Financial Institutions, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Financial Institutions, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Steadiness Ratio: Sales grew in 1 of the last 3 years; profit grew in 1 of 3. Less steady than 88% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
1/3 · 1/3Sales grew in 1 of the last 3 years; profit grew in 1 of 3.
Less steady than 88% of Financial Services companies in United States.
Growth Efficiency Ratio
$59Sales grew 15% in 3 years; of every extra $100 of sales, $59 became extra profit.
Higher than 83% of Financial Services companies in United States.
Asset Productivity Ratio
+15% / +8%In 3 years sales changed by +15% while total assets changed by +8%. Sales grew faster than assets.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
99%Of every $100 the company owns, $99 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 70% of Financial Services companies in United States.
Tangible Net Worth Ratio
90%Of every $100 of net worth, $90 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 65% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Financial Institutions, Inc. owes $0.90 for every $1 it owns. Financial Institutions, Inc. returned to profit in the year to Dec 2025, after a loss the year before.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
10.1Investors pay $10.1 for every $1 of Financial Institutions, Inc.'s yearly profit, lower than 78% of Financial Services companies in United States.
P/B ratio
1.25The share price is 1.25 times Financial Institutions, Inc.'s book value per share, lower than 54% of Financial Services companies in United States.
Market cap
$802 MThe total market value of all of Financial Institutions, Inc.'s shares at today's price (share price × number of shares), larger than 51% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$643 MWhat Financial Institutions, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$32.65Net worth divided by the number of shares. The share price of $40.69 is 1.2 times this, which is the P/B above.
Return on equity (ROE)
13.3%Financial Institutions, Inc. earned 13.3% on its shareholders' money over the last year, higher than 69% of Financial Services companies in United States.
Owes vs Owns
0.90×Financial Institutions, Inc. owes $0.90 for every $1 it owns (high), higher than 80% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
3.21%Financial Institutions, Inc. pays 3.21% of its share price as dividends a year, higher than 58% of dividend-paying Financial Services companies in United States.
Revenue growth
+113%Revenue rose 113% in the year to Dec 2025, and grew 5% a year on average over 3 years.
Profit growth
Back to profitFinancial Institutions, Inc. returned to profit in the year to Dec 2025, after a loss the year before.
Profit margin
30.7%Financial Institutions, Inc. keeps $31 of every $100 of revenue as net profit.
Questions
What is Financial Institutions, Inc.'s P/E ratio?
Investors pay $10.1 for every $1 of Financial Institutions, Inc.'s yearly profit, lower than 78% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Financial Institutions, Inc.: $802 M ÷ $643 M (30 Jun 2026) = 1.2.
What is Financial Institutions, Inc.'s return on equity?
Financial Institutions, Inc. earned 13.3% on its shareholders' money over the last year, higher than 69% of Financial Services companies in United States.
How much does Financial Institutions, Inc. owe compared with what it owns?
Financial Institutions, Inc. owes $0.90 for every $1 it owns (high), higher than 80% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Financial Institutions, Inc. pay a dividend?
Yes. Financial Institutions, Inc. pays 3.21% of its share price as dividends a year, higher than 58% of dividend-paying Financial Services companies in United States.
Is Financial Institutions, Inc.'s revenue growing?
Revenue rose 113% in the year to Dec 2025, and grew 5% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.