FISI PEER ANALYSIS

Financial Institutions Inc — metric-by-metric comparison with peers and the industry median

FISIFinancial Institutions Inc

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

FISIIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	FISI	NWG	TSKB	LLOY	SKBNK	LB	Ind. Median
P/E	9.71	9.10	2.96●	13.24	21.63	116.70	12.88
P/B	1.21	1.40	0.71	1.39	3.42	0.68●	1.28
EV/EBITDA	7.94	-8.48●	2.20	14.73	2.96	306.43	9.31
P/S	—	—	—	—	—	—	—

Financial Health
Metric	FISI	NWG	TSKB	LLOY	SKBNK	LB	Ind. Median
Current Ratio	0.04	0.25●	—	0.12	—	0.01	0.31
Debt/Equity	35.6%	17.0%	0.0%●	209.8%	0.0%●	744.5%	38.0%
NetDebt/EBITDA	0.39	-14.68●	-0.47	5.39	-13.41	280.57	-0.58

Profitability
Metric	FISI	NWG	TSKB	LLOY	SKBNK	LB	Ind. Median
Net Margin	20.9%	20.1%	54.9%●	25.9%	14.2%	1.4%	20.6%
ROE	12.9%	14.9%	27.4%●	10.6%	17.5%	1.0%	10.9%
ROA	1.3%	0.8%	3.7%●	0.5%	1.2%	0.1%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	FISI	NWG	TSKB	LLOY	SKBNK	LB	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	—	16.0%	-1.3%	16.2%●	8.1%	-80.9%	19.4%
Div. Yield	3.1%	4.8%●	—	3.2%	—	4.7%	2.5%
Payout	33.4%	—	—	—	—	335.1%	31.4%

Valuation
Metric	FISI	SHBI	ALRS	ORRF	SMBK	IBCP	Ind. Median
P/E	9.71	12.03	29.09	9.27●	14.98	10.64	12.88
P/B	1.21●	1.25	1.37	1.30	1.41	1.46	1.28
EV/EBITDA	7.94	8.29	17.63	0.42	-0.08●	8.33	9.31
P/S	—	—	—	—	—	—	—

Financial Health
Metric	FISI	SHBI	ALRS	ORRF	SMBK	IBCP	Ind. Median
Current Ratio	0.04	42.84	0.75	52.80	1.03	61.78●	0.31
Debt/Equity	35.6%	16.5%	52.5%	43.6%	18.1%	14.5%●	38.0%
NetDebt/EBITDA	0.39	0.57	3.17	-6.07	-11.24●	0.28	-0.58

Profitability
Metric	FISI	SHBI	ALRS	ORRF	SMBK	IBCP	Ind. Median
Net Margin	20.9%	18.2%	8.2%	23.7%●	16.3%	22.5%	20.6%
ROE	12.9%	10.9%	5.0%	14.9%●	9.9%	14.3%	10.9%
ROA	1.3%	1.0%	0.5%	1.5%●	0.9%	1.3%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	FISI	SHBI	ALRS	ORRF	SMBK	IBCP	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	—	27.0%	9.9%	168.0%●	38.7%	5.2%	19.4%
Div. Yield	3.1%●	2.1%	2.7%	2.6%	0.7%	2.9%	2.5%
Payout	33.4%	25.6%	76.9%	25.4%	10.3%	31.4%	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 7, 26. This content is for informational purposes only and is not investment advice.