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← CockpitCompetitor Analysis › FISI Financial Institutions, Inc.Open in the cockpit ↗

Financial Institutions, Inc.FISICompetitor analysis, valuation and peers

United States · USD·Financials›Regional Banks
Momentum strong 63
Mkt cap
$776M
US dollars, full cap
Free float
97%
of shares outstanding
$/day
$4.59M
20-day average traded
P/B
1.29×
price to book
ROE
30.0%
delivered
Implied ROE
n/a
what the price asks
Next earnings
87 days
1 Feb 2027
Close · USD$39.73
1D+0.6%
1W+0.9%
1M+1.7%
3M-3.9%
6M+12.2%
YTD+27.5%
1Y+35.9%
ATR %2.6%
Beta0.58
52w lowhigh7.5% off high

What Financial Institutions does

Employees: 631

Financial Institutions at a glance

Size Financial Institutions (FISI) is a United States Financials company (Regional Banks) with a market value of $776M, the 2420th largest of 3,117 United States companies the cockpit tracks. Shares closed at $39.73 on 6 Nov 2026.

Performance Over six months the shares gained 12.2%, against +5.2% for the median peer and -1.1% for the United States market (cap-weighted) — 9th highest of 20 in its peer set.

Growth Revenue grew 41.8% over the last twelve months (peer median +3.5%); the operating margin is 38.7% (peer median 35.4%).

Valuation It trades at 1.29× book value against a peer median of 1.16× (9th most expensive of 21).

Short interest Short interest is 3.8% of the free float (15 Oct 2026).

Next results Next results expected around 1 Feb 2027 (exchange calendar; dates can move).

Relative performance

10011012011 May 202611 Aug 20266 Nov 2026FISI 114Peer median 108
Six months, rebased to 100: Financial Institutions against the median of its 20 peers (local-currency closes).

Financial Institutions financials

Reported figures in USD; fiscal year ends 2025-12-31. TTM = trailing twelve months.
TTMFY2025FY2024FY2023FY2022
Revenue$376M$374M$263M$331M$239M
Revenue growth—+42%-20%+38%—
Net income$82.1M$74.9M-$41.6M$50.3M$56.6M
Free cash flown/a$13.6M$72.4M$8.16M$118M
Capital expendituren/a$77.8M$5.00M$56.6M$43.9M
Total debt$246M$334M$257M$343M$312M

Quarterly statements and history in the cockpit →

Financial Institutions competitor charts

The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.

Performance: 6-month against 1-month return

0%+50%+100%-20%0%+20%AGBK1983CBGRINGVBNKSHBI2558PGCSMBK834485418343TKBPFISI6-month return →1-month return →
Up and to the right = strong over both horizons. Financial Institutions is the large dot.

Fundamentals: return on equity against price-to-book

0%10%20%30%0.50×10×1.50×1983CBGRINGVBNKSPFISHBI2558PGC834485418343TKBPS41FISIReturn on equity →Price / book →
A bank or insurer earning more on its equity usually trades at a higher multiple of book; points far above the trend are priced for more. Financial Institutions is the large dot.

Financial Institutions competitors and peer comparison

How Financial Institutions compares with its peers

Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.

Financial Institutions against its 20 peers (data as of 6 Nov 2026)
MeasureFISIPeer medianRank in peer set
1-month return+1.7%+1.0%9th highest of 21
6-month return+12.2%+5.2%9th highest of 20
Return on equity30.0%11.1%highest of 20
Price / book1.29×1.16×9th most expensive of 21
Trailing P/E9.9×11.7×5th cheapest of 19
ROE delivered30.0%11.1%highest of 20

Peer table

Peer set: Industry: the same industry and sector in any market, nearest in size
CompanyMarketMarket cap6M returnRevenue growthROEPrice / bookImplied ROEDelivered ROE
Financial Institutions FISIUnited States$776M+12%+42%30%1.29×n/a30.0%
AGI AGBKUnited States$777M-31%n/an/a0.84×11.3%n/a
Luzhou Bank 1983.HKHong Kong$790M-5%+6%14%0.45×4.0%14.0%
Close Brothers CBG.LUnited Kingdom$791M-10%-12%-6%0.40×8.8%-5.9%
SpareBank 1 Ringerike Hadeland RING.OLNorway$752M+2%-4%13%1.40×6.9%13.0%
VersaBank VBNK.TOCanada$752M+27%+14%6%1.86×13.6%6.2%
South Plains Financial SPFIUnited States$800M+4%+10%13%1.28×8.4%12.6%
Independent Bank IBCPUnited States$802M+5%+3%14%1.39×10.6%13.5%
Shore Bancshares SHBIUnited States$746M+14%+3%11%1.21×10.2%11.5%
HomeTrust Bancshares HTBUnited States$743M+2%-3%11%1.30×10.6%11.3%
Jinshang Bank 2558.HKHong Kong$741M-31%-5%6%0.18×3.5%6.1%
Peapack-Gladstone Financial PGCUnited States$814M+7%+11%9%1.10×9.1%8.9%
SmartFinancial SMBKUnited States$816M+13%+10%11%1.40×10.8%11.1%
Washington Trust Bancorp WASHUnited States$737M+19%+30%12%1.39×10.6%12.0%
Yamagata Bank 8344.TJapan$736M+49%+25%5%0.75×5.3%5.1%
Ehime Bank 8541.TJapan$733M+66%+8%5%0.80×5.2%5.1%
Akita Bank 8343.TJapan$731M+107%+29%5%0.61×5.3%5.0%
River City Bank RCBCUnited States$832Mn/a+1%16%1.38×7.6%15.9%
Peoples Financial Services PFISUnited States$723M+22%+4%12%1.37×10.7%11.7%
Thurgauer Kantonalbank TKBP.SWSwitzerland$838M-6%-11%6%0.23×n/a5.6%
Hong Leong Finance S41.SISingapore$846M-5%-27%3%0.51×2.5%3.1%

Questions

Which companies are Financial Institutions's closest peers?
The cockpit's peer set: AGI (AGBK), Luzhou Bank (1983.HK), Close Brothers (CBG.L), SpareBank 1 Ringerike Hadeland (RING.OL), VersaBank (VBNK.TO), South Plains Financial (SPFI), Independent Bank (IBCP), Shore Bancshares (SHBI).
Is Financial Institutions expensive compared with its peers?
On price / book it trades at 1.29× against a peer median of 1.16×, 9th most expensive of 21 in its peer set.
How has Financial Institutions stock performed?
Over six months to 6 Nov 2026 the shares returned +12.2% against +5.2% for the median peer; over one year +35.9%.

How these numbers are made. Returns are close-to-close in local currency. Revenue growth and margins are trailing twelve months. Req g is the revenue growth that today's enterprise value requires for seven years at the company's own cost of capital; Delivered g is what it actually grew; the gap is the hurdle (honest precision about ±8 points, so read the ranking more than the decimal). No fair values, price targets or analyst ratings are shown, by design. Method and validation.