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An announcement from Financial Institutions ( (FISI) ) is now available.
On December 11, 2025, Financial Institutions, Inc. completed a private placement of $80 million in subordinated notes due 2035, with a fixed-to-floating interest rate structure. The proceeds will be used to redeem $65 million of higher-interest outstanding debt and for general corporate purposes. This strategic move is expected to temporarily elevate the company’s Total Risk-Based Capital ratio by approximately 150 basis points at year-end, reflecting improved profitability and capital position. The notes received a BBB- rating from Kroll Bond Rating Agency, indicating a stable long-term outlook for the company.
The most recent analyst rating on (FISI) stock is a Hold with a $33.00 price target. To see the full list of analyst forecasts on Financial Institutions stock, see the FISI Stock Forecast page.
Spark’s Take on FISI Stock
According to Spark, TipRanks’ AI Analyst, FISI is a Neutral.
The overall score reflects a mix of challenges and strengths. Financial performance is a concern with declining revenue and profitability, but technical indicators show positive momentum. The earnings call provided optimism with strong results and upward guidance, while valuation is mixed due to a negative P/E ratio but a good dividend yield.
To see Spark’s full report on FISI stock, click here.
More about Financial Institutions
Financial Institutions, Inc. (NASDAQ: FISI) is a financial holding company with approximately $6.3 billion in assets as of September 30, 2025, offering banking and wealth management products and services. Its Five Star Bank subsidiary provides consumer and commercial banking and lending services to individuals, municipalities, and businesses through banking locations spanning Western and Central New York and a commercial loan production office serving the Mid-Atlantic region. Courier Capital, LLC offers customized investment management, financial planning, and consulting services to individuals and families, businesses, institutions, non-profits, and retirement plans.
Average Trading Volume: 128,681
Technical Sentiment Signal: Buy
Current Market Cap: $630.9M
For detailed information about FISI stock, go to TipRanks’ Stock Analysis page.