Financial Institutions, Inc. (FISI) compounding analysis
Full-size annual and quarterly year-over-year growth charts for revenue, EPS, operating cash flow, EBITDA, and free cash flow against the 15%, 20%, and 30% bars over 3-, 5-, and 10-year windows, with each metric's valuation multiple vs its own history.
Revenue · 10YDoes not currently clear the 15%+, 20%+, or 30%+ revenue bars over 10Y.
- Score
- 14/100
- 10Y CAGR
- 10.8%
- Median YoY
- 10.7%
- YoY volatility
- σ 24.7pp· choppy
- Quarters ≥ 20%
- 7 of 40
- Negative quarters
- 7
- Valuation vs own 10Y history
- Latest historical P/S 2.5x · 10Y median 2.2x · 75th percentile · as of Oct 6, 2026
How this score is computed
- Quarters at or above 20%: 7 of 40 → 7 of 40 pts
- Includes 1 quarter with no comparable year-ago base (a loss or near-zero quarter a year earlier), counted as below the bar
- Steadiness (typical swing 24.7pp) → 7.4 of 25 pts
- Pace (median 10.7% YoY) → 0 of 20 pts
- Latest quarter (-67.2% YoY) → 0 of 15 pts
- Score: 14 of 100
Annualized revenue (TTM) · by quarter, last 40
Quarterly YoY revenue growth vs the 20% line
P/S multiple vs its 10Y median
Across metrics · 10Y
| Metric | 10Y CAGR | Median YoY | YoY σ | Qtrs ≥ 20% | Neg. qtrs |
|---|---|---|---|---|---|
| RevenueRevenue | 10.8% | 10.7% | 24.7pp | 7 of 40 | 7 |
| EPSEPS | 6.6% | 0% | 45.7pp | 13 of 40 | 18 |
| Op cash flowOperating cash flow | -8% | 9.2% | 68.2pp | 15 of 40 | 18 |
| EBITDAEBITDA | 8.4% | -0.1% | 46.6pp | 12 of 40 | 20 |
| FCFFree cash flow | -9.4% | 5.5% | 69.5pp | 16 of 37 | 17 |
Reported figures over 10Y: annual-series CAGR, median and standard deviation (σ, percentage points) of quarterly year-over-year growth, quarters at or above 20%, and quarters with negative YoY. “—” means the window needs more comparable data.
Scores, qualification bars, and the 0–100 consistency methodology are documented on the compounders list page →
See also: FISI on the compounders surface · All compounders, ranked