Financial Institutions Inc (FISI)
NASDAQ:FISI
FISI Stock Chart & Stats
$33.85
-$0.16(-0.61%)
At close: 4:00 PM EST
$33.85
-$0.16(-0.61%)
Day’s Range― - ―
52-Week Range$21.81 - $35.47
Previous CloseN/A
Volume28.95K
Average Volume (3M)141.67K
Market Cap
$664.62M
Enterprise Value$901.45M
Total Cash (Recent Filing)$1.07B
Total Debt (Recent Filing)$334.23M
Price to Earnings (P/E)8.4
Beta1.01
Next Earnings
Apr 23, 2026EPS Estimate
0.92Next Dividend Ex-DateN/A
Dividend Yield3.89%
Share Statistics
EPS (TTM)0.96
Shares Outstanding19,634,210
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 Ratio46.06
Enterprise Value/Market Cap1.36
Enterprise Value/Revenue2.39
Enterprise Value/Gross Profit3.88
Enterprise Value/Ebitda9.29
Forecast
1Y Price Target
$37.00Price Target Upside9.31% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)3.92
Revenue Forecast (FY)$258.49M
Bulls Say, Bears Say
Bulls Say
Profitability Rebound And Margin ExpansionThe company’s 2025 rebound delivered durable profitability and materially wider margins, showing its core lending and pricing ability. Higher NIM and positive net income provide recurring earnings power, support capital accumulation, and give management flexibility to fund growth and returns over the coming 2–6 months.
Improved Capital And Balance-sheet ResilienceStrengthening capital metrics and an orderly subordinated debt placement reduce refinancing risk and enhance regulatory buffers. Improved leverage and selective buybacks signal capital discipline, supporting credit capacity and cushioning the franchise against cyclical stress over a multi-month horizon.
Diversified Fee Income And Stable Deposit RelationshipsGrowth in AUM and advisory fees diversifies revenue away from pure interest income, reducing earnings sensitivity to rate swings. Long-tenured customer relationships and modest YoY deposit growth support stable funding and lower volatility in the franchise’s core funding base over the medium term.
Bears Say
Volatile Cash GenerationMeaningful year-to-year swings in operating and free cash flow imply weaker predictability of internal funding for investments, dividends or buybacks. This variability increases reliance on external financing or slower capital returns during downturns and complicates medium-term cash planning.
Margin Sensitivity To Funding Timing And Deposit MixNIM and net interest income remain exposed to the timing of rate moves and funding actions. Seasonal deposit outflows and the BaaS wind-down materially alter funding mix, creating short-to-medium term margin pressure and uncertainty around achieving sustained NIM expansion targets.
Reliance On Transitory Income And Lumpy Loan GrowthA portion of 2025’s noninterest income was elevated by redeployments and swap gains that management expects to normalize, reducing recurring revenue. Intentional runoff of certain loan portfolios and back‑weighted loan growth make near-term revenue and credit trends lumpy and harder to rely on for sustained earnings momentum.
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 $21.81 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 $664.62M.
When is Financial Institutions Inc’s upcoming earnings report date?
Financial Institutions Inc’s upcoming earnings report date is Apr 23, 2026 which is in 8 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 19,634,210 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 0.031%.
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 (9.31% Upside)
$37.00 (9.31% Upside)
Blogger Sentiment
Bullish
FISI Sentiment 100%
Sector Average 66%
Sector Average 66%
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
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
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
▲(9.31% 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
2.37% Insiders
15.84% Mutual Funds
27.61% Other Institutional Investors
39.24% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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