Close $814.9MMarket cap $27.51 – $42.7052-week range Late-januaryNext report · estimated

Highlights

Strengths

  • Earnings growing EPS +23% year on year

Cautions

  • Trend not confirmed 6 of 8 conditions · under the 50-day, RS under 70

Price

Filing Results Screen pick 52-week high and low Adjusted prices

Key figures

FY to Dec 31, 2025 · filed Aug 3, 2026
Off 12-month high 8%
1wk down 3.0% price change
1mo up 1.0% price change
12-month return up 41% market up 11% · its own up 29%
F-score — — Not assessed
Altman Z — Unknown
P/E 10.9× price / earnings
PEG — P/E / EPS growth
P/B 1.3× price / book
Earnings yield — EBIT / enterprise value
Cheaper than — of the market · not assessed
Revenue growth up 110% year on year
EPS growth up 23% latest quarter · -4 pts
Sales growth up 8% latest quarter · -2 pts
ROE up 13% return on equity
Free cash margin —
D/E 0.31 long-term debt / equity
Net debt / EBITDA —
Interest cover —EBIT / interest
Piotroski tests

Repair signals

  • Revenue reaccelerating (-45% then +110%)

Trade setup

ATR% 2.3% $0.92 a day · 2×ATR $37.52
RS 67 / 99 vs the universe
Trend 6 / 8 under the 50-day, RS under 70
Relative volume 2.0× vs 50-day average
Up/down volume 0.92 50 sessions
Implied move — no scheduled report
Trend template · 6 of 8
  • Price above the 50-day average: fails
  • RS rank 70 or higher: fails

Screen verdict

Did not qualify for any screen.

Warning signs

none flagged
  • No restatement or impairment
  • Equity positive
  • No material dilution
  • Margins and revenue not shrinking
Last reported Oct 29, 2026
Results reaction Oct 29, 2026-1% vs market2 sessions after results

Financials

6 fiscal years · from filings
Revenue What customers paid the company over its fiscal year, before any cost, as filed in its annual report. The change is against the year before. Methodology $244.9M +110% on FY2024
$0 $250M FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $182.2M FY2021 · $201.6M FY2022 · $213.6M FY2023 · $214.0M FY2024 · $116.9M FY2025 · $244.9M
Net income Profit left after every cost, interest and tax for the year. A column below the line is a loss. Methodology $74.9M back to a profit
-$50M $0 $100M FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $38.3M FY2021 · $77.7M FY2022 · $56.6M FY2023 · $50.3M FY2024 · -$41.6M FY2025 · $74.9M
Margins Each as a share of revenue. Gross: left after the direct cost of what was sold. Net: left after every cost. Free cash: free cash flow over revenue. A margin rising over years means the business keeps more of each dollar it sells. Methodology
  • Net 31%
-50% 0% 50% FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Net 21% FY2021 · Net 39% FY2022 · Net 26% FY2023 · Net 23% FY2024 · Net -36% FY2025 · Net 31%
Cash and long-term debt Cash on the balance sheet at the year's end beside debt due after a year. Net cash is cash less that debt; net debt is the shortfall. Debt some filers do not tag shows as a gap, not as zero. Methodology
  • Cash
  • Long-term debt
$0 $200M FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Long-term debt $73.6M FY2021 · Long-term debt $73.9M FY2022 · Long-term debt $74.2M FY2023 · Cash $124.4M · Long-term debt $124.5M FY2024 · Cash $87.3M · Long-term debt $124.8M FY2025 · Cash $108.8M · Long-term debt $193.7M
Shares outstanding Shares in issue at the year's end. A rising count means each share owns a smaller slice of the company (stock pay, share sales); a falling one, buybacks. The chart's scale is fitted to the count, so a small change looks large: read the percentage. Methodology 20.70m +28.6% since FY2020
20.70m 16.10m FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · 16.10m FY2021 · 16.10m FY2022 · 16.10m FY2023 · 16.10m FY2024 · 20.70m FY2025 · 20.70m
  FY2020Dec 31, 2020 FY2021Dec 31, 2021 FY2022Dec 31, 2022 FY2023Dec 31, 2023 FY2024Dec 31, 2024 FY2025Dec 31, 2025
Revenue $182.2M $201.6M $213.6M $214.0M $116.9M $244.9M
Net income $38.3M $77.7M $56.6M $50.3M -$41.6M $74.9M
Net margin 21% 39% 26% 23% -36% 31%
Earnings per share $2.39 $4.88 $3.66 $3.25 -$2.66 $3.68
Cash — — — $124.4M $87.3M $108.8M
Long-term debt $73.6M $73.9M $74.2M $124.5M $124.8M $193.7M
Shareholders' equity $468.4M $505.1M $405.6M $454.8M $569.0M $628.9M
Shares outstanding 16.10m 16.10m 16.10m 16.10m 20.70m 20.70m

Filings

SEC EDGAR
FiledReportPeriod to Lag
Aug 3, 2026 Quarterly ↗ Jun 30, 2026 34d
May 4, 2026 Quarterly ↗ Mar 31, 2026 34d
Mar 9, 2026 Annual ↗ Dec 31, 2025 68d
Nov 3, 2025 Quarterly ↗ Sep 30, 2025 34d
Aug 4, 2025 Quarterly ↗ Jun 30, 2025 35d
May 5, 2025 Quarterly ↗ Mar 31, 2025 35d
Mar 12, 2025 Annual ↗ Dec 31, 2024 71d
Nov 4, 2024 Quarterly ↗ Sep 30, 2024 35d
Aug 5, 2024 Quarterly ↗ Jun 30, 2024 36d
May 6, 2024 Quarterly ↗ Mar 31, 2024 36d
Mar 13, 2024 Annual ↗ Dec 31, 2023 73d
Nov 6, 2023 Quarterly ↗ Sep 30, 2023 37d

Current reports

FiledDisclosed
Oct 29, 2026 Results · Regulation FD ↗
Sep 8, 2026 Director or officer change ↗
Aug 26, 2026 Regulation FD ↗
Jul 23, 2026 Results · Regulation FD ↗
May 21, 2026 Shareholder vote ↗
May 20, 2026 Regulation FD ↗
Apr 23, 2026 Results · Regulation FD ↗
Mar 10, 2026 Director or officer change ↗
Feb 12, 2026 Regulation FD ↗
Jan 29, 2026 Results · Regulation FD ↗
Dec 11, 2025 Material agreement · New obligation · Regulation FD · Other events ↗
Nov 17, 2025 Regulation FD ↗