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FISI (Financial Institutions) EV-to-FCF : 8.60 (As of Jul. 02, 2025)


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What is Financial Institutions EV-to-FCF?

EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Financial Institutions's Enterprise Value is $604.0 Mil. Financial Institutions's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2025 was $70.2 Mil. Therefore, Financial Institutions's EV-to-FCF for today is 8.60.

The historical rank and industry rank for Financial Institutions's EV-to-FCF or its related term are showing as below:

FISI' s EV-to-FCF Range Over the Past 10 Years
Min: -127.72   Med: 11.89   Max: 73.28
Current: 8.46

During the past 13 years, the highest EV-to-FCF of Financial Institutions was 73.28. The lowest was -127.72. And the median was 11.89.

FISI's EV-to-FCF is ranked worse than
61.14% of 1225 companies
in the Banks industry
Industry Median: 5.88 vs FISI: 8.46

EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

As of today (2025-07-02), Financial Institutions's stock price is $26.93. Financial Institutions's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2025 was $-0.750. Therefore, Financial Institutions's PE Ratio (TTM) for today is At Loss.


Financial Institutions EV-to-FCF Historical Data

The historical data trend for Financial Institutions's EV-to-FCF can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Financial Institutions EV-to-FCF Chart

Financial Institutions Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
EV-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only 9.27 8.54 4.58 71.42 10.18

Financial Institutions Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
EV-to-FCF Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 27.23 13.20 -110.82 10.18 8.04

Competitive Comparison of Financial Institutions's EV-to-FCF

For the Banks - Regional subindustry, Financial Institutions's EV-to-FCF, along with its competitors' market caps and EV-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Financial Institutions's EV-to-FCF Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Financial Institutions's EV-to-FCF distribution charts can be found below:

* The bar in red indicates where Financial Institutions's EV-to-FCF falls into.


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Financial Institutions EV-to-FCF Calculation

Financial Institutions's EV-to-FCF for today is calculated as:

EV-to-FCF=Enterprise Value (Today)/Free Cash Flow (TTM)
=604.035/70.226
=8.60

Financial Institutions's current Enterprise Value is $604.0 Mil.
Financial Institutions's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was $70.2 Mil.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.


Financial Institutions  (NAS:FISI) EV-to-FCF Explanation

EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

Financial Institutions's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=26.93/-0.750
=At Loss

Financial Institutions's share price for today is $26.93.
Financial Institutions's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was $-0.750.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.


Financial Institutions EV-to-FCF Related Terms

Thank you for viewing the detailed overview of Financial Institutions's EV-to-FCF provided by GuruFocus.com. Please click on the following links to see related term pages.


Financial Institutions Business Description

Traded in Other Exchanges
Address
220 Liberty Street, Warsaw, NY, USA, 14569
Financial Institutions Inc operates as a financial holding company, engages in the provision of a wide range of consumer and commercial banking services to individuals, municipalities, and businesses in Western and Central New York. It operates through one segment: The Banking segment which includes all of the company's retail and commercial banking operations.
Executives
Mark Zupan director 1041 PITTSFORD VICTOR ROAD, PITTSFORD NY 14534
Laurie R Collins officer: Senior Vice President 220 LIBERTY STREET, WARSAW NY 14569
Plants William Jack Ii officer: Chief Financial Officer 220 LIBERTY STREET, WARSAW NY 14569
Kevin B Quinn officer: Senior Vice President 220 LIBERTY STREET, WARSAW NY 14569
Gary A. Pacos officer: Chief Risk Officer 220 LIBERTY STREET, WARSAW NY 14569
Burruano Samuel J Jr officer: Senior Vice President 220 LIBERTY STREET, WARSAW NY 14569
Martin Kearney Birmingham officer: Senior Vice President 220 LIBERTY STREET, WARSAW NY 14569
Kim E Vangelder director 220 LIBERTY STREET, WARSAW NY 14569
Robert M Glaser director 220 LIBERTY STREET, WARSAW NY 14569
Robert N Latella director 220 LIBERTY, WARSAW NY 14569
Donald Boswell director WESTERN NY PUBLIC BROADCASTING ASSOC, HORIZONS PLAZA 140 LOWER TERRACE, BUFFALO NY 14202
Dorn Andrew W Jr director 2421 MAIN STREET, BUFFALO NY 14214
Susan R Holliday director 220 LIBERTY ST, WARSAW NY 14569
Samuel M Gullo director 220 LIBERTY ST, WARSAW NY 14569
Bruce W Harting director 1185 PARK AVENUE, 6D, NEW YORK NY 10128