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Financial Institutions Inc (FISI)
NASDAQ:FISI
FISI Stock Chart & Stats
$31.89
-$0.16(-0.61%)
At close: 4:00 PM EST
$31.89
-$0.16(-0.61%)
Day’s Range― - ―
52-Week Range$20.97 - $35.47
Previous CloseN/A
Volume28.95K
Average Volume (3M)141.67K
Market Cap
$641.96M
Enterprise Value$835.87M
Total Cash (Recent Filing)$1.07B
Total Debt (Recent Filing)$302.65M
Price to Earnings (P/E)8.7
Beta1.01
Next Earnings
Apr 29, 2026EPS Estimate
0.92Next Dividend Ex-DateN/A
Dividend Yield3.89%
Share Statistics
EPS (TTM)0.96
Shares Outstanding20,130,547
10 Day Avg. Volume155,015
30 Day Avg. Volume141,667
Financial Highlights & Ratios
PEG Ratio-0.04
Price to Book (P/B)1.00
Price to Sales (P/S)1.66
P/FCF Ratio0.00
Enterprise Value/Market Cap1.30
Enterprise Value/Revenue2.22
Enterprise Value/Gross Profit3.60
Enterprise Value/Ebitda8.61
Forecast
1Y Price Target
$37.00Price Target Upside16.02% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)3.84
Revenue Forecast (FY)$258.49M
Bulls Say, Bears Say
Bulls Say
Loan And Deposit GrowthThe growth in loans and deposits indicates strong demand for FISI's banking services, suggesting a robust market position and potential for future revenue expansion.
Improved Net Interest MarginAn improved net interest margin enhances profitability by increasing the spread between interest earned and interest paid, supporting long-term financial health.
Capital ManagementThis strategic capital management move strengthens FISI's balance sheet, improving its capital ratios and financial stability, which is crucial for long-term growth.
Bears Say
Declining Revenue GrowthA persistent decline in revenue growth indicates potential operational challenges and market pressures, which could hinder future profitability and expansion.
Negative MarginsSustained negative margins reflect operational inefficiencies and profitability challenges, posing risks to financial health and long-term viability.
Elevated Noninterest ExpenseHigh noninterest expenses can erode profitability and limit the company's ability to invest in growth initiatives, impacting long-term financial performance.
Financial Institutions News
FISI FAQ
What was Financial Institutions Inc’s price range in the past 12 months?
Financial Institutions Inc lowest stock price was $20.97 and its highest was $35.47 in the past 12 months.
What is Financial Institutions Inc’s market cap?
Financial Institutions Inc’s market cap is $641.96M.
When is Financial Institutions Inc’s upcoming earnings report date?
Financial Institutions Inc’s upcoming earnings report date is Apr 29, 2026 which is in 56 days.
How were Financial Institutions Inc’s earnings last quarter?
Financial Institutions Inc released its earnings results on Jan 29, 2026. The company reported $0.96 earnings per share for the quarter, beating the consensus estimate of $0.945 by $0.015.
Is Financial Institutions Inc overvalued?
According to Wall Street analysts Financial Institutions Inc’s price is currently Undervalued.
Does Financial Institutions Inc pay dividends?
Financial Institutions Inc pays a Quarterly dividend of $0.31 which represents an annual dividend yield of 3.89%. See more information on Financial Institutions Inc dividends here
What is Financial Institutions Inc’s EPS estimate?
Financial Institutions Inc’s EPS estimate is 0.92.
How many shares outstanding does Financial Institutions Inc have?
Financial Institutions Inc has 20,130,547 shares outstanding.
What happened to Financial Institutions Inc’s price movement after its last earnings report?
Financial Institutions Inc reported an EPS of $0.96 in its last earnings report, beating expectations of $0.945. Following the earnings report the stock price went up 0.03%.
Which hedge fund is a major shareholder of Financial Institutions Inc?
Currently, no hedge funds are holding shares in FISI
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Financial Institutions Stock Smart Score
Outperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$37.00 (16.02% Upside)
$37.00 (16.02% Upside)
Blogger Sentiment
Bullish
FISI Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 5.9K Shares
Last Quarter.
Last Quarter.
Technicals
SMA
Positive
20 days / 200 days
Momentum
23.69%
12-Months-Change
Fundamentals
Return on Equity
-4.98%
Trailing 12-Months
Asset Growth
2.14%
Trailing 12-Months
Company Description
Financial Institutions Inc
Financial Institutions, Inc. operates as a holding company for the Five Star Bank, a chartered bank that provides banking and financial services to individuals, municipalities, and businesses in New York. The company offers checking and savings account programs, including money market accounts, certificates of deposit, sweep investments, and individual retirement and other qualified plan accounts. Its loan products include term loans and lines of credit; short and medium-term commercial loans for working capital, business expansion, and purchase of equipment; commercial business loans to the agricultural industry; commercial mortgage loans; one-to-four family residential mortgage loans, home improvement loans, closed-end home equity loans, and home equity lines of credit; and consumer loans, such as automobile, secured installment, and personal loans. The company also provides personal insurance products, including automobile, homeowners, boat, recreational vehicle, landlord, and umbrella coverage; commercial insurance comprising property, liability, automobile, inland marine, workers compensation, bonds, crop, and umbrella insurance products; and financial services comprising life and disability insurance, medicare supplements, long-term care, annuities, mutual funds, and retirement programs. In addition, it offers customized investment advisory, wealth management, investment consulting, and retirement plan services, as well as operates a real estate investment trust that holds residential mortgages and commercial real estate loans. The company operates a network of 48 banking offices in Allegany, Cattaraugus, Cayuga, Chautauqua, Chemung, Erie, Genesee, Livingston, Monroe, Ontario, Orleans, Seneca, Schuyler, Steuben, Wayne, Wyoming, and Yates counties, New York. Financial Institutions, Inc. was founded in 1817 and is headquartered in Warsaw, New York.
FISI Company Deck
FISI Earnings Call
Q4 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presented a majority of positive operating and financial developments — solid profitability, year-over-year margin expansion, loan and AUM growth, disciplined capital actions, and constructive 2026 guidance (higher ROA target, NIM expansion and efficiency goals). Offsetting items include short-term margin sensitivity to rate/timing effects, intentional runoff in the indirect auto portfolio, deposit seasonality and BaaS wind-down, and expected higher personnel/medical costs in 2026. On balance, the company’s fundamentals, improved capital position, and upward guidance outweigh the headwinds.View all FISI earnings summariesFISI Stock 12 Month Forecast
Average Price Target
$37.00
▲(16.02% Upside)
Technical Analysis
Bar Harbor Bankshares
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Farmers National Banc Oh
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Unity Bancorp
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Capital Bancorp
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Third Coast Bancshares
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Ownership Overview
2.25% Insiders
15.58% Mutual Funds
14.77% Other Institutional Investors
53.12% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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