Financial Institutions Inc (FISI)
NASDAQ:FISI
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FISI Stock Chart & Stats
$35.13
-$0.16(-0.61%)
At close: 4:00 PM EST
$35.13
-$0.16(-0.61%)
Day’s Range― - ―
52-Week Range$24.41 - $35.67
Previous CloseN/A
Volume28.95K
Average Volume (3M)141.67K
Market Cap
$667.71M
Enterprise Value$792.59M
Total Cash (Recent Filing)$108.75M
Total Debt (Recent Filing)$334.23M
Price to Earnings (P/E)7.4
Beta1.02
Next Earnings
Jul 23, 2026EPS Estimate
0.93Next Dividend Ex-DateN/A
Dividend Yield3.89%
Share Statistics
EPS (TTM)3.65
Shares Outstanding19,684,776
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 Ratio47.27
Enterprise Value/Market Cap1.19
Enterprise Value/Revenue2.10
Enterprise Value/Gross Profit3.41
Enterprise Value/Ebitda8.17
Forecast
1Y Price Target
$37.50Price Target Upside6.75% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)3.99
Revenue Forecast (FY)$258.32M
Bulls Say, Bears Say
Bulls Say
Net Interest Margin ExpansionSustained NIM at ~367 bps with upgraded guidance to the upper 360s suggests a structurally stronger net interest income base. With ~40% of loans repricing within a month and lower cost of funds, incremental margin expansion should drive durable core revenue and support earnings over the next several quarters.
Capital Actions & Shareholder ReturnsActive liability management and disciplined capital returns—debt refinancing, sizable buybacks and a dividend raise—indicate excess capital flexibility and credible capital planning. These actions reduce funding costs and signal management confidence in recurring earnings and balance sheet resilience.
Commercial Loan Pipeline & Growth TargetA materially larger commercial pipeline and a 5% loan growth target point to sustainable organic revenue expansion driven by higher‑yield commercial lending in core New York markets. If converted, this pipeline supports repeatable NII growth and better loan mix over the medium term.
Bears Say
Volatile Cash GenerationSignificant year‑to‑year swings in operating and free cash flow weaken the predictability of internal funding and stress capital planning. Recurrent volatility reduces confidence in sustainable dividend coverage and buyback pacing, and can force defensive balance sheet moves in adverse cycles.
Elevated Loan LossesA spike to 44 bps in quarterly net charge‑offs, even if partly idiosyncratic, highlights credit sensitivity in commercial portfolios. Higher loss rates or recurrence would pressure earnings, require larger ACL buffers, and could slow dividend/share repurchase capacity if the trend persists.
Deposit Pressure & Funding MixY/Y deposit decline from the BaaS wind‑down and competitive pressure on deposit pricing reduce low‑cost funding and increase cost of funds risk. Sustained deposit attrition or higher priced replacements would compress NIM and force tighter loan origination economics or reliance on wholesale funding.
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 $24.41 and its highest was $35.66 in the past 12 months.
What is Financial Institutions Inc’s market cap?
Financial Institutions Inc’s market cap is $667.71M.
When is Financial Institutions Inc’s upcoming earnings report date?
Financial Institutions Inc’s upcoming earnings report date is Jul 23, 2026 which is in 78 days.
How were Financial Institutions Inc’s earnings last quarter?
Financial Institutions Inc released its earnings results on Apr 23, 2026. The company reported $1.04 earnings per share for the quarter, beating the consensus estimate of $0.92 by $0.12.
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 0.93.
How many shares outstanding does Financial Institutions Inc have?
Financial Institutions Inc has 19,684,776 shares outstanding.
What happened to Financial Institutions Inc’s price movement after its last earnings report?
Financial Institutions Inc reported an EPS of $1.04 in its last earnings report, beating expectations of $0.92. Following the earnings report the stock price went down -1.288%.
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
Neutral
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Analyst Consensus
Moderate Buy
Average Price Target:
$37.50 (6.75% Upside)
$37.50 (6.75% Upside)
Blogger Sentiment
Bullish
FISI Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 5.9K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $19.9K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Positive
20 days / 200 days
Momentum
23.69%
12-Months-Change
Fundamentals
Return on Equity
12.72%
Trailing 12-Months
Asset Growth
-0.72%
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
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presented a predominantly positive operational and capital story: strong first-quarter profitability, modest NIM outperformance with upgraded guidance, disciplined capital returns (debt refinancing, buybacks, dividend increase), a sizable loan pipeline and continued expense discipline. Headwinds include near-term deposit competitiveness and a modest year-over-year deposit decline driven by the BaaS wind-down, a temporary increase in quarterly net charge-offs due to a previously known commercial relationship, reduced swap-related noninterest income, branch write-downs, and runoff in the indirect auto portfolio. Management communicated confidence in loan pipeline conversion, margin stability, and guidance for efficiency and tax rate, which together suggest that the positive items meaningfully outweigh the transitory and manageable negatives.View all FISI earnings summariesFISI Stock 12 Month Forecast
Average Price Target
$37.50
▲(6.75% 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
2.44% Insiders
15.35% Mutual Funds
3.40% Other Institutional Investors
62.84% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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