FIISO.PFD (Financial Institutions) OCF Margin %: 37.94% (As of Mar. 2026) — 12% Above Median

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FIISO.PFD Financial Institutions Inc FIISO.PFD
47 GF Score
Price $115.65
! 6 Warning Signs
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What is Financial Institutions OCF Margin %?

Financial Institutions FIISO.PFD 47 OCF Margin % is 37.94% as of Mar. 2026, which is 12% above its 10-year median of 33.88. GuruFocus rates FIISO.PFD with a GF Score™ of 47/100. The stock has 6 warning signs investors should review. Among 1,498 Banks companies, Financial Institutions ranks worse than 68.83% on this metric.

OCF Margin % is calculated as Cash Flow from Operations divided by its Revenue. Financial Institutions's Cash Flow from Operations for the three months ended in Mar. 2026 was $23.69 Mil. Financial Institutions's Revenue for the three months ended in Mar. 2026 was $62.44 Mil. Therefore, Financial Institutions's OCF Margin % for the quarter that ended in Mar. 2026 was 37.94%.

As of today, Financial Institutions's current OCF Yield % is 4.00%.

The historical rank and industry rank for Financial Institutions's OCF Margin % or its related term are showing as below:


During the past 13 years, the highest OCF Margin % of Financial Institutions was 67.34%. The lowest was 5.13%. And the median was 33.88%.

FIISO.PFD's OCF Margin % is not ranked *
in the Banks industry.
Industry Median: 29
* Ranked among companies with meaningful OCF Margin % only.

Financial Institutions OCF Margin % Related Terms

Financial Institutions OCF Margin % Historical Data

* Premium members only.

The historical data trend for Financial Institutions's OCF Margin % 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.

Financial Institutions OCF Margin % Chart

Financial Institutions Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
OCF Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 36.56 62.90 5.13 67.34 7.72

Financial Institutions Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
OCF Margin % 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 -9.63 -10.82 33.62 37.94 0.00
FIISO.PFD
47GF Score
Financial Institutions Inc FIISO.PFD
OCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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Financial Institutions OCF Margin % Calculation

OCF Margin % is the ratio of Cash Flow from Operations divided by net sales or Revenue, usually presented in percent.

Financial Institutions's OCF Margin for the fiscal year that ended in Dec. 2025 is calculated as

OCF Margin=Cash Flow from Operations (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=18.802/243.539
=7.72 %

Financial Institutions's OCF Margin for the quarter that ended in Mar. 2026 is calculated as

OCF Margin=Cash Flow from Operations (Q: Mar. 2026 )/Revenue (Q: Mar. 2026 )
=23.688/62.442
=37.94 %

* 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.

Frequently Asked Questions Learn more about OCF Margin % →
What does a OCF Margin % of 37.94% mean?
Financial Institutions (FIISO.PFD) has a OCF Margin % of 37.94% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Financial Institutions and its competitors. This is 12% above median its historical median of 33.88. Over the past decade, Financial Institutions' OCF Margin % has ranged from 5.13 to 67.34. According to the industry distribution chart, Financial Institutions ranks #1031 out of 1498 companies in the Banks industry, placing it in the top 68.8%.
Is Financial Institutions' OCF Margin % too high?
Financial Institutions' current OCF Margin % of 37.94% is 12% above median its 10-year median of 33.88. Over the past 10 years, this metric has ranged from a low of 5.13 to a high of 67.34. The Banks industry median OCF Margin % is 29.00. Financial Institutions' value of 37.94% is 30.8% above this industry median. Based on the distribution chart, Financial Institutions ranks #1031 out of 1498 companies in the Banks industry, which is below the industry midpoint. Overall, Financial Institutions has a GF Score™ of 47/100, reflecting its overall financial health beyond just this single metric.
How does Financial Institutions' OCF Margin % compare to SHBI and HBIA?
According to the Banks industry distribution chart, Financial Institutions ranks #1031 out of 1498 companies for OCF Margin %. This places Financial Institutions in the lower half of its industry. The industry median OCF Margin % is 29.00. Financial Institutions' value of 37.94% is 30.8% above this benchmark. Historically, Financial Institutions' own OCF Margin % has ranged from 5.13 to 67.34 over the past decade. While the company's 10-year median is 33.88 vs. the industry median of 29.00, Financial Institutions has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.00, based on 1,498 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Financial Institutions's current OCF Margin % of 37.94% is 30.8% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Financial Institutions and its competitors. For the Banks industry, the median OCF Margin % is 29.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Financial Institutions's current OCF Margin % is 37.94%, which is 12% above median its own 10-year median of 33.88. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Financial Institutions stock overvalued right now?
Financial Institutions (FIISO.PFD) has a current OCF Margin % of 37.94%. The current OCF Margin % is 37.94%, which is 12% above median its 10-year median of 33.88 and 30.8% above the Banks industry median of 29.00. Financial Institutions' overall GF Score™ is 47/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Financial Institutions (FIISO.PFD), the current OCF Margin % is 37.94% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Financial Institutions Business Description

Other Exchanges FISI:USA
Address 220 Liberty Street, Warsaw, NY, USA, 14569
Financial Institutions Inc operates through its subsidiaries, providing full range of banking services to consumer, commercial and municipal customers in Western and Central New York, and commercial loans in the Mid-Atlantic region, through a loan production office in Ellicott City, Maryland. It offers a broad range of loans including commercial business and revolving lines of credit, commercial mortgages, equipment loans, residential mortgage loans and home equity loans and lines of credit, automobile loans and personal loans. It operates in single segment of Banking.
47GF Score

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OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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