OakChart

Financial Institutions Inc

FISIFinancial·Banks - Regional·USA·Small·NASD·Nov 11 • 3:59 PM ET

39.90-0.07 (-0.18%)
2026-11-12 00:34 CET
Market cap
780.25 USD m
Revenue, TTM
- USD m
Net income, TTM
80.68 USD m
Free cash flow, TTM
96.28 USD m
EPS diluted, TTM
4.03
P/E
9.90
Compare

Price

FISI against its 20, 50 and 200-day averages
2050200beatmiss
30.0035.0040.00463K927KVolumeMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26FISIclose 39.9020-day 40.0450-day 40.02200-day 37.0439.9052w high

7.1% under the 52-week high of 42.97 on 3 Aug 2026. 52-week low 28.21 on 18 Nov 2025. Last 15 sessions, 8.4% high to low

Volume 0.45× normal · the line is the 50-bar volume average

Profile

FISI
52-week range, 79% of the way up
28.2142.97

Financial Institutions, Inc. is a holding company, which engages in the provision of financial services. It operates through the following segments: Banking, Non-Banking, and Holding Company and Other. The Banking segment includes retail and commercial banking operations. The Non-Banking segment consists of the activities of SDN, a full-service insurance agency that offers insurance services to both personal and business clients, and Courier Capital, an investment advisor and wealth management firm that delivers customized investment management, investment consulting, and retirement plan services to individuals, businesses, institutions, foundations, and retirement plans. The company was founded in 1931 and is headquartered in Warsaw, NY.

IndexRUT
Employees631
IPOJun 25, 1999
Beta0.63
ATR, 14d0.99
Rel volume0.45
Short float3.62%
Insider own2.58%
Inst own82.50%

Snapshot

6 groups

Valuation

IndexRUT
Market Cap782.08M
Enterprise Value-
Income80.68M
Sales376.04M
Book/sh30.82
Cash/sh-
Dividend Est.1.28 (3.21%)
Dividend TTM1.27 (3.18%)
Dividend Ex-DateSep 15, 2026
Dividend Gr. 3/5Y2.25% 3.58%
Payout34.32%
Employees631
IPOJun 25, 1999

Ratios

P/E9.90
Forward P/E9.23
PEG1.15
P/S2.08
P/B1.29
P/C-
P/FCF8.12
EV/EBITDA-
EV/Sales-
Quick Ratio-
Current Ratio0.07
Debt/Eq0.45
LT Debt/Eq0.18
Option/ShortYes / Yes

Earnings

EPS (ttm)4.03
EPS next Y4.33
EPS next Q1.04
EPS this Y13.71%
EPS next Y5.36%
EPS next 5Y8.02%
EPS past 3/5Y0.47% 9.50%
Sales past 3/5Y16.07% 13.47%
EPS Y/Y TTM270.80%
Sales Y/Y TTM41.75%
EPS Q/Q-0.29%
Sales Q/Q0.23%
EarningsOct 29 AMC
EPS/Sales Surpr.-5.71% -2.71%

Ownership

Insider Own2.58%
Insider Trans0.31%
Inst Own82.50%
Inst Trans1.51%
ROA1.28%
ROE13.24%
ROIC11.28%
Gross Margin-
Oper. Margin26.12%
Profit Margin21.46%
SMA20-0.34%
SMA50-0.30%
SMA2007.73%
Trades-

Technical

Shs Outstand19.52M
Shs Float19.02M
Short Float3.62%
Short Ratio5.29
Short Interest0.69M
52W High42.97 -7.14%
52W Low28.21 41.44%
Volatility2.65% 2.26%
ATR (14)0.99
RSI (14)49.58
Beta0.63
Rel Volume0.45
Avg Volume130.20K
Volume58,388

Performance

Perf Week-1.34%
Perf Month2.84%
Perf Quarter-4.75%
Perf Half Y16.53%
Perf YTD28.01%
Perf Year34.34%
Perf 3Y144.94%
Perf 5Y19.46%
Perf 10Y35.71%
Recom2.00
Target Price44.50
Prev Close39.97
Price39.90
Change %-0.18%

Analyst ratings

latest 10 of 12
DateActionAnalystRating changeTargetImplied
Feb 03, 2025UpgradeKKeefe BruyetteMkt Perform → Outperform$29 → $34-14.8%
Dec 20, 2024InitiatedPPiper SandlerOverweight$33-17.3%
Mar 25, 2024DowngradePPiper SandlerOverweight → Neutral$23 → $19-52.4%
Jul 13, 2023InitiatedSStephensEqual-Weight$20-49.9%
Oct 31, 2022DowngradeHHovde GroupOutperform → Market Perform$33 → $29-27.3%
Oct 30, 2020UpgradeSSidotiNeutral → Buy$25-37.3%
Jul 31, 2020InitiatedSSidotiNeutral
Mar 20, 2017InitiatedHHovde GroupOutperform$37-7.3%
Feb 26, 2016DowngradePPiper JaffrayOverweight → Neutral
Sep 16, 2015InitiatedPPiper JaffrayOverweight

Peers

Mkt cap
TickerCompanyMkt cap
TMPTompkins Financial Corp1.44B
AROWArrow Financial Corp715.83M
CHMGChemung Financial Corp414.18M
TRSTTrustco Bank Corp957.29M
CBUCommunity Financial System Inc3.39B
NBTBNBT Bancorp Inc2.74B
NWBINorthwest Bancshares Inc2.23B
OBTOrange County Bancorp Inc534.43M
PBFSPioneer Bancorp Inc455.23M
KRNYKearny Financial Corp601.89M

Insider trading

3 filings
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
DORN ANDREW W JRDirectorNov 02 '26Buy40.111,57563,17340,641Nov 03 04:05 PM
JONES BLAKE GChief Marketing OfficerSep 25 '26Option Exercise0.001,00001,000Sep 28 04:05 PM
Plants William Jack IIChief Financial OfficerMar 12 '26Buy30.1266019,8796,159Mar 12 04:05 PM

Held by

AUM
TickerCompanyAUM
VTIVanguard Morningstar Total Stock Market ETFAUM: 687.42B
IWMiShares Russell 2000 Index FundAUM: 77.38B
AVUVAvantis U.S. Small Cap Value ETFAUM: 32.39B
DFSVUS Small Cap Value Portfolio ETF Class SharesAUM: 8.52B
KREState Street SPDR S&P Regional Banking ETFAUM: 4.43B
DFATU.S. Targeted Value Portfolio-ETF Class SharesAUM: 14.47B
VXFVanguard Extended Market Index ETFAUM: 30.47B
IWNiShares Russell 2000 Value ETFAUM: 14.10B
DFASU.S. Small Cap Portfolio-ETF Class SharesAUM: 15.51B
VTWOVanguard Russell 2000 Index ETFAUM: 16.75B

News

latest 14 of 200

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2026Q32026-10-290.9901.0500.99064.7566.552
2026Q22026-07-231.0400.9301.04464.3263.542
2026Q12026-04-231.0400.9201.03562.6762.762
2025Q42026-01-290.9600.9450.96464.1262.992
2025Q32025-10-230.9900.8800.98963.8560.461
2025Q22025-07-240.8500.8300.84659.7459.861
2025Q12025-04-280.8100.7400.81457.2457.562
2024Q42025-01-300.5700.560-5.06748.3451.853
2024Q32024-10-240.8400.7600.83850.1251.352
2024Q22024-07-251.6200.6001.62465.2149.422
2024Q12024-04-250.1100.6180.11050.9850.104
2023Q42024-01-250.6100.7150.60755.2550.594
2023Q32023-10-260.8800.8350.88352.1653.334
2023Q22023-07-270.9100.7480.90953.8052.534
2023Q12023-04-260.7600.8100.76052.7454.273
2022Q42023-01-300.7830.8130.76154.0953.923

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2017FY1.9061.9502.126147.35144.83
2018FY2.5702.5742.386159.34158.55
2019FY2.8232.7502.957170.29169.14
2020FY2.3002.1802.295182.16185.77
2021FY4.7804.5604.784201.64202.56
2022FY3.6653.6733.562213.64212.65
2023FY3.1503.2483.154213.96209.3
2024FY3.4903.453-2.749203.81204.63
2025FY3.6103.5703.610244.94243.68
2026FY-4.105--258.55
2027FY-4.325--271.86
2028FY-4.550--282.46

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2026Q4S2026-11-0620166.7466.4667.02
2026Q4S2026-10-3020067.1666.4667.86
2026Q4S2026-10-2920067.2766.6867.86
2026Q4S2026-10-0720067.2766.6867.86
2026Q4S2026-07-3121067.2766.6867.86
2026Q4S2026-07-2421067.0366.6867.38
2026Q4S2026-05-0120066.7066.0167.38
2026Q4S2026-04-2420066.5466.0167.07
2026Q4S2026-01-3020066.8566.6367.07
2026Q4S2026-01-0720066.7766.7166.83
2026Q4S2025-12-1621066.7766.7166.83
2026Q4S2025-11-1111066.7166.7166.71
2026Q4S2025-11-1011066.7166.7166.71
2026Q4S2025-11-0911066.7166.7166.71

Estimate history

EPS, annual2.1262.3862.9572.2954.7843.5623.154-2.7493.6134.0293
Period201720182019202020212022202320242025TTM
EPS, quarterly0.838-5.0670.8140.8460.9890.9641.0351.0440.986
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Sales, annual163.53187.035206.555198.85209.335239.166331.244263.442373.996376.04
Period201720182019202020212022202320242025TTM
Sales, quarterly86.739-13.71790.75992.83895.40894.99191.77393.65295.628
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Shares, annual15.92515.92916.00316.04215.74515.3415.40720.07719.79719.521
Period201720182019202020212022202320242025MRQ
Shares, quarterly15.47420.07720.1120.12820.1319.79719.68619.70619.521
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26

Income statement, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Interest Income334.29332.99313.23286.13196.11167.21161.30168.80152.73
Total Interest Expense122.44133.00149.64120.4228.7312.4722.3138.8929.87
Net Interest Income211.86199.99163.59165.72167.37154.73138.99129.91122.86
Loan Loss Provision12.6311.636.1513.6813.31-8.3427.188.048.93
Net Interest Income After Loan Loss Provision199.23188.36157.44152.03154.06163.07111.80121.87113.93
Non-Interest Income41.7541.01-49.7945.1143.0642.1337.5537.7634.30
Non-Interest Expense142.77139.41155.12135.76125.82109.94102.24100.5597.55
Operating Income98.2189.95-47.4761.3871.3095.2547.1159.0750.68
Unusual Expense0.000.0023.060.111.620.111.490.002.35
Net Income Before Taxes98.4891.35-68.1563.0570.9797.2245.7259.4249.53
Income Taxes16.3416.49-26.5012.7914.4019.527.3910.5610.01
Consolidated Net Income82.1474.87-41.6550.2656.5777.7038.3348.8639.53
Net Income From Continuing Operations82.1474.87-41.6550.2656.5777.7038.3348.8639.53
Net Income80.6873.41-43.1048.8055.1176.2436.8747.4038.06
EPS (Recurring)4.053.61-1.723.163.644.792.362.962.49
EPS (Basic, Before Extraordinaries)4.083.65-2.753.173.584.812.302.972.39
EPS (Diluted)4.033.61-2.753.153.564.782.302.962.39
Non-Operating Income (Expense)0.271.402.381.781.292.080.100.351.20
Other After Tax Adjustments0.000.000.000.000.000.000.000.000.00
Stock Option Compensation Expense2.632.571.211.232.061.381.056.491.03
Price To Earnings Ratio9.929.928.596.436.086.659.8010.8610.77
Price To Sales Ratio2.061.691.621.001.582.421.822.492.19
Operating Margin26.1224.05-18.0218.5329.8145.5023.6928.6027.10
Net Margin21.4619.63-16.3614.7323.0436.4218.5422.9520.35
Shares Outstanding19.5219.8020.0815.4115.3415.7516.0416.0015.93
Market Capitalization780.25780.25531.46328.08373.56503.64360.86513.54409.27

Income statement, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q4
Interest Income85.0083.0881.5684.6584.4282.8781.0578.12
Total Interest Expense30.7129.7129.5732.4432.6333.7434.1936.49
Net Interest Income54.2953.3651.9952.2151.7949.1246.8641.63
Loan Loss Provision3.883.112.243.402.732.562.936.46
Net Interest Income After Loan Loss Provision50.4150.2549.7548.8149.0646.5643.9435.17
Non-Interest Income10.6210.5810.2110.3410.999.979.71-91.84
Non-Interest Expense36.7235.0935.3635.6135.0335.3433.3736.38
Operating Income24.3225.7424.6123.5425.0221.1920.28-93.05
Unusual Expense0.000.000.000.000.000.000.0723.06
Net Income Before Taxes24.0525.6024.8324.0025.2421.5020.62-115.27
Income Taxes4.064.423.854.024.763.963.75-32.46
Consolidated Net Income19.9921.1820.9819.9820.4817.5316.88-82.81
Net Income From Continuing Operations19.9921.1820.9819.9820.4817.5316.88-82.81
Net Income19.6320.8220.6219.6220.1117.1716.51-83.18
EPS (Recurring)0.991.041.040.960.990.850.82-4.08
EPS (Basic, Before Extraordinaries)1.001.061.050.981.000.850.82-5.07
EPS (Diluted)0.991.041.040.960.990.850.81-5.07
Non-Operating Income (Expense)-0.27-0.140.220.460.220.310.410.84
Other After Tax Adjustments0.000.000.000.000.000.000.000.00
Stock Option Compensation Expense0.751.270.250.360.760.950.51-
Price To Earnings Ratio9.9210.168.78----8.59
Price To Sales Ratio2.062.071.681.702.092.031.911.70
Operating Margin25.4327.4926.8124.7826.2222.8222.34678.34
Net Margin20.5222.2322.4720.6521.0818.4918.19606.37
Shares Outstanding19.5219.7119.6919.8020.1320.1320.1120.08
Market Capitalization780.25767.18622.60627.47547.53516.42501.14531.46

Balance sheet, annual

Currency USD, millions
Metric2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY
Cash & Due from Banks57.1454.96124.44130.4779.1193.88112.95102.7599.19
Investments1,112.911,126.141,098.171,217.841,422.21952.70808.33925.331,071.89
Net Loans4,610.484,431.164,411.064,005.043,639.763,542.723,190.513,052.682,700.34
Investment in Unconsolidated Affiliates84.8190.2685.1568.4766.9142.2724.1010.505.70
Customer Liability on Acceptances0.000.000.000.000.000.000.000.000.00
Real Estate Assets0.090.060.140.020.002.970.470.230.15
Net Property, Plant & Equipment68.9670.2371.4373.1162.1860.5762.7942.8445.19
Interest Receivables25.1023.7524.4819.3715.4815.6311.3111.9910.78
Deferred Tax Assets57.3376.7966.1971.1021.7423.4811.5215.0312.58
Other Intangible Assets480.38259.63297.28229.54228.89195.40169.36157.51171.97
Total Assets6,288.876,132.996,178.345,814.945,536.294,929.614,391.324,318.874,117.79
Total Deposits5,206.355,104.735,212.914,929.424,827.094,278.373,555.683,366.913,210.17
Total Debt334.23256.61343.32312.45127.78100.43337.57508.70485.33
Long Term Debt222.16154.68155.34104.5395.5692.7159.5539.2039.13
Provision for Risks Charges28.5027.103.604.101.803.100.000.000.00
Deferred Tax Liabilities14.7315.9017.4517.6715.5117.317.147.1718.36
Other Liabilities76.21159.66146.25145.6958.9762.0551.9839.8022.75
Total Liabilities5,660.025,564.005,723.545,409.345,031.154,461.253,952.373,922.583,736.61
Preferred Stock - Carrying Value17.2917.2917.2917.2917.2917.3317.3317.3317.33
Common Equity611.57551.70437.50388.31487.85451.04421.62378.96363.85
Total Shareholders Equity628.85568.98454.80405.61505.14468.36438.95396.29381.18
Accumulated Minority Interest0.000.000.000.000.000.000.000.000.00
Total Equity628.85568.98454.80405.61505.14468.36438.95396.29381.18
Total Liabilities & Stockholders Equity6,288.876,132.996,178.345,814.945,536.294,929.614,391.324,318.874,117.79
Book Value Per Share30.8927.4828.4025.3130.9828.1226.3523.7922.85
Tangible Book Value Per Share27.8424.4523.6920.5326.2623.5221.6619.0118.16
Tier 1 Capital604.88565.60509.41478.85455.14407.06381.47344.28322.68
Tier 2 Capital183.54124.11123.45115.12103.85114.1369.7573.1273.80
Full-Time Employees631598624672625613722725656
Price to Book Ratio1.300.870.840.991.030.801.221.081.39
Return on Assets1.21-0.680.841.001.480.821.120.940.86
Return on Equity12.50-8.1411.6812.4215.968.4511.7010.179.56
Return on Invested Capital8.80-5.758.2411.0912.936.839.809.087.98
Current Ratio0.040.030.050.040.030.040.050.040.04

Cash flow, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Funds from Operations98.7490.0243.7066.7474.4083.4566.3964.1548.05
Extraordinary Item0.000.000.000.000.000.000.000.000.00
Changes in Working Capital2.96-70.8733.72-55.5952.30-11.55-26.72-6.2916.44
Cash from Operating Activities101.7019.1577.4211.15126.6971.9139.6857.8664.49
Capital Expenditures-5.63-77.82-5.00-56.65-43.93-29.46-34.31-3.71-2.88
Net Assets From Acquisitions0.000.000.000.000.00-1.420.000.00-4.45
Sale of Fixed Assets and Businesses0.000.000.000.000.000.000.000.000.00
Purchase or Sale of Investments-38.3953.28-4.48122.9169.50-516.00-106.34124.77143.24
Purchase of Investments-584.58-328.06-905.85-54.62-113.82-802.49-404.22-219.15-72.94
Sale Or Maturity of Investments546.19381.34901.37177.53183.32286.49297.88343.93216.18
Other Uses0.000.000.000.000.000.000.000.000.00
Other Sources0.1074.0627.0043.8825.523.510.520.360.59
Cash from Investing Activities-326.20-140.39-8.52-310.34-318.28-632.37-527.29-24.88-224.76
Cash Dividends Paid-26.52-26.17-19.97-19.75-19.05-18.45-17.96-17.26-16.41
Change in Capital Stock-24.81-11.42108.14-0.57-15.34-9.28-0.21-0.29-0.79
Repurchase of Common Pref Stock-24.81-11.42-0.43-0.57-15.34-9.28-0.21-0.29-1.11
Sale of Common Pref Stock0.000.00108.570.000.000.000.000.000.32
Proceedsfrom Stock Options0.000.00108.570.000.000.000.000.000.00
Issuance or Reduction of Debt, Net75.6478.64-86.0030.00175.0024.70-235.98-194.0023.30
Change in Long Term Debt-36.3668.640.0050.000.000.0034.220.000.00
Issuance of Long Term Debt78.6478.640.0050.000.000.0034.220.000.00
Reduction of Long Term Debt-115.00-10.000.000.000.000.000.000.000.00
Net Financing Active Other Cash Flow0.000.000.000.000.000.000.000.000.00
Other Financing Activities Uses--0.00-0.000.00-0.000.00
Cash from Financing Activities141.44142.67-106.02293.17242.94545.69468.55-22.79162.83
Net Change in Cash-83.0621.43-37.12-6.0251.35-14.77-19.0710.193.56
Free Cash Flow96.2813.6072.448.16118.3362.5135.4154.2261.65
Preferred Dividends (Cash Flow)--1.46-1.46-1.46-1.46-1.46-1.46-1.46-1.46
Price to Free Cash Flow11.12-8.16-3.8011.5020.7013.929.06
Federal Home Loan Advances Increase (Decrease)-0.000.000.000.000.000.000.000.00

Balance sheet, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Cash & Due from Banks65.0559.5556.2857.1489.0072.19
Investments1,139.531,084.241,163.491,112.911,159.821,084.03
Net Loans4,807.814,705.474,582.934,610.484,543.134,488.71
Investment in Unconsolidated Affiliates52.8855.5058.1884.8163.3866.08
Net Property, Plant & Equipment67.4767.3867.9068.9668.8669.46
Interest Receivables26.3225.4625.4925.1025.7424.93
Deferred Tax Assets51.4842.4543.1457.3349.6556.46
Other Intangible Assets292.83294.35296.82480.38288.34281.76
Total Assets6,506.926,334.956,294.786,288.876,288.056,143.77
Total Deposits5,474.945,299.475,337.885,206.355,357.815,156.01
Total Debt277.22292.57224.64334.23202.15248.15
Long Term Debt109.41108.97108.28222.16146.40145.67
Provision for Risks Charges3.704.405.4028.504.603.90
Deferred Tax Liabilities---14.73--
Other Liabilities132.0795.0795.1976.21101.77134.03
Total Liabilities5,887.925,691.515,663.115,660.025,666.335,542.10
Preferred Stock - Carrying Value17.2917.2917.2917.2917.2917.29
Common Equity601.71626.16614.38611.57604.43584.38
Total Shareholders Equity619.00643.44631.67628.85621.72601.67
Accumulated Minority Interest0.000.000.000.000.000.00
Total Equity619.00643.44631.67628.85621.72601.67
Total Liabilities & Stockholders Equity6,506.926,334.956,294.786,288.876,288.056,143.77
Book Value Per Share30.8231.7731.2130.8930.0329.03
Tangible Book Value Per Share27.7528.7228.1527.8427.0226.03
Tier 1 Capital636.38629.60613.65604.88600.82586.08
Tier 2 Capital130.48130.55-183.54110.89110.18
Full-Time Employees---631--
Price to Book Ratio1.301.251.031.040.940.90
Return on Assets1.281.321.251.21-0.45-0.57
Return on Equity13.2413.2712.9312.50-4.98-6.53
Return on Invested Capital2.742.822.842.352.672.35
Current Ratio0.070.070.060.040.120.07

Cash flow, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Funds from Operations23.9622.9125.2726.6025.6318.94
Extraordinary Item0.000.000.000.000.000.00
Changes in Working Capital9.63-0.25-1.58-4.85-32.33-22.84
Cash from Operating Activities33.5922.6623.6921.75-6.70-3.90
Capital Expenditures-1.79-0.85-0.67-2.31-0.20-1.52
Net Assets From Acquisitions0.000.000.000.000.000.00
Sale of Fixed Assets and Businesses0.000.000.000.000.000.00
Purchase or Sale of Investments-63.5895.72-80.319.797.3133.22
Purchase of Investments-128.03-115.10-153.72-187.74-44.84-78.36
Sale Or Maturity of Investments64.44210.8173.40197.5352.15111.59
Other Uses0.000.000.000.000.000.00
Other Sources0.000.000.000.100.0073.96
Cash from Investing Activities-175.98-31.81-55.79-62.62-49.55117.06
Cash Dividends Paid-6.67-6.64-6.60-6.60-6.60-6.59
Change in Capital Stock-7.71-0.07-6.13-10.90-0.030.00
Repurchase of Common Pref Stock-7.71-0.07-6.13-10.90-0.030.00
Sale of Common Pref Stock0.000.000.000.000.000.00
Proceedsfrom Stock Options0.000.000.000.000.000.00
Issuance or Reduction of Debt, Net-15.0068.00-110.00132.64-46.0036.00
Change in Long Term Debt0.000.00-115.0078.640.00-10.00
Issuance of Long Term Debt0.000.000.0078.640.000.00
Reduction of Long Term Debt0.000.00-115.000.000.00-10.00
Net Financing Active Other Cash Flow0.000.000.000.000.000.00
Other Financing Activities Uses0.000.000.00-0.000.00
Cash from Financing Activities146.0922.888.80-36.33149.16-187.48
Net Change in Cash3.7113.72-23.30-77.1992.91-74.32
Free Cash Flow31.8021.8123.0419.63-7.72-5.49
Price to Free Cash Flow11.1225.64205.98--108.60

Revenue breakdown

United States2024: 116.91M 2025: 244.94M
Total National Commercial Banks revenue2024: 116.91M 2025: 244.94M

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-303.62%0.7M19.0M131.75K
2026-10-153.87%0.7M19.2M141.40K
2026-09-304.14%0.8M19.2M148.09K
2026-09-153.47%0.7M19.2M170.20K
2026-08-312.89%0.6M19.2M175.02K
2026-08-142.65%0.5M19.2M163.64K
2026-07-312.53%0.5M19.2M155.20K
2026-07-152.83%0.5M19.2M144.55K
2026-06-302.60%0.5M19.2M140.21K
2026-06-152.89%0.6M19.2M114.77K
2026-05-293.30%0.6M19.2M111.84K
2026-05-152.98%0.6M19.2M127.03K
2026-04-302.96%0.6M19.2M153.09K
2026-04-152.88%0.6M19.2M158.62K
2026-03-312.94%0.6M19.1M160.59K
2026-03-132.81%0.5M19.1M163.32K
2026-02-272.06%0.4M19.6M158.07K
2026-02-131.84%0.4M19.6M146.08K
2026-01-301.94%0.4M19.5M124.81K
2026-01-152.26%0.4M19.5M131.34K

Option chain

expiry 2026-11-20
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
call22.5015.4020.000.004.7030.000.000.966-0.0560.005
call25.0012.9017.500.004.0770.000.000.855-0.3180.014
call30.008.0012.500.002.9820.000.000.803-0.2830.017
call35.003.107.500.002.0100.000.000.719-0.2320.021
call40.000.004.901.852.0046.000.000.542-0.2100.025
call45.000.003.200.402.0481.000.000.414-0.2800.024
call50.000.004.900.002.5880.000.000.360-0.3400.023
call55.000.004.900.003.0250.000.000.328-0.3830.022
call60.000.004.900.003.3970.000.000.306-0.4180.022
put22.500.000.200.003.3300.000.00-0.092-0.1840.011
put25.000.004.900.004.0000.000.00-0.144-0.3180.014
put30.000.004.900.002.9230.000.00-0.196-0.2830.017
put35.000.004.900.001.9630.000.00-0.280-0.2310.021
put40.000.002.500.000.9910.000.00-0.457-0.2090.025
put45.003.007.000.001.5040.000.00-0.586-0.2790.024
put50.008.0012.000.002.0130.000.00-0.639-0.3380.023
put55.0013.0016.700.002.2720.000.00-0.672-0.3810.022
put60.0018.0021.700.002.6150.000.00-0.693-0.4150.022

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-0910-QQuarterly report pursuant to Section 13 or 15(d)2026-09-30SEC
2026-11-034Statement of changes in beneficial ownership of securities2026-11-02SEC
2026-10-298-KCurrent report2026-09-30SEC
2026-09-284Statement of changes in beneficial ownership of securities2026-09-25SEC
2026-09-088-KCurrent report2026-09-08SEC
2026-09-034Statement of changes in beneficial ownership of securities2026-09-02SEC
2026-08-268-KCurrent report2026-08-26SEC
2026-08-0310-QQuarterly report pursuant to Section 13 or 15(d)2026-06-30SEC
2026-07-28SCHEDULE 13G/ASEC
2026-07-238-KCurrent report2026-06-30SEC
2026-07-14SCHEDULE 13GSEC
2026-06-1811-KAnnual reports of employee stock purchase, savings and similar plans pursuant to Section 15(d)2025-12-31SEC
2026-05-214Statement of changes in beneficial ownership of securities2026-05-20SEC
2026-05-213Initial statement of beneficial ownership of securities2026-05-20SEC
2026-05-214Statement of changes in beneficial ownership of securities2026-05-20SEC
2026-05-214Statement of changes in beneficial ownership of securities2026-05-20SEC
2026-05-214Statement of changes in beneficial ownership of securities2026-05-20SEC
2026-05-213Initial statement of beneficial ownership of securities2026-05-20SEC
2026-05-214Statement of changes in beneficial ownership of securities2026-05-20SEC
2026-05-214Statement of changes in beneficial ownership of securities2026-05-20SEC
2026-05-214Statement of changes in beneficial ownership of securities2026-05-20SEC
2026-05-214Statement of changes in beneficial ownership of securities2026-05-20SEC
2026-05-214Statement of changes in beneficial ownership of securities2026-05-20SEC
2026-05-214Statement of changes in beneficial ownership of securities2026-05-20SEC
2026-05-214Statement of changes in beneficial ownership of securities2026-05-20SEC
2026-05-214Statement of changes in beneficial ownership of securities2026-05-20SEC
2026-05-218-KCurrent report2026-05-20SEC
2026-05-208-KCurrent report2026-05-20SEC
2026-05-15SCHEDULE 13G/ASEC
2026-05-0410-QQuarterly report pursuant to Section 13 or 15(d)2026-03-31SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-1163.17K100
2026-100000
2026-090000
2026-080000
2026-070000
2026-060000
2026-050000
2026-040000
2026-0319.88K100
2026-020000
2026-010000
2025-120000
2025-110000

Institutional holders

Manager% owned
PL Capital Advisors, LLC9.22%
BlackRock, Inc.8.47%
DIMENSIONAL FUND ADVISORS LP5.32%
VANGUARD CAPITAL MANAGEMENT LLC4.27%
ADAGE CAPITAL PARTNERS GP, L.L.C.4.24%
ACADIAN ASSET MANAGEMENT LLC3.22%
GEODE CAPITAL MANAGEMENT, LLC3.20%
STATE STREET CORP3.01%
Ategra Capital Management, LLC2.87%
TWO SIGMA INVESTMENTS, LP2.32%

Funds

Fund% owned
Angel Oak Financial Strategies Income Term Trust38.57%
VANGUARD TOTAL STOCK MARKET INDEX FUND3.02%
iShares Russell 2000 ETF2.92%
Avantis U.S. Small Cap Value ETF1.86%
VANGUARD EXTENDED MARKET INDEX FUND1.15%
Fidelity Small Cap Index Fund1.11%
ProShares Russell 2000 Dividend Growers ETF1.03%
U.S. SMALL CAP VALUE PORTFOLIO1.01%
iShares Russell 2000 Value ETF1.00%
State Street(R) SPDR(R) S&P(R) Regional Banking ETF0.79%

OakChart. FISI. Cached 15 minutes.