Lumida
/FISI
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Financial Institutions Inc

Financial Institutions Inc

FISI
$40.92USD-0.41%-0.17 today

MARKET CAP

806.4M

P/E (TTM)

11.3x

FWD P/E

DAY RANGE

$41 – $42

52W RANGE

$26
$43

AI Summary

Stalk
Buy NowMedium

FISI remains in a Stage 2 advancing trend with a corrective pullback into rising EMAs, supported by an active Lockout Rally pattern driving institutional demand. Recent price action shows a healthy retracement into the 9/20 EMAs without exhaustion, presenting a favorable entry location. With no OB/OS stress, solid volume dynamics, and low Stage Transition Risk, buy on this pullback into the EMAs for participation in the ongoing uptrend.

  • Q2 net income +21% YoY to $20.8M ($1.04 EPS)
  • NIM improved to 3.70% reflecting stable funding costs
  • Indirect lending runoff increased, raising credit risk concerns
Full analysis →
STATEMENT·Income statement
USD · GAAP
METRICFY 2021FY 2022FY 2023FY 2024FY 2025TREND
Sales, Adj.$214.1M$242.4M$334.4M$266.6M$377.9M
YoY %+4.7%+13.2%+38.0%-20.3%+41.8%
P / Sales2.4x1.6x1.0x1.6x1.7x
EV / Sales25.4x23.3x17.7x22.2x16.5x
Gross Profit, Adj.$201.6M$213.6M$214.0M$116.9M$244.9M
YoY %+10.7%+6.0%+0.1%-45.4%+109.5%
Margin %94.2%88.1%64.0%43.9%64.8%
EV / Gross Profit27.0x26.4x27.6x50.6x25.4x
EBITDA, Adj.$97.3M$72.6M$63.1M$-45.1M$91.4M
YoY %+106.1%-25.4%-13.1%-171.6%+302.4%
Margin %45.5%29.9%18.9%-16.9%24.2%
EV / EBITDA55.9x77.7x93.8x-131.2x68.1x
EBIT$97.2M$71.0M$63.1M$-68.1M$91.4M
YoY %+112.6%-27.0%-11.2%-208.1%+234.1%
Margin %45.4%29.3%18.9%-25.6%24.2%
EV / EBIT56.0x79.5x93.8x-86.9x68.1x
Net Income$76.2M$55.1M$48.8M$-43.1M$73.4M
YoY %+106.8%-27.7%-11.4%-188.3%+270.3%
Net Margin35.6%22.7%14.6%-16.2%19.4%
EPS (GAAP)$4.78$3.56$3.15-$2.75$3.61
YoY %+107.8%-25.5%-11.5%-187.3%+231.3%