What is Financial Institutions's net margin?

Financial Institutions (FISI) reported net margin of 31.5% in Q1 2026.

What is the long-term trend for Financial Institutions's net margin?

Over 4 years (2020 to 2025), Financial Institutions's net margin has grown at a 9.8% compound annual growth rate (CAGR), from 21% to 30.6%.

What does net margin mean?

Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.

Financial Institutions FISI Net margin

Net margin at other companies

M&T BankMTB

29.8%+1.5pp

KeyCorpKEY

25.4%+24.9pp

Capital City Bank GroupCCBG

23.7%-0.1pp

SMB

SmartFinancialSMBK

25.4%+4.1pp

Farmers National Banc CorpFMNB

19.6%-4.9pp

First Mid Bancshares, Inc.FMBH

26.5%+2.0pp

Other financials

Income statement

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Revenue$62.7M+9.5%

Net income$21.0M+24.3%

EPS (diluted)$1.04+28.4%

Balance sheet

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Cash & equivalents$85.5M-48.9%

Total debt$224.6M+5.7%

Total equity$631.7M+7.1%

Total assets$6.3B-0.7%

Cash flow

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Operating cash flow$23.7M+137%

CapEx$650.0K-20.3%

Free cash flow$23.0M+151%

Valuation

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Market cap$761.27M+53.9%

Enterprise value$900.46M+66.8%

P/E9.6×—

P/S3×—

Profitability

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FCF margin33%-35.0pp

Returns & leverage

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Return on equity12.9%+10.1pp

Debt / equity0.4×0.0×

Where this comes from

Calculated from Financial Institutions’s reported figures.

net income/total revenue=31.5%

Based on trailing twelve months.

The official record: Financial Institutions’s 10-Q, filed May 4, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Financial Institutions's net margin?: Financial Institutions (FISI) reported net margin of 31.5% in Q1 2026.
What is the long-term trend for Financial Institutions's net margin?: Over 4 years (2020 to 2025), Financial Institutions's net margin has grown at a 9.8% compound annual growth rate (CAGR), from 21% to 30.6%.
What does net margin mean?: Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.