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Financial Institutions

NSQ:FISI · US3175854047
BanksSmall

360

37
Profit price87
Cash yield85
Price/Sales66
EV / Gross Profit46
Price/Book49
Returns on capital66
Profit margins—
Cash Conversion8
Accruals51
Owner Earnings Margin67
Sales growth28
Profit growth46
Reinvestment27
Price momentum88
Debt load26
Debt serviceability73
Liquidity7
Analyst ratings18
Opinion Changes50
Price Target Upside30
Market mood63
Value Creation20/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Financial Institutions generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNASDAQGS
Founded1931
Websitefinancialinstitutionsinc.q4ir.com
ISINUS3175854047
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)Sound Pay Practices (USA)
Themes
FinanceFinancial Services

Description

Financial Institutions, Inc. operates as a financial holding company for Five Star Bank (‘FSB’ or ‘the bank’) that provides a full range of banking services to consumer, commercial and municipal customers in Western and Central New York. The bank al…

Analysis

Hidden champion

Financial Institutions, Inc. fits the profile of a hidden champion, yet the market has not awarded it the premium its quality earns.

On valuation, the picture is attractive. The owner-earnings multiple stands at 9.2×; owner earnings: the cash an owner could take out each year.

Growth is tepid; the safety picture is stretched. The company scores 20/20 on our value-creation score: strong value creator. Analyst sentiment is cautious.

Flags to be aware of: Reported profits have run ahead of actual cash for several periods. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
40
2023202420252026

All-time high

98

Nov 2025

All-time low

39

Feb 2024

Average rank

65

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
66
67
91
53
Price/Earnings
77
91
97
81
Price/Book
49
61
78
76
Dividend Yield
85
83
85
100
Value (overall)
73
85
98
100

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →