Financial Institutions Inc (FISI) — Titan Protect Analysis

FISI

Financial Institutions Inc

Financial · ·

$37.11

Data: 2026-06-03

✗ ETHICAL FAIL

NONE MOAT

LIMITED

Data Confidence: 0.0%

Key Metrics

How this company measures up on the fundamentals that matter

Market Cap

$707M

Total market value of the company

Trailing P/E

9.35

Very cheap relative to earnings

Forward P/E

8.57

Based on estimated future earnings — lower means cheaper

Rev Growth

+11.3%

Year-over-year revenue change

Profit Margin

33.0%

How much profit the company keeps from each dollar of revenue

ROE

12.9%

Return on equity — how efficiently it uses shareholder money

Analyst Target

$38.50

+4% from current price — median analyst estimate

Recommendation

NONE

Consensus view from 2 analysts covering this stock

About Financial Institutions Inc

Financial Institutions, Inc., through its subsidiaries, provides banking and financial services to consumer, commercial, and municipal customers in New York. The company provides checking and savings account programs, including money market accounts, certificates of deposit, sweep investments, and individual retirement and other qualified plan accounts, as well as NOW accounts. It also offers commercial loan products including term loans and lines of credit; short and medium-term commercial loan

https://www.five-starbank.com

Country: United States Employees: 631 Industry: Banks - Regional

Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity

FAIL

Core business does not involve prohibited activities

Debt Ratio

0.0% PENDING

Debt must be below 33% of total assets

Cash Ratio

0.0% PENDING

Interest-bearing cash below 33% of assets

Receivables

0.0% PENDING

Receivables below 49% of assets

Revenue Purity

0.0% PENDING

Non-compliant revenue below 5% — any excess requires purification

Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

Regime

ACCUMULATION

Smart money appears to be building positions quietly

Sharpe Ratio

1.427

Excellent risk-adjusted returns

Kelly Fraction

0.1047

Suggested allocation is meaningful — the edge justifies a position

Calmar Ratio

1.946

Returns exceed worst-case losses — strong risk profile

Annual Return

52.2%

Historical annualised return based on price data

Max Drawdown

-26.8%

Largest peak-to-trough decline — the worst it has been

HMM State

BEAR

Statistical model detects bearish conditions

Days in State

140

How long the current regime has persisted — longer means more stable

Market Data

Trading characteristics and market positioning

Beta

0.65

Less volatile than the market — more defensive

52W High

$36.57

-1% below the year high

52W Low

$24.41

52% above the year low

Avg Volume

110,661

Average daily shares traded — higher means easier to buy and sell

Short Ratio

6.1

Days it would take all short sellers to cover — higher means more crowded

Short % Float

N/A

Div Yield

346.0%

Annual dividend as a percentage of the share price

EPS (TTM)

$3.84

Earnings per share over the last 12 months

Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Like current ratio but excludes inventory — stricter test

Gross Margin

N/A

Revenue left after cost of goods — higher means pricing power

Operating Margin

42.9%

Profit from core operations before interest and tax

Free Cash Flow

N/A

Negative — the business is spending more than it generates

Revenue (TTM)

$239M

Total revenue over the last 12 months

Net Income

$78M

Profitable — the bottom line is positive

Analyst Coverage

Analysts

Target High

$39.00

Target Median

$38.50

Target Low

$38.00

Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated: 2026-06-03

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